01Ready for review
▣
Secure SMS → mobile web
In-store purchase — new customer
A customer without the app receives a secure SMS and completes checkout in mobile web.
Concept prototype · UAE
BNPLBNPL+UAE FIRST
From workflow logic to customer experience.
Eight connected prototypes showing how customers register, verify, access and use responsible instalment finance across app, store and web.
Explore the prototypes ↓Prototype coverageRelease 1
8priority
journeys
journeys
92customer screens
2journey groups
3channels covered
AppMobile webDesktop web
PROTOTYPE JOURNEY MAP
Explore by journey group.
Start with purchase checkout or mobile-app onboarding. Every journey includes a clean demonstration and annotated stakeholder review mode.
Group 014 prototypes
Checkout Journeys
How new and returning customers complete AFF BNPL purchases across stores and online checkout.
02Ready for review
↻
App push → INFOBIP SMS fallback
In-store purchase — existing customer with/without app
An existing customer enters through push or timed SMS fallback, then uses the current limit or completes reassessment.
03Ready for review
⌘
Merchant web → responsive BNPL checkout
Online purchase — new-to-BNPL customer
A first-time customer completes responsive web checkout, KYC and AECB assessment without a mandatory app handoff.
04Ready for review
⇄
Merchant web → responsive BNPL checkout
Online purchase — repeat customer
An existing BNPL customer completes the purchase in the original browser using a current limit or AECB reassessment when required.
Group 024 prototypes
Mobile App Onboarding
How customers register, return securely, complete proactive KYC and choose an eligible credit amount.
05Ready for review
+
Consumer mobile app
New customer — mobile app registration
A new customer creates a lightweight AFF BNPL account using a verified mobile number, display name and email.
06Ready for review
↳
Consumer mobile app
Returning customer — mobile app login
A returning customer gets fast access on a recognised device, with mobile verification for recovery, new-device or higher-risk situations.
07Ready for review
◇
Consumer mobile app
Registered customer — mobile app proactive KYC
A registered customer verifies identity from the app home page before the first BNPL transaction.
08Policy review
◎
Consumer mobile app
Registered customer — mobile app limit assignment
A KYC-verified customer optionally checks eligibility, reviews the AECB-based offer and controls the amount activated.
EXPERIENCE PRINCIPLES
What remains consistent.
Transparent by design
Amounts, dates, consent and customer obligations appear before every commitment.
Stay in the right channel
Customers complete the journey in app or web without unnecessary device switching.
Recover, don’t dead-end
Lower limits, SMS fallback and clear merchant handoffs preserve viable purchases.
DECISION BOARD
Items deliberately left open.
These are visible in Review mode so they can be validated without silently hard-coding policy into the experience.
01Identity and verification retry limitsRisk & Compliance
02Reusable facility versus indicative credit structureLegal & Credit Policy
0320-second push fallback, split tender and reversal handlingMerchant & Technology