# 💼 Business Requirements Document (BRD)
<!-- Document Title: [FEATURE/PROJECT NAME] BRD -->

| Metadata | Details |
| :--- | :--- |
| **Project Name** | [PROJECT_NAME] |
| **Status** | [STATUS] |
| **Owner** | [OWNER_NAME] |
| **Target Quarter** | [TARGET_QUARTER] |
| **Last Updated** | [LAST_UPDATED_DATE] |

<!-- Example:
| **Project Name** | Digital Wallet Payment Integration |
| **Status** | `Draft` / `Review` / `Approved` |
| **Owner** | Sarah Chen |
| **Target Quarter** | Q1 2026 |
| **Last Updated** | 2026-01-02 |
-->

---

## 1. Executive Summary
*A 2-minute read for executives. What are we doing and why?*

### 1.1 Problem Statement
*What is the specific business problem or opportunity?*

[PROBLEM_DESCRIPTION]

<!-- Example: "Our current checkout process has a 40% drop-off rate because users cannot pay with digital wallets like Apple Pay and Google Pay, which are preferred by 35% of our target demographic." -->

### 1.2 Proposed Solution
*High-level description of the solution.*

[SOLUTION_DESCRIPTION]

<!-- Example: "Integrate Apple Pay and Google Pay into the checkout flow to reduce friction and provide users with their preferred payment methods." -->

### 1.3 Business Value (ROI)
*Why should we invest in this now?*

-   **Revenue Impact**: [REVENUE_IMPACT]
-   **Cost Savings**: [COST_SAVINGS]
-   **Strategic Alignment**: [STRATEGIC_ALIGNMENT]
-   **Risk Mitigation**: [RISK_MITIGATION]

<!-- Example:
-   **Revenue Impact**: Estimated $150k increase in MRR (based on 5% conversion uplift)
-   **Cost Savings**: Estimated $20k reduction in support tickets related to payment issues
-   **Strategic Alignment**: Supports our Q3 goal of "Modernizing the Payment Stack" and improving mobile conversion
-   **Risk Mitigation**: Reduces dependency on single payment processor
-->

---

## 2. Strategic Alignment

### 2.1 Target Audience
*Who is this for? Reference `context/personas.md`.*

-   **Primary**: [PRIMARY_PERSONA]
-   **Secondary**: [SECONDARY_PERSONA]
-   **Anti-Persona**: [ANTI_PERSONA] (Who this is NOT for)

<!-- Example:
-   **Primary**: The Busy Manager (Sarah) - needs quick, seamless checkout
-   **Secondary**: The Power User (David) - wants transaction history and analytics
-   **Anti-Persona**: Hobbyist users who rarely make purchases
-->

### 2.2 Success Metrics (KPIs)
*How will we know if we succeeded?*

| Metric | Current Baseline | Target Goal | Timeframe | Measurement Method |
| :--- | :--- | :--- | :--- | :--- |
| [METRIC_1] | [BASELINE_1] | [TARGET_1] | [TIMEFRAME_1] | [METHOD_1] |
| [METRIC_2] | [BASELINE_2] | [TARGET_2] | [TIMEFRAME_2] | [METHOD_2] |
| [METRIC_3] | [BASELINE_3] | [TARGET_3] | [TIMEFRAME_3] | [METHOD_3] |

<!-- Example:
| Metric | Current Baseline | Target Goal | Timeframe | Measurement Method |
| :--- | :--- | :--- | :--- | :--- |
| Checkout Conversion Rate | 2.5% | 3.0% | 3 months post-launch | Google Analytics funnel |
| Digital Wallet Usage | 0% | 20% | 6 months post-launch | Payment processor dashboard |
| Avg Order Value | $50 | $55 | 6 months post-launch | SQL query on transactions table |
-->

---

## 3. Scope

### 3.1 In Scope
*What will be delivered?*

-   [ ] [IN_SCOPE_ITEM_1]
-   [ ] [IN_SCOPE_ITEM_2]
-   [ ] [IN_SCOPE_ITEM_3]
-   [ ] [IN_SCOPE_ITEM_4]

<!-- Example:
-   [ ] Integration with Stripe for Apple Pay and Google Pay
-   [ ] UI updates to the Checkout page (button placement and styling)
-   [ ] Transaction history updates to show payment method type
-   [ ] Error handling and retry logic for failed digital wallet payments
-->

### 3.2 Out of Scope
*What are we explicitly NOT doing?*

-   [ ] [OUT_OF_SCOPE_ITEM_1]
-   [ ] [OUT_OF_SCOPE_ITEM_2]
-   [ ] [OUT_OF_SCOPE_ITEM_3]

<!-- Example:
-   [ ] Cryptocurrency payments (requires different compliance framework)
-   [ ] "Buy Now, Pay Later" integrations like Klarna/Afterpay (moved to Phase 2)
-   [ ] Saved payment methods / wallet for returning customers (future consideration)
-->

### 3.3 Dependencies
*What needs to be in place before we can start?*

-   [DEPENDENCY_1]
-   [DEPENDENCY_2]

<!-- Example:
-   Stripe account must be upgraded to support digital wallets
-   Mobile app must be updated to SDK version 3.0+
-->

---

## 4. High-Level Requirements

### 4.1 Functional Requirements
*What must the system do?*

-   **FR-01**: [FUNCTIONAL_REQUIREMENT_1]
-   **FR-02**: [FUNCTIONAL_REQUIREMENT_2]
-   **FR-03**: [FUNCTIONAL_REQUIREMENT_3]
-   **FR-04**: [FUNCTIONAL_REQUIREMENT_4]

<!-- Example:
-   **FR-01**: System must detect the user's device type to show appropriate payment buttons (Apple Pay for iOS/Safari, Google Pay for Android/Chrome)
-   **FR-02**: System must handle payment failures and prompt retry with clear error messages
-   **FR-03**: System must update transaction records with payment method type
-   **FR-04**: System must send confirmation emails that include payment method used
-->

### 4.2 Non-Functional Requirements
*Performance, Security, Compliance.*

-   **NFR-01**: [NON_FUNCTIONAL_REQUIREMENT_1]
-   **NFR-02**: [NON_FUNCTIONAL_REQUIREMENT_2]
-   **NFR-03**: [NON_FUNCTIONAL_REQUIREMENT_3]

<!-- Example:
-   **NFR-01**: Payment processing must complete within 3 seconds (95th percentile)
-   **NFR-02**: PCI-DSS compliance must be maintained (no card data touches our servers)
-   **NFR-03**: Digital wallet buttons must meet Apple/Google design guidelines
-   **NFR-04**: System must handle 1000 concurrent transactions without degradation
-->

---

## 5. Go-to-Market Strategy
*How will we launch and sell this?*

### 5.1 Launch Plan
-   **Phase**: [LAUNCH_PHASE]
-   **Rollout**: [ROLLOUT_STRATEGY]

<!-- Example:
-   **Phase**: Beta (Internal → 10% users → 100%)
-   **Rollout**: Feature flag enabled progressively over 2 weeks
-->

### 5.2 Marketing
[MARKETING_STRATEGY]

<!-- Example: "Email campaign to existing users highlighting faster checkout. Social media posts with demo video. Blog post explaining security benefits." -->

### 5.3 Sales Enablement
[SALES_STRATEGY]

<!-- Example: "Training deck for sales team. Update pitch deck with conversion stats. Add to competitive comparison matrix." -->

### 5.4 Support Readiness
[SUPPORT_STRATEGY]

<!-- Example: "FAQ updates. Support scripts for common issues. Internal training session. Monitor support tickets for first 2 weeks." -->

---

## 6. Risks & Mitigation

| Risk | Probability | Impact | Mitigation Strategy | Owner |
| :--- | :--- | :--- | :--- | :--- |
| [RISK_1] | [PROBABILITY_1] | [IMPACT_1] | [MITIGATION_1] | [OWNER_1] |
| [RISK_2] | [PROBABILITY_2] | [IMPACT_2] | [MITIGATION_2] | [OWNER_2] |
| [RISK_3] | [PROBABILITY_3] | [IMPACT_3] | [MITIGATION_3] | [OWNER_3] |

<!-- Example:
| Risk | Probability | Impact | Mitigation Strategy | Owner |
| :--- | :--- | :--- | :--- | :--- |
| API Downtime | Low | High | Implement circuit breaker and fallback to credit card. Monitor uptime. | Engineering |
| Low Adoption | Medium | Medium | Offer 5% discount for first digital wallet purchase. A/B test messaging. | Product |
| Fraud Increase | Low | High | Implement additional fraud detection for digital wallet transactions. | Security Team |
-->

---

## 7. Timeline & Milestones

| Milestone | Target Date | Status | Notes |
| :--- | :--- | :--- | :--- |
| [MILESTONE_1] | [DATE_1] | [STATUS_1] | [NOTES_1] |
| [MILESTONE_2] | [DATE_2] | [STATUS_2] | [NOTES_2] |
| [MILESTONE_3] | [DATE_3] | [STATUS_3] | [NOTES_3] |

<!-- Example:
| Milestone | Target Date | Status | Notes |
| :--- | :--- | :--- | :--- |
| Requirements Finalized | 2026-01-15 | ✅ Complete | |
| Design Review | 2026-01-22 | 🟡 In Progress | Waiting on mobile mockups |
| Dev Complete | 2026-02-10 | ⚪ Not Started | |
| QA Complete | 2026-02-20 | ⚪ Not Started | |
| Production Launch | 2026-02-28 | ⚪ Not Started | |
-->

---

## 8. Budget & Resources

### 8.1 Team Allocation
-   **Engineering**: [ENG_ALLOCATION]
-   **Design**: [DESIGN_ALLOCATION]
-   **QA**: [QA_ALLOCATION]

<!-- Example:
-   **Engineering**: 2 FTE for 6 weeks
-   **Design**: 0.5 FTE for 2 weeks
-   **QA**: 1 FTE for 2 weeks
-->

### 8.2 External Costs
-   [COST_ITEM_1]: [COST_1]
-   [COST_ITEM_2]: [COST_2]

<!-- Example:
-   Stripe setup fee: $0 (already have account)
-   Transaction fees: 2.9% + $0.30 per transaction (estimated $5k/month at target volume)
-->

---

## 9. Approval & Sign-off

| Role | Name | Date | Status |
| :--- | :--- | :--- | :--- |
| **Executive Sponsor** | [NAME] | [DATE] | [STATUS] |
| **Product Owner** | [NAME] | [DATE] | [STATUS] |
| **Engineering Lead** | [NAME] | [DATE] | [STATUS] |
| **Design Lead** | [NAME] | [DATE] | [STATUS] |
| **Legal/Compliance** | [NAME] | [DATE] | [STATUS] |

<!-- Example:
| Role | Name | Date | Status |
| :--- | :--- | :--- | :--- |
| **Executive Sponsor** | Jane Smith | 2026-01-05 | ✅ Approved |
| **Product Owner** | Sarah Chen | 2026-01-03 | ✅ Approved |
| **Engineering Lead** | David Kumar | 2026-01-04 | ✅ Approved |
| **Design Lead** | Emily Wong | 2026-01-03 | ✅ Approved |
| **Legal/Compliance** | Michael Brown | 2026-01-05 | 🟡 Pending Review |
-->

---

**Document Version**: [BRD_VERSION] | **Last Updated**: [LAST_UPDATED_DATE]
<!-- Example: Document Version: 2.1.0 | Last Updated: 2026-01-02 -->
