Banking BA Checklist: Questions to Ask Stakeholders (Câu hỏi BA ngân hàng)

Use this when eliciting, linting requirements or writing acceptance criteria. Pick the sections relevant to the feature.

Any financial transaction

• Which accounts/products are eligible as source? Which statuses block it?
• Limits: per transaction, per day, per channel, per segment? Minimum amount? Who configures them?
• Authentication: which method at which amount? Step-up rules for new device/new beneficiary?
• Fee: how calculated, who pays, shown before confirm? VAT?
• Cut-off and holidays: what happens after cut-off?
• Timeout: what does the customer see? How is pending resolved? Reconciliation SLA?
• Duplicate prevention (double tap, retry, network resend)?
• Reversal / refund: automatic or manual? Notification?
• Notifications: channel (push/SMS/email), content, masking?
• Transaction history: what fields, how long searchable, downloadable statement?
• AML / fraud screening: which rules, what happens when flagged?
• Audit log fields?
• Accounting: which GL entries? (confirm with Finance/Operations)

Onboarding / eKYC

• Eligible customers (age, nationality, ID type)?
• Liveness/face match retry limits; manual review flow and SLA?
• Existing customer detection (same ID → existing CIF)?
• Limits for eKYC accounts vs in-branch verified accounts?
• Consent texts and data retention for images?
• Where does onboarding resume if the app is closed mid-way?

Cards

• Virtual vs physical; delivery; activation channel?
• Lock (temporary) vs block (permanent); who can unlock?
• Online/overseas/contactless toggles default ON or OFF?
• Dispute window and required evidence?

Lending

• Products, tenors, rate type (fixed/floating), reset rules?
• Required documents per customer type?
• Approval authority matrix?
• CIC consent & inquiry timing?
• Disbursement method; partial disbursement?
• Early repayment fee; grace period; overdue penalty?

Non-functional (banking-specific)

• Availability target & maintenance windows; behaviour during EOD?
• Peak load (salary day, Tết, month-end)?
• Session timeout, device binding, rooted/jailbroken device policy?
• Data residency & personal data protection requirements?
• Data retention period for transactions & logs?
• Regulatory reports affected?

Stakeholders to involve (often forgotten)

Product · Operations/back office · Compliance & AML · Risk · Finance/Accounting · IT Security · Customer service/Call center · Legal · Core banking team · Card center.

Use this with Claude: install the plugin with /plugin marketplace add lechithinh/ba-claude-skills, or read the skill source on GitHub.