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A Request-To-Pay Mobile solution for Digital Cash Business Transactions

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Developed by C-VARS:

Callum Cassidy-Nolan, Vladimir Dyagilev, Alexander Yang, Raag Kashyap, Sophie Nam

Overview

ScotiaTracker is the MVP proof-of-concept solution to a specific business problem between large supplier corporations small business owners. It implements the Request-to-pay functionality to allow for direct deposit transactions, eliminating the physical risk as well as friction caused by using cheques and cash.

Placing emphasis on user experience and operational efficiency, ScotiaTracker is extensible to future applications of modern digital payment technology.

Business Problem

Personas Involved:

  • Small Business Owner (Customer)
  • Supplier
  • Driver

Friction Points:

  • risk for drivers carrying physical payment (cheques, cash)
  • delay in processing checques or cash
  • credibility risk
    • cheques bouncing
    • faulty products

Our Solution

An Android app that allows Request-to-pay functionality.

ScotiaTracker closely aligns with the user interface of the official Scotiabank app - modern, and intuitive to use. It simplifies the user experience with the app by distinguishing the actions required for each persona, and prioritizing the most needed features for the users. By implementing the Request-to-Pay functionality, a solution to the proposed business problem, the operational efficieny is also greatly improved.

Features

Driver

  • Notify delivery
  • Notify arrival

Supplier

  • Observes the payment process

Customer

  • Confirm Payment

All Users

  • Track delivery
  • View invoice information as well it's status (Pending, on the way, arrived, payment processed)
  • The ability to search through invoices by id, the driver, supplier, or customer name
  • Sort invoices by its status or date
  • Notification and text system to alert relevant personas of the invoice's new status

ScotiaTracker Mobile App

Tech Stack Deep-Dive
Front-End
  • Java
    • Design Patterns used:
      • Dependency Inversion: Interactions between MVP layers
      • Facade: Interactions with model were handled through a facade to simplify communcations
      • Strategy: Invoice sorting & searching strategies are plug & play (newest/oldest, by name etc... timsort & quicksort). Following Open/Closed principle.
  • Retrofit
Backend
  • REST API backend service hosted on Heroku
  • PostgreSQL as database
  • Incorporated Google Firebase functionalities for push notifications
  • Used Google Map API for location display

Check the following link to view the codebase: https://github.com/C-VARS

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A Request-To-Pay Mobile solution for Digital Cash Business Transactions

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