When a user selects the profile icon and then the 'Settings' option below, they will land in SME settings which are divided into 3 different subsections: User Settings, Security, and Company Settings (only available for Directors).

As the following is explained, each subsection contains the main information or updates needed for each category.

User Settings

User Settings are the first option in Settings, this is where users can view and edit their details, configure notifications, select a default language, and delete their user profile.

• As a user, I want to update my details and upload a profile picture
  • Users will have the option to update their details and add a profile picture in this section y selecting the 'Edit' button located at the top right, the icon has a pencil button beside it
  • Upload profile picture: it will be visible in the Director's card list by the cardholder

• Personal details

Once the user selects the 'Edit' button, a full modal page will open with the form to update the corresponding fields that can be edited. Fields that can't be edited will be shown as disabled, so they cannot be modified unless they are done in the Admin portal by an Admin user.

• First name (can be edited)
• Surname (can be edited)
• Email (can be edited):
  • The email associated with the account must meet the following format: [email protected]
  • In case of introducing an invalid email, an error message will be shown, as follows: Invalid email
• Mobile number:
  • Disable edition: cannot be edited after a user is onboarded and enabled in the Team section
• Date of birth:
  • Disable edition: cannot be edited after a user is onboarded and enabled in the Team section
• Address (can be edited):
  • For Modulr customers, it is mandatory if the user introduced an IBAN or UK account
    • f the user does not fulfil these fields, an error message will be shown as follows: It is necessary to add a valid address to add an IBAN and BIC SWIFT
• Legal information
  • Document type:
    • Disable edition: cannot be edited after a user is onboarded and enabled in the Team section
  • Document number:
    • Disable edition: cannot be edited after a user is onboarded and enabled in the Team section
  • Document issuing country:
    • Disable edition: not editable after a user is onboarded and enabled in the Team section
  • Document issuing date:
    • Disable edition: not editable after a user is onboarded and enabled in the Team section
• Expense account details
  • IBAN (can be edited):
    • Validation: your IBAN is not valid
  • BIC SWIFT (can be edited):
    • Validation: your BIC is not valid
• User details
  • Role:
    • Disable edition: cannot be edited after a user is onboarded and enabled in the Team section
  • Director since (date) (can be edited):
    • Select a date from the calendar
• As a user, I want to manage my notifications settings
  • Users will be able to enable/disable the following notification options:
    • Push notifications: to be received on their mobile devices and registered in the app
    • Email notifications: to be received in their email account specified in Personal Settings
• As a user, I want to set the default language in the app
  • Users will be able to select the default language they want to see in the application.
  • By clicking on the language selector, which shows the current language, the user will be shown a list of available languages. By selecting the one you prefer, the app will automatically be set to that language.
• As a user, I want to delete my profile
  • Users will have the option to delete their account profile and they will be informed about the main implications of this action
    • A warning message will be shown, as follows: User profile deletion does not cancel any pending payments, outstanding debts, cards or active bank accounts
  • Delete profile and cancel option will be available
    • If a user selects Delete profile, a confirmation modal will be shown:
      • Once the user confirms the action, the account will be disabled to access.
    • If the does selects Cancel, they will be back to the Settings panel

Security

• As a user, I want to update my password
  • Fields included in this subsection are:
    • Old password:
      • On error, the user will see a generic error such as: Try it again, please
      • On success, the user won't see a specific message
      • If no password is entered yet, a message will appear: Field is required
    • New password:
      • Validation: At least 9 characters including one uppercase, one lowercase, and one number
      • If no password is entered yet: Field is required
    • Repeat the new password:
      • Validation within new password: Passwords won't match
      • If no password is entered yet: Field is required
  • If the password has been changed successfully, the user will see the following message: Data has been saved successfully
  • If the password has not been changed successfully, the user will be shown an ERROR message and stay on the User Settings page

• As a user, I want to update my security code (in case the user remembers the original security code):
  • Fields included in this subsection are:
    • Old code:
      • Error:
        • The user will be shown an error warning stating that they have 2 more tries.
        • The user will also see a back option that by selecting it, will go to the User Settings option list.
        • The user will then have only 2 options available to change the code. When the user adds the correct code, the tries will be 3 again.
        • If the user receives an ERROR after 3 tries, the user must be logged out of the app.
      • Success:
        • The user will need to add a new 4-number code. After adding the code the user will be shown the same screen again, so they can repeat the code.
    • New code:
      • Validations:
        • If Latin characters are included, the following message will show: Code must contain only numbers
        • If more than 4-digits are included, the following message will show: Code must have 4 numbers
    • Repeat new code:
      • Validation within new code: Codes don't match
• If the code has been changed successfully, the user will be shown confirmation about the successful operation.
• If the code has not been changed successfully, the user will be shown the same screen to try again or to go back. Confirming the code doesn't have a limit of tries. If selecting to go back, the process could be started again with the old code.

• **As a user, I want to see my security questions (Modulr customers only)

• Fields included in this subsection are:
  • SCA Questions and responses made during Modulr's user creation
  • Answers cannot be edited, so users will see the following warning message: The answers to these questions have already been set and cannot be edited
  • Security code will be required to view the answers

Credit cards (if applicable)

Customers that have available credit cards for their users will have the option to manage their credit cards from the User Settings section.

• As a user, I want to update my bank account for monthly instalments
  • If a user does not have a card yet -> CTA to link an account
  • If the user has linked an account it will be shown as PENDING, ACTIVE, or FAILED by tags/labels
    • If FAILED, a warning will be shown: Our team couldn't confirm your account. Please add a new one
  • Linked accounts can be deleted
  • A user could have several accounts linked
  • If an error happens when linking an external account, an error message will be shown: It's not possible at this time to link an external account. If the problem persists, please contact support

• As a user, I want to see my upcoming payments
  • if there are no upcoming payments, the user will see an empty state, as follows: There are no upcoming payments available
  • If upcoming payments are available:
    • The user will see the details of the payments, as follows:
      • Payment date
      • Autopay option
      • Pay with: the account to be charged
    • The cancel option will be included in each payment:
      • If a user wants to cancel the payment, they will see 2 different warning messages
      • Once the payment is cancelled, a successful page will be shown

• As a user, I want to configure Autopay
  • If no Autopay is configured yet, the user will see an empty state with CTA: Set up Autopay
    • If the user does not select it, the details of the payment shown will be:
      • Payment date
      • Autopay option:
        • The autopay option will be displayed on the full modal
        • Once it's updated, confirm or cancel options will be available
        • A successful page will be shown when it's configured
      • Pay with: the account to be charged
    • The edit option will be available:
      • Once it's updated, the confirm or cancel options will be available
      • A successful page will be shown when it's modified
    • The cancel option will be available:
      • Cancel confirmation or leave page options will be available
      • A successful page will be shown when it's cancelled

Company settings (only for Directors)

• As a user, I want to update my company details

As a Director, the main actions that can be done are:

• Upload company profile picture
• Company details overview. The fields included are the following: Fields that cannot be edited are marked and cannot be edited unless you contact Toqio support
  • Trading name
  • Company number
  • Business code
  • Pay date (can be edited)
  • Company name
  • Company address
  • City
  • Postal code
  • Company Country

• As a user, I want to update the default currency in the platform
  • Users will be able to choose the default currency to see the total balance that is shown in the different sections of the platform, such as accounts, expenses, payments, etc.

• **As a user, I want to see the other banks I am connected with (PSD2 regulation; TellMoney Integration)

TellMoney integration is the functionality that allows users to connect with other bank accounts and see their details on our platform. After that connection is made, in this section, Director users will be able to see those bank account details connected.

• Users will be able to see all bank accounts connected from other banks
• A bank list will be shown:
  • If the user wants to see a specific bank detail, they will land on a different page where the bank account will be shown
  • The user will be able to delete the connection from the details
  • Confirmation of deletion will be shown