Customer Mobile Capability Matrix

This page maps the customer mobile app by area so nothing is implied or hidden. Use it as the fastest index of what the app can do today.

Signed-Out And Entry Surfaces

Area	Entry Point	Current Capabilities	Notes
`Secure access`	app launch on a remembered phone	unlock with Service PIN, unlock with biometrics, switch account, reset remembered PIN state	default entry when a remembered customer exists on-device
`Remembered account re-auth`	session restore failed or full login required	sign in again with remembered identifier and password, switch account	keeps remembered-account context
`Welcome back`	fresh install or switched account	sign in with mobile number or identifier, open registration	first full credential screen
`Registration chooser`	`Register` from sign-in	choose customer or organization registration	shared chooser in the customer build
`Customer registration`	chooser -> customer	capture identity details, upload KYC docs, submit onboarding	includes document draft management
`Organization registration wizard`	chooser -> organization	capture organization details, admin contact, documents, review, submit	4-step wizard
`Registration submitted`	successful registration	view submission confirmation and reference, return to login	final signed-out state
`Language chooser`	signed-out top-right action	switch between English and siSwati	available before login

Area	Current Capabilities	Notes
Bottom navigation	move between `Home`, `Pay`, `Wallets`, `Activity`, and `Profile`	customer build does not pin `Services` in bottom nav
Notification sheet	open alerts, filter by category, mark one item read, mark all read, clear all	categories: all, transactions, security, service, system
Guided tours	show step-by-step hints for Home, Pay, Wallets, Activity, and Profile	can be reopened via guide entry points
Privacy mode	hide balances, analytics, and recent transaction insight cards	affects Home and Activity most visibly
More links dialog	jump to a major tab from Home	shortcut overlay, not a new route tree
QR shortcuts	open QR Pay from Home, Scan QR from Pay, approve customer-portal QR from Profile security	three different QR entry types

Surface	Current Capabilities
Header	greeting, profile avatar, QR Pay, refresh, guide, notifications
Balance hero	show current wallet, ledger, account number, hide or reveal balances
Quick actions	Send, Pay Bills, Airtime, QR Pay, Services, More
Insights area	show KPI strip, obligations, favorites, offers, and insight cards when balances are visible
Hidden state	explain why insights and activity are hidden when privacy mode is on

Flow	Current Capabilities
Send Money	send to one recipient, resolve recipients, use recent recipients, use contacts, set amount and reference
Send To Many	add at least two recipients, set per-recipient amount, set reference, enter transaction PIN, submit bulk send
Airtime / Data / No Frills	buy for self or another person, choose provider, choose bundle or amount, submit
Pay Bill	search billers, choose biller, enter account number, amount, and reference
Pay Merchant	choose recent merchant or enter merchant identifier, amount, and reference
Agent Withdraw	choose nearby or recent agents, search directory, enter amount and notes, review quote
Mobile To Bank	search bank directory, select bank, enter bank account number, amount, and reference
Scan QR	resolve QR payload, pay payee, or create payment request with note and expiry
Confirmation dialogs	review totals, fees, and transaction PIN before committing high-risk payment flows

Surface	Current Capabilities
Wallet overview	switch wallets, inspect balance and account number, view recent wallet context
Quick actions	top up, send, transfer, withdraw, pay bills, airtime, QR Pay, create wallet
Wallet create sheet	define wallet name, account type, currency, and description
Wallet top-up sheet	top up wallet with amount, reference, and description
Wallet rename sheet	rename or nickname a wallet
Wallet transfer sheet	transfer between wallets with amount, reference, and description
Wallet-linked service links	jump to savings goals, contributions, and other wallet-related modules

Surface	Current Capabilities
Activity overview	inspect income, expense, and net-flow metrics
Search and filters	search transaction history, filter by date range and transaction type
History list	open transaction detail from filtered history
Receipt sheet	inspect overview, participants, breakdown, timeline, copy reference, view or share receipt
Reversal request	submit a reversal reason and narrative for eligible transactions
Hidden state	show privacy-mode message when balances remain hidden

Module	Current Capabilities
Statements	choose wallet, quote statement fee, set date range, request statement, open recent downloads
Savings Goals	create goals, pause or resume auto-save, add funds, inspect activity history
Group Wallets	review invitations, accept or decline, create shared wallets, open details, contribute, invite members, resend or cancel invites
Contributions	inspect active campaigns, contribute with Service PIN, view personal contribution history
Rewards	inspect points account, browse catalog, redeem rewards, review redemption history
Budget Management	create budgets, set category and period, edit budgets, toggle active state, delete budgets
Partner mini-apps	launch external mini-app experiences from the same services surface

Section	Current Capabilities
Personal Information	update name, contacts, birth date, national ID, address, and profile photo
Login & Security	manage Service PIN, biometrics, TOTP state, transaction PIN, customer-portal mobile-web-login mode, QR approval, pass-through account settings
KYC Documents	inspect status, upload documents, set document metadata, submit for review, open submitted docs
Notification preferences	enable or disable email, SMS, in-app notifications, and require 2FA
Language and region	set language, display currency, and date format
Appearance	toggle show balances on dashboard and theme follow-device setting
Workspace selector	choose available workspaces when multiple workspaces are exposed to the signed-in identity
Connected devices	load devices, inspect last active metadata, revoke sessions
Help center	open help, call support, email support
Terms and privacy	open legal FAQ, email privacy or legal contacts
Sign out	exit the app session and leave remembered-device behavior in the expected state

These controls deserve special attention because they cross the native app and the customer portal: