From 9767c0d6264e61d0eb981b73e78bf896a8ccff9f Mon Sep 17 00:00:00 2001 From: Wmj Ismail Date: Fri, 14 Aug 2026 12:52:31 +0800 Subject: [PATCH] docs: add personas and user journey map MIME-Version: 1.0 Content-Type: text/plain; charset=UTF-8 Content-Transfer-Encoding: 8bit Six personas mapped against the app's actual roles and features: Head of Family (owner), Family Member, Estate Agent/Mutawalli, the multi-family professional-mutawalli variant, plus two no-account personas reached only through data others enter — the Heir/Beneficiary (notified by the notify-heirs email relay once a trigger fires) and the Professional Reviewer (tracked via the Wassiyah review-request workflow). Each journey is stage-by-stage through real tabs, not generic template steps. --- docs/PERSONAS_AND_JOURNEYS.html | 467 ++++++++++++++++++++++++++++++++ 1 file changed, 467 insertions(+) create mode 100644 docs/PERSONAS_AND_JOURNEYS.html diff --git a/docs/PERSONAS_AND_JOURNEYS.html b/docs/PERSONAS_AND_JOURNEYS.html new file mode 100644 index 0000000..e927d98 --- /dev/null +++ b/docs/PERSONAS_AND_JOURNEYS.html @@ -0,0 +1,467 @@ + + + + + +Nur Falah — Personas & Journeys + + + + +
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Nur Falah · Prevention Suite
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Six people, one estate — mapped end to end

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Every role the app actually has, from the head of family logging their first asset to the beneficiary who never opens the app at all. Journeys are built from what's implemented today, not aspirational flows.

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+ Has a Nur Falah account + Never signs in — reached by data others enter +
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The Head of Family

+ Owner +
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Get everything they own arranged to skip the slow Faraid/probate queue, before anyone needs it to.

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Creates the family and sets jurisdiction

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Signs up, starts a family, picks Malaysia/Singapore/UK once in Settings — this quietly drives every legal note downstream.

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AuthFamily SwitcherSettings
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Logs everything they own

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Property, cash, vehicles, business interests, digital assets — each with ownership share, then attaches proof (title, grant, cover note) for later verification.

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Assets
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Sees the gap, not just the data

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Coverage Dashboard shows the exposed percentage; the recommendations list turns that into a specific next tab to open.

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CoverageFaraid
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Closes the gap with the right instrument

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Hibah for immediate lifetime gifts, Family Waqf for a dedicated corpus, Nomination Registry for EPF/Takaful/bank mandates/trusts/business continuity/digital custody.

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HibahFamily WaqfNominate
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Writes the discretionary third

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Bequests non-heirs within the one-third cap, generates a draft will document, and requests a professional's review before treating it as final.

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Wassiyah
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Rounds out the picture

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Logs Takaful/insurance policies, runs the Zakat check, builds the family tree with photos, and sets up their own death-trigger attestors — though they can never fire their own trigger.

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InsuranceZakatTreeTrigger
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Delegates

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Invites a mutawalli/agent and other adult family members, so the estate outlives any one person managing it alone.

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Family
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OutcomeA documented, mostly-covered estate with a trustee already in place — not a plan that dies with them.
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The Family Member

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Handle their own share of the estate planning without needing to run the whole family's affairs.

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Accepts an invite

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Joins a family the owner already created — no family of their own to set up.

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Pending Invites
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Sees the shared estate, adds to it

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Views family-wide Assets, Hibah, and Nominations; can add assets and confirm another member's asset as a second witness — but can't manage who's in the family.

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Assets
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Authors their own documents

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Their Wassiyah, Waqf, Insurance, and Zakat are theirs alone — visible to the mutawalli for execution, invisible to other members.

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WassiyahFamily WaqfInsuranceZakat
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Adds themselves to the tree

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Places themselves and their relatives in the family genealogy, with photos where they have them.

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Tree
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OutcomeTheir personal instruments exist under the family umbrella, isolated from everyone else's — nothing they write is visible to a sibling by accident.
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The Estate Agent / Mutawalli

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Execute what the family already planned, exactly when it's needed — and never for themselves.

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Accepts the mutawalli invite

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Joins with agent-level access; switches into this family from any others they already serve.

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Pending InvitesFamily Switcher
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Reviews each member's documents

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Picks a member from the chip list, reads their Wassiyah, Waqf, and insurance, and checks whether professional review has been requested or completed.

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Mutawalli
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Sets up the trigger for that member

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Executor name, death certificate reference, two attestors who each confirm independently — never for the member who happens to be themselves.

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Mutawalli
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Fires it, and notifies heirs

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Once both attestors confirm, fires the trigger and sends the automated heir-notification email — a real send, not a preview.

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MutawalliTrigger
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Works the execution packets

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Uses the per-asset packets generated for each covered instrument to actually carry out the transfer.

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Trigger
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OutcomeActs with real authority over everyone else's plan and none over their own — enforced by the system, not just the UI.
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The Professional Mutawalli

+ Agent · multi-family +
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Serve several unrelated families as their appointed trustee, without one family ever seeing another's affairs.

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Holds the same role across families

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Accepts separate agent invites from each client family, all under one login.

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Family Switcher
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Switches, executes, switches again

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Every action — trigger status, attestor count, review state — is scoped to the active family and the specific member, so firing one client's trigger can never touch another's, even if the same person happens to belong to both.

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Mutawalli
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OutcomeOne professional, many clients, zero cross-contamination — the case this app's data model was specifically hardened for.
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The Heir / Beneficiary

+ No account +
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Find out what was left to them, without needing to have planned any of it themselves.

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Named, not signed up

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A family member enters their email against a Wassiyah bequest or a Waqf beneficiary — the heir never touches the app at this point, or maybe ever.

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WassiyahFamily Waqf
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Gets one email, once

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After the mutawalli confirms death and fires the trigger, an email lands in their inbox — sent through the app's own mail relay, not a third-party marketing tool.

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notify-heirs
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OutcomeLearns what's theirs at the moment it matters, with no account to forget the password to.
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The Professional Reviewer

+ Lawyer / consultant · no account +
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Give a real legal opinion on a draft before a family relies on it — without the app pretending to replace them.

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Contacted outside the app

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A family member marks their Wassiyah "review requested" and reaches out directly — no in-app marketplace or booking.

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Wassiyah
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Reviews the actual draft

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Reads the generated will document — clearly watermarked as a draft, not a claim of legal validity — with jurisdiction-specific notes already flagging what execution requires.

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Draft will PDF
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Sign-off gets recorded

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The family member marks it "reviewed" with the reviewer's name — visible to the mutawalli from then on.

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WassiyahMutawalli
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OutcomeA real professional opinion, tracked as a visible status — the app hands off, it doesn't substitute.
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People in the tree who never log in

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Grandparents, deceased relatives, young children — most nodes in a real family tree have no account and never will. Anyone with access adds them as a lightweight person record with a name, dates, and an optional photo, and can link them to a real account later if one gets created. They're a data subject in this app, not a user of it.

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