ECP Digital Bank

Complete documentation of the 4 product lifecycle phases — from strategic context to operations.

Product Vision

To be the digital bank that transforms how Brazilians relate to their money

Delivering on the computer — where they work, decide, and build their future — the most intelligent, clear, and integrated financial experience in the country.

Millions of young Brazilian professionals spend eight hours a day in front of a computer, yet are forced to manage their finances on mobile, on small screens, with fragmented data and no context. ECP Digital Bank exists to eliminate that contradiction.

North Star Metric

WAU-EFI

Weekly Active Users with Intelligent Financial Engagement
Number of unique users per week who perform at least one interaction with intelligent financial features — smart statement, proactive insights, or financial planning.

Priority Segment

Young Salaried Professionals

Ages 22-35, formal employment (CLT), R$2,500–8,000/month. Heavy Pix users, spend 8–10h/day on computers, dissatisfied with mobile-only banks. Represent 40–45% of SAM.

R$ 180B

TAM

R$ 72B

SAM

14–18%

CAGR

HITLs Approved

Phase Timeline

Phase 01

Strategic Context HITL #1 Approved

OKRs, North Star (WAU-EFI), product vision, 7 principles, OST with 15 opportunities, assumption map with 12 entries and 3 critical ones.

Phase 02

Product Discovery HITLs #2–#6 Approved

10 prioritized opportunities, 7 insights, 10 hypotheses (4 selected), low-fi and high-fi prototypes (17 screens), 3 epics, 14 features, 25 user stories with BDD, assessment of Cagan's 4 risks.

Phase 03

Product Delivery HITLs #7–#10 Approved

DDD with 5 bounded contexts, 7 ADRs, Fastify API with 9 modules and 27 endpoints, React SPA with 10 pages, 29 test cases, 10/10 quality gates.

Phase 04

Operations HITL #11 Approved

CI/CD with GitHub Actions (6 jobs), GMUD-001 approved, deploy strategy (Node.js + PM2), installation guide, 6 SLOs defined.

Quick Access

🎯 Phase 01 — Strategy 🔍 Phase 02 — Discovery ⚙ Phase 03 — Delivery 🚀 Phase 04 — Operations 📦 Installation Guide 📊 Dashboard App

Phase Summaries

Phase 01 — Strategic Context

OKRs, North Star and Positioning

Definition of strategic objective: "Win the first users who adopt ECP as their primary digital bank on the computer", with 5 measurable Key Results. Competitive analysis of 6 rivals revealed a universal gap — none offers a robust web-first experience.

market-research.json product-vision.json product-strategy.json metrics.json

Phase 02 — Product Discovery

Opportunities, Hypotheses and Structured Backlog

10 opportunities prioritized across 3 pillars (Entry, Daily Use, Intelligence). 4 hypotheses selected for prototyping (H1–H4). Backlog with 3 epics, 14 features and 25 user stories with BDD/Gherkin acceptance criteria. 4 risks assessed, all approved.

opportunity-prioritization.json insight-synthesis-and-ideation.json backlog-estruturado.json four-risks-assessment.json

Phase 03 — Product Delivery

Architecture, API, Frontend and QA

DDD architecture with 5 bounded contexts. Stack: Fastify 5.0 + SQLite3 + React 18.3 + Vite 5.4 + Tailwind CSS 3.4. API with 9 modules and 27 endpoints. Frontend with 10 pages and 9 components. QA with 29 test cases and 10/10 quality gates passing.

architect-output.json backend-output.json frontend-output.json qa-report.json

Phase 04 — Operations

CI/CD, GMUD and Deployment

GitHub Actions pipeline with 6 jobs (code-quality, unit-tests, build, change-gate, deploy-production, quality-gate). GMUD-001 approved for initial release. Deploy strategy: Node.js + PM2 for API, static hosting for SPA.

ops-output.json GMUD-001.md INSTALACAO.md