Our client wanted to develop a product platform that can be used for micro transactions having multiple utilities such as: Micro Insurance, Pre Paid Mobile, Stored Value Applications, Micro Banking, Bill Payment. The product was to be developed to be available in multiple platforms simultaneously - Mobile, Web, Point of Sales Systems (POS) and SMS based Transactions. Time to market for this project was critical as multiple other vendors were expected to launch similar applications. First mover advantage was essential therefore time to market was not to be compromised..