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To join SADAD, banks and billers should go through SADAD’s onboarding process, which includes eight key phases. All onboarding steps are performed by the biller and the bank with on-going support from SADAD's Integration Unit (SIU):

First Phase: Detailed Impact Analysis
Second Phase: Integration Planning
Third Phase: Business Rules Assessment
Fourth Phase: Integration & Development
Fifth Phase: Testing
Sixth Phase: On-boarding Migration Planning
Seventh Phase: Training
Eighth Phase: Go-Live 

First Phase: Detailed Impact Analysis
Impact Analysis aims to help billers assess their operational and technical readiness for integration with SADAD along six key business and IT dimensions:

1. Architecture: Contains overarching systems architecture (middleware, point-to-point), interfaces and flow mechanisms between different systems.
2. Systems:  Studies the current utilized system functions and features, readily available system functions and features not in use; in addition to modifications, upgrades, and enhancements to current systems.
3. Infrastructure: Evaluates hardware, software systems, network, and communication interfaces.
4. Processes: Includes key business processes for each channel, back-office processes, customer-facing processes, and MIS reporting and performance tracking.
5. Organization: Evaluates organizational impact and establishment of centralized functions.
6. People & Skills: Covers training programs and material development, training administration, implementation and development of system modifications, as well as manpower planning and job descriptions. 


Impact analysis involves five main steps:

1. Brief the internal project team
2. Conduct survey
3. Assess present gaps
4. Determine tasks to fill gaps
5. Validate internally and submit to SADAD Integration Unit 



Second Phase: Integration Planning

Integration Planning is designed to help billers appropriately consolidate their integration tasks with SADAD, and to precisely determine specifications to:
1. Develop a detailed work plan for integration.
2. Determine a comprehensive list of required resources.
3. Evaluate overall project cost.


1. Brief the internal project team
2. Determine subtasks, prerequisites, dependencies, and closures
3. Determine durations, costs, and resources
4. Compile the integration plan
5. Validate internally and submit to SADAD Integration Unit



Third Phase: Business Rules Assessment

Business Rules Assessment aims to understand the biller's current billing process based on SADAD’s system design, usage, and integration requirements:
1. Identify business rules that readily conform with SADAD's system design.
2. Identify business rules that may require modification to conform with SADAD's system design.
3. Identify business rules that may require amending SADAD's current system design.



Fourth Phase: Integration & Development

This phase involves carrying out the biller’s required applications and functions determined in the three previous phases. It also includes developing the interface for XML (Extensible Markup Language) messages between SADAD and the biller/bank.


Fifth Phase: Testing

To ensure meeting all the design specifications, SADAD performs two testing stages (Unit and System Testing, and User Acceptance/Integration Testing). This phase of the onboarding process is designed to test both ends of the system (biller/bank and SADAD) to ensure successful end-to-end transaction flows.


Sixth Phase: Onboarding Migration Planning

This involves conducting the migration plan for phasing out of the legacy system and rolling out with SADAD.


Seventh Phase: Training

SADAD will train the biller/bank employees and ensure the appropriate transfer of knowledge. Operation sessions help increase the understanding of the day-to-day work associated with the system.


Eighth Phase: Go-Live

After ensuring that the biller/bank has passed all tests successfully and can be certified for hosting live SADAD transactions, Go-Live is initiated. In addition, SADAD has to deliver the necessary information to the customer (access points, digital certificates...etc.).
Important Note: Billers and banks are responsible for providing the infrastructural hardware, development, and software required to go live with SADAD’s system.