Roadmap
BANA rolls out in phases defined by customer scale and industry — not abstract feature buckets. Each phase widens two axes at once: the size of business we serve (revenue band + tax obligation) and the industries we cover.
As of 2026-05-31
Phase 1 (HKD · F&B) is feature-complete for MVP and entering UAT in early June 2026. See the WK22 sprint review for the verified delivery status (not just the board).
Phase timeline
Phases at a glance
| Phase | Milestone | Business scale (revenue / tax) | Bookkeeping | Industries | Status |
|---|---|---|---|---|---|
| Phase 1 | UAT early-Jun → release end-Jun 2026 | revenue < 1B — tax-exempt, e-invoice optional | book S1a | F&B | In UAT |
| Phase 2 | Sep 2026 | + revenue 1–3B — PIT on % of revenue | books S1a / S2a | + multi-channel F&B · general retail · grocery | Planned |
| Phase 3 | Dec 2026 | + revenue 3–50B — PIT on profit (15%) | + 4 books S2b–e | + fashion · cosmetics · pharmacy · spa · hotel · karaoke · entertainment | Planned |
Phase 1 — HKD · F&B In UAT
Terminology
HKD = household business (hộ kinh doanh), Vietnam's smallest business form. Book S1a / S2a / S2b–e are the official simplified-accounting books. PIT/CIT = Personal / Corporate Income Tax. Tax code = the business's tax identifier (MST).
Target: Household businesses (HKD) with revenue under 1 billion VND — tax-exempt, electronic invoice not mandatory, simplest bookkeeping (book S1a). Industry: F&B.
Milestone: PRD on the new UI is complete and handed to the Nex team (design + dev). Sprint 1 synced to Jira. UAT begins early June 2026; first production release targeted end of June 2026.
Delivery status (as of 2026-05-28)
| Feature group | Status | Notes |
|---|---|---|
| Payment | Done | Cash · QR VNPAY · thermal-printer invoice · PhonePOS |
| Household-business onboarding | Done | Register account + verify · overview · login · logout |
| Device management | Done | POS terminal / printer · USB & network driver · secondary display (info + connection only; no device hub yet) |
| Reports | Done | Total-revenue dashboard + report by Org/partner — basic individual-customer (name + phone) |
| Products | Done | Standard product, add-on, combo, quota |
| Inventory (basic) | Done | Stock locations · view products in stock · manual stock adjustment · vendor list (info only; no payables yet) |
| Cash & expense | Done | Cash book + finance wallet · receipt voucher (no payment voucher in Phase 1) |
| Sales | Done | All Phase 1 sale tasks done |
| Store management | Done | Business Type for F&B · Merchant creation done · tax code (MST) resolved |
| Tax declaration | Done | Create + generate book API done · UI to view PDF · download XLSX + PDF |
| User management & permissions | Fixing bug | Casbin RBAC + assign user to Merchant — ~90%. Internal: done. Store: create/manage user + role done; shift assignment deferred. |
Phase 1 known deferrals
Explicitly out of Phase 1, moving to a later phase:
- Device hub (centralised device control beyond connection info)
- Vendor payables / accounts-payable
- Payment voucher — only receipt voucher ships in Phase 1
- Shift assignment within store user management
The full done-inventory is Phase 1 — What Shipped (16 groups, 74 features). The authoritative live status is the feature matrix (per-feature, app-by-app) and the WK22 sprint review. This roadmap summarises; those track detail.
Phase 2 — wider scale + multi-industry Planned
Milestone: September 2026. Scale added: HKD revenue 1–3 billion VND — PIT on a percentage of revenue, bookkeeping book S2a (alongside S1a). Industries added: multi-channel F&B, general retail, grocery.
Full detail — seven code-grounded epics with scope, dependencies, priorities, and a proposed sequence — is in Phase 2 — Plan.
Indicative scope (confirm at planning; derived from current "in-progress / not-done" items in the feature matrix):
| Area | Candidate scope |
|---|---|
| Inventory | Advanced stock: multi-location operations, inventory tickets, low-stock alerts UI |
| Sales / POS | KDS (send order to kitchen), POS shift open/close + cash reconciliation, QR self-order |
| Reports | X-Report / Z-Report per shift, profit (basic P&L), inventory & best-seller reports |
| Tax | Book S2a + declaration form 01/CNKD for the 1–3B band |
| Partners | Supplier payables, business-customer (tax code) management |
| Cash & expense | Payment voucher, shift cash pay-in/pay-out |
Phase 3 — full scale + deep verticals Planned
Milestone: December 2026. Scale added: HKD revenue 3–50 billion VND — PIT on profit (15%), full bookkeeping with the 4 books S2b–e. Industries added: fashion, cosmetics, pharmacy, spa, hotel, karaoke, entertainment.
| Area | Candidate scope |
|---|---|
| Inventory | BOM / lot / expiry (pharmacy, production), opening-balance import at scale |
| Loyalty & marketing | Vouchers, points, customer engagement |
| Reports & AI | Profit/loss reports, predictive analytics, alerts |
| Verticals | Industry bundles: spa appointments, hotel room management, pharmacy compliance, karaoke/entertainment |
| Tax | Books S2b–e, VAT-deduction + corporate-style handling for the 3–50B band |
How scale maps to tax obligation
| Revenue band | Tax status | Bookkeeping | First served in |
|---|---|---|---|
| Under 1B VND | Tax-exempt; e-invoice optional | S1a | Phase 1 |
| 1B – 3B VND | PIT on % of revenue | S2a | Phase 2 |
| 3B – 50B VND | PIT on profit (15%) | S2b–e (4 books) | Phase 3 |
See Tax Policy for the regulatory background (Decree 70/2025) and Target Customers for segment definitions.
Related Pages
- Delivery hub · Traceability Matrix · Sprint Reviews
- Feature Matrix — live per-feature status
- Target Customers · Tax Policy
- Modules — what each phase delivers, in detail