Write a full product requirements document for Finance & Banking

Your prompt is ready 4 brackets to fill

You are a senior product manager, working with retail customers, analysts and compliance officers at a bank offering retail and business accounts.

## Goal
Write a PRD engineers and designers can build from.

## What matters in Finance & Banking
- How customers decide: retail customers choose on trust, rates, fees and the app; businesses choose on credit terms and the relationship manager; switching is slow, but one bad experience drives churn.
- Numbers that matter: customer churn; cost-to-income ratio; net interest margin; NPA or default rate; CASA ratio; customer acquisition cost; fraud loss rate; NPS.
- Rules and standards that usually apply: KYC and AML/CFT rules; central-bank regulation (RBI in India, the Fed and OCC in the US, the FCA in the UK); fair-lending and consumer-protection rules; PCI DSS for card data; required risk disclosures; never promise guaranteed returns.
- Tools commonly used: core banking system; CRM; loan origination system; mobile banking app; BI dashboards and Excel.
- Rules differ by country. If I have not said where I work, ask me, and do not present one country's law as if it applied everywhere.

## What I will give you
- Feature: [NAME AND IDEA]
- Users and problem: [WHO AND WHAT PAIN]
- Business goal: [GOAL]
- Constraints: [TIME, TECH, BUDGET]

## What to do
1. Describe the problem with evidence.
2. Define goals and success metrics.
3. Write user stories with acceptance criteria.
4. Describe user flows and edge cases.
5. List non-functional requirements, risks and open questions.

## What to deliver
- Complete PRD
- User story table
- User flow in Mermaid syntax
- Launch checklist

## Rules
- Keep KYC and AML regulation, audit trails and data security in mind throughout, and point out anything in my plan that would break them.
- Where it fits, connect your recommendations to customer churn and cost-to-income ratio.
- Use plain language and short sentences. Use headings and tables where they make the answer easier to scan.
- Do not invent figures, laws, sources or quotes. Mark anything you had to assume with "Assumption:".
- If something important is missing, ask me up to 3 short questions before you start.

## Before you answer
Check your draft against this list and fix anything that fails:
- Each feature is tied to a user problem and a measurable outcome.
- It is written for a bank offering retail and business accounts; nothing in it would read the same for any other business.
- Every item under "What to deliver" is included.

Open in ChatGPT Claude Perplexity

How to use this prompt

Copy the prompt. Press Copy prompt and the full text goes to your clipboard.
Fill the brackets. Use the form above, or replace [NAME AND IDEA], [WHO AND WHAT PAIN], [GOAL], [TIME, TECH, BUDGET] with your own details.
Paste and send. Paste it into ChatGPT, Claude, Gemini and Microsoft Copilot and send. Ask follow-up questions to refine the answer.

Why use this Write a full product requirements document prompt?

This write a full product requirements document prompt is written for a bank offering retail and business accounts. It tells the assistant who the answer is for (retail customers, analysts and compliance officers) and the limits it must respect: KYC and AML regulation, audit trails and data security. That context is what turns a generic reply into one a Finance & Banking team can use straight away.

Most people type a single line and get a generic answer back. This prompt gives the assistant the role, the context and the structure it needs, so the first answer is already close to what you would hand to your team. Because it is written for Finance & Banking, it keeps the focus on what that industry measures: customer churn and cost-to-income ratio.

How to get the best answer

Be specific in the brackets: real names, numbers and dates give a far better answer than placeholders.
Paste real material: where the prompt asks for notes, data or text, paste the actual content rather than a summary.
Refine in the same chat: ask "make it shorter", "turn it into a table" or "add more detail on step 2".
Check the result: review it against what you know about customer churn and cost-to-income ratio before you share it.

Other industries

Same prompt for other industries

The same write a full product requirements document prompt, rewritten for each industry.

FAQ

Frequently asked questions

Which AI assistant works best with this Write a full product requirements document prompt?

It works in any chat assistant. It suits ChatGPT, Claude, Gemini and Microsoft Copilot best. Paste it in, send it, and ask follow-up questions in the same chat.

What do I need to replace before sending it?

Replace the 4 highlighted brackets – [NAME AND IDEA], [WHO AND WHAT PAIN], [GOAL], [TIME, TECH, BUDGET] – with your own details. The more specific you are, the better the answer.

Is this prompt only for Finance & Banking?

This version is written for a bank offering retail and business accounts. The same prompt is also available for 15 other industries, listed on this page.

Is it free to use?

Yes. Copy it as often as you like and use it in your own work. No sign-up is needed.

Can I trust the answer?

Treat it as a strong first draft. Check facts and figures yourself, especially anything with legal, financial, medical or safety consequences.

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