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+# User Management Documentation
+
+## Overview
+User management is a critical module in this banking project, responsible for handling authentication, authorization, and user-related operations across the mobile application, website, and admin panels. This document outlines the features, security considerations, and development flow for implementing user management while adhering to industry standards.
+
+## Core Features
+
+### 1. User Registration & Authentication
+- Signup via email and phone number (OTP-based verification)
+- Login using password, OTP, and biometric authentication (if applicable)
+- Social login (optional, if required)
+
+### 2. Role-Based Access Control (RBAC)
+- Define roles: Admin, Customer, Support Staff, etc.
+- Assign permissions based on roles
+- Restrict access to sensitive actions
+
+### 3. User Profile Management
+- Update personal details (name, phone, email, etc.)
+- Upload and verify KYC documents (ID, address proof)
+- Change password and reset password via email/OTP
+
+### 4. Session Management & Security
+- Multi-session handling (web, mobile, other devices)
+- Auto logout after inactivity
+- Refresh token mechanism (JWT or OAuth2)
+
+### 5. Account Locking & Recovery
+- Auto-lock after multiple failed login attempts
+- Forgot password recovery via email/OTP
+- Secure account deletion process
+
+### 6. Audit Logs & User Activity Tracking
+- Log every user action (logins, transactions, settings changes)
+- Store metadata (IP, device info, timestamps)
+- Provide an activity dashboard for users
+
+### 7. Multi-Factor Authentication (MFA)
+- Enable 2FA via OTP, authenticator app, or email
+- Option for users to toggle MFA settings
+
+---
+
+## Industry-Level Considerations
+
+### Performance Optimization
+- Use caching (Redis) for session handling
+- Optimize database queries (indexes, pagination)
+
+### Security Standards
+- Encrypt sensitive data (passwords, KYC data)
+- Use HTTPS & secure headers in API requests
+- Implement rate limiting to prevent brute force attacks
+
+### Scalability & Maintainability
+- Design APIs using microservices architecture
+- Follow clean code principles (SOLID, DRY, KISS)
+- Write unit & integration tests
+
+---
+
+## Development Flow
+
+### **Phase 1: Backend (REST API)**
+1. Implement authentication (JWT/OAuth2)
+2. Develop secure API endpoints with validation
+3. Role-based access control (RBAC) implementation
+4. Session management & security enhancements
+5. User profile management API
+6. Logging and activity tracking
+7. API documentation & testing
+
+### **Phase 2: Frontend (Web & Mobile)**
+1. Develop signup/login UI with validation
+2. Integrate authentication API
+3. Implement profile management UI
+4. Add 2FA/MFA settings UI
+5. UI for account recovery & session management
+6. Implement activity log display for users
+
+### **Phase 3: Admin Panel**
+1. User list with search & filtering
+2. Role management (assign/update roles)
+3. View logs & manage user access
+4. Review & approve KYC documents
+5. Lock/unlock user accounts
+6. Admin-side session & audit tracking