The document outlines a 3 year implementation plan for ApproveIt, an application that allows users to approve payments directly from their phones. The plan has 4 phases: 1) begin development and strengthen sales, 2) fully integrate the app into Apple and Samsung Pay, 3) continue improving features and look to expand, 4) sell the app to Apple and Samsung. It also discusses the app's financials, risks around regulations, bank willingness, and marketing, and solutions to address each risk.