Oracle® Banking Origination

Credit Card Origination User Guide

Release 14.7.2.0.0
F90769-01
November 2023
Oracle Banking Origination Credit Card Origination User Guide, Release 14.7.2.0.0

F90769-01

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Contents

1 Credit Card Origination Process

2 Credit Card Origination

2.1 Credit Card Application Entry Stage 2-2
2.1.1 Customer Information 2-3
2.1.2 Relationship 2-14
2.1.3 Customer Consent and Preference 2-19
2.1.4 Credit Card Details 2-21
2.1.5 Financial Details 2-22
2.1.6 Card Preference 2-27
2.1.7 Add-On Card Holder 2-29
2.1.8 Charge Details 2-31
2.1.9 Interest Details 2-32
2.1.10 Summary 2-33
2.2 Credit Card Application Assessment 2-35
2.2.1 Credit Rating Details 2-36
2.2.2 Assessment Details 2-38
2.2.3 Qualitative Scorecard 2-45
2.2.4 Add-On Card Holder 2-46
2.2.5 Summary 2-48
2.3 Supervisor Approval Stage 2-49
2.3.1 Assessment Summary 2-50
2.3.2 Approval Details 2-51
2.3.3 Summary 2-53
2.4 Global Actions 2-54
2.4.1 Icon 2-55
2.4.2 Customer 360 2-55
2.4.3 Application Information 2-56
2.4.4 Remarks 2-58
2.4.5 Documents 2-58
2.4.6 Advices 2-61
2.4.7 Condition and Convenants 2-61

iii
 2.4.8 Solicitor Details 2-64
2.4.9 Clarification Details 2-65

3 Error Codes and Messages

4 Advices

Index

iv
Preface
• Purpose
• Audience
• Documentation Accessibility
• Diversity and Inclusion
• Conventions
• Related Resource
• Screenshot Disclaimer
• Acronyms and Abbreviations
• Symbol and Icons
• Basic Actions

Purpose
Welcome to the Credit Card Origination user guide for Oracle Banking Origination. This
document provides an overview of the Credit Card Origination process and takes you through
the various steps involved in handling all the necessary activities in the life cycle of a Credit
Card Origination.

Audience
This user manual is intended for the Relationship Managers (RMs), other loan executive staff-
member in-charge of maintenance for the credit card accounts in the bank, and sales officer
in-charge of sourcing the Credit Card Origination products from prospect and customer of the
bank. This user manual is also intended for the other bank personas such as bank operations
manager, account opening officers or branch managers who may handle the specific stages
of the lifecycle of the Retail Loans Origination process based on the bank’s internal operation
and policies.

Documentation Accessibility
For information about Oracle's commitment to accessibility, visit the Oracle Accessibility
Program website at http://www.oracle.com/pls/topic/lookup?ctx=acc&id=docacc.

Access to Oracle Support

Oracle customers that have purchased support have access to electronic support through My
Oracle Support. For information, visit http://www.oracle.com/pls/topic/lookup?ctx=acc&id=info
or visit http://www.oracle.com/pls/topic/lookup?ctx=acc&id=trs if you are hearing impaired.

5
 Diversity and Inclusion

Diversity and Inclusion

Oracle is fully committed to diversity and inclusion. Oracle respects and values having
a diverse workforce that increases thought leadership and innovation. As part of our
initiative to build a more inclusive culture that positively impacts our employees,
customers, and partners, we are working to remove insensitive terms from our
products and documentation. We are also mindful of the necessity to maintain
compatibility with our customers' existing technologies and the need to ensure
continuity of service as Oracle's offerings and industry standards evolve. Because of
these technical constraints, our effort to remove insensitive terms is ongoing and will
take time and external cooperation.

Conventions
The following text conventions are used in this document:

Convention Meaning
boldface Boldface type indicates graphical user interface elements associated
with an action, or terms defined in text or the glossary.
italic Italic type indicates book titles, emphasis, or placeholder variables for
which you supply particular values.
monospace Monospace type indicates commands within a paragraph, URLs, code
in examples, text that appears on the screen, or text that you enter.

Related Resource
The related documents are as follows:
• Operations User Guide
• Configuration User Guide
• Alerts and Dashboard User Guide

Screenshot Disclaimer
Personal information used in the interface or documents is dummy and does not exist
in the real world. It is only for reference purposes.

Acronyms and Abbreviations

The list of the acronyms and abbreviations that you are likely to find in the manual are
as follows:

6
 Symbol and Icons

Table Acronyms table

Abbreviation Description
DS Data Segment
System Oracle Banking Origination Module
OBA Oracle Banking Accounts
OBO Oracle Banking Origination

Symbol and Icons

Table Symbols and Icons - Common

Symbol/Icon Function
Minimize

Maximize

Close

Perform Search

Open a list

Add a new record

Navigate to the previous record

Navigate to the next record

Refresh

Calendar

Alerts

7
 Basic Actions

Basic Actions
Table Basic Actions

Actions Functions
Request Clarification Used to raise a new clarification request. The system allows
placing a request for clarification that is needed from the
Customer to proceed ahead with the application. The clarification
can be for any additional details, confirming specific information,
the requirement for any additional document, and so on, from the
customer. For more information on Request Clarification, refer to
the section Request Clarification.
Back Used to navigate to the previous data segment within a stage.
Next Used to navigate to the next data segment, after successfully
capturing the data. The system validates all mandatory data
segments and data fields. If mandatory details are not provided,
the system displays an error message for the user to take action.
Users will not be able to proceed to the next data segment,
without capturing the mandatory data.
Save & Close Used to save the data captured, provided all the mandatory fields
are captured and will be available in the My Task list for the user
to continue later.
Cancel Used to close the application without saving. This tasks appears
in Free Task, once the transaction is canceled.

8
1
Credit Card Origination Process
This topic describes the information on the various features of the credit card origination
process.
Oracle Banking Origination is the middle office banking solution with comprehensive
coverage of account opening processes of the below product for both Individual as well as
Small and Medium Business type of customers:
• Saving Account
• Current Account
• Term Deposit Account
• Credit Card Account
• Retail Loans Account
It is a Host-Agnostic solution.
It enables banks to deliver the improved user experience for various bank personas such as
Sales Officers, Relationship Manager, Account Opening Officers, Branch Supervisor/
Managers, Loan Officers, and Credit Officers and so on, handling defined functions in the
lifecycle of the various product origination.
The convenience of configuring appropriate stages and the respective data segments within
each of these stages, which can be business driven, is hosted and architectured by our new
platform solution. The random access navigation between data segments within a given
stage with appropriate validations, helps enable the business user to capture apt information
anytime during the origination request before the Credit Card Account is created in the Host.
The new workflow also supports capturing of relevant documents, stage wise, and generation
of advices and notifications dynamically.
This user guide explains the reference workflow for the Credit Card Origination process and
further details the data that needs to be captured in the data segment linked to the specific
stages.

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2
Credit Card Origination
This topic provides an overview of the credit card origination process and takes you through
the various steps involved in handling all the necessary activities in the life cycle of a Credit
Card Origination process.
This document provides an overview of the credit card origination process and takes you
through the various steps involved in handling all the necessary activities in the life cycle of a
credit card origination process.
The document is designed to help you create the Retails Credit Card type of credit cards.
To acquire and edit the task:
1. From Home screen, click Tasks. Under Tasks, click Free Tasks.

Figure 2-1 Free Task

This user guide explains the reference workflow for the Credit Card Origination process and
further details the data that needs to be captured in the data segment linked to the specific
stages.
This chapter includes following sections:
• Credit Card Application Entry Stage
This topic describes the information on the various data segments to capture the required
data in the Credit Card Application Entry stage.
• Credit Card Application Assessment
This topic describes the information on the various data segments to update the required
data and assess the application in the Credit Card Application Assessment stage.
• Supervisor Approval Stage
This topic describes the information on the various data segments to view the captured
details and approve the application in the Supervisor Approval stage

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• Global Actions
This topic provides the detailed on the actions that can be performed in all stages.

2.1 Credit Card Application Entry Stage

This topic describes the information on the various data segments to capture the
required data in the Credit Card Application Entry stage.
The initiation request for a credit card can be originated by authorized branch users or
relationship managers or by approved bank agents, either through the traditional
branch channel or through dedicated protocol services made available on digital
devices like tablets or mobiles. The initiation of credit card request can be made for
both new and existing customer types. Credit Card is only applicable for individual
customers. Also, the platform supports processing of the credit card request from the
customer which are directly received from the Self-Service Banking Channel (Oracle
Banking Digital Experience) through the REST based service APIs.
The selection of the relevant credit card product on which the credit card is required
can be initiated using this process, provided the user has the required access rights.
Please refer to the detailed setup and operation workflows for both asset and liability
products initiation made available in the Operations user guide.
To open credit card application entry task:
1. Scan the records that appears in the Free Task list.
2. Click Acquire and Edit or Acquire from the Action column of the appropriate
record. The Application Entry stage is displayed.
As detailed in the Operations User Guide, all the product originations are initiated in
the Application Initiation stage from the product catalogue. The cart operation in
product catalogue allows to originate single or multiple product initiation. Once the
Credit Card origination process is initiated either as a single product origination or as
part of the multiple product selection, process orchestrator generates the credit card
process reference number on submit of the Application Initiation stage. Process
orchestrator also updates the record in the Free Task process for the ‘Application
Entry’ stage also referred as ‘Task’ from orchestrator perspective.
The Application Entry stage is the first stage in the Credit Card Account Open process.
After the initiate process is completed successfully, the application can be acquired by
the user who has the access rights for the given stage and progress with the data
capture
The Credit Card Application Entry stage has the following reference data segments:
• Customer Information
This topic provides the systematic instructions to capture the customer-related
information for the application.
• Relationship
This topics describes the relationship details of parties that are involved in loan
account opening application.
• Customer Consent and Preference
This topic describes the consent and preferences of customers that are captured
in account opening process.

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• Credit Card Details

This topic provides the systematic instructions to capture the credit card related
information for the customer.
• Financial Details
This topic provides the systematic instructions to capture the financial details for a single
applicant or a customer for the given credit card application as the case may be.
• Card Preference
This topic provides the systematic instructions to capture the card related information for
the customer.
• Add-On Card Holder
This topic provides the systematic instructions to capture any number of add-on card
holder details for the given application.
• Charge Details
This topic provides the systematic instructions to view the details of the charges
applicable for the account.
• Interest Details
This topic provides the systematic instructions to view the interest rates and margin (%)
applicable / levied for this credit card application.
• Summary
This topic provides the systematic instruction to view the tiles for all the data segments in
the Credit Card Application Entry Process.

2.1.1 Customer Information

This topic provides the systematic instructions to capture the customer-related information for
the application.
The Customer Information data segment displays the details captured for the customer in
the Application Entry stage and allows updating further fields for supplementing the customer
related information.
To capture customer information details:
1. In the Application Entry stage, update the customer details in the Customer Information
data segment based on the respective customer type.

Note:
The fields in the screen appears based on the region specific configuration.
Refer Regional Configuration section below to understand regionalization
impact on this data segment.

The Customer Information - Individual screen displays.

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Figure 2-2 Customer Information

2. Specify the relevant details in data fields. The fields which are marked with
asterisk are mandatory. For more information on fields, refer to the field description
table below:
For more information on the fields, refer to the field description table below:

Table 2-1 Customer Information - Individual – Field Description

Field Description
Customer Type Displays the customer type based on the product selected.
Number of Applicants Displays the number of applicants added for the account. It
gets auto calculated based on the number of applicants that
are added by Add applicant.
Applicant Name <role> Displays the name of the applicant. The applicant role is
displayed adjacent to this field.
Date of Birth Displays the date of birth of the applicant.
E-mail Displays the e-mail ID of the applicant.
Mobile Number Displays the mobile number of the applicant.
Edit Click Edit to modify the existing customer details and address
details.
Click Save to save the modified details and click Cancel to
cancel the modifications.
Add Customer Click Add Customer to add another customer other than
primary applicant.
Existing Customer Select to indicate if customer is existing customer.

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Table 2-1 (Cont.) Customer Information - Individual – Field Description

Field Description
Role Displays the applicant role.
The first customer which is added while initiating an
application is considered as primary applicant.
By default the Primary Applicant option appears in this field.
This field is enabled if you add customer other than the
primary customer.
The options that are selected in the Allowed Applicants
Roles field of the Business Product Preferences data
segment in the Business Product screen appear for
selection.
The avaliable options are:
• Joint Applicant
• Guarantor
• Guardian
• Custodian
CIF Number Search and select the CIF number.
This field appears for only existing customers.
Once the CIF number is selected, the system identifies
whether the entered CIF number matches the Office of
Foreign Assets Control (OFAC) list. If response is positive then
an error appears stating the selected CIF is of an Invalid
Customer Status. The account opening process is not
initiated with that customer.
Advanced Search Click this button to perform party using advance parameters.
For more information on advance search, refer the Advanced
Search section below.
Title Select the title of the applicant from the drop-down list.
First Name Specify the first name of the applicant.
Middle Name Specify the middle name of the applicant.
Last Name Specify the last name of the applicant.
Suffix Specify the suffix for the applicant.
This options in this list appears based on the configured entity
code in the Oracle Banking Party product.
Gender Specify the Gender of the applicant from the drop-down list.
Date of Birth Select the date of birth of the applicant.
Resident Status Select the residential status of the applicant from the drop-
down list. Available options are:
• Non-Resident Alien
• Resident Alien
• Citizen
County of Residence Search and select the country code of which the applicant is a
resident.
Birth Place Specify the birth place where the applicant has born.
Nationality Search and select the country code where the applicant has
nationality.
Citizenship By Search and select the country code for which applicant has
citizenship.

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Table 2-1 (Cont.) Customer Information - Individual – Field Description

Field Description
Marital Status Select the marital status of the customer from the drop-down
list. Available options are:
• Married
• Unmarried
• Legally Separated
• Widow
Customer Segment Select the segment of the customer. Available options are:
• Emerging Affluent
• High Net worth Individuals
• Mass Affluent
• Ultra HNI
Customer Category Select the category of the customer.
Preferred Language Select the preferred language.
Preferred Currency Select the preferred currency.
Details Of Special Need Select the special need details. Available options are:
• Blindness
• Cerebral Palsy
• Low vision
• Locomotor disability
• Leprosy-cured
• Mental retardation
• Mental illness
• Hearing Impairment
Remarks For Special Specify the remarks for the special need selected.
Need
Relationship Manager Search and select the Relationship Manager ID for the
ID applicant.
Staff Select the toggle to indicate if the customer is employee of the
bank.
Profession Select the profession of the customer.
Politically Exposed Select to indicate if the customer are politically exposed
Person person.
Insider Select to indicate if he customer is insider.

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Table 2-1 (Cont.) Customer Information - Individual – Field Description

Field Description
Address This section displays the added address of the applicant. It is
mandatory to add communication address of the applicant.
Click

to add address details.

Click

to perform below actions on the added address details,

• To view the address details, click View.
• To edit the address details, click Edit.
• To delete the address details, click Delete.
Address Type Select the address type for the applicant from the drop-down
list.
• Residential Address
• Communication Address
Location Select and search the location.
Current Address Select to indicate if you want to mark entered address as
current address type.
Preferred Address Select to indicate if you want the selected address type as
preferred address type.
Address From Select the date from when you are connected with the given
address.
Address To Select the date till when you were connected with the given
address.
Address Specify the address to search for the already captured
address.
Based on the configuration, on entering a few letters, the
system fetches the related address that is already captured.
Based on the selection, the fields are fetched in the address
section.
Address Line 1 Specify the building name.
Address Line 2 Specify the street name.
Address Line 3 Specify the city or town name.
Country Select and search the country code.
State / Country Sub Specify the state or country sub division. This field appears
Division based on the selected country code.
Zip Code / Post Code Specify the zip or post code of the address.
Addition Info In this section you can provide addition information.
Sub Department Specify the sub department.
Department Specify the department.
Building Number Specify the building number.
Post Box Specify the post box code.

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Table 2-1 (Cont.) Customer Information - Individual – Field Description

Field Description
District Name Specify the district name.
Floor Specify the floor number.
Room Specify the room number.
Locality Specify the locality.
Landmark Specify the landmark.
Contact Name / Specify the name of the contact person.
Narrative
Contact Details In this section you can provide digital contact details.
<Communication Select the communication mode from the drop-down list.
Mode> The available options are:
• Mobile Phone
• Email
Country Select the country along with international subscriber dialing
code of the mobile phone from the drop-down list.
The drop-down list option consist of countrycode, country
name and subscriber dialing code.
This field appears only if you select the Mobile Phone option
as communication mode.
Mobile Number Specify the mobile number.
Preferred Select to indicate if the given mobile number is the preferred
number.
Action You can edit or delete the added mobile details.
Email Id Specify the email ID.
This field appears only if you select the Email option as
communication mode.
Preferred Select to indicate if the given email ID is the preferred ID.
Action You can edit or delete the added email details.
Signatures In this section you can add new signature and view the already
added signature of the customer.
Click

to add upload signature.

Click Add button to add the additional signatures.
Click Cancel button to discard the added details.
On Submit, signature will be handed off to Oracle Banking
Party.
Upload Signature Drag and drop the signature file or click on Select or drop
files here to browse and upload the signature from the local
system.
PNG & JPEG file formats are supported.
Uploaded Signature Displays the uploaded signature.
Remarks Specify the remarks related to the signature.
Signature ID Displays the Signature ID for the added signature.
Signature Displays the added signature.

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Table 2-1 (Cont.) Customer Information - Individual – Field Description

Field Description
Remarks Displays the remarks for the added signature.
Action Click

to edit the added signatures

Click

to delete the added signatures.

ID Details You can add, view and edit the ID details in this section.
Click

to add ID details.
ID Type Specify the ID type.
The available options are:
• ITIN
• Driving License
• ATIN
• EIN
• SIN
• Passport
• SSN
ID Status Specify the status of the selected ID type.
The available options are:
• Verification Pending
• Applied For
• Available
• Notice Received
Unique ID Specify the unique identification code of the selected type. You
can enter the unique ID only if the ID Status is Available.
Place Of Issue Specify the place where the ID is issued to the user.
Issue Date Specify the date from which the ID is valid.
Expiration Date Specify the date till which the ID is valid.
Preferred Select to indicate whether added ID details are preferred
among all others.
In case of multiple ID details, it is mandatory to mark any one
of the ID details as Preferred.
Remark Specify the remark.

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Table 2-1 (Cont.) Customer Information - Individual – Field Description

Field Description
Action Click

to save the entered ID details.

Click

to edit the added ID details

Click

to delete the added ID details.

Supporting Document This section displays the status of the supporting documents
that customer provides to get onboard. You can view,
• Total Documents – Counts of total documents
• Document Submitted – Count of the document that are
submitted
• Document Pending – Count of the document that are
pending
In case of exiting party, already captured documents fetched in
this section. User can add, edit or delete the documents.
Click

to add the document. The Document popup appears. Below

fields appears in the popup.
Document Name Specify the name of the document.
Document Number Specify the unique number of the selected document.
Document Issue Date Specify the date from which the document is valid.
Document Expiry Date Specify the date on which the document is expired.
Upload Documents Drag and drop the document file or click the Select or drop
files here link to browse and upload the document.
Uploaded Documents The name along with extension of the uploaded document is
displayed. You can view or delete document.
Click Save to upload the document.
Tax Declaration In this section you can update the tax declaration details.

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Table 2-1 (Cont.) Customer Information - Individual – Field Description

Field Description
Form Type Specify the form type for tax declaration.
If the Non Resident Alien option is selected from the
Citizenship Status drop-down list then the Form Type is
defaulted to W8-BEN and disable.
If the Citizen or Resident Alien option is selected from the
Citizenship Status drop-down list then the Form Type is
defaulted to W9 and disable.
Valid From Specify the date from which the form is valid.
Valid Till Specify the date on which the document is expired.
Remarks Specify the remarks.
Service Member Details You can capture the service member details in this section, if
the customer is service member.
Unit Name Specify the unit name of the customer.
Service Branch Specify the service branch of the customer.
The available options are:
• Army
• Marine Corps
• Navy
• Air Force
Remarks Specify the remarks.
Order Number Specify the order number of the service in which the customer
is enrolled.
Notification Date Specify the date on which the customer notified bank about
the enrollment in service.
This date cannot be future dated.
Employee ID Specify the employee identification code.
Cover Under Armed Specify whether the customer is covered under the armed
Forces Benefits forces benefits.
Active Duty Start Date Specify the date on which service is active.
Active Duty End Date Specify the date on which the service is ending.

Advanced Search
You can perform an advanced search for the party by providing additional information.
You can perform search on below party types:
For Individual
• First Name
• Middle Name
• Last Name
• Date of Birth
• Unique ID or National ID or SSN ID
• Mobile Number
• Email
For Non- Individual

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• Party ID
• Business or Organization Name
• Registration Number
• Registration Date
• Email
• Customer Category
To search for a party using the advanced search:
To upload document for fetching customer information:
3. Click Upload Document to prepopulate Customer Information to fetch the
customer information from the uploaded documents.
The Customer Information - Upload Document screen is displayed
4. Specify the relevant details. For more information on fields, refer to the field
description table below.

Table 2-2 Customer Infromation - Upload Document – Field Description

Field Description
Document Name Select the document name from the drop-down list.
The available options are:
• Driving License
• Passport
Country of Issue This field is defaulted for the document name is selected.

Note:
This field is editable.

Upload Document Drag and drop the document or click on Select or drop files
here to browse and upload the document from the local
system.

Note:
PNG & JPEG file formats are supported.

5. On uploading the document, the details are fetched and appears in the Verify
Information screen.
The Verify Information screen is displayed.
6. On the Verify Information screen, the fields are pre-populated with extracted
data. For more information on fields, refer to the field description table below.

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Table 2-3 Verify Information – Field Description

Field Description
First Name This field is pre-populated with the extracted data. Modify the first
name of the applicant, if required.
Middle Name This field is pre-populated with the extracted data. Modify the
middle name of the applicant, if required.
Last Name This field is pre-populated with the extracted data. Modify the last
name of the applicant, if required.
Date of Birth This field is pre-populated with the extracted data. Modify the date
of birth of the applicant, if required.
Gender This field is pre-populated with the extracted data. Modify the
gender of the applicant, if required.
Unique Id Type Displays the unique ID type of the applicant based on the document
uploaded.
Unique Id No This field is pre-populated with the extracted data. Modify the
unique ID number of the uploaded document, if required.
Unique Id Expiry This field is pre-populated with the extracted data. Modify the
unique ID expiry date of the uploaded document, if required.
Birth Country This field is pre-populated with the extracted data. Modify the birth
country of the applicant, if required.
Nationality This field is pre-populated with the extracted data. Modify the
nationality of the applicant.
This field appears only if the Document Name is selected as
Passport.
Address Type Select the address type for the applicant from the drop-down list.
• Residential Address
• Communication Address
Location Select and search the location.
Current Address Select to indicate if you want to mark entered address as current
address type.
Preferred Address Select to indicate if you want the selected address type as preferred
address type.
Address From Select the date from when you are connected with the given
address.
Address To Select the date till when you were connected with the given
address.
Address Specify the address to search for the already captured address.
Based on the configuration, on entering a few letters, the system
fetches the related address that is already captured.
Based on the selection, the fields are fetched in the address
section.
Address Line 1 Specify the building name.
Address Line 2 Specify the street name.
Address Line 3 Specify the city or town name.
Country Select and search the country code.
State / Country Sub Specify the state or country sub division. This field appears based
Division on the selected country code.
Zip Code / Post Code Specify the zip or post code of the address.

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Table 2-3 (Cont.) Verify Information – Field Description

Field Description
Issue Date This field is pre-populated with the extracted data. Modify the issue
date of the driving license, if required.
This field appears only if the Document Name is selected as
Driving License.
Update Address Select the option whether the address has to be updated with the
extracted data.
The available options are
• Yes
• No

7. Click Update and Save to pre-populated the data fields in the Customer
Information screen.
The Confirmation screen displays.

Figure 2-3 Upload Document

8. Click OK to override the data fields with the extracted data. OR Click Cancel to
cancel the override action and return to Verify Information screen.

2.1.2 Relationship
This topics describes the relationship details of parties that are involved in loan
account opening application.
In this data segment you can add and view relationships of the customer. While
onboarding a customer, adding the relationship details is benefical to both customer
and bank. Below are the available relationship types,

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• Service Member - If related party is served in military services.

• Related to Insider – If related party is an insider.
This data segment is applicable only for Individual type of customer.
To add relationships of customers:
1. Click Next in the previous data segment to proceed with the next data segment, after
successfully capturing the data.
The Relationship screen appears.

Figure 2-4 Relationship

2. In the Relationships screen, select the appropriate relationship tab to add the details.
3. If the party is auto populated on the screen then click the party name to expand the
section and add related party.
4. Click

to add the party. The Add New<Relationship Type> popup appears for entering the CIF
or Party ID
5. In the CIF/PARTY ID field, enter the CIF or party ID and click Next to add the party. OR
Click

to search party.

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Note:
An existing customer of the bank can be added as related party.

6. If you search for the party then Search Party screen appears.

7. Specify the details in the relevant data fields. For more information on fields, refer
to the field description table below.

Table 2-4 Search Party – Individual

Field Description
Individual Select if the party is individual.
Non- Individual Select if the party is non-individual.
First Name Specify the first name of the party.
Middle Name Specify the middle name of the party.
Last Name Specify the last name of the party.
Date of Birth Specify the date of birth of the party.
Unique ID / National ID Specify the unique identification number of the party.
Mobile Number Specify mobile number of the party.
Email Specify the email address of the party.
Minor Specify to indicate if the party is minor.
Fetch Click the button to fetch the details based on the entered
search criteria.
Clear Click the button to clear the entered details.
Party ID Displays the party ID of the existing customer who is not
onboarded.
CIF Displays the CIF ID of the existing customer.
First Name Displays the first name of the stakeholder.
Middle Name Displays the middle name of the stakeholder.
Last Name Displays the last name of the stakeholder.
Email Displays the email ID of the existing customer.
Mobile Number Displays the registered mobile number of the customer.
Date of Birth Displays the date of birth of the customer.

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Table 2-4 (Cont.) Search Party – Individual

Field Description
Unique ID Displays the unique ID of the customer.

Table 2-5 Search Party – Non Individual

Field Description
Non- Individual Select if the party is non-individual.
Business /Organization Specify the business or organization name of the party.
Name
Registration Number Specify the registration number.
Registration Date Displays the registration date.
Fetch Click the button to fetch the details based on the entered search
criteria.
Clear Click the button to clear the entered details.
Stakeholder Type Displays the type of the stakeholder.
CIF Displays the CIF ID of the existing customer.
Registration Number Displays the registration number.
Business /Organization Displays the name of business or organization.
Name
Registration Date Displays the registration date.
Party ID Displays the party ID of the existing customer who is not
onboarded.
Is Customer Displays whether the customer exist within the bank.

8. Double click on the record which you want to select.

9. If you enter the CIF or Party ID in the CIF/PARTY ID field and click Next, then the Add
New <Relationship type> screen appears.

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Table 2-6 Add New <Relationship Type> – Field Description

Field Description
Relationship Specify the relationship of the new added party with party
involved in account opening application.
The options are:
• Spouse
• Father
• Mother
• Daughter
• Guardian
• Son
This field is not applicable for the Related to Insider.
Preferred Specify to indicate the added party is preferred as guardian.
It is mandatory to add one Preferred party
This field is not applicable for the Related to Insider.
Party Details section In this section you can view the details of the selected party.
Below fields appears on the screen:
• Party Image
• Party Name
• Type
• Date of Birth
• Gender
• ID Type
• Unique ID
• Citizenship

10. Click Add to add as a customer. You can view the selected customer in the tabular
format.

Table 2-7 Relationship

Field Description
Party Type Displays the party type.
CIF/ Party ID Displays the unique identification number.
For an existing customer, the CIF number is displayed.
For an existing non customer, the Party ID is displayed.
Name Displays the name of the customer.
ID/ Registration Number Displays the ID or registration number of the added customer.
Is Customer Displays whether the added party is an existing customer
within the bank.
Action Click delete icon the added ID details.

11. Click Next to navigate to the next data segment, after successfully capturing the
data. The system will validate all mandatory data segments and data fields. If
mandatory details are not provided, the system displays an error message for the
user to take action. User will not be able to proceed to the next data segment,
without capturing the mandatory data.

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2.1.3 Customer Consent and Preference

This topic describes the consent and preferences of customers that are captured in account
opening process.
Consent and preference data segments captures, specific customer consent and preferences
for communication and data sharing. Customer consent and preferences are used to comply
with various regulatory and bank compliance policies and processes.
This data segment is applicable only for Individual type of customer.
Questionnaire is created in the Decision Service and later mapped to the relevant regulations
and product types are part of seed data configuration.
To add customer consent and preference
1. Click Next in the previous data segment to proceed with the next data segment, after
successfully capturing the data.
The Customer Consent and Preference screen appears.

Figure 2-5 Customer Consent and Preference

2. The sections on the screen appears based on the configurations. This section displays a
set of questions which vary based on the party type and the regulations of the bank's
location. Click

to expand each section

3. Specify the details in the relevant data fields. Below are the list of sample questions,
which are configured for the different customer consents. For more information on fields,
refer to the field description table below.

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Table 2-8 Charge Details – Field Description

Field Description
E-sign Specify whether the customer needs electronic
communication.
If the answer is Yes then it is mandatory to capture the e-mail
ID for communication in the application.
Marketing Specify whether the customer needs marketing, promotional
Communications and sales communication.
If the answer is Yes then capture channel details.
Channel Specify the channel through which you need marketing
communication.
The available options are:
• Email
• SMS
• Postal Mail
• Whatsapp
• Phone
• FAX
Contact Value Specify the contact value related to the selected channel.
Preferred Time Specify the preferred time to receive marketing
communication.
Action Click

to save the entered ID details.

Click

to edit the added ID details

Click

to delete the added ID details.

Privacy Information Specify the privacy information of the customer. The question
appears based on the configured questionnaire.

4. Click Next to navigate to the next data segment, after successfully capturing the
data. The system validates for all mandatory data segments and data fields. If
mandatory details are not provided, the system displays an error message for the
user to take an action. The User cannot to proceed to the next data segment,
without capturing the mandatory data.

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2.1.4 Credit Card Details

This topic provides the systematic instructions to capture the credit card related information
for the customer.
In this data segment user can capture the credit card product details. If the user has capture
this details while initiating the application then the details are fetched and displayed in the
respective section.
To capture credit card details:
1. Click Next in the previous data segment to proceed with the next data segment, after
successfully capturing the data.
The Credit Card Details screen is displayed.

Figure 2-6 Credit Card Details

2. Specify the details in the relevant data fields.

Note:
The fields, which mentioned as Required, are mandatory.

For more information on fields, refer to the field description table.

Table 2-9 Card Preference – Field Description

Field Description
Card Type Displays the account type based on the product selected in the
Product Catalogue.
Business Product Name Displays the business product name based on the product selected
in the Product Catalogue.

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Table 2-9 (Cont.) Card Preference – Field Description

Field Description
Product Image Displays the business product image.
Product Description Displays the short description captured for the product in Business
Product configuration.
Card Currency Select the currency from the drop-down list, if required. Available
options in the drop-down list are based on the currency allowed for
the selected business product. By default, the base currency of user
logged-in branch is displayed. This field is mandatory.
Credit Card Limit Select the credit card limit. Available options are:
• Maximum Card Limit
• Requested Card Limit
Maximum Card Limit Displays the maximum card limit applicable for the selected product.
This field appears only if the Credit Card Limit is selected as
Maximum Card Limit.
Requested Card Limit Specify the requested card limit.
This field appears only if the Credit Card Limit is selected as
Requested Card Limit.
E-Sign Specify whether the customer needs electronic communication.
If the answer is Yes then it is mandatory to capture the e-mail ID for
communication in the application.
In case of joint applicants, if any one of the applicant has given
consent for e-sign in the Customer Consent and Preference data
segment then by fault this field is select as yes.
Applicants This section displays the list of applicants that are involved in this
account opening application.
Name Displays the name of the applicant.
Role Displays the role of the applicant in the application.
Income Reliant Select to indicate whether the applicant is income reliant. The
applicant’s financial details are captured only if this indication is
selected.
It is mandatory to select at least one applicant as Income Reliant.

3. Click Next to navigate to the next data segment, after successfully capturing the
data. The system validates for all mandatory data segments and data fields. If
mandatory details are not provided, the system displays an error message for the
user to take an action. The User cannot to proceed to the next data segment,
without capturing the mandatory data.

2.1.5 Financial Details

This topic provides the systematic instructions to capture the financial details for a
single applicant or a customer for the given credit card application as the case may be.
Financial details can be captured for a single applicant or a customer for the given
credit card application as the case may be. Separate shutter panels are available
applicant wise to capture the basic details and the income and expense details.
To add financial details:
1. Click Next in the previous data segment to proceed with the next data segment,
after successfully capturing the data.

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The Financial Details screen displays.

Figure 2-7 Financial Details

2. Specify the details in the relevant data fields. For more information on fields, refer to the
field description table below.

Table 2-10 Financial Details: Individual – Field Description

Field Description
<Applicant Name along Displays the applicant name along with applicant role as captured in
with Role of applicant> the Customer Information data segment.
Total Income Displays the total income and the currency of the applicant.
Total Expenses Displays the total expenses and the currency of the applicant.

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Table 2-10 (Cont.) Financial Details: Individual – Field Description

Field Description
Last Update On Displays the date on which the financial details of an existing
applicant were last updated.
For a new applicant, it will remain blank.
Employment Details In this section user can capture employment details of the parties
that are involved in an account opening application.
Salaried In this section user can capture salaried employment details.
The below fields appears if salaried employment details are already
captured.
• Employer Code
• Employer Name
• Employer Description
• From Date
• To Date
User can edit, view or delete already added details.
Click Add to capture the new salaried employment details. The
Salaried Details pop-up appears.
Employer Code Specify the employer code.
OR
Click to search the employer code. The pop-up appears to fetch the
employer code. Specify Employer Code or Employer Name to
fetch the details.
Employee Name Displays the employee name.
Employer Description Specify the employer description.
Organization Category Select the organization type from the drop-down list. Available
options are:
• Government
• NGO
• Private Limited
Demographics Select the demographics from the drop-down list. Available
options are:
• Global
• Domestic
<Actions> Click Edit to modify the existing applicant details.
Click Save to save the modified details and click Cancel to cancel
the modifications.
Edit will be visible only for existing applicant.
Employee Type Select the employee type from the drop-down list. Available options
are:
• Full Time
• Part Time
• Contract
• Permanent
Employee ID Specify the employee ID.
Grade Specify the grade.
Designation Specify the designation.

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Table 2-10 (Cont.) Financial Details: Individual – Field Description

Field Description
I currently work in this Select whether the applicant works currently in this role.
role Available options are:
• Yes
• No
Employment Start Date Select the employment start date.
Employment End Date Select the employment end date.
Industry Type Select the Industry Type from the drop-down list. Available options
are:
• IT
• Bank
• Services
• Manufacturing
• Legal
• Medical
• Engineering
• School/College
• Others
Self Employed / In this section user can capture self-employment or professional
Professional Details details of customer.
Below fields appears if self-employment or professional details are
already captured.
• Professional Name
• Professional Description
• From Date
• To Date
User can edit, view or delete already added details.
Click Add to capture the new self-employment or professional
details. The Self Employed/ Professional Details pop-up appears.
Professional Name Specify the professional name.
Professional Description Displays the professional description.
Company /Firm Name Specify the company or firm name.
Registration Number Specify the registration number.
Start Date Specify or select the start date of company.
End Date Specify or select the end date of company.
Professional Email ID Specify the professional email ID.
Financial Details In this section you can add financial details.

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Table 2-10 (Cont.) Financial Details: Individual – Field Description

Field Description
Monthly Income Specify the amount for any of the applicable monthly expenses in
the below fields.
• Salary
• Agriculture
• Business
• Investment Income
• Interest Amount
• Pension
• Bonus
• Rentals
• Cash Gifts
• Other Income
Total gets calculated automatically.
The fields appears in this sections are based on the configuration.
Monthly Expenses Specify the amount for any of the applicable monthly expenses in
the below fields.
• Household
• Medical
• Education
• Vehicle
• Fuel
• Rentals
• Other Expenses
• Loan Payments
• Utility Payments
• Insurance Payments
• Credit Card Payments
Total gets calculated automatically.
The fields appears in this sections are based on the configuration.
Net Income System automatically displays the total income over expenses.
Liabilities Specify the amount for any of the applicable liabilities in the below
fields.
• Property Loan
• Vehicle Loans
• Personal Loans
• Credit Card outstanding
• Overdrafts
• Other Liability
• Home Loan
• Education Loan
Total gets calculated automatically.
The fields appears in this sections are based on the configuration.

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Table 2-10 (Cont.) Financial Details: Individual – Field Description

Field Description
Asset Specify the amount for any of the applicable asset type in the below
fields.
• House
• Deposit
• Vehicle
• Other
Total gets calculated automatically.
The fields appears in this sections are based on the configuration.

3. Click Next. The system validates the date specified in Last Update On with Financial
Details Validity Period and, if date specified in Last Update On exceeds the date
specified in Financial Details Validity Period at Business Product Preferences
configurations, the system displays the error message. Click Yes to proceed with the next
data segment. Click No to edit financial details and proceed..

2.1.6 Card Preference

This topic provides the systematic instructions to capture the card related information for the
customer.
Card Preference data segment is used to capture the card related information for the
customer.
To capture card preferences:
1. Click Next previous data segment to proceed with the next data segment, after
successfully capturing the data.
The Card Preference screen displays.

Figure 2-8 Card Preference

2. Specify the fields on Card Preference screen.

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Note:
The fields, which mentioned as Required, are mandatory.

For more information on fields, refer to the field description table.

Table 2-11 Card Preference – Field Description

Field Description
Business Product Name Displays the name of business product.
Product Image Displays the product image which is uploaded while creating a
product.
Applicant Name Displays the name of the applicant.
Affinity Program Displays the affinity program.
Card Limit Displays the card limit.
Addon Card Allowed Displays whether the addon card is allowed.
Card Type Specify the card type which you prefer.
The available options are:
• Master Card
• Visa Card
NFC Specify to enable Near Field Communication (NFC) facility.
Number of add on cards Specify the number of cards required.
Embossed Name Specify the name to be embossed on the card.
Picture Card Select the toggle to enable the picture card.
Image on Picture Card Select the image file from the drive and click Upload to add
the image to card.
Statement Generation Select the date when the statement should be generated.
Date
Statement Type Select the type of statement.
Available options are:
• Detailed
• Summary
Statement Delivery Specify the statement delivery type such as Email or Physical
Type
Card Transactions Limit In this section you can capture card transaction limit details.
Click add icon to add the transaction limits.
Limit Type Select the limit type.
Available options are:
• ATM Limit
• POS Limit
• International Limit
• Internet Limit
Maximum Limit Specify the maximum limit allowed.
Daily Limit Specify the daily limit allowed.

3. Click Next to navigate to the next data segment, after successfully capturing the
data. The system validates for all mandatory data segments and data fields. If
mandatory details are not provided, the system displays an error message for the

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user to take an action. The User cannot to proceed to the next data segment, without
capturing the mandatory data.

2.1.7 Add-On Card Holder

This topic provides the systematic instructions to capture any number of add-on card holder
details for the given application.
This data segment enables the user to capture any number of add-on card holder details for
the given application. The user can add it.
To add card holder details:
1. Click Next in Card Preference screen to proceed with the next data segment, after
successfully capturing the data.
The Add-On Card Holder screen displays.
2. Click + Add Card Holder to add the details of the Add-on Applicants.

Figure 2-9 Add-On Card Holder

3. Specify the fields on Add Card Holder screen.

Note:
The fields, which mentioned as Required, are mandatory.

For more information on fields, refer to the field description table.

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Table 2-12 Add-On Card Holder – Field Description

Field Description
Applicant Name Displays the name of the Add-on applicant.
Date of Birth Displays the date of birth of the Add-on applicant.
E-mail Displays the e-mail ID of the Add-on applicant.
Mobile Displays the mobile number of the Add-on applicant.
Phone Displays the phone number of the Add-on applicant.
Existing Customer Select to indicate if customer is existing customer or not.
CIF Number Search and select the CIF number.
This field appears only if Existing Customer is selected.
Relationship with Select the relationship with customer from the drop-down list.
Applicant • Father
• Mother
• Friend
• Spouse
• Brother
Title Select the Title.
First Name Specify the first name.
Middle Name Specify the middle name.
Last Name Specify the last name.
Date of Birth Select the date of birth.
Politically Exposed Specify whether the add-on card holder is politically exposed
Person (PEP) person.
Address In this section user can capture the address details of an add-
on card holder.
For more information on address detail field, refer Customer
Information – Individual - Field Descriptionsection above.
ID details In this section user can capture the ID details of an add-on
card holder.
For more information on ID detail field, refer Customer
Information – Individual - Field Descriptionsection above.
Card Preference In this section user can capture the card preference details for
an add-on card holder.
Embossed Name Specify the name embossed on the card.
Limit Amount Displays the maximum card limit allowed along with the
currency..
Image on Picture Card Select the image file from the drive and click Upload to add
the image to card.

4. Click Next to navigate to the next data segment, after successfully capturing the
data. The system validates for all mandatory data segments and data fields. If
mandatory details are not provided, the system displays an error message for the
user to take an action. The User cannot to proceed to the next data segment,
without capturing the mandatory data.

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2.1.8 Charge Details

This topic provides the systematic instructions to view the details of the charges applicable
for the account.
The Charge Details data segment will enable the user to view the charges applicable / levied
for this credit card application. These charge details are fetched from the Host (APIs – Pull).
To add charge details:
1. Click Next in the previous data segment to proceed with the next data segment, after
successfully capturing the data.
The Charge Details screen displays.

Figure 2-10 Charge Details

2. Specify the fields on Charge Details screen.

Note:
The fields, which mentioned as Required, are mandatory.

For more information on fields, refer to the field description table.

Table 2-13 Charge Details - Field Description

Field Description
Charge Types Displays the charge types.
Amount Displays the charge amount.
Rate Displays the rate for the charge component.

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Table 2-13 (Cont.) Charge Details - Field Description

Field Description
Waive Select the toggle to waive all charges or selectively waive a
particular type of charge. For example – Late Fee charges or
Annual Charges.

3. Click Next to navigate to the next data segment, after successfully capturing the
data. The system validates for all mandatory data segments and data fields. If
mandatory details are not provided, the system displays an error message for the
user to take an action. The User cannot to proceed to the next data segment,
without capturing the mandatory data.

2.1.9 Interest Details

This topic provides the systematic instructions to view the interest rates and margin
(%) applicable / levied for this credit card application.
Interest Details data segment will enable the user to view the interest rates and margin
(%) applicable / levied for this credit card application.
To add interest details:
1. Click Next in the previous data segment to proceed with the next data segment,
after successfully capturing the data.
The Interest Details screen displays.

Figure 2-11 Interest Details

2. Specify the fields on Interest Details screen.

Note:
The fields, which mentioned as Required, are mandatory.

For more information on fields, refer to the field description table.

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Table 2-14 Interest Rates – Field Description

Field Description
Interest Rate In this section interest rate is fetched from host back end product to
which this credit card account is mapped via the Business Product
configuration.
Interest Rate (In %) Specify the interest rate in percentage. By default it is fetched from
host back end product to which this credit card account is mapped
via the Business Product configuration.
Margin (in %) Specify the customer margin in percentage.
Effective Rate (In %) Displays the effective rate for the loan calculated in below formula
Effective Rate =Interest Rate + or – Margin.

3. Click Next to navigate to the next data segment, after successfully capturing the data.
The system validates for all mandatory data segments and data fields. If mandatory
details are not provided, the system displays an error message for the user to take an
action. The User cannot to proceed to the next data segment, without capturing the
mandatory data.

2.1.10 Summary
This topic provides the systematic instruction to view the tiles for all the data segments in the
Credit Card Application Entry Process.
The system will display the summary of each of the data segmentsin as many tiles as the
number of data segments in the given stage.
1. Click Next in the previous data segment to proceed with the next data segment, after
successfully capturing the data.
The Summary - Credit Card Application Entry screen displays.

Figure 2-12 Summary

Each of these summary tiles are clickable and the user will have the option to view all the
details captured under the given data segment.

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For more information on fields, refer to the field description table.

Table 2-15 Summary – Field Description

Field Description
Customer Information Displays the Customer information.
Relationships Displays the relationships details.
Customer Consents Displays the customer consents and preferences details.
and Preferences
Credit Card Details Displays the credit card details.
Financial Details Displays the Financial details.
Card Preference Displays the card preference information.
Add-On Card Holder Displays the Add-On Card Holder details.
Charge Details Displays the charge details.
Interest Details Displays the interest details.

2. Click Submit to reach the OUTCOME, where the overrides, checklist and
documents for this stage are verified. The Overrides screen is displayed.
3. In the Override screen, the message appears in case there is any override.
Overrides are basically warnings that are raised during the business validations.
User has to accept the overrides to proceed further. Alternatively, user can go
back and correct the data to ensure overrides do not arise. In case of override,
click Accept Overrides& Proceed to proceed.
OR
Click Proceed. The Checklist screen appears.
4. In the Checklist screen the system displays the error message if document
checklist is not verified. Click Proceed Next to proceed. The Outcome screen
appears.
5. In the Outcome screen, select appropriate option from the Select to Proceed
field.
• Select the Proceed to proceed with the application. By default this option is
selected.
• Select the Reject by Bank to reject the submission of this application.
6. Click Submit to submit the Application Entry stage. The confirmation screen
appears with the submission status, the Application Reference Number and the
Process Application Reference Number.
7. Click Close to close the window.
OR
Click Go to Free Task. The system successfully moves the Application Reference
Number along with the process reference numbers [Credit Card Account] to the
Credit Card Application Underwriting stage. This application will be available in the
FREE TASKS list. The user who has the access rights will be able to acquire and
proceed with the next processing stage of the application.
Application De-Dupe:
Based on the configuration available at the Bank level / Properties Table, the Dedupe
service call can be enabled or disabled for the product Origination.

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If application dedupe service is enabled, System will check that any application is in progress
for same product and customer combination. On Submit, if any duplicate application exists,
override will show a message with other in progress application numbers. User can select the
override check box and proceed or take appropriate action.

Note:

• If an application is returned to the Application Entry-stage from any other

subsequent stages, Oracle Banking Origination will not allow amending details
in the Customer Information and Financial Details data segment, once a
customer onboarding process has been triggered in the Application Entry Stage
and CIF creation is still in progress.
• In case the party amendment request is rejected by Oracle Banking Party, the
specified error message is shown to the user while submitting the Application
Entry stage. The user has an option to go back and resolve the error or proceed
with the stage submission by disregarding the amendment request.

2.2 Credit Card Application Assessment

This topic describes the information on the various data segments to update the required
data and assess the application in the Credit Card Application Assessment stage.
After the application entry and underwriting data segment details are captured and verified,
the application is sent for assessment. The Credit Card Assessment stage of the Credit Card
account open process workflow will enable the Bank to analyze the details that have been
captured in the Credit Card Application Entry / Credit Card Underwriting stages and decide
whether the application met the acceptance criteria as specified by the Bank or Credit
Bureau.
Oracle Banking Origination is now integrated with Decision Service to fetch the assessment
details and system recommendation for the given applicant(s) based on the details captured
in the previous stages.
To acquire the Credit Card Assessment Stage:
1. Scan the records that appears in the Free Task list.
2. Click Acquire and Edit or Acquire from the Action column of the appropriate record.
The Application Assessment stage is displayed.
The data segments appears as configured in business process. Refer below chapters for
detailed information of each data segment.
• Credit Rating Details
This topic provides the systematic instructions to view the information on the External
Rating Agencies Rating / Scores for the Applicant.
• Assessment Details
This topic provides the systematic instructions to view the total weightage score for the
Applicant in the Credit Card application.
• Qualitative Scorecard
This topic provides the systematic instructions to capture the relevant evaluation details
for each applicant based on the configured Questionnaire Code.

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• Add-On Card Holder

This topic provides the systematic instructions to capture any number of add-on
card holder details for the given application.
• Summary
This topic provides the systematic instructions to view the tiles for all the data
segments in the Credit Card Assessment stage.

2.2.1 Credit Rating Details

This topic provides the systematic instructions to view the information on the External
Rating Agencies Rating / Scores for the Applicant.
Credit Rating Details is the first data segment of Credit Card Assessment stage. The
user can acquire the application from Free Tasks list. This data segment will provide
the information on the External Rating Agencies Rating / Scores for the Credit Card
Applicant. The interface with external rating agencies will be provided.
Oracle Banking Origination is now integrated with Bureau Integration Service to fetch
the details of the Rating for the given applicant(s).
To view the credit rating details:
1. On acquiring the Assessment task, the Credit Rating Details data segment
appears.
The Credit Rating Details screen displays.

Figure 2-13 Credit Rating Details

2. Specify the fields on Credit Rating Details screen.

Note:
The fields, which mentioned as Required, are mandatory.

For more information on fields, refer to the field description table.

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Table 2-16 Credit Rating Details – Field Description

Field Description
Customer Name Displays the customer name.
Agency Name Displays the configured agency.
Ratings Displays the ratings.
The system populates the credit rating score from the Bureau
Integration Service.
Remarks Specify the remarks.

3. Click View More to view the additional Credit Bureau details.

The Additional Credit Bureau Details screen displays.

Figure 2-14 Additional Credit Bureau Details

For more information on fields, refer to the field description table.

Table 2-17 Additional Credit Bureau Details – Field Description

Field Description
Institution Name Displays the institution name.
Account Number Displays the account number of the applicant.
Account Type Displays the account type.
Loan Amount Displays the loan amount.
Outstanding Balance Displays the outstanding balance.
Account Opening Date Displays the account opening date.
Installment Amount Displays the installment amount.
Delinquency Bucket Displays the delinquency bucket.
Delinquency Amount Displays the delinquency amount.

Note:
Oracle Banking Origination has been integrated with Bureau Integration Service
which will make a call to the Credit Bureau to get Credit Rating Score and
additional details.

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4. Click View Bureau Report to view and download the bureau report from the
external agency.
5. Click Next to navigate to the next data segment, after successfully capturing the
data. The system validates for all mandatory data segments and data fields. If
mandatory details are not provided, the system displays an error message for the
user to take an action. The User cannot to proceed to the next data segment,
without capturing the mandatory data.

2.2.2 Assessment Details

This topic provides the systematic instructions to view the total weightage score for the
Applicant in the Credit Card application.
The Assessment Details is the first data segment of Credit Card Assessment stage.
The user can acquire the application from FREE TASK. The Assessment Details
screen enables the user to understand the evaluation and provide the system
recommendation based on the following parameters.
• Validation Model
• Borrowing Capacity
• Qualitative Score
• Quantitative Score
• Decision and Grade
• Pricing
To view assessment details:
1. Click Next in previous data segment to proceed with the next data segment, after
successfully capturing the data.
The Assessment Details – Validation Model screen displays.

Figure 2-15 Assessment Details – Validation Model

2. Click Borrowing Capacity tab under Assessment Details screen to view the
borrowing capacity of the applicant.
The Assessment Details – Borrowing Capacity screen displays.

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Figure 2-16 Assessment Details – Borrowing Capacity

3. Click Qualitative Score tab under Assessment Details screen to view the qualitative
score for the applicant.
The Assessment Details – Qualitative Score – Graph View screen displays.

Figure 2-17 Assessment Details – Qualitative Score – Graph View

4. Click Data View tab under Qualitative Score screen to view the qualitative scoring data
of the applicant.
The Assessment Details – Qualitative Score – Data View screen displays.

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Figure 2-18 Assessment Details – Qualitative Score – Data View

Note:
For multi borrower applications, the user can view the Qualitative details
of individual borrowers by clicking on each borrower’s name.

5. Click Quantitative Score tab under Assessment Details screen to view the
quantitative score for the application.
The Assessment Details – Quantitative Score – Graph View screen displays.

Figure 2-19 Assessment Details – Quantitative Score – Graph View

6. Click Data View tab under Quantitative Score screen to view the quantitative
scoring data of the applicant.

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The Assessment Details – Quantitative Score – Data View screen displays.

Figure 2-20 Assessment Details – Quantitative Score – Data View

Note:
For multi borrower applications, the user can view the Quantitative details of
individual borrowers by clicking on each borrower’s name.

7. Click Decision & Grade tab under Assessment Details screen to view the decision and
grade for the application.
The Assessment Details – Decision and Grade screen displays.

Figure 2-21 Assessment Details – Decision & Grade

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8. Click Pricing tab under Assessment Details screen to view the pricing for the
application.
The Assessment Details – Pricing screen displays.

Figure 2-22 Assessment Details – Pricing

For more information on fields, refer to the field description table.

Table 2-18 Assessment Details – Field Description

Field Description
Requested Amount Specify the requested overdraft amount.
Tenure Displays the tenure.
Base Rate Displays the interest rate without including margin/variance.
Displays the rate type.

Margin Displays the customer margin in percentage.

This field displays if the Rate Type is selected as Floating.
Variance Displays the variance in percentage.
This field displays if the Rate Type is selected as Fixed.
Total Weightage Score Displays the total weightage score.
Approved Amount .Displays the approved loan amount.
If the System Recommendation is Approved.
This field appears blank if the System Recommendation is
Manual and Rejected.
Proposed Margin Displays the margin proposed by Decision service in
percentage.
This field displays if the Rate Type is selected as Floating.
Proposed Variance Displays the variance proposed by Decision service in
percentage.
This field displays if the Rate Type is selected as Fixed

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Table 2-18 (Cont.) Assessment Details – Field Description

Field Description
Effective Rate Displays the effective rate of interest.
System Displays the system recommendations.
Recommendation The available options are:
• Approved
• Manual
• Rejected
Grade Displays the grade of the applicant.
APR Displays the annual percentage rate value
Validation Model Displays the field details related to Validation Model.
Validation Model Code Displays the validation model code configured for the product.
Description Displays the description of the configured validation model.
Status Displays the overall status of the validation model.
Rule ID Displays the Rule ID configured in the validation model.
Sequence Displays the sequence of the configured rules.
Status Displays the status of the configured rule.
Borrowing Capacity Displays the field details related to Borrowing Capacity.
Eligibility Code Displays the unique eligibility code configured for the product.
Eligibility Description Displays the description of the configured eligibility.
Requested Amount Displays the requested card limit.
If the calculated Borrowing Capacity is more than the
Requested Amount, then Approved Amount is stamped to
Requested Amount.
Borrowing Capacity Displays the calculated borrowing capacity of the applicant.
Fact Displays the fact configured in the eligibility code.
Rule ID Displays the rule configured in the eligibility code.
Qualitative Score Displays the field details related to Qualitative Score.
Scoring Model Code Displays the scoring model code configured for the product.
Description Displays the description of the scoring model.
Weightage Score Displays the overall weightage score for the applicant(s).
The weightage score also displays in the respective applicant's
tab in case of the multiple applicants.
Qualitative Score - Displays the scoring details related to Qualitative Score.
Scoring Details
Question Code Displays the question code configured for Qualitative Scoring
Model.
Question Displays the question configured in question code.
Value Displays the answers provided by the applicant.
Score Displays the calculated score based on the answers.
Quantitative Score Displays the field details related to Quantitative Score.
Scoring Model Code Displays the scoring model code configured for the product.
Description Displays the description of the scoring model.
Weightage Score Displays the overall weightage score for the applicant(s).
The weightage score also displays in the respective applicant’s
tab in case of the multiple applicants.

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Table 2-18 (Cont.) Assessment Details – Field Description

Field Description
Quantitative Score - Displays the scoring details related to Quantitative Score.
Scoring Details
Feature Displays the feature configured in the Quantitative Scoring
Model.
Value Displays the value of the application for the configured feature.
Range Type Displays the range type configured in the Quantitative Scoring
Model.
Range Displays the range for the value of the application.
Weightage % Displays the weightage percentage configured for the feature.
Score Displays the score configured for the range.
Weightage Score Displays the calculated weightage for each feature.
Decision and Grade Displays the field details related to Decision and Grade.
Model Code Displays the model code configured for the product.
Model Description Displays the description of the model code.
Decision Displays the recommended decision for the application.
Grade Displays the recommended grade for the application
Decision and Grade – Displays the field details related to Decision.
Decision
Quantitative Score Displays the overall quantitative score of the application.
Quantitative Score Displays the range for the quantitative score.
Range
Decision Displays the decision configured for the quantitative score.
Decision and Grade – Displays the field details related to Grade.
Grade
Quantitative Score Displays the overall quantitative score of the application.
Quantitative Score Displays the range for the quantitative score.
Range
Grade Displays the grade configured for the quantitative score.
Pricing Displays the field details related to Pricing.
Pricing Model Code Displays the pricing model code configured for the product.
Model Description Displays the description of the pricing model code.
Rate Type Displays the rate type.
Rate Percentage Displays the rate percentage.
Loan Amount Displays the loan amount.
Loan Tenure Displays the loan tenure.
Loan Amount Range Displays the range for the loan amount.
Loan Tenure Range Displays the range for the loan tenure.
Rate % Displays the rate of interest configured for the range.

Note:
Based on the range of qualitative and quantitative scores, the system
provides a suggestive recommendation and the overdraft amount which
can be sanctioned.

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9. Click Next to navigate to the next data segment, after successfully capturing the data.
The system validates for all mandatory data segments and data fields. If mandatory
details are not provided, the system displays an error message for the user to take an
action. The user cannot proceed to the next data segment, without capturing the
mandatory data.

2.2.3 Qualitative Scorecard

This topic provides the systematic instructions to capture the relevant evaluation details for
each applicant based on the configured Questionnaire Code.
Qualitative Scorecard is the next data segment of Credit Card Assessment stage. This
segment enables the user to capture the relevant evaluation details for each applicant based
on the configured Questionnaire Code. The Questionnaire Code is configured to the Credit
Card Business Product.
Oracle Banking Origination is now integrated with Decision Service to fetch the Qualitative
Score for the given applicant(s) based on the Question and Answers provided.
To capture the qualitative scorecard details:
1. Click Next in the previous data segment to proceed with the next data segment, after
successfully capturing the data.
The Qualitative Scorecard screen displays.

Figure 2-23 Qualitative Scorecard

2. Specify the fields on Qualitative Scorecard screen.

For more information on fields, refer to the field description table.

Table 2-19 Qualitative Scorecard – Field Description

Field Description
Applicant Name Displays the name of the applicant.
Questionnaire Code Displays the Questionnaire code.
Questionnaire Description Displays the description of the Questionnaire code.
Question Displays the question configured for the Questionnaire code.

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Table 2-19 (Cont.) Qualitative Scorecard – Field Description

Field Description
Answer Select the answer from the drop-down values available. The
answers are populated based on the Answers configured in the
Questionnaire code.

3. Click Next to navigate to the next data segment, after successfully capturing the
data. The system validates for all mandatory data segments and data fields. If
mandatory details are not provided, the system displays an error message for the
user to take an action. The user cannot proceed to the next data segment, without
capturing the mandatory data.

2.2.4 Add-On Card Holder

This topic provides the systematic instructions to capture any number of add-on card
holder details for the given application.
This data segment enables the user to capture any number of add-on card holder
details for the given application. The user can add it.
To add card holder details:
1. Click Next in Card Preference screen to proceed with the next data segment,
after successfully capturing the data.
The Add-On Card Holder screen displays.
2. Click + Add Card Holder to add the details of the Add-on Applicants.

Figure 2-24 Add-On Card Holder

3. Specify the fields on Add Card Holder screen.

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Note:
The fields, which mentioned as Required, are mandatory.

For more information on fields, refer to the field description table.

Table 2-20 Add-On Card Holder – Field Description

Field Description
Applicant Name Displays the name of the Add-on applicant.
Date of Birth Displays the date of birth of the Add-on applicant.
E-mail Displays the e-mail ID of the Add-on applicant.
Mobile Displays the mobile number of the Add-on applicant.
Phone Displays the phone number of the Add-on applicant.
Existing Customer Select to indicate if customer is existing customer or not.
CIF Number Search and select the CIF number.
This field appears only if Existing Customer is selected.
Relationship with Select the relationship with customer from the drop-down list.
Applicant • Father
• Mother
• Friend
• Spouse
• Brother
Title Select the Title.
First Name Specify the first name.
Middle Name Specify the middle name.
Last Name Specify the last name.
Date of Birth Select the date of birth.
Politically Exposed Specify whether the add-on card holder is politically exposed
Person (PEP) person.
Address In this section user can capture the address details of an add-on
card holder.
For more information on address detail field, refer Customer
Information – Individual - Field Descriptionsection above.
ID details In this section user can capture the ID details of an add-on card
holder.
For more information on ID detail field, refer Customer Information
– Individual - Field Descriptionsection above.
Card Preference In this section user can capture the card preference details for an
add-on card holder.
Embossed Name Specify the name embossed on the card.
Limit Amount Displays the maximum card limit allowed along with the currency..
Image on Picture Card Select the image file from the drive and click Upload to add the
image to card.

4. Click Next to navigate to the next data segment, after successfully capturing the data.
The system validates for all mandatory data segments and data fields. If mandatory
details are not provided, the system displays an error message for the user to take an

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action. The User cannot to proceed to the next data segment, without capturing
the mandatory data.

2.2.5 Summary
This topic provides the systematic instructions to view the tiles for all the data
segments in the Credit Card Assessment stage.
The system will display the summary of each of the data segmentsin as many tiles as
the number of data segments in the given stage.
1. Click Next in Assessment Details screen to proceed with the next data segment,
after successfully capturing the data.
The Summary - Credit Card Assessment screen displays.

Figure 2-25 Summary

Each of these summary tiles are clickable and the user will have the option to view
all the details captured under the given data segment.
For more information on fields, refer to the field description table.

Table 2-21 Summary - Credit Card Assessment – Field Description

Data Segment Description

Credit Rating Details Displays the credit rating details.
Qualitative Scorecard Displays the qualitative scorecard details.
Assessment Details Displays the assessment details.

2. Click Submit to reach the OUTCOME, where the overrides, checklist and
documents for this stage are verified. The Overrides screen is displayed.
3. In the Override screen, the message appears in case there is any override.
Overrides are basically warnings that are raised during the business validations.
User has to accept the overrides to proceed further. Alternatively, user can go
back and correct the data to ensure overrides do not arise. In case of override,
4. Click Accept Overrides& Proceed to proceed.
OR

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Click Proceed. The Checklist screen appears.

5. In the Checklist screen the system displays the error message if document checklist is
not verified. Click Proceed Next to proceed. The Outcome screen appears.
6. In the Outcome screen, select appropriate option from the Select to Proceed field.
• Select the Proceed to proceed with the application. By default this option is selected.
• Select the Return to Application Entry Stage to make application entry stage
available in free task for edit.
• Select the Reject by Bank to reject the submission of this application.
7. Click Submit to submit the Application Entry stage. The confirmation screen appears with
the submission status, the Application Reference Number and the Process Application
Reference Number.
8. Click Close to close the window.
OR
Click Go to Free Task. The system successfully moves the Application Reference
Number along with the process reference numbers [Credit Card Account] to the Credit
Card Application Underwriting stage. This application will be available in the FREE
TASKS list. The user who has the access rights will be able to acquire and proceed with
the next processing stage of the application.
Auto Approved Credit Card application will be moved to Supervisor Approval stage, if
configured, else will be straight away passed on to the host application to open the Credit
Card Account
Auto Rejected – Such applications get rejected and will result in termination of the process.
The rejected applications can also be routed to the relevant previous stages and do the
Assessment all over again to consider the application.
The system successfully moves the Application Reference Number along with the process
reference numbers [Credit Card Account] to the Supervisor Approval stage. This application
will be available in the FREE TASK list. The user who has the access rights will be able to
acquire and proceed with the next processing stage of the application.

2.3 Supervisor Approval Stage

This topic describes the information on the various data segments to view the captured
details and approve the application in the Supervisor Approval stage
In this stage user can approve the assessment details of an applicant to proceed with the
credit card account opening flow. The data segments appears as configured in business
process. The user can view the captured data of below mentioned data segment, for detailed
information, refer Application Entry stage:
• Customer Information
• Financial Details
• Add-on Card Holder
• Card Preferences
For the editable data segment refer below chapters.
To acquire the Supervisor Approval stage:

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1. Scan the records that appears in the Free Task list.

2. Click Acquire and Edit or Acquire from the Action column of the appropriate
record. The Supervisor Approval stage is displayed.
• Assessment Summary
This topic provides the systematic instructions to view the assessment summary of
the Credit Card application.
• Approval Details
This topic provides the systematic instructions to view and approve the application.
• Summary
This topic provides the systematic instructions to view the summary of each of the
data segmentsin as many tiles as the number of data segments in the given stage.

2.3.1 Assessment Summary

This topic provides the systematic instructions to view the assessment summary of the
Credit Card application.
Assessment Summary is the first and read-only data segment of Supervisor Approval
stage. The user can acquire the application from FREE TASK.
To view the assessment summary:
1. On acquiring the Supervisor task, the Assessment Summary data segment
appears.
The Assessment Summary screen displays.

Figure 2-26 Assessment Summary

2. Specify the fields on Assessment Summary screen.

Note:
The fields, which mentioned as Required, are mandatory.

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For more information on fields, refer to the field description table.

Table 2-22 Assessment Summary – Field Description

Field Description
Requested Amount Displays the requested overdraft amount.
Tenure Displays the tenure.
Base Rate Displays the interest rate without including margin / variance.
Rate of Interest Displays the rate of interest.
Click

to view the rate type.

Margin Displays the approved margin.
This field displays if the Rate Type is selected as Floating.
Variance Displays the approved variance.
This field displays if the Rate Type is selected as Fixed.
Total Weightage Score Displays the total weightage score.
Approved Amount Displays the final approved loan amount.
Proposed Margin Displays the proposed margin from Decision Service.
This field displays if the Rate Type is selected as Floating.
Proposed Variance Displays the proposed variance from Decision Service.
This field displays if the Rate Type is selected as Fixed.
Effective Rate Displays the effective rate of interest.
System Recommendation Displays the system recommendations.
Grade Displays the grade of the applicant.
Manual Decision Displays the manual decision.

3. Click Next to navigate to the next data segment, after successfully capturing the data.
The system validates for all mandatory data segments and data fields. If mandatory
details are not provided, the system displays an error message for the user to take an
action. The User cannot to proceed to the next data segment, without capturing the
mandatory data.

2.3.2 Approval Details

This topic provides the systematic instructions to view and approve the application.
Approval Details is the first data segment of Supervisor Approval stage. The user can acquire
the application from FREE TASK.
1. Click Next in Assessment Summary screen to proceed with the next data segment,
after successfully capturing the data.
The Approval Details screen displays.

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Figure 2-27 Approval Details

2. Specify the fields on Approval Details screen.

Note:
The fields, which mentioned as Required, are mandatory.

For more information on fields, refer to the field description table.

Table 2-23 Approval Details - Field Description

Field Description
Card Type Displays the card type.
Product Code Displays the product code selected for this credit card account.
Product Name Displays the product name selected for this credit card
account.
Limit Currency Displays the limit currency.
Approved Card Limit Displays the final credit limit.
User Recommendation Select the user recommendation.
Available options are:
• Approved
• Rejected
User Action Displays the user action based on user recommendation.

3. Click Next to navigate to the next data segment, after successfully capturing the
data. The system validates for all mandatory data segments and data fields. If
mandatory details are not provided, the system displays an error message for the
user to take an action. The User cannot to proceed to the next data segment,
without capturing the mandatory data.

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2.3.3 Summary
This topic provides the systematic instructions to view the summary of each of the data
segmentsin as many tiles as the number of data segments in the given stage.
The system will display the summary of each of the data segmentsin as many tiles as the
number of data segments in the given stage.
1. Click Next in Approval Details screen to proceed with the next data segment, after
successfully capturing the data.
The Summary - Supervisor Approval screen displays.

Figure 2-28 Summary

Each of these summary tiles are clickable and the user will have the option to view all the
details captured under the given data segment.
For more information on fields, refer to the field description table.

Table 2-24 Summary - Supervisor Approval - Field Description

Data Segment Description

Customer Information Displays the customer information.
Financial Details Displays the financial details.
Add-On Card Holder Displays the Add-On Card Holder details.
Card Preference Displays the Card Preference details.
Assessment Summary Displays the assessment summary details.
Approval Details Displays the approval details.

2. Click Submit to reach the OUTCOME, where the overrides, checklist and the documents
for this stage can be validated or verified.
3. In the Override screen, the message appears in case there is any override. Overrides
are basically warnings that are raised during the business validations. User has to accept

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the overrides to proceed further. Alternatively, user can go back and correct the
data to ensure overrides do not arise. In case of override, click Accept
Overrides& Proceed to proceed.
OR
Click Proceed. The Checklist screen appears.
4. In the Checklist screen the system displays the error message if document
checklist is not verified. Click Proceed Next to proceed. The Outcome screen
appears.
5. In the Outcome screen, select appropriate option from the Select to Proceed
field.
• Select the Proceed to proceed with the application. By default this option is
selected. It will logically complete the Supervisor Approval stage for the Credit
Card Application. The Workflow Orchestrator will automatically move this
application to the next processing stage, Account Creation. The stage
movement is driven by the business configuration for a given combination of
Process Code, Life Cycle and Business Product Code.
• Select the Reject by Bank to reject the submission of this application.
6. Enter the remarks in Remarks.
7. Click Submit to submit the Application Entry stage. The confirmation screen
appears with the submission status, the Application Reference Number and the
Process Application Reference Number.
8. Click Close to close the window.
OR
Click Go to Free Task.
The following notification that are sent to the user, if application is initiated from
assisted channel, and to the Oracle Banking Digital Experience customer, if
application is initiated from self-service.
Reject by Bank will terminate the application and no further action will be allowed
on this reference number.
After the Host creates the Credit Card Account successfully, the response is sent
back to the Oracle Banking Origination with the Credit Card Account Number. The
details of all the applications which have logically completed all their stage
movements, (Rejected / Account Created) will be made available in Completed
tasks for query purpose only.
Refer to Alerts and Dashboard User Guide for the Dashboard details.

2.4 Global Actions

This topic provides the detailed on the actions that can be performed in all stages.
This section appears are the top of the right pane and is applicable for all the account
opening stage. You can add, edit, view or delete the information from the respective
section.
Below are the list of global actions:
• Icon
You view the application number along with its product name.

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• Customer 360
You can view the customer details such as Name, CIF number and indication whether it
is an existing customer.
• Application Information
You can view the application information in this section.
• Remarks
You can view the remarks.
• Documents
You can upload and view the documents that are uploaded.>
• Advices
You can view the advices that are shared with customer. Advices are generated post
Application Entry stage is submitted.
• Condition and Convenants
You capture conditions and convenants details for the loan applications.
• Solicitor Details
You can add the solicitor details using this section.
• Clarification Details
You raise the clarifications using this section.

2.4.1 Icon
You view the application number along with its product name.

• Click it to view the Application Number and the Business Product detail.
The Icon screen is displayed.

Figure 2-29 Icon

2.4.2 Customer 360

You can view the customer details such as Name, CIF number and indication whether it is an
existing customer.
1. Click it to select the Customer ID of existing customer, and then view the Mini Customer
360.
The Customer 360 screen is displayed.

Figure 2-30 Customer 360

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2. The screen shows the list of Customer IDs in case of Joint Accounts. Select the
specific Customer ID to view their Mini Customer 360. The CIF Numbers are
populated in the Customer 360 screen only post the CIF number has been keyed
in the Customer Information data segment.

2.4.3 Application Information

You can view the application information in this section.
1. Click Application Info to view the application information.
The Application Information screen is displayed.

Figure 2-31 Application Information

2. Click

icon to launch the Data Points pop-up screen.

The Data Points pop-up is displayed.

Figure 2-32 Data Points

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The Application Information screen displays separate cards for various products
initiated as part of the application. For more information on fields, refer to the field
description table below.

Table 2-25 Application Information – Field Description

Field Description
Application Date Displays the application date.
Phone Displays the phone number.
E-mail Displays the E-mail ID.
Source By Displays the name of the user who has sourced the application.
Channel Displays the channel name.
Priority Displays the priority of the application.
• High
• Medium
• Low
Application Number Displays the application number
Total time spent Displays the time spent for the product process since initiation of the
application.
User ID Assigned Displays the User ID of the user currently working on the product
process.
NOTE: This is blank, in case the product process task is not
acquired by any user.
Time spent Displays the days spent in the current phase/stage.
Expected Account Displays the expected date when the account will be created.
Opening Date
Displays the information on the features considered to predict the
expected account opening date.

More Info Click More Info hyperlink to view more details about the customer
clarification raised. For more information, refer to Clarification
Details.
Current Stage Displays the stage in which the product process is currently in.
NOTE: If the phase is configured for the product, the current stage
will be displayed as current phase.
Stage Start Date Displays the stage in which the product process is currently in.
NOTE: If the phase is configured for the product, the stage start
date will be displayed as phase start date.
Account Opening Date Displays the account opening date.

Note:
Application Info tab will not be visible in Application Initiation stage.

3. Click

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to close window.

2.4.4 Remarks
You can view the remarks.

• Click Remarks to update any remarks that you want to post for the application that
you are working on.
The Remarks screen is displayed.

Figure 2-33 Remarks

Remarks posted are updated with your User ID, Date, and are available to view in
the next stages for the users working on that application.

2.4.5 Documents
You can upload and view the documents that are uploaded.>
1. Click Documents to upload the documents linked for the stage.
The Documents screen is displayed.

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Global Actions

Figure 2-34 Documents

2. Select the document status to filter the document based on the status. The available
options are All, Open and Deleted.
3. Click

on the Document tile to view, download and delete the document.

4. Click View to view the document.
The View Document is displayed.

Figure 2-35 View Document

5. Click Download to download the document.

6. Click Delete to delete the document.

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Note:
Deleted Documents is displayed as Icon, but the user cannot view the
document.

7. Click

to upload the new document to the application.

The Upload Document screen is displayed.

Figure 2-36 Upload Document

8. Specify the details in the relevant data fields. For more information on fields, refer
to the Upload Document – Field Description.

Table 2-26 Upload Document – Field Description

Field Description
Document Type Select the document type.
Document Code Select the document code.
Document Title Specify the document title.
Document Description Specify the description for the document.
Remarks Specify the remarks for the document.
Document Expiry Date Select the document expiry date.

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Table 2-26 (Cont.) Upload Document – Field Description

Field Description
Drop files here or Click Drag and drop the document or
to select Select the document from the machine.
Upload Click Upload to upload the document.

Note:
Ensure that mandatory documents are uploaded, as the system will validate the
same during the stage submission.
Mandatory documents can only be deleted in the same stage where it is
uploaded.
Non-mandatory documents can be deleted in any stage.

2.4.6 Advices
You can view the advices that are shared with customer. Advices are generated post
Application Entry stage is submitted.

• Click Advices to view the advice linked for the stage.

The Advices screen is displayed.

Figure 2-37 Advices

The system will generate the advice on submission of the stage. For Application Entry
stage of Current Product, no advice is configured.

2.4.7 Condition and Convenants

You capture conditions and convenants details for the loan applications.
In this section you can add, edit and remove the condition and convenant details .
Conditions

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The Conditions are stipulations and constraints recorded in a contract to restrict the
usage of funds, in order to ensure proper utilization of funds for the specified purposes
and to adhere to a stipulated schedule.
To add conditions:
1. From the More option, click the Conditions & Covenants to add or remove the
conditions details.
The Conditions & Covenants page appears.

Figure 2-38 Conditions

2. Click Add to add new conditions.

OR
Click Remove to remove already added conditions.
3. Enter the relevant details.

Table 2-27 Conditions – Field Description

Field Description
Entity Select the entity on which you want to set condition.
The available options are
• Party
• Collateral
Entity ID Select the entity ID from the list. The options in the list appears
based on the entity selected in the Entity field.
Condition Specify the conditions for the selected entity.
Type Select the type when the conditions must be complied.
The available options are
• Pre Disbursement: If you select this option then the
selected conditions have to be complied prior with the
account opening and loan disbursement.
• Post Disbursement: If you select this option then the
selected conditions occur and are supposed to be
complied post loan disbursement. This conditions are
manually monitored.
Status Select the status of the condition.
The available options are
• Open
• Complied

4. Click OK. The conditions are saved.

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Note:
All the fields appears with the selected options in tabular format. You can edit
the details on clicking the added row.

Convenants
Often there are restrictions on borrowers while extending credit facilities. Sometimes, a
borrower promises certain future acts to assure the lender that the conduct of business
dealings is fair, healthy and in accordance with the best practices. The purpose of covenant is
to assist the lender to ensure the health of loan facilities does not deteriorate suddenly or
unexpectedly before maturity.
To add convenants:
5. From the More option, click Conditions & Covenants to add or remove the covenants
details.
The Conditions & Covenants page appears.

Figure 2-39 Convenant

6. Click Add to add new convenants.

OR
Click Remove to remove already added convenants.
7. Enter the relevant details.

Table 2-28 Application Information – Field Description

Field Description
Entity Select the entity on which you want to set convenants.
The available options are
• Party
• Collateral
Entity ID Select the entity ID from the list. The options in the list appears
based on the entity selected in the Entity field.
Convenants Specify the convenants for the selected entity.
Type Select the type when the convenants must be complied.
The available options are
• Financial
• Reporting
• Undertaking

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Table 2-28 (Cont.) Application Information – Field Description

Field Description
Status Select the status of the convenants.
The available options are
• Open
• Complied

8. Click OK. The covenants are saved.

Note:
All the fields appears with the selected options in tabular format. You can
edit the details on clicking the added row.

2.4.8 Solicitor Details

You can add the solicitor details using this section.
A solicitor is a legal practitioner who traditionally deals with most of the legal matters in
some jurisdictions. A person must have legally-defined qualifications, which vary from
one jurisdiction to another, to be described as a solicitor and enabled to practice there
as such.
In this section you can add or remove the solicitor. You can also view the already
added solicitor.
To add solicitor details:
1. From the More option, click the Solicitor to add or remove or edit the already
added solicitor.
he Solicitor Details page appears.

Figure 2-40 Solicitor

2. Enter the relevant details.

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Table 2-29 Solicitor – Field Description

Field Description
Title Select the title of the solicitor.
First Name Specify the first name of the solicitor.
Middle Name Specify the middle name of the solicitor.
Last Name Specify the last name of the solicitor.
Gender Select the gender of the solicitor from the list.
Date of Birth Select or enter the birth date of the solicitor.
Registration Number Specify the registration number of the solicitor.
Communication Address Capture the communication address of the solicitor.
Address Line 1 Specify the building name.
Address Line 2 Specify the street name.
Address Line 3 Specify the city or town name.
State / Country Sub Specify the state or country sub division.
Division
Country Select and search the country code.
Zip Code / Post Code Specify the zip or post code of the address.

3. Click OK to save the added solicitor.

2.4.9 Clarification Details

You raise the clarifications using this section.
To add the clarification details:
1. Click Clarification Details to raise a new customer clarification request or view the
existing request.
2. Click New Clarification to request new clarification.
The New Clarification screen is displayed.

Figure 2-41 New Clarification

3. Enter the subject and the clarification detail in the New Clarification Pop-up screen. The
system also allows you to upload the document for the Clarification being raised.

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Figure 2-42 Upload Documents

4. Once the details are updated, click Save. Clarification Request once raised moves
the application to ‘Awaiting Customer Clarification’ state. The application continues
to be assigned to the user who had raised the request. All the applications for
which the specified user has requested clarification can be viewed and actioned
from the Awaiting Customer Clarification sub-menu available under Task menu.
Select the Application from the Awaiting Customer Clarification sub-menu
available under the Task menu. Click on the Clarification Details from the
header.
5. Select the specific clarification to take action on it.
Allowed actions are as following:
• Adding New Conversation
• Withdraw Clarification
• Accept Clarification
Once the Clarification is either withdrawn or accepted, the application moves back
to the My Task sub-menu available under Task menu, post which the user can
edit the application and submit the specified stage. Clarification once raised and
actioned are available throughout the application processing by the other users
working on the other stages of the application by clicking on Clarification Details
from the header.

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Error Codes and Messages
This topic contains the error codes and messages.

Table 3-1 Error Codes and Messages

Error Code Messages

RPM-CC-PREF-001 Please provide a valid value for Embossed Name
RPM-CC-PREF-002 Number of Add On Cards is greater than the limit
RPM-CC-PREF-003 Please provide a valid value for Statement Generation Date
RPM-CC-PREF-004 Please provide a valid value for Statement Type
RPM-CC-PREF-005 Please provide value for Maximum Limit or Daily Limit amount
RPM-CC-PREF-006 Maximum Limit amount cannot be greater than Maximum Allowed Limit
RPM-CC-PREF-007 Daily Limit amount cannot be greater than Daily allowed limit
RPM-CC-PREF-008 Duplicate Transaction Limit Types are not allowed
RPM-CC-ADD-001 Same Customer cannot be added multiple times
RPM-CC-ADD-002 Please provide valid value for Title
RPM-CC-ADD-003 Please provide valid value for First Name
RPM-CC-ADD-004 Please provide valid value for Last Name
RPM-CC-ADD-005 Please provide valid value for Date Of Birth
RPM-CC-ADD-006 Please provide valid value for Relationship with Applicant
RPM-CC-ADD-007 Please provide valid value for ID Type
RPM-CC-ADD-008 Please provide valid value for Unique Id Number
RPM-CC-ADD-009 Please provide valid value for Address Type
RPM-CC-ADD-010 Please provide valid value for Building
RPM-CC-ADD-011 Please provide valid value for State
RPM-CC-ADD-012 Please provide valid value for City
RPM-CC-ADD-013 Please provide valid value for Street
RPM-CC-ADD-014 Please provide valid value for Country
RPM-CC-ADD-015 Please provide valid value for Zip Code
RPM-CC-ADD-016 Please provide valid value for Email
RPM-CC-ADD-017 Please provide valid value for MobileIsd
RPM-CC-ADD-018 Please provide valid value for MobileNo
RPM-CC-ADD-019 Please select one Communication Address Type
RPM-CC-ADD-020 Address list can not be null or empty
RPM-CC-CHDT-001 Charges waived
RPM-CC-INDT-001 Effective Rate cannot be negative
RPM-CC-INDT-002 Margin exceeds the tolerance limit allowed (+/-) toleranceMargin for
Interest Type
RPM-CC-INDT-003 Min and Max values are not configured for Interest Type in Product
RPM-CC-INDT-004 Effective Rate should be in between minValue and maxValue for
Interest Type as per Min and Max values in Product

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Table 3-1 (Cont.) Error Codes and Messages

Error Code Messages

RPM-CC-INDT-005 Effective Rate should be same as Interest Rate as Tolerance Margin is
0
RPM-CC-INDT-006 Margin exceeds the tolerance limit allowed (+) tolerance Margin for
Interest Type
RPM-CC-ASST-001 Please provide a valid value for User Recommendation
RPM-CC-ASST-002 Please select a valid dropdown value for User Recommendation
RPM-CC-ASST-003 Please provide a valid value for ApprovedCardLimitCurrency
RPM-CC-ASST-004 Please select a valid dropdown value for ApprovedCardLimitCurrency
RPM-CC-ASST-005 Either Calculated or Overwritten value must be selected to Continue
RPM-CC-ASST-006 Please provide a valid value for ReasonForChange
RPM-CC-ASST-007 Please provide a valid value for RevisedApprovedLimit
RPM-CC-ASST-008 Please provide a valid value for RevisedApprovedLimitCurrency
RPM-CC-ASST-009 Please select a valid dropdown value for
RevisedApprovedLimitCurrency
RPM-CC-ASST-010 RevisedApprovedLimit should not be greater than RequestedCardLimit
RPM-CC-APDS-001 Please provide a valid value for User Recommendation
RPM-CC-APDS-002 Please select a valid dropdown value for User Recommendation
RPM-CC-APDS-003 User Recommendation not found in Approval Details for this Process
Reference number

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Advices
Credit Card Approval

Bank Name

Branch
To,
Date:
Customer Name
Address Line 1
Address Line 2
State
City
Pin code

Sub: Approval of Credit Card Application

Dear Sir/Madam,

We are happy to inform you that your Credit Card Application – <Application Number>
has been approved.
Your card will be processed and delivered at the earliest.

Please feel free to contact us if you need further clarifications.

Yours faithfully,

<Manager Name>
<Bank Name>

Credit Card Rejection

Bank Name

Branch
To,
Date:
Customer Name
Address Line 1
Address Line 2
State
City
Pin code

Sub: Rejection of Credit Card Application

Dear Sir/Madam,

We regret to inform you that your request for a Credit Card Application with
Application Number –
<Application Number> has been declined. The reason for this decision is that you do
not meet the

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required criteria.

Please feel free to contact us if you need further clarifications.

Yours faithfully,

<Manager Name>
<Bank Name>

4-2
Index
A E
Annexure - Advices, 4-1 Error Codes and Messages, 3-1
Assessment Summary, 2-50
G
C
Global Actions, 2-54
Credit Card Application Entry, 2-35
Credit Card Application Entry Stage, 2-2
Credit Card Origination Process, 1-1
S
Customer Information, 2-3 Supervisor Approval Stage, 2-49

Index-1