Complete Your Account

This stage displays the data from the marketplace to be used for the risk level. This data was hard-coded for this solution, however, once the Buy Now, Pay Later accelerator is integrated with the actual e-commerce website, then the accelerator gets this data from the e-commerce database.

Field	Required	Data Type	Description	Displayed for risk level
First Name	Yes	Text	The data here is already displayed, but you can edit your first name. The data here comes from the marketplace.	All risk levels.
Last Name	Yes	Text	The data here is already displayed, but you can edit your surname. The data here comes from the marketplace.	All risk levels.
Date of birth	Yes	Date	The data here is already displayed, but you can edit your date of birth. The data here comes from the marketplace. NOTE The age is checked in this flow FTOS_BNKAP_BNPLConfirmDetails > ConfirmDetails step > Advanced > Before Section Save.	All risk levels.
Password	Yes	Text	Insert a password.	1
Confirm Password	Yes	Text	Repeat the password. They must match for you to continue the flow. NOTE The passwords are matched in this flow FTOS_BNKAP_BNPLConfirmDetails > ConfirmDetails step > Advanced > Before Section Save.	1
Customer PIN	Yes	Text	Insert your Personal Identification Number. The system allows any types of PINs regardless of the issue country.	2
Occupation	Yes	Option set	Select from the drop-down list the job status: employed retired inactive freelancer.	2
Monthly net income	Yes	Money	Insert the amount of money you receive during one month.	2
Soft bureau check	Yes	Bool	Tick the checkbox if you agree to have the system run a soft credit bureau check on you.	3
Credit score interrogation	Yes	Bool	Tick the checkbox if you agree to have the system run a credit score check on you.	3
Billing Address	Yes	Text	The data here is already displayed, but you can edit your address.	All risk levels.

NOTE
The fields here are dynamically displayed, depending on the outcome from the calculations done within the risk level as explained in Data set BNPL_RK_RiskLevel. To display/hide the fields, access the Form driven flow FTOS_BNKAP_BNPLConfirmDetails > ConfirmDetails step > Advanced > After Events. Every user from risk level 2 that passes the eligibility step needs to have available DTI

The Debt-to-Income ratio (DTI) is a personal indicator of a good balance between debt and income detremined by essential expenditure/ income with bank transfers. for this loan.

Click Change to modify your address.

Edit the fields:

Field	Data Type	Description
Address	Text	Edit the full address. The data here comes from the marketplace.
Town City	Text	Edit the city. The data here comes from the marketplace.
Postcode	Text	Edit the postal code. The data here comes from the marketplace.

Click Save if you are done editing or click X to abandon the flow.

NOTE
The email address is checked in this flow FTOS_BNKAP_BNPLConfirmDetails > ConfirmDetails step > Advanced > Before Section Save > the script FTOS_BNPL_VerifySistemUserEmail.

Click Continue after you are done. Several actions are triggered:

calculate the limit
update the customer limit in the core banking system
fetch the newly available limit from the core banking system after the update is done
an email is sent with the account confirmation
create a new system user as configured in FTOS_BNKAP_BNPLConfirmDetails > ConfirmDetails step > Advanced > After Section Save > FTOS_BNPL_CreateSystemUser.

Scoring Done by Bank

If the scoring is done by the bank and it is not calculated after the Proceed to checkout, then this screen displays multiple fields:

Field	Required	Data Type	Description
First Name	Yes	Text	The data here is already displayed, but you can edit your first name. The data here comes from the marketplace.
Last Name	Yes	Text	The data here is already displayed, but you can edit your surname. The data here comes from the marketplace.
Date of birth	Yes	Date	The data here is already displayed, but you can edit your date of birth. The data here comes from the marketplace.
Customer PIN	Yes	Text	Insert your Personal Identification Number. The system allows any types of PINs regardless of the issue country.
Occupation	Yes	Option set	Select from the drop-down list the job status: retired student unemployed full-time employed self-employed management mandate contract housewife.
Monthly net income	Yes	Numeric	Insert the amount of money you receive during one month.
Marital Status	Yes	Option set	Select one from the list: Married Civil Partnership Single Widow Separated.
Employer name	Yes	Text	Insert the name of the company that employs you.
Date of employment	Yes	Date	The date you started working at your current job.
Education	Yes	Option set	Select one from the list: High school University Middle school Elementary school.
Billing Address	Yes	Text	The data here is already displayed, but you can edit your address.

NOTE
The validation on this page are configuring in the from driven flow FTOS_BNKAP_BNPLCompleteAccountScoring > step AccountScoring > Advanced > After Events.

Click Continue. This button triggers the calculation of: