Configuring the Digital Flow Settings
For automation processors such as Computer Vision, Onfido and the email and SMS generation, the configurations were done via JavaScript code with settings and mappings.
| Name |
Description |
Flow Settings | Digital Processor Type |
Source entity name |
|---|---|---|---|---|
| FTOS_DFP_OTP |
It is used to generate the one-time-password. |
MobileLoan | OTP One-Time-Password. It is a password generated by the system to validate a piece of information or sign a document.
|
FTOS_BNKAP_RetailApplicantData |
| OCR_DrivingLicense |
This is the Computer Vision processor to scan the driving license. |
MobileLoan | OCR The employability of technology to recognize scanned documents.
|
FTOS_BNKAP_RetailApplicantData |
| OCR_ID | This is the Computer Vision processor to scan the ID card. | MobileLoan | OCR |
FTOS_BNKAP_RetailApplicantData |
| OCR_Passport | This is the Computer Vision processor to scan the password. | MobileLoan | OCR |
FTOS_BNKAP_RetailApplicantData |
| Onfido |
This is an integration with the provider Onfido. |
MobileLoan | Onfido |
FTOS_BNKAP_RetailApplicantData |
| OTP_EmailAndSms |
This holds the setting for the generation of the email and SMS one-time-password. |
MobileLoan | OTP |
FTOS_BNKAP_RetailApplicantData |
| Sliders_Parameters |
This holds the settings for the sliders parameters for the amount and period. |
MobileLoan | N/A |
N/A |
FTOS_DFP_OTP
| Settings | Value | Description |
|---|---|---|
| Name | The channel. | |
| RelatedEntityName | FTOS_BNKAP_RetailApplicantData | The entity. |
| RelatedAttribute | The attribute from where the address is extracted and used to send the codes to. | |
| LookupAttribute | FTOS_BNKAP_RetailApplicantDataid | |
| OTPDigitsNumber | 4 | The number of numbers of the code. |
| MaxRetry | 5 | The maximum number of reties to insert the code. |
| MaxResendRetry | 3 | The maximum number of emails sent. |
| MaxResendRetryIntervalSeconds | 120 | The interval between the sending of the emails. |
| RelatedAttribute | The channel. | |
| LookupAttribute | FTOS_BNKAP_RetailApplicantDataid | The primary key. |
| OTPDigitsNumber | 4 | The number of numbers of the code. |
| MaxRetry | 5 | The maximum number of reties to insert the code. |
| MaxResendRetry | 3 | The maximum number of emails sent. |
| MaxResendRetryIntervalSeconds | 120 | The interval between the sending of the emails. |
| ValidTimeIntervalMinutes | 3 | |
| Name | Sms | The channel. |
| RelatedEntityName | FTOS_BNKAP_RetailApplicantData | The entity. |
| RelatedAttribute | phone | The attribute from where the address is extracted and used to send the codes to. |
| LookupAttribute | FTOS_BNKAP_RetailApplicantDataid | |
| OTPDigitsNumber | 4 | The number of numbers of the code. |
| MaxRetry | 5 | The maximum number of reties to insert the code. |
| MaxResendRetry | 3 | The maximum number of SMSes sent. |
| MaxResendRetryIntervalSeconds | 60 | The interval between the sending of the SMS. |
| Name | Sms | The name. |
| RelatedEntityName | FTOS_BNKAP_RetailApplicantData | The entity. |
| maskNextStepURLFail | contactInfo | The step where the user is redirected if the insertion of the code has been unsuccessful. |
| maskNextStepURLSuccess | ProofOfIdentity | The step the user is redirected if the insertion of the code has been successful. |
| successStatus | ContactInfoValidated | The status if the insertion has been successful. |
| failedStatus | ContactInfoFailed | The status if the insertion has been unsuccessful. |
Sliders_Parameters
In this solution, in the step Simulation, the customer uses the sliders form amount and period to select the sum of money needed for the loan and the time expressed in months the user wishes to pay back the loan. These are the settings for this digital flow settings.
| simAmountSlider | |
| id | sliderAmount |
| amplitude | 10000 |
| relatedAttribute | loanAmount |
| handleId | handleAmount |
| unitOfMeasure | null |
| simPeriodSlider | |
| id | sliderPeriod |
| amplitude | 15 |
| relatedAttribute | period |
| handleId | handlePeriod |
| unitOfMeasure | months |
The system uses the amplitude data, the minimum and maximum amounts & periods for each banking product. In the form driven flow named FTOS_BARET_LoanSimulation, in the Simulation step, in After Events, asynchronously a call is made to the internal endpoint, FTOS_BARET_GetSlidersParameters (see details FTOS_BARET_GetSlidersParameters). And lastly, the client script library FTOS_BARET_LoanSimulationUtils calls for the calculation of the PMT It calculates the monthly payment (principal and interest) required to settle a loan or an investment with a fixed interest rate over a specific time period., calculating the total payment, taking into account: the loan amount, period and interest rate.