Digital Journeys

Digital journeys are a visual representation of every experience (path) users might have when using an app. A digital journey is comprised of a set of steps and decision points which take the users throughout a process, carrying them from one step to another to achieve a goal such as an onboarding process, application for a home policy or a life insurance. FintechOS Digital Journey anatomy is comprised of Evolutive Data Core, Form Driven Flows, User Interface and Fintech Automation Processors. FintechOS digital journeys are founded on the Evolutive Data Core which organizes, manages and displays various data collected in a business process.

In Innovation Studio, you can define how users interact with the apps based on their needs and expectations, improving the customer journey and providing a positive customer experience.

There are two types of flows a user is able to create and use to build a digital journey with multiple flows:

  • Form driven flows enable you to group business-wise information in a logical and comprehensive manner. They are defined on entity. Another type of flow is the Mock-up Flow, which is a preliminary version of a Form Driven Flow, useful for prototyping and defining the information needed.
  • Custom flows enable you to create custom URLs which redirect the user to a specific data form or view, generate custom filtered views based on security roles or add buttons which trigger specific actions.

A digital journey can combine several flows: a customer flow and an operator flow, depending on the business need. For example, it is possible to build a SME current account onboarding, by creating first a mock-up flow turning it into a form driven flow and attaching an operator flow. This way, a client will fill in their information and have a video call with an operator to confirm any further data.

For insurance, it is possible to build a journey for a client to apply for a motor policy by declaring information about this car and sign the contract in just a few minutes using Automation Blocks .

This section covers the following topics: