Custom Product Templates

In addition to the Built-In Product Templates, you can create custom templates tailored to your business requirements. This can be done by duplicating an existing template (either a built-in template or a previously created custom template), then adding or removing sections and items according to your needs.

Create a Custom Product Template

1. In FintechOS Studio, go to Main Menu > Products.
2. From the Settings drop-down, select Product Types.
3. Double click an existing product type to open it.
4. From the ellipsis menu (...), select Duplicate.
5. Provide a name for the new template and click Duplicate.
6. The template is created and opened in a Draft state. As long as the template stays in this state you can edit it.

Edit a Product Template

Any product template that is in a Draft state can be customized:

• Click the title and edit the text field to rename the template title.
• Click the icon at the top left corner of the screen and select one of the available options to change the template icon.
• Use the drop-down at the top right corner of the screen to switch the template class between Personal, Business, and Corporate.
• Select Show the class name as part of the product type name to prepend the class name to the template name when editing a product in the Product Designer. E.g.: A product in the Personal class that uses the Holiday Loan template will be displayed as Personal Holiday Loan in the designer.

Customize Product Template Sections

For banking product templates, you can customize the displayed sections.

Customize the Main Info Section

The Main Info section is always displayed at the top of the template. Unlike the other sections, it cannot be removed or repositioned further down the page.

Customize the fields and default values you wish to display in the Main Info section.

• Main statement is - This option allows you to configure the currency, amount limits, and time ranges for loan repayments or deposit terms.
  • Amount and Term Interval - For loan products, sets limits for the amount that can be loaned in a specified currency and the repayment time range. E.g.: Loan amount from 1,000 to 10,000 Euro with a term of 1 to 5 years.
  • Deposit Amount and Term Interval - For deposits, sets limits for the amount that can be deposited in a specified currency and the time range for the deposit's term. E.g.: Deposit amount up to 100000 $ with a term of 1 to 5 years.
  • Only Currency - For products where you only specify the currency with no limits on amounts or time ranges.
  • Loan up to value - For loan products where you only set limits for the amount that can be loaned in a specific currency, but don't set limits for the repayment time range.
• Includes down payment - Adds a field to configure an up-front partial payment (e.g.: for loan products such as mortgages).
• Use default statements - Additional options you wish to include in the main section. Tick the checkmark on the left of the option to include the option in the template and configure the setting on the right of the option to set up a default value for it.

Option	Description
Use autoDisbursed with value	Configure if, once a loan is approved, the loan amount is transferred to the borrower's bank account automatically.
Use refinancing with value	Configure loan refinancing Taking out a new loan to replace an existing loan, usually to obtain more favorable loan terms, such as a lower interest rate, extended repayment period, or different monthly payment amounts..
Use withdrawal with value	Configure if a depositor can take out money from the deposited funds before maturity.
Use topUps with value	Configure if a depositor can add additional funds to a deposit before maturity.
Use disbursements with value	Configure limits on the number of disbursements.
Use restructuring with value	Configure if a loan allows restructuring Modifying the original terms and conditions of the loan to provide a more affordable repayment plan, typically when a borrower is facing financial difficulties or is struggling to meet their loan obligations. Can provide relief in the form of lower interest rates, extended repayment periods, deferred payments, changes in payment frequency, debt consolidation, waiving of penalties or fees, partial write-offs, etc..
Use revolving with value	Configure if a business can borrow money as needed to fund working capital needs or continuing operations (e.g. meeting payroll).
Use autoRenew with value	Configure deposit auto-renewals Automatically renew a deposit for the same tenure at the prevailing interest rate when it matures, without any action required from the account holder..
Use rollOver with value	Configure automatic roll-over Reinvestment of the principal (and sometimes accrued interest) of a matured financial product, such as a certificate of deposit (CD), into a new term product of the same type but potentially with different terms (like updated interest rates or maturity period)..
Use codebtors with value	Configure loan codebtors Individual who assumes joint responsibility for repaying a loan alongside the primary borrower. If the primary borrower defaults on the loan, the codebtor becomes liable for the remaining debt..

Customize Regular Sections

To add a section to the template, scroll down to the bottom of the page and select it from the Add section drop-down.

To reorder sections on the product template, use the move arrows on each section.

To delete sections from the product template, disable the Included toggle button. This removes the section from the template editor and adds it to the Add section drop-down (from where you can enable it again).

Product Template Life Cycle

Draft

When you create a new product template (by duplicating an existing template), it begins in the Draft state. This is the only state where the template can be edited and customized.

When selecting the template for a new product, draft templates are displayed in the selection window as grayed out, inactive buttons tagged as Coming soon.

Active

A product template in the Active state is available in the Product Designer, allowing the creation of products based on it. To activate a template, click the ellipsis button (...) and select Active.

Inactive

If you want to disable a product template (prevent its use in the Product Designer to create new products), you can deactivate it by clicking the ellipsis button (...) and selecting Inactive. Templates in the Inactive state can be reactivated by selecting the Active option again from the ellipsis menu.