Customer, party and agreement model
The party model is the foundation for all banking and lending activity. A party may be a natural person or legal entity. Parties can be related through group structures, share operational contacts and hold multiple agreements across accounts, overdrafts, loans, mandates and communication preferences. A Party Group represents an SME structure such as parent, subsidiary and trading entity relationships. Contact roles such as signatory, director, guarantor, finance contact and borrower are attached to the relevant legal party or agreement. Entitlements are granted against party, agreement and action scopes, allowing the same user to have different visibility and permissions across multiple legal entities and products. The customer layer maintains:- core reference attributes and identifiers
- segment and relationship attributes
- communication preferences and consent status
- agreement references
- risk and compliance classification attributes
- entitlement mappings for digital and assisted channels
Product catalogue and pricing
Product definitions are managed centrally and consumed by onboarding, account origination and lending services. The catalogue supports product templates, bundles, parameter constraints, commercial eligibility and lifecycle status. It distinguishes between commercial product definition and instantiated contractual records. Supported product constructs include:- SME current accounts and service bundles
- overdraft facilities linked to transaction accounts
- corporate lending products such as term loans, revolving credit and working capital facilities
- consumer loan products with fixed or variable rates
- optional servicing features such as early settlement, overpayment and hardship options where configured
Key domain objects
| Object | Description |
|---|---|
| Party | A legal entity or person participating in the platform. |
| Party Group | A hierarchy representing SME groups, subsidiaries and related entities. |
| Customer Profile | Commercial and servicing view of a party, including segmentation, risk attributes and communication preferences. |
| Agreement | The contractual association between a customer and a product or service. |
| Product | A configurable commercial definition used to originate an account, overdraft or loan. |
| Account | A transactional financial instrument for current-account style servicing. |
| Facility | A corporate lending agreement that governs limits, pricing, covenants and drawdowns. |
| Loan | An instantiated repayment contract created from a corporate or consumer lending offer. |
| Collateral | Assets or guarantees linked to facilities and monitored for valuation and coverage. |
| Service Request | A tracked customer or operations case such as mandate amendment, statement request or hardship application. |
| Interaction Event | A recorded customer touchpoint across digital, assisted or operational channels. |
| Notification | A communication instance generated from a business event and a delivery template. |