Choose your Product

In the Origination App, Landing page, an existing customer or a prospect can select the product from the Product Group dashboard and proceed further with the journey in Origination App which is a Self Service App.

Temenos DigitalOrigination App supports various deposit and loan products for Retail and Business customers. The app provides you the ability to navigate between the available products and their details. The app enables you to select a product for which you want to open an account or get loans on credit. Currently, you can select only one product at a time from the Dashboard.

When the Temenos Digital Origination app is launched, the Landing Dashboard opens. The Temenos DigitalOrigination app comprises the following three layers:

• Landing Dashboard
• Product Group Dashboard
• Product Details Dashboard

The Landing Page is a dynamic module, and its data is retrieved from the Marketing Catalog Microservice (MCMS). If the data in the MCMS changes, the app landing dashboard will also change dynamically, and in the run-time. For more information about the Marketing Catalog Microservice, click here.

In case of multi-entity organizations, banks can have multiple implementations across its various branches or across different geographies.

Similarly, Temenos DigitalOrigination can host data of multiple entities. The core system contains multiple branches for various entities. For example, a bank Z contains three branches in the cities: A, B, C. Each branch can offer a different set of products. Depending on which branch you want to open an account in, a unique set of products are displayed in the Origination dashboard.

When the app is launched, the landing dashboard displays a set of products based on the default branch. The flow of the application varies depending on the type of the user.

In case of a new user, the set of products displayed on the dashboard depends on the following:

• Spotlight Configurations: When the app is launched, the default Branch id is retrieved from the Configurations set in Spotlight. Then, the products available for the default branch are retrieved from the Marketing Catalog MS and are displayed on the dashboard.
• Identity Scope of user: The Branch Id can also be manually included in the app URL. Upon launching the app, the products available for the branch id that is present in the URL, are displayed. For example, the deep link URL used for the Temenos DigitalOrigination app, BSG company is:
  <BaseURL>/apps/Origination/#_frmStartup?BranchRef=NL0020001&Identifier=AutoBranch
  Here, the value of the BranchRef parameter is a unique identifier of the respective branch in the core system.
  

When the app is launched, if the branch Id is already added as a branch reference in the deep link URL, then the default configuration in Spotlight is overridden. The products offered by the branch that is referenced in the deep link URL are displayed and a prospect customer is created in the core.

In case of an existing user, the set of products displayed on the dashboard depends on the identity scope of user. When the app is launched, if the app URL contains a branch reference, the products offered by that branch are displayed on the dashboard. Otherwise, the products offered by the default branch reference are displayed. However, once you login, if the Branch Id associated to your user profile is different from the branch Id in the deep link URL, then you are navigated to the dashboard and a new set of products are displayed, based on the associated branch Id.

Furthermore, when you resume an application, the branch reference is retrieved in the login response and the section that you last visited appears. If you are a new user, the branch reference is retrieved after you login with your temporary password. If you are an existing user, the branch reference is retrieved during the actual login.

Landing Dashboard

The Landing Dashboard summarizes the available product groups of deposit and lending types for Retail and Business customers. The Retail section of the dashboard comprises of retail products for the retail customers. Based on the Product Selection in the Product Group Dashboard, the retail products are further classified as Retail Onboarding and Retail Lending products.

Retail Account Origination: Retail dashboard displays the following Retail Account Origination products:

• Savings Account
• Current Account
• Term Deposits

Retail Loan Origination: Retail dashboard displays the following Retail Loan Origination products:

• Personal Loan
• Credit Cards
• Overdrafts
• Mortgage
• Remortgage
• Bridge Loan

The Business section of the dashboard comprises of business products for the business users. Based on the Product Selection in the Product Group Dashboard, the business products are further classified as SME Onboarding and SME Lending products.

SME Account Origination: Business dashboard displays the following SME Account Origination product:

• Current Accounts

SME Loan Origination: Business dashboard displays the following SME Loan Origination products:

• Business Overdraft
• Business Loan
• Credit Cards

To explore the products available in each product group, click on the respective account type. If a product group contains more than one product, the Product Group Dashboard appears. Otherwise, the Product Details Dashboard appears.

To learn more about the properties supported by the product group icons, click here.

Product Group Dashboard

The Product Group Dashboard contains the list of the available products in the selected product group.

Product Details Dashboard

The Product Details Dashboard contains the details of the selected product. The Product Details Dashboard provides you the reasons for choosing the product. If you want to open a new account for the selected product, click Open New Account. For more information about the user journeys, refer to Retail User Journeys and SME User Journeys.

Apart from the mentioned details, the dashboards also provide the following options:

• The Sign In option on the upper-right corner of the Product Group dashboard leads you to the Login page. If you are an existing customer, you can sign in by using your credentials. After you sign in, the Product Dashboard opens with the list of available products.

  To log out of the app, click Sign Out.

• The Hamburger Menu enables you to navigate to the Product Group Dashboard by selecting the required product group. You can navigate back to the Initial Dashboard by selecting Home from the menu. Additionally, you can navigate to Online Banking application as a Single-Sign on (SSO).
• The Resume Application option on the upper-right corner of the Product Group dashboard enables you to resume an application from the page that you last visited. For more information about the resume flow, refer to Resume Application flow.

Limitations

If the product details do not appear either on the Product Group Dashboard or Product Details Dashboard, refresh the page. It is due to the working nature of the Marketing Catalog Microservice (MCMS). The MCMS runs in a non-production environment and could contain availability or performance issues.

Components

The Initial Dashboard section contains the following list of components:

Component Name	Instance Name
com.dbx.Ad	Ad
com.nuo.loadingV3	loadingV3
com.olb.common.BrowserCheckPopup	BrowserCheckPopup
com.dbx.Explore	Explore
com.dbx.bannerError	bannerError
com.dbx.customfooter	customfooterNUO
olb.dbx.customheaderNUOV2	customheaderNUOV2
com.dbx.dataNotLoaded	dataNotLoadedCards
com.dbx.dataNotLoaded	dataNotLoadedExplore
com.olb.common.BrowserCheckPopup	BrowserCheckPopup
com.dbx.breadcrumbs	breadcrumbs
com.dbx.customfooter	customfooter
com.dbx.dataNotLoaded	dataNotLoadedDisclosure
com.dbx.dataNotLoaded	dataNotLoadedProdDetails
com.olb.common.BrowserCheckPopup	BrowserCheckPopup
com.dbx.dataNotLoaded	dataNotLoadedAd
com.dbx.dataNotLoaded	dataNotLoadedContentImage
com.dbx.dataNotLoaded	dataNotLoadedProdLists

Experience APIs

API	Description
getProductGroupsWithPurpose	This API fetches the list of product groups. These product groups are displayed as cards on the landing page and the hamburger menu.
getProductsFromProductGroup	This API fetches the list of products under a product group. The list is displayed on the Product Group dashboard.
getDetails	This API fetches the details of the product selected, when the Learn More onClick action is triggered on the Product Group dashboard. The API populates the response on the Product Details dashboard.
updateLastEditedSection	This API updates the last edited section in the Temenos DigitalOrigination application.

Configurations

The system administrator will have the capability to enable or disable the App Landing Page section, and in case of turning it on, configure the dashboards from the Spotlight app. For more information about configuring the App Landing Page, click here.

Extensibility

By using the Extensibility feature, you can customize the modules based on your requirements. For more information, refer to Extensibility.

Detect Unsupported Browsers

Here is the list of the certified browsers that are supported by the Temenos DigitalOrigination app.

Browser	Certified Versions
Google Chrome	68 and later
Apple Safari	9.1.2 and later

 

Apart from the browsers mentioned earlier, Microsoft Edge (version 44 and later) and Mozilla Firefox (version 66 and later) are also supported by the app with potential limitations. Thus, the Upgrade Browser window appears when you open the app in these browsers.

To proceed with creating the application, click Continue Anyway.

If you use an unsupported browser such as Internet Explorer 11, to access the Temenos DigitalOrigination app, you will see an error message.

The validation of browsers is applicable only to Desktop and is not applicable to Mobile and Tablet devices.