Retail Account Origination

The Retail Account Origination journey is a process where an existing customer or prospect customer can apply for deposit products such as Savings account, Current accounts, and Term deposits etc. The Onboarding journey generally involves various stages from creating a deposit application, creation of a new account till submitting the application. Thus, the Onboarding journey of a retail user can be categorized as follows:

• Origination: The Origination part of the Onboarding journey includes creation of a deposit application by a retail user till submission.
• Temenos Digital Assist: Temenos Digital Assist App of the Onboarding journey involves bank users who process the submitted loan application.
• CSR journey in Spotlight: A Customer Service Representative (CSR) can process the application on behalf of the customer through the Customer Service Representative Temenos Digital Assist feature. To know more about the CSR journey in Spotlight click here.

Creating a new application

Retail Account Origination supports the following work flows as shown below, which provides a high-level understanding of the user journey.

• Prospect Customer Without Co-Applicant: This scenario applies to a prospect customer who wants to open a new account, without any co-applicant. The following flow diagram illustrates the Origination app flow in this scenario.

  

• Prospect Customer With Co-Applicant (Prospect Customer): This scenario applies to a prospect customer who wants to open a new account, with a co-applicant. The following flow diagram illustrates the Origination app flow in this scenario.
  

  

• Existing Customer Without Co-Applicant: This scenario applies to an existing customer of the bank who wants to open a new account, without a co-applicant. The following flow diagram illustrates the Origination app flow in this scenario.
  

  

• Existing Customer With Co-Applicant (Prospect Customer): This scenario applies to an existing customer of the bank who wants to open a new account, with co-applicant. The following flow diagram illustrates the Origination app flow in this scenario.

  

  Resume Application

  This scenario is applicable when a user quits the application and can resume an application to complete till submission. The following flow diagram illustrates the Resume Application flow in the Temenos Digital Origination app.

  

Quick Reference Link for other journeys

Journey	Product	Road Map in the Origination App for Prospect Customer & Existing Customer
Retail Account Origination	Savings Account	Login Page > Personal Information > Product Selection > Co-applicant >Documents > Summary >Additional Questions > Submit Application
	Current Accounts	Login Page > Personal Information > Product Selection > Co-applicant > Documents > Summary > Additional Questions > Submit Application
	Term Deposits	Login Page > Personal Information > Product Selection > Co-applicant >Documents >Summary > Additional Questions > Submit Application