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Permissions Based Access to Features

This section explains the permissions (entitlements) based visibility to features and services for business users in the banking application. The permissions are assigned at the following levels: Company, User role, and User.

Users have permissions (entitlements) based access to the features and associated actions in the application. The permissions are assigned to each user role such as administrator, authorizer, creator, and viewer. The roles are configured at the financial institution (FI) level and are assigned to every user, which controls the features and actions that the user can perform.

A role defines the highest level of permission that is given to a business user and can even contain permissions to a partial set of actions for a feature, and the permissions can be restricted at the user level as well. A user’s permissions are governed by two things - permissions it inherits from the role and the permissions given to the Company / Business. However, a business owner or an authorized person can take away some of the permissions that the user inherits from a role. Therefore, it is possible to have a custom set of permissions for every user. For example, Bill Pay can be turned on or off for a specific company customer of the bank, a role within that company, or for a specific user within the company. The following graphic explains the permissions concept.

Only when a feature is turned on for company/business or a user, that feature and its expressions (dashboard links, widgets etc.) are visible in the customer-facing banking application and can be interacted with all channels (mobile, responsive web etc.).

This section covers the following topics:

Role mapping to features
Visibility of features and services in Responsive Web
Visibility of features and services in Mobile Native
User and account level permission to features for business users

Role Mapping to Features

The following table is a sample used for reference purpose showing the feature and associated actions mapped to the user roles. The FIs can configure their own roles.

This is only a sample table and used for reference purposes only.

Role mapping to features and actions

The following table is a sample used for reference purpose only showing the feature and associated actions mapped to the user roles. The FIs can configure their own roles.

Feature	Action	Admin	Authorizer	Creator	Viewer
Check Management	Check management	Yes	No	No	No
	Add or stop check request	Yes	Yes	Yes	No
	View disputed checks	Yes	Yes	Yes	No
Domestic Wire Transfer	Approve domestic wire transfers	Yes	Yes	No	No
	Wire transfers within the country	Yes	Yes	Yes	No
	View history of domestic wire transfers	Yes	Yes	Yes	Yes
	Create recipient	Yes	No	No	No
	Delete recipient	Yes	No	No	No
	Approve self-initiated domestic wire transfer	Yes	No	No	No
	View recipient	Yes	No	No	Yes
ACH Payment	Approve ACH payments	Yes	Yes	No	No
	ACH service	Yes	Yes	Yes	No
	ACH payment create template	Yes	Yes	Yes	No
	ACH payment delete template	Yes	Yes	Yes	No
	Approve self-initiated ACH payments	Yes	No	No	No
	View history of ACH payments	Yes	Yes	Yes	Yes
	ACH payment view template	Yes	Yes	Yes	Yes
Recipient Management	View recipient	Yes	Yes	Yes	Yes
User Management	User management	Yes	No	No	No
	User management activate	Yes	Yes	Yes	No
	User management create	Yes	Yes	Yes	No
	User management delete	Yes	Yes	Yes	No
	User management suspend	Yes	Yes	Yes	No
	User management view	Yes	Yes	Yes	Yes
Bill Payment Service	Bill pay activate	Yes	Yes	Yes	No
	Bill pay activate e-bill	Yes	Yes	Yes	No
	Activate or deactivate bill pay	Yes	No	Yes	Yes
	Approve bill payments	Yes	Yes	No	No
	Bulk bill pay	Yes	Yes	Yes	No
	Bill payment service	Yes	Yes	Yes	No
	Bill pay create payees	Yes	Yes	Yes	No
	Bill pay deactivate	Yes	Yes	Yes	No
	Bill pay deactivate ebill	Yes	Yes	Yes	No
	Bill pay delete payees	Yes	Yes	Yes	No
	Approve self-initiated bill payments	Yes	No	No	No
	View bill payments	Yes	Yes	Yes	Yes
	Bill pay view payees	Yes	Yes	Yes	Yes
	Bill pay view payments	Yes	Yes	Yes	Yes
Profile Settings	Update profile settings	Yes	Yes	Yes	Yes
	View profile settings	Yes	Yes	Yes	Yes
Alert Management	Alert management	Yes	No	No	No
Manage E-statements	Manage E-statements	Yes	No	No	No
Customer requests and messages	Create message	Yes	Yes	Yes	Yes
	Delete message	Yes	Yes	Yes	Yes
	Reply message	Yes	Yes	Yes	Yes
	View message	Yes	Yes	Yes	Yes
Account Settings	Manage account settings	Yes	No	No	No
	View account settings	Yes	No	No	Yes
ACH Collection	Approve ACH collections	Yes	Yes	No	No
	ACH collection service	Yes	Yes	Yes	No
	ACH collection create template	Yes	Yes	Yes	No
	ACH collection delete template	Yes	Yes	Yes	No
	Approve self-initiated ACH collections	Yes	No	No	No
	View history of ACH collections	Yes	Yes	Yes	Yes
	ACH collection view template	Yes	Yes	Yes	No
Approval Matrix	Manage approval matrix	Yes	Yes	No	No
	View approval matrix	Yes	Yes	No	Yes
Transaction Management	Delete transaction	Yes	Yes	Yes	Yes
Applicant	Create applicant	Yes	Yes	Yes	Yes
Intra Bank Fund Transfer	Intra bank fund transfer - approve	Yes	Yes	No	No
	Intra bank fund transfer - create	Yes	Yes	Yes	No
	Intra bank fund transfer - create recipient	Yes	Yes	Yes	No
	Intra bank fund transfer - delete recipient	Yes	Yes	Yes	No
	Intra bank fund transfer - self approval	Yes	No	No	No
	Intra bank fund transfer - view transactions	Yes	Yes	Yes	Yes
	Intra bank fund transfer - view recipient	Yes	Yes	Yes	Yes
International Account to Account Fund Transfer	Approve fund transfers to accounts in international banks and credit unions	Yes	Yes	No	No
	Fund transfer to accounts in international banks and credit unions	Yes	Yes	Yes	No
	International account fund transfer create recipient	Yes	No	No	No
	International account fund transfer delete recipient	Yes	Yes	Yes	No
	Approve self-initiated fund transfers to accounts in international banks and credit unions	Yes	No	No	No
	View history of fund transfers to accounts in international banks and credit unions	Yes	Yes	Yes	Yes
	International account fund transfer view recipient	Yes	Yes	Yes	Yes
Payee Management	Create payee	Yes	Yes	Yes	Yes
	Delete payee	Yes	Yes	Yes	Yes
	Edit payee	Yes	Yes	Yes	Yes
	View payee	Yes	Yes	Yes	Yes
Manage Debit and Credit Cards	Card management	Yes	No	No	No
	Change PIN	Yes	Yes	Yes	Yes
	Create card request	Yes	Yes	Yes	Yes
	Lock card	Yes	Yes	Yes	Yes
	Card management - partial update	Yes	Yes	Yes	Yes
	Replace card	Yes	Yes	Yes	Yes
	Unlock card	Yes	Yes	Yes	Yes
Dispute Transactions	Dispute transactions	Yes	No	No	No
	Manage dispute transaction	Yes	No	No	No
	View dispute transaction	Yes	No	No	Yes
Notification	Update notification	Yes	Yes	Yes	Yes
	View notification	Yes	Yes	Yes	Yes
Transfer Between Customer's Accounts	Approve transactions	Yes	Yes	No	No
	Create transaction	Yes	Yes	Yes	No
	Self-approval of transfer between customer's accounts	Yes	No	No	No
	View transactions	Yes	Yes	Yes	Yes
International Wire Transfer	Approve international wire transfers	Yes	Yes	No	No
	International wire transfers	Yes	Yes	Yes	No
	International wire transfer create recipient	Yes	Yes	Yes	No
	International wire transfer delete recipient	Yes	Yes	Yes	No
	Approve self-initiated international wire transfers	Yes	No	No	No
	View history of international wire transfers	Yes	Yes	Yes	Yes
	International wire transfer view recipient	Yes	Yes	Yes	Yes
Feedback	Submit feedback	Yes	Yes	Yes	Yes
Interbank Account to Account Fund Transfer	Approve fund transfers to accounts in other domestic banks and credit unions	Yes	Yes	No	No
	Fund transfer to accounts in other domestic banks and credit unions	Yes	Yes	Yes	No
	Inter bank fund transfer create recipient	Yes	No	No	No
	Inter bank fund transfer delete recipient	Yes	No	No	No
	Approve self-initiated fund transfer to accounts in other domestic banks and credit unions	Yes	No	No	No
	View history of fund transfers to accounts in other domestic banks and credit unions	Yes	Yes	Yes	Yes
	Inter bank fund transfer view recipient	Yes	No	No	Yes

The role to feature mapping is defined and managed in the Spolight (Customer 360) application and any changes in the mapping reflects in the business banking application. However, the business banking application allows business owners and other authorized manager of business users to control access to various features at user level at the time of user creation or editing the user permissions after the user has been created.

Visibility of Features and Services - Responsive Web

Permissions based visibility is available to the following features and services of the Responsive Web (OLB) application for business users.

Accounts List (Dashboard)

The accounts dashboard shows only those accounts to which the user has been explicitly given access and the visibility of each of the quick actions for every account type is controlled by the following permissions:

UI impacted: Accounts List or Dashboard

Permissions for quick actions

Account type	Actions	Conditions for Visibility
Savings	Transfer (new flow) / Make transfer from (old flow)	New flow If the user has "Create Transaction" permission for any of the following: Transfer between Customer's Accounts Intra Bank Fund Transfer Interbank Account to Account Fund Transfer International Account to Account Fund Transfer Old flow If the user has "Create Transaction" permission for any of the following: Transfer between Customer's Accounts Intra Bank Fund Transfer Interbank Account to Account Fund Transfer International Account to Account Fund Transfer Domestic Wire Transfers International Wire Transfers
	Stop Check Payment	If the user has "Check Management - Add New Stop check" permission
	View Statements
Checking	Transfer	New flow If the user has "Create Transaction" permission for any of the following: Transfer between Customer's Accounts Intra Bank Fund Transfer Interbank Account to Account Fund Transfer International Account to Account Fund Transfer Old flow If the user has "Create Transaction" permission for any of the following: Transfer between Customer's Accounts Intra Bank Fund Transfer Interbank Account to Account Fund Transfer International Account to Account Fund Transfer Domestic Wire Transfers International Wire Transfers
	Pay Bill	If the user has "Create Transaction" permission for Bill Payments
	Stop Check Payment	If the user has "Check Management - Add New Stop Check Payment Request" permission
	View Statements
Credit Card	Pay Bill	If the user has "Create Transaction" permission for Bill Payments
	View Statements
Loan/Mortgage	Pay due amount	If the user has "Create Transaction" permission for any of the following Transfer between Customer's Accounts Intra Bank Fund Transfer Interbank Account to Account Fund Transfer
	Update Account Settings
	View Statements
Deposits, IRA, Certificate Share/Deposits	Update Account Settings
	View Statements

Account Details

Account Details - Actions

A business user while viewing the account details can see only those actions that the user has the permission to perform. The control to switch between account details shows only those accounts to which the user has been explicitly given access. The visibility of each of the actions on the account details page for every account type is controlled by the following permissions.

UI impacted: Account Details page

Permissions for account details

Account type	Type of Link	Actions	Conditions for Visibility
Savings	Quick Link	Make transfer from	If the user has "Create Transaction" permission for any of the following: Internal Fund Transfers Third-party fund transfers Wire Transfers Domestic International
	Quick Link	Scheduled Transactions
	Other Actions	Stop Check Payment	If the user has "Check Management - Add new stop check payment request" permission
	Other Actions	View Statements
	Other Actions	Update Account Settings
Checking	Quick Link	Make transfer from	If the user has "Create Transaction" permission for any of the following: Internal Fund Transfers Third-party fund transfers Wire Transfers Domestic International
	Quick Link	Scheduled Transactions
	Quick Link	Pay a bill from	If the user has "Create Transaction" permission for Bill Payments
	Other Action	Stop Check Payment	If the user has "Check Management- Add new stop check payment request" permission
	Other Action	View Statements
	Other Action	Update Account settings
Credit Card	Other Action	Pay a bill from	If the user has "Create Transaction" permission for Bill Payments
	Quick Link	Scheduled Transactions
	Quick Link	View Statements
	Other Action	Update Account Settings
Loan	Quick Link	Pay due amount	If the user has "Create Transaction" permission for any of the following: Internal Fund Transfers Third-party fund transfers
	Quick Link	Update Account Settings
	Quick Link / Other Action	View Statements
	Other Action	Payoff Loan	If the user has "Create Transaction" permission for any of the following Internal Fund Transfers Third-party fund transfers
Deposits, IRA, Certificate Share/Deposits	Other Action	Update Account Settings
	Quick Link	View Statements

Transactions - All / Transfers / Deposits / Withdrawals

Repeat Transaction: A business user can view and execute a Repeat Transaction action only on those transactions that the user has the Create Transaction permission to the service through which the transaction has been created (Wire Transfer / Internal Fund Transfer / Third-party Fund Transfer).
Dispute Transaction: A business user can dispute transactions only those transactions that the user has the Dispute Transaction - Manage permission.
View Request: A business user can view disputed transactions only those transactions that the user has the Dispute Transaction - View permission.

UI impacted: Account Details page

Account Details - Scheduled Transactions

Modify/Cancel: A business user can modify or cancel a scheduled transaction if the user has the permission. Modify/Cancel is visible only if the user has "Create Transaction" permission to the service through which the transaction has been created (Wire Transfer / Internal Fund Transfer / Third-party Fund Transfer).

Menus - Top and Hamburger

The visibility of each of the menu items under the top menu and hamburger menu is controlled through the following permissions. Where no conditions are mentioned, it is implied that there is no permissions based visibility control for these menu options.

UI impacted: Top menu and Hamburger menu

Permissions for top menu and hamburger menu

Feature	Actions	Conditions for Visibility
Top Menu	Transfer & Pay	If the user has "View" permission for any of the following: Transfer between Customer's Accounts Intra Bank Fund Transfer Interbank Account to Account Fund Transfer International Account to Account Fund Transfer Domestic Wire Transfers International Wire Transfers Bill Pay
	Transfer money	If the user has "View" / "Create Transaction" / "Manage Payee" permission for any of the following: Transfer between Customer's Accounts Intra Bank Fund Transfer Interbank Account to Account Fund Transfer International Account to Account Fund Transfer
	Pay Bills	If the user has "View" permission for Bill Payments
	Wire Money	If the user has "View" permission for any of the following: Domestic Wire Transfers International Wire Transfers
Hamburger Menu	Accounts	(Visible if any of the options under Accounts is visible)
	My Accounts
	Card Management	If the user has "Card Management" permission
	Stop Payment Requests	If the user has "Dispute Transactions - View" / "Check Management - View" permission
	Personal Finance Management	If the user has "Personal Finance Management" permission. Applicable only for retail user.
	Transfers	(Visible if any of the options under Transfers is visible)
	Transfer Money	If the user has "Create Transaction" permission for any of the following: Internal Fund Transfers third-party fund transfers Wire Transfers Domestic International
	Transfer History
	External Accounts	If the user has "Manage Payee" permission for any of the following: Third-party fund transfers Wire Transfers Domestic International
	Add Temenos Digital Bank Accounts	If the user has "Manage Payee" permission for any of the following: Internal Fund Transfers Third-party fund transfers Wire Transfers Domestic International
	Add External Accounts	If the user has "Manage Payee" permission for any of the following: Internal Fund Transfers Third-party fund transfers Wire Transfers Domestic International
	Bill Pay	(Visible if any of the options under Bill Pay is visible)
	Pay A Bill	If the user has "Create Transaction" permission for Bill Payments
	Bill Pay History
	My Payee List
	Add Payee	If the user has "Manage Payee" permission for Bill Payments
	Make One Time Payment	If the user has "Create Transaction" permission for Bill Payments
	Alerts & Messages	(Visible if any of the options under Alerts & Messages is visible)
	Alerts
	My Messages
	New Message
	Settings	(Visible if any of the options under Settings is visible)
	Profile Settings
	Alert Settings	If the user has "Alerts management" permission
	Account Settings
	Wire Transfer	(Visible if any of the options under Wire Transfers is visible)
	Make Transfer	If the user has "Create Transaction" permission for any of the following: Wire Transfers Domestic International
	History
	My Recipients
	Add Recipients	If the user has "Manage Payee" permission for any of the following: Wire Transfers Domestic International
	Make One Time Payment	If the user has "Create Transaction" permission for any of the following: Wire Transfers Domestic International
	About Us
	Terms & Conditions
	Privacy Policy
	User Management	(Visible if any of the options under User Management is visible)
	All Users	If the user has "User Management" permission
	Create a User	If the user has "User Management" permission

Transfers

Transfers - Transfer Money

Transfers: A business user can see only those Transfers option to which, the user has the permission to perform.
Transfers Dashboard - Transfer Money: The visibility of each of the actions on the following is controlled by the permissions given in the table.
- On the dashboard
- Change Transfer Type while creating a transaction.
- Choose a Transfer Type while creating a transaction.

Permissions for Transfer Money

Transfer Option	Conditions for Visibility
To My Temenos Digital Bank accounts	If the user has "Create Transaction" permission for any of the following: Internal Fund Transfers
To external members	If the user has "Create Transaction" permission for any of the following: Internal Fund Transfers
To other Bank accounts	If the user has "Create Transaction" permission for any of the following: Third-party fund transfers
International accounts	If the user has "Create Transaction" permission for any of the following: Third-party fund transfers
Wire Transfer	If the user has "Create Transaction" permission for any of the following: Wire Transfers Domestic International

Transfer Option

Conditions for Visibility

To My Temenos Digital Bank accounts

If the user has "Create Transaction" permission for any of the following:

Internal Fund Transfers

To external members

If the user has "Create Transaction" permission for any of the following:

Internal Fund Transfers

To other Bank accounts

If the user has "Create Transaction" permission for any of the following:

Third-party fund transfers

International accounts

If the user has "Create Transaction" permission for any of the following:

Third-party fund transfers

Wire Transfer

If the user has "Create Transaction" permission for any of the following:

Wire Transfers

Domestic
International

Create Transaction: While creating a transfer, a business user can see only those accounts in the "From Account" list to which the user has access and can change the "transfer by" to only a Transfer Type that the user has the permission to perform.
Add Recipients Quick Links: The visibility of the quick links is driven by the following permissions.

Permissions for Add Recipient Quick Links

Transfer Option

Conditions for Visibility

Add Temenos Digital Bank Recipient

If the user has "Manage Payee" permission for any of the following:

Internal Fund Transfers

Add External Recipient

If the user has "Create Transaction" permission for any of the following:

Third-party Fund Transfers

Add International Recipient

If the user has "Create Transaction" permission for any of the following:

Third-party fund transfers
Wire Transfer - International

Beneficiary management for handling contract structure

A user can have access to multiple contracts and a contract can have single or multiple Customer IDs within it. Also, a contract can be a combination of single or multiple retail and business customer IDs. The beneficiaries are stored/associated at a customer ID level and all the actions of view, edit, and delete a beneficiary is controlled by the permissions the user has at the customer ID level. A user can share the beneficiary with other customer IDs (to which the user has permission) or associate with one or multiple customer IDs. In the "Manage Beneficiary" feature, the beneficiaries are listed based on the customer IDs to which the user has access. The beneficiaries are stored in the DBX DB.

A contract can have the following use cases and a user associated with the contract can be classified as:

Single Retail Customer ID (Retail)
Multiple Retail Customer IDs (Retail)
Single Business Customer ID (Business)
Multiple Business Customer IDs (Business)
Multiple Retail & Business Customer IDs (Combined)

Key points:

The beneficiaries are linked at a customer ID level.
A logged-in user can create/edit a beneficiary only if the user has permission for Create Beneficiary feature action under any of the following: Transfer/Bill Payment/Bulk payment/Domestic and International Wire/P2P.
User will have an option to share the beneficiary with other Customer IDs (to which the user has permission) or can associate it with one or multiple Customer IDs.
If the user has Edit permission, the user can edit the beneficiary also as stated above.
In case of Delete, if the user deletes a specific beneficiary, it will be deleted against all the customer IDs linked to it.
While making a payment, when a user selects a particular account based on the customer ID of the that account in the "To" field, all the beneficiaries are listed.
In the "Manage Beneficiary" feature, the beneficiaries are listed based on the customer IDs the user has access. Also, if the same beneficiary is available across multiple Customer IDs, the beneficiary appears once on the screen.
In addition to the customer ID level access, the beneficiary listing is based on the Feature level permission of the logged-in user.

UI impacted: Transfer module screens

Transfers - Recent and Scheduled

Recent tab: A business user can see the "Repeat" transaction action for those transactions to which, the user has the "Create Transaction" Permission to the service through which, the transaction has been created (Wire Transfer / Internal Fund Transfer / Third-party Fund Transfer).
Scheduled tab: A business user can see the 'Edit / Cancel' actions for scheduled transactions to which, the user has the "Create Transaction" Permission to the service through which, the transaction has been created (Wire Transfer / Internal Fund Transfer / Third-party Fund Transfer).

For "Choose a Transfer Type" options, see Permissions for Transfer Money table under Transfer Money.
For "Add Recipients" options, see Permissions for Add Recipient Quick Links table under Transfer Money.

Transfers - Recipients

Recipients tab: A business user can see the "Edit / Delete" actions on the recipients for Fund Transfers only if the user has the "Manage Payee" permission to any of the following services: created (Wire Transfer / Internal Fund Transfer / Third-party Fund Transfer).

UI impacted: Transfer module

For "Choose a Transfer Type" options, see Permissions for Transfer Money table under Transfer Money.
For "Add Recipients" options, see Permissions for Add Recipient Quick Links table under Transfer Money.

Transfers (New Money Movement Flow) - Top Menu - Transfers and My Bill

A financial institution (FI) can set the Transfer option be visible to only those users who have the permission to perform transfers using the application.
An FI can set the Transfer Activities be visible to only those users who have the permission to perform transfers using the application.
An FI can set the Manage Recipients option be visible to only those users who have the permission to view and manage recipients.

Transfer Menu (Top Level) - Transfer

The Transfer option is shown if the user has the "CREATE" permission for Transfers/P2P/both.
The Transfer option checks the "CREATE" transaction permission for the following services:
- Intra Bank Fund Transfer
- Transfer between customer's accounts
- Interbank Account to Account Fund Transfer
- International Account to Account Fund Transfer
If the permission exists for at least one of the above services, the application shows the "Transfer" option. Otherwise, it is not shown.

Transfer Menu (Top Level) - Transfer Activities

The Transfer Activities option is shown if the user has the permission to do Transfers/P2P/both.
The Transfer Activities option checks the transaction permissions for the following services. If the user has access to "View" permission to any of the features below "Transfer Activities" option.
- Intra Bank Fund Transfer
- Transfer between customer's accounts
- Interbank Account to Account Fund Transfer
- International Account to Account Fund Transfer

Transfer Menu (Top Level) - Manage Recipients

The Manage Recipients option is shown if the user has the "Manage Recipients" permission to do Transfers.
Check the permissions for the following services. If the "View Recipients" permission exists for at least one of the following services, then the user can see the "Manage Recipients" option.
- Intra Bank Fund Transfer
- Transfer between customer's accounts
- Interbank Account to Account Fund Transfer
- International Account to Account Fund Transfer

Transfer Menu (Top Level) - Add Recipient

The Add Recipient option is shown if the user has the "Add/Edit/Edit Recipients" permission to do Transfers/P2P/ both.
Check the permissions for the following services. If the "Add/Edit Recipients" permission exists for the following services, then the user can see the "Add Recipients" option.
- Intra Bank Fund Transfer
- Transfer between customer's accounts
- Interbank Account to Account Fund Transfer
- International Account to Account Fund Transfer

The top level "Transfers" option on both the top menu and on the hamburger menu, is hidden if the user does not have the permissions required to show even a single sub-option under the menus.

Transfers (New Money Movement Flow) - Hamburger Menu

Transfer Menu (Top Level) - Transfer

The Transfer option is shown if the user has the "CREATE" permission for Transfers/P2P/both.
The Transfer option checks the "CREATE" transaction permission for the following services:
- Intra Bank Fund Transfer
- Transfer between customer's accounts
- Interbank Account to Account Fund Transfer
- International Account to Account Fund Transfer
If the permission exists for at least one of the above services, the application shows the "Transfer" option. Otherwise, it is not shown.

Transfer Menu (Top Level) - Transfer Activities

The Transfer Activities option is shown if the user has the permission to do Transfers.
The Transfer Activities option checks the transaction permissions for the following services. If the user has access to "View" permission to any of the features below "Transfer Activities" option.
- Intra Bank Fund Transfer
- Transfer between customer's accounts
- Interbank Account to Account Fund Transfer
- International Account to Account Fund Transfer

Transfer Menu (Top Level) - Manage Recipients

The View Recipients option is shown if the user has the "Manage Recipients" permission to do Transfers.
Check the permissions for the following services. If the "View Recipients" permission exists for at least one of the following services, then the user should be able to see the "Manage Recipients" option.
- Intra Bank Fund Transfer
- Transfer between customer's accounts
- Interbank Account to Account Fund Transfer
- International Account to Account Fund Transfer
If the business user has only permission for "Transfer between customer own accounts", the Manage Recipients option will not be available on the Hamburger Menu.

Transfer Menu (Top Level) - Add Recipient

The Add Recipient option is shown if the user has the "Add/Edit/Edit Recipients" permission to do Transfers/P2P/ both.
Check the permissions for the following services. If the "Add/Edit Recipients" permission exists for the following services, then the user can see the "Add Recipients" option.
- Intra Bank Fund Transfer
- Transfer between customer's accounts
- Interbank Account to Account Fund Transfer
- International Account to Account Fund Transfer

The top level "Transfers" option on both the top menu and on the hamburger menu, is hidden if the user does not have the permissions required to show even a single sub-option under the menus.

My Bills (Top Level)

Applies same permissions of Bill Pay in the old transfers flow.

Transfers (New Money Movement Flow) - Accounts Dashboard - Quick Links

Transfer

The Transfer option is shown if the user has the "CREATE" permission for Transfers.
The Transfer option checks the "CREATE" transaction permission for the following services:
- Intra Bank Fund Transfer
- Transfer between customer's accounts
- Interbank Account to Account Fund Transfer
- International Account to Account Fund Transfer
If the permission exists for at least one of the above services, the application shows the "Transfer" option. Otherwise, it is not shown.

Transfers (New Money Movement Flow) - Account Details Page - Quick Links

Transfer

The Transfer option is shown if the user has the "CREATE" permission for Transfers.
The Transfer option checks the "CREATE" transaction permission for the following services:
- Intra Bank Fund Transfer
- Transfer between customer's accounts
- Interbank Account to Account Fund Transfer
- International Account to Account Fund Transfer
If the permission exists for at least one of the above services, the application shows the "Transfer" option. Otherwise, it is not shown.

Transfers (New Money Movement Flow) - Quick Links in the Transfers Flow

Transfer

The Transfer option is shown if the user has the "CREATE" permission for Transfers.
The Transfer option checks the "CREATE" transaction permission for the following services:
- Intra Bank Fund Transfer
- Transfer between customer's accounts
- Interbank Account to Account Fund Transfer
- International Account to Account Fund Transfer
If the permission exists for at least one of the above services, the application shows the "Transfer" option. Otherwise, it is not shown.

Transfers (New Money Movement Flow)

A user can initiate a money movement by selecting the accounts to make the transfer. The user can view all the accounts (eligible to make a transfer from) - for which, the user has access, grouped by the account type.

A business user has access to the particular account for it to appear in the From list and has "CREATE" permission for one or more of the following services:

Intra Bank Fund Transfer
Transfer between customer's accounts
Interbank Account to Account Fund Transfer
International Account to Account Fund Transfer

When there are no such accounts which meet the above criteria:

If there are no eligible accounts to transfer money from, the same is indicated to the user through an appropriate message.
The Open New Account link is shown only if the user has the "New Account Opening" permission. Applicable only for retail user.
- If the permission exists:
  - Takes the user to the new account opening screen.
  - On conclusion of the new account opening flow, the user initiates the transfer again.
- If the permission does not exist, the option is not shown to the user at all.

User’s own accounts grouped by account type

Business users can only see this section if they have been given the "Create" permission on Transfer between customer's accounts. In this case, the business user can see all of the Company's own accounts and be able to transfer funds between them.
If there are no such accounts or the user does not have the associated permission, then these grouped sections are not shown to the user at all.

When there are no "To Accounts" to transfer

If there are no recipients to transfer money, the same is indicated to the user through an appropriate message.
A "Transfer to New Recipient" link is shown if the user has Add/Edit Recipient permission on any of the following features. This takes the user to the flow for adding a new recipient.
- Intra Bank Fund Transfer
- Transfer between customer's accounts
- Interbank Account to Account Fund Transfer
- International Account to Account Fund Transfer
After adding a new recipient, the user must initiate the transfer again.

Transfers - Add New Recipients

A financial institution can make the option to add a particular type of Account/Recipients visible to only those users who have the permission to view and manage recipients.

Temenos Digital Account: This option is shown if the user has the "ADD / EDIT RECIPIENTS" permission to do "Intra Bank Fund Transfer".
External Account: This option is shown if the user has the "ADD / EDIT RECIPIENTS" permission to do "Interbank Account to Account Fund Transfer".
International Account: This option is shown if the user has the "ADD / EDIT RECIPIENTS" permission to do "International Account to Account Fund Transfer".

Options that are not available to the user are hidden and the positions on the components on the page are adjusted accordingly.

Link to activate the P2P services is shown only to those users who have the "Activate P2P service" permission to activate the service on behalf of the company.

Transfers - Transfer Activities - Scheduled Transfers

A user with "CREATE" permission on the associated service can do the following:

Edit the scheduled transfers.
Cancel a transfer.
Cancel a single instance / occurrence of a repeating transfer.
Cancel the complete series for a repeating transfer.

Transfers - Transfer Activities - Past Transfers

A business user can view all the past transfers that have been completed over the banking application in the following conditions:

If the user has been given access to the From account on which the transaction has been initiated.
The transfer is created by any business user on the account through the online channel.

Transfers - Repeat Transfer

A user can repeat a transfer only if the user has "CREATE" permission on the associated service and access to the From account.

Transfers - Manage Recipients tab

The Manage Recipients tab is shown only if the business user has any one of the following feature action permissions in Inter Bank Fund Transfer, Intra bank Fund Transfer, and International Fund Transfer. The Manage Recipients tab is common across Interbank, Intra Bank, and International Fund Transfer. If the business user does not have permission for all the following feature actions under all three features, the Manage Recipients tab will not be displayed. But if the user has the feature action permission under any one of the Fund Transfer type, the Manage Recipients section will be displayed.
- View Recipient
- Create Recipient
- Delete Recipient
Based on the above permissions, on expanding a specific recipient, the action buttons, Edit and Delete are available.
The business user can view list of recipients if "View Recipient" feature action permission under Inter-Bank Account to Account Transfer, Intra Bank Fund Transfer, and International Fund Transfer is enabled.
The business user can Create or Edit a specific recipient if "Create Recipient" feature action permission under Inter-Bank Account to Account Transfer, Intra Bank Fund Transfer, and International Fund Transfer is enabled.
The business user can delete an existing recipient if "Delete Recipient" feature action permission under Inter-Bank Account to Account Transfer, Intra Bank Fund Transfer, and International Fund Transfer is enabled.
When the business user has, say permission for Interbank Fund Transfer in the Manage Recipients list, then the other recipients such as international recipients and same bank (Temenos Digital Bank) recipients are not displayed.
The recipients list displays details based on the permissions (type of transfer) the logged-in business user has been given.

Bill Payment

A business user can do the following if the user has the required permissions:

Manage Payees (add/delete/edit) for Bill Payments
Create bill payments only from those accounts to which the user has been given access.
Edit/Cancel scheduled payments only if the user has been given access.

UI impacted: Bill Payments

Note:

The existing actions Activate/Deactivate Bill Pay, Bill Pay Activate, and Bill Pay Deactivate are merged as single feature action, "Activate /Deactivate Bill Pay".
The existing actions, Bill Pay Activate E Bill and Bill Pay Deactivate E Bill are merged as single feature action, Bill Pay Activate /Deactivate E-Bill.
The existing actions, Bill Pay View Payments and View Bill payments are merged as single feature action, "View Bill Payments".

Quick Actions

Add Payee: This action is displayed only if the user has "Manage Payees" access to Bill Payments.
Make One Time Payment: These options are visible only if the user has the "Create Transaction" permission for Bill payments.

Tabs

All Payees: Shown only if the user has "Create Transaction" permission for Bill payments.
Payment Due: Shown only if the user has "Create Transaction" permission for Bill payments.
Scheduled: Shown only if the user has "Create Transaction" permission for Bill payments.
History: Shown only if the user has "View", "Create Transaction", or "Manage Payees" permission for Bill payments.
Manage Payees: Shown only if the user has "Manage Payees" permission for Bill payments

Bill Pay - Scheduled Tab

Edit / Cancel: These options are visible only if the user has the "Create Transaction" permission for Bill payments.

Bill Pay - History Tab

Repeat: This option is visible only if the user has the "Create Transaction" permission for Bill payments.

Bill Pay - Manage Payees tab

Pay a Bill: This option is visible only if the business user has "Create Transaction" permission for Bill payments.
Add/Edit/Delete payees
- The Manage Payees tab is shown only if the business user has any one of the following feature actions:
  - Create Payee
  - View Payee
  - Delete Payee
- Based on the above permissions, on expanding a specific payee, the action buttons, Edit and Delete are available.
- The business user can view the list of payees if "View Payee" feature action permission under Bill Payment Service is enabled.
- The business user can create a payee or edit a biller if "Create Payee" feature action permission under Bill Payment Service is enabled.
- The business user can delete an existing biller if "Delete Payee" feature action permission under Bill Payment is enabled.

Beneficiary management for handling contract structure

A contract can have the following use cases and a user associated with the contract can be classified as:

Single Retail Customer ID (Retail)
Multiple Retail Customer IDs (Retail)
Single Business Customer ID (Business)
Multiple Business Customer IDs (Business)
Multiple Retail & Business Customer IDs (Combined)

Key points:

The beneficiaries are linked at a customer ID level.
A logged-in user can create/edit a beneficiary only if the user has permission for Create Beneficiary feature action under any of the following: Transfer/Bill Payment/Bulk payment/Domestic and International Wire/P2P.
User will have an option to share the beneficiary with other Customer IDs (to which the user has permission) or can associate it with one or multiple Customer IDs.
If the user has Edit permission, the user can edit the beneficiary also as stated above.
In case of Delete, if the user deletes a specific beneficiary, it will be deleted against all the customer IDs linked to it.
While making a payment, when a user selects a particular account based on the customer ID of the that account in the "To" field, all the beneficiaries are listed.
In the "Manage Beneficiary" feature, the beneficiaries are listed based on the customer IDs the user has access. Also, if the same beneficiary is available across multiple Customer IDs, the beneficiary appears once on the screen.
In addition to the customer ID level access, the beneficiary listing is based on the Feature level permission of the logged-in user.

Creating a Bill Payment Transaction

In addition to the current set of conditions applied, the application ensures that the accounts shown in the "Pay From" account list are the accounts to which the signed in user has access. This applies to all the tabs and pages from which Bill Payments can be created.

Bill Pay - Bulk

Acknowledgment screen shows different icons based on the status of payment - Success, Failed, Under Approval

Bill Payment - Add payee

A business user can pay bills to Registered Payees from the Add Payees page if the user has the "Create Transaction" permission for Bill payments.

UI impacted: Bill Payments - My Registered Payees section

Initiate a bill payment

Initiate a bill payment if "Bill Payment Services" feature action permission under Bill Pay Service is enabled.

Activate and deactivate e-billers

Activate and deactivate e-billers if "Bill pay Activate /Deactivate E-Bill" feature action permission under Bill Pay Service is enabled.

View history of bill paid

View history of bill paid if "View Bill payments" feature action permission under Bill Pay Service is enabled.

Initiate multiple bill payments

Initiate multiple bill payments to several billers in a single payment if "Bulk Bill Pay" feature action permission under Bill Pay Service is enabled.

Wire Transfer

A business user can do the following if the user has the required permissions:

Manage payees (add / delete / edit) for wire transfers.
Initiate wire transfers only from those accounts to which the user has been given access.

UI impacted: Wire Transfer pages

Quick Actions

Add Domestic accounts: Shown only if the user has "Manage Payees" access to Domestic Wire Transfers.

Add international accounts: Shown only if the user has "Manage Payees" access to International Wire Transfers.

Transfer Money Once: Show only if the user has "Create Transaction" permission to Domestic/International Wire Transfers.

View Account Information: Shown only if the user has "View/"Create Transaction" permission to Domestic/ International Wire Transfers.

Tabs

Transfer Money: Shown only if the user has "Create Transaction" permission to Domestic / International Wire Transfers.

Recent: Shown only if the user has "View"/ "Create Transaction" permission to Domestic / International Wire Transfers.

Manage Recipients: Shown only if the user has any one of the following feature action permissions in Domestic Wire Transfer / International Wire Transfers.
- View Recipient
- Create Recipient
- Delete Recipient

Recent tab

Repeat
- If Account Type = Domestic, shown only if the user has "Create Transaction" permission to Domestic Wire Transfers.
- If Account Type = International, shown only if the user has "Create Transaction" permission to International Wire Transfers

Manage Recipients tab

Transfer Money
- If Account Type = Domestic, shown only if the user has "Create Transaction" permission to Domestic Wire Transfers.
- If Account Type = International, shown only if the user has "Create Transaction" permission to International Wire Transfers.
Add/Edit/Delete Recipients
- The Manage Recipients tab is shown only if the user has any one of the following feature action permissions in Domestic Wire Transfer / International Wire Transfers. The Manage Recipient tab is common across domestic and international wire transfers. If the user does not have permission for all the following feature actions under both the features, the Manage Recipients tab will not be displayed. But if the user has the feature action permissions either under Domestic or International, the Manage Recipients section will be displayed.
  - View Recipient
  - Create Recipient
  - Delete Recipient
- Based on the above permissions, on expanding a particle recipient, the action buttons, Edit and Delete are available.
- The business user can view the list of recipients if "View Recipient" feature action permission under Domestic Wire Transfer or International Wire Transfer is enabled.
- The business user can Create/Edit a specific recipient if "Create Recipient" feature action permission under Domestic Wire Transfer or International Wire Transfer is enabled.
- The business user can delete an existing recipient if "Delete Recipient" feature action permission under Domestic Wire Transfer or International Wire Transfer is enabled.
- In case the user has only Domestic Wire Transfer permissions, recipients of International Wire Transfer are not displayed in Manage Recipients screen.

Beneficiary management for handling contract structure

A contract can have the following use cases and a user associated with the contract can be classified as:

Single Retail Customer ID (Retail)
Multiple Retail Customer IDs (Retail)
Single Business Customer ID (Business)
Multiple Business Customer IDs (Business)
Multiple Retail & Business Customer IDs (Combined)

Key points:

The beneficiaries are linked at a customer ID level.
A logged-in user can create/edit a beneficiary only if the user has permission for Create Beneficiary feature action under any of the following: Transfer/Bill Payment/Bulk payment/Domestic and International Wire/P2P.
User will have an option to share the beneficiary with other Customer IDs (to which the user has permission) or can associate it with one or multiple Customer IDs.
If the user has Edit permission, the user can edit the beneficiary also as stated above.
In case of Delete, if the user deletes a specific beneficiary, it will be deleted against all the customer IDs linked to it.
While making a payment, when a user selects a particular account based on the customer ID of the that account in the "To" field, all the beneficiaries are listed.
In the "Manage Beneficiary" feature, the beneficiaries are listed based on the customer IDs the user has access. Also, if the same beneficiary is available across multiple Customer IDs, the beneficiary appears once on the screen.
In addition to the customer ID level access, the beneficiary listing is based on the Feature level permission of the logged-in user.

Creating Transaction - Wire Transfer

In addition to the current set of conditions applied, the application ensures that the accounts showed in the "Pay From" account list are the accounts to which the signed in user has access. This applies to all the tabs and pages from which wire transfer can be initiated.

Wire Transfer - Add recipient

A business user can add the type of recipient (Domestic/International) based on the permission that the user has been given.

UI impacted: Wire Transfer pages

Tabs:

Domestic Account tab: Shown only if the user has "Manage Payee" permission to Domestic Wire Transfers.
International Account tab: Shown only if the user has "Manage Payee" permission to International Wire Transfers.

Quick Actions:

Transfer Money Once: Shown only if the user has "Create Transaction" access to Domestic Wire Transfers.

Wire Transfer - One-time Transfers

For a business user, selection of account type "Domestic" / "International" for a one-time wire transfer is based on the permissions given to the user.

UI impacted: Wire Transfer pages

Selection of Account type:

For a business user, selection of account type "Domestic" / "International" for a one-time wire transfer is based on the permissions given to the user. Selection of Account type is auto-selected and not changeable if the user has "Create Transaction" permission for only one of the following:

Domestic Wire Transfer
International Wire Transfer

Quick Actions:

Add Domestic accounts: Shown only if the user has "Manage Payees" access to Domestic Wire Transfers.
Add international accounts: Shown only if the user has "Manage Payees" access to International Wire Transfers.

Wire Transfer - View Account Info

A business user can select from only those accounts that the user has been given the permission to access in the view account information for wire transfers page. Besides other conditions that are already applied to the 'Account info drop down', the drop-down list shows only those accounts that the signed in user has been given access.

Wire Transfer - Combined Retail + Business

A combined user with access to both business and retails accounts, while initiating a wire transfer or managing payees can know the recipients that were added for personal use and the ones that were added for business use, and whether the accounts to which a wire transfer is to be initiated are personal accounts or business accounts.
Transfer Money: Shows a list of wire recipients. The application differentiates between personal and business recipients with specific icons.
Manage Recipients: Shows a list of personal and business recipients.
Create Wire Transfer: Selection of from account shows a differentiation between the personal and business accounts, and which recipients were added for personal and business use.

UI impacted: Wire Transfer pages

Account Settings

Account Settings - Account Preferences

A business user can control the setting for enabling or disabling e-statements and also setting or managing the e-mail address for the e-statements for the user's business. Other business users cannot change these settings unless they have been given the permission change.

The following sections in the account preferences are hidden for each account unless the user has "E-statement Management" permission:

Enable e-statements
Terms agreement
Changing the email address

Account Settings - Alert Preferences

A business user can control the alert preferences for all other users within the business and also delegate the management of alert preferences to other users within the business.

Alert preferences are set, managed, and applied commonly for users of a business.
Alert Preferences section in Account Settings is visible to those users who have the "Alert Management" permission.
Changes applied by any authorized person applies to all users of a business.

My Requests - Checks and Disputes

A user with necessary permissions can do the following:

View Stop Check Payments requests and Cancel the requests.
Raise new Stop Check Payments requests.
View Disputed Transactions and Cancel the dispute requests.

The My Requests page is accessible to users who have either of the following permissions:

Check Management - View
Dispute Transactions - View

Disputed Transactions

The tab is accessible only to users with "Dispute Transactions - View" permission.
Cancel: Dispute Transaction - Manage permission
Send a Message: Message - Create permission

Disputed Checks

The tab is accessible only to users with "Check Management" permission.
Cancel: Check Management - Add stop check payment
Send a Message: Message - Create permission

Add New Stop Check Payments Requests

This action is accessible to users with "Check Management - Add new stop check request" permission.

Users can view the list of only those disputed checks which are raised on the accounts for which they have “View Disputed Checks” permission.

When selecting from accounts, a clear distinction is available between the personal accounts and the business accounts - in the case where the user has combined access to both business and retail accounts.

Cards Management

A combined user with access to both business and retails accounts can view all cards of the signed in user including those that are for business use and for personal use based on the permissions that are assigned to the user.

Retail customer

Cards are associated with a user.
The card control actions are driven by the retail permissions only for the retail cards.

Business customer

Cards are associated with the company/business entity.
It is possible that all/few of these cards are assigned to business users belonging to the company.
Card control permissions (user level) applies to all the cards that the user has access.

Combined Retail + Business user

Retail Permissions applies on the cards that are meant for personal use.
Business Permissions applies for the cards that are meant for business use.
The card management module shows clear distinction been retail and business cards.

User Management

The User Management menu is available on the Hamburger menu only if a business user has any one of the following permissions:

Create Users
View Users
Manager users
Activate/Suspend User

The logged-in user can distinguish between self-user and other users in the user list. The logged-in user record is marked with (Me) after the name, for example - John (Me). In online banking application, maximum 15 characters of name is displayed and includes (Me) in case of the logged-in user. If the first name (which is displayed in online banking) is very long, the (Me) suffix part will be truncated. The user can only view the permissions and cannot edit own permissions even if "Manage Users" permission is enabled in User Management feature.

The following are the revised feature actions:

Feature Action	Description
View Users	This action is associated with permission for viewing all the users and their list of permissions.
Activate/Suspend Users	Single action is associated with permission for activating and deactivating a user.
Create Users	Associated with permission for creating a new user.
Manage Users	Associated with permission for editing an existing user. A business user can view the list of users and their account access and all the associated permissions.

Custom View

A business user can create custom views for the accounts to which the user has access to organize and categorize accounts for a preferred viewing purpose. The user can also create, manage, and delete the custom views if the user has the necessary permissions.

The Custom View option will be available to the user in the account dashboard and filters if "Custom View" permission is enabled.
The logged-in business user can create, edit, and delete a custom view if "Create/Manage Custom View" action feature under Custom View is enabled.

The feature actions, Create/ Manage Custom view will be available under Other Feature Permission and not under Account level permissions for any user.

Visibility of Features and Services - Mobile Native

Permissions based visibility is available to the following features and services of Mobile Native application for business users:

Visibility of features of Mobile Native application for business users

Module	Description	UI Impact
Account List on the Landing Page	The account dashboard shows only those accounts to which the user has been explicitly given access. In the account filters, only those accounts to which user has permission is shown.	Dashboard
Account Dashboard	The cash position is shown for the accounts to which the user has permission. Approval and Requests: Approval count is displayed on the dashboard if the user has permission for approval for transaction, ACH files or ACH transactions even for any one of the accounts. If the user has permission for create/edit action for Transactions, ACH Files or ACH Transactions even for any one of the accounts, Request count is displayed on the dashboard. If the user has either permission for approval or create /edit permission for any of the account - only one section is displayed on the dashboard. If the user does not have permission for approval and create/edit permission for any of the account – this whole section is not displayed. In the Hamburger menu, features/actions are listed based on the user's permission. In the quick menu, the most frequently used features of the user are displayed provided the user has the required permissions.	Dashboard
Account Details Page	The visibility of each of the actions on the account details page for every account type is controlled by the permissions as shown in the table.	Account Detail Page
Account Details – Transactions	A business user can do the following: See the Posted and Pending transactions in an account. Execute a Repeat Transaction action only on those transactions that the user has permissions to create. Visible if the user has "Create Transaction" Permission to the service through which the transaction has been created (Internal Fund Transfer / Third-Party Fund Transfer, etc.) Search Transactions in "search option’ with the following keywords - By Amount, Date, and Recipient.	Account Page
Transfer - New Flow	A business user can do the following: See Transfer option on dashboard/Hamburger menu only if user has permission to this feature. Clicking on Transfer, the user can see only those accounts in "From account" to which the user has "Create Transaction" permission for the following: Transfer between Customer's Accounts Intra Bank Fund Transfer Interbank Account to Account Fund Transfer International Account to Account Fund Transfer	Transfer Page
Transfer Activities	A business user can see all the past transfers such that, The user has been given access to the From account on which the transaction has been initiated. The transfer has been created by any business user on the account through the online channel. A business user can see Repeat Transaction if the user has "Create/Edit" permission on the associated service and access to the From account.	Transfer Page
Manage Recipients	A business user can do the following: See Manage Recipient option on dashboard/Hamburger menu only if the user has permission. Edit / Delete recipients: Visible if the user has "Manage Payee" Permission to any of the following services - Internal Fund Transfer and Third-party Fund Transfer Add Recipient: Visible only if the user has the permissions as shown in the table.	Recipient Page
Bill Payment	A business user can do the following: Manage payees (add / delete / edit) for Bill Payments only if the user has the permission to manage payees. Create bill payments only from those accounts to which the user has been given access. Repeat a particular Bill payment only if the user has the permission for Create Payment. Quick Actions Pay Bill - This action is shown only if the user has "Create Transaction" permission for Bill payments Manage - Clicking this button is based on the user permission and displays the following: All Payees - If user has "View Payees" permission for Bill payments. Add Payee - If user has "Add / Edit Payees" permission for Bill Payments. Pay Bill - If user has "Create / Edit Payments" permission for Bill Payments Activate E Bill - If User has "Activate E- Bill" permission for Bill Payments. Delete Payee - If user has "Delete Payees" permission for Bill Payments. Bill Pay landing page shows all the Posted Payments if the user has View Payment permission for Bill Payment if user has "Create Transaction" permission for Bill payments.	Bill Pay Page
ACH	A business user can, View ACH option on the Hamburger Menu only if the uses the permission to the feature. View/ approve ACH transactions and files based on the action level permissions. A business user must have any one of the following permissions in any of the accounts to which the user has access to view ACH option in the menu: If the user has permission for "Create /Edit Payment" in ACH Payments. If the user has permission for "Create /Edit Collection" in ACH Collections. If the user has permission for "Create /Edit Files" in ACH Files. If the user has permission for "Approval Payments" in ACH Payments. If the user has permission for "Approval Collection" in ACH collections. If the user has permission for "Approval Files" in ACH Files. A user having "Create/Edit" permission can see "Withdraw" button on the page. A user having "Approve" permission can see Approve and Reject buttons on the page. A user having create/edit permission can create/edit ACH transaction and files from mobile native application.	ACH Page
Approval and Request	A business user can see the Approval and Request option on dashboard and in Hamburger menu based on the permissions. For a user to see the Approval option, the user must have permission for the following action features in at least any one of the accounts the user has access: Approve permission in any of the Transfer/payment flow Approve permission in ACH payment or ACH Collections Approve permission in ACH Files For a user to see Request option, the user must have permission for the following action features in at least any one of the accounts the user has access: Create / Edit permission in any of the Transfer/payment flow. Create/edit permission in ACH payment or ACH Collections. Create /edit permission in ACH.	Hamburger Menu and Landing page
Manage User	A business user can do the following if the user has the required permission: View Manage User option on the Hamburger menu. This option will be available in the Hamburger Menu if User Management feature is enabled for the Business User. The user can view other users and their account level permissions only if User Management View and User Management permissions under User Management feature is enabled. If the user has only User Management View permission under User Management, then only the list of users can alone be viewed. Activate/suspend a user based on the action level permission. To Activate / suspend a user, a business user must have "User Management Activate" and "User Management Suspend" action permissions under the User Management feature. Note: Even if a user has "User Management" permission enabled under User Management, the user cannot edit any existing permissions under section: Account Level permissions, Other Feature Permissions and Transaction limits.	Manage User Page
Card Management	A business user can see the Card Management option on the Hamburger Menu only if the user has permission to the feature. If the user has permission for "Card Management" feature, the user can see this feature in the Hamburger menu. If the user has permission for "Replace Card" action in "Card Management", the option is enabled on the screen. If the user has permission for "Lock/unlock card" action in Card Management, the option is enabled on the screen. If the user has permission for "Report Lost /Stolen" action in "Card Management", the option is enabled on the screen. If the user has permission for "Change Pin" action in "Card Management", the option is enabled on the screen. If the user has permission for "Stop/Cancel Card" action in Card Management, the option is enabled on the screen.	Card Management Page
Cheque Management	A business user can see the Cheque Management option on the Hamburger Menu only if the user has permission to the feature. If the user has permission for "Cheque Management" feature, the option is enabled on the Hamburger menu. If a user has the above request, the user can view "My Cheque Status". If a user has permission for "Create/edit a Cheque Book Request" action in "Cheque Management", the option is enabled on the screen. Based on the above permission, the user can view the Summary of the Cheque Book Request. If the user has permission for "Create/edit New Stop Cheque Request" action in "Cheque Management", the option is enabled on the screen. Based on the above permission, the user can view the Summary of the Stop Cheque Request. If the User has permission for "revoke request" action in "Cheque Management", the option is enabled on the screen.	Cheque Management Page
Check Deposit	The permissions are tied at the account level. A business user can see the Check Deposits option on the Hamburger Menu only if the user has permission to the feature and the user can upload the check images from a mobile device. If a user has permission for "Remote Deposit Capture" feature, the user can see this feature on the Hamburger menu. If a user has permission for "RDC" in Remote Deposit Capture, the "New Check Deposit" button is displayed on the screen. The user can view Pending and Posted Transaction on the landing page. The user can view the history of cheques submitted in the action if RDC feature action permission under RDC is enabled.	Check Deposit
Settings	A business user can see the Settings option on the Hamburger Menu always and can edit the account and Profile Setting based on the user's permissions. Settings option is always available on the Hamburger Menu. Profile Settings: A user should have Update Profile Settings permission enabled in Profile setting to edit the following: User name Password Language A user cannot edit personal details in Profile settings even if "Update Profile Settings" permission is enabled. Account Settings: A user can view all the accounts in Account Settings to which the user has access. To Edit Nickname of an Account (to which the user has access), the user must have "Manage Account Setting" permission under Account Settings feature. To enable E-Statement of an account (to which the user has access), user must have "Manage Account Setting" permission under Account Settings feature.	Account Setting & Profile Settings
Feedback	A business user can see the Feedback option on the Hamburger Menu only if the user has permission to the feature and can send a feedback from the mobile application. If a user has permission to "Feedback" feature, the user can see the feature on the Hamburger menu. If a user has permission for "Submit Feedback" in Feedback feature, the user can click on feedback button and submit the feedback about the application.	Feedback in Hamburger menu
Withdraw Cash	A business user can initiate and manage a card less cash withdrawal transaction from the mobile application if the user only has the permission. The permissions are tied up at the account level. The Card less Cash option will be available if "Withdraw Cash" permission is enabled. The user can initiate a card less cash in the account for which he has access to if "Card less Cash Withdraw" feature action permission under Withdraw Cash is enabled. The user can view the history of card less withdrawals if "View summary" feature action permission under Withdraw Cash is enabled.	Cardless Cash Withdrawal
Personal Finance Management (PFM)	My Money option in the Hamburger menu will be available if "Personal Finance Management" permission is enabled for the user. This feature is retail specific. By creating a feature for business banking, this feature can be turned off for a business user. When the feature is turned off, My Money option will not appear in the Hamburger menu of mobile application. By default it is switched off for a business user.	Business Widgets on Dashboard

Account Details Visibility Conditions

Account Type	Actions	Conditions for Visibility
Savings	Withdraw Cash	If the user has Withdraw Cash permission.
	View Statements	--
	Make Transfer	New flow If the user has "Create Transaction" permission for any of the following: Transfer between Customer's Accounts Intra Bank Fund Transfer Interbank Account to Account Fund Transfer International Account to Account Fund Transfer
	Request Cheque Book	If the user has "Cheque Management - Create a Cheque Book Request" permission.
	New Stop Cheque Request	If the user has "Cheque Management - New Stop cheque request" permission.
	Call Bank	If the user has Withdraw Cash permission. The permission is tied up at user level.
	Message Bank	If the Use has permission for "Message Bank".
Checking Account	Withdraw Cash	If the user has Call Bank permission. The permission is tied up at user level.
	View Statement	--
	Make Transfer	New flow If the user has "Create Transaction" permission for any of the following: Transfer between Customer's Accounts Intra Bank Fund Transfer Interbank Account to Account Fund Transfer International Account to Account Fund Transfer
	Request Cheque Book	If the user has "Cheque Management - Create a Cheque Book Request" permission.
	New Stop Cheque Request	If the user has "Cheque Management - New Stop cheque request" permission.
	Call Bank	If the user has Withdraw Cash permission. The permission is tied up at user level.
	Message Bank	If the user has permission for "Message Bank".
Credit Card	Make a Payment	If the user has "Create Transaction" permission for -Transfer between Customer's Accounts.
	View Statement	--
	Call Bank	If the user has Call Bank permission.
	Message Bank	If the user has permission for "Message Bank".
Loan/ Mortgage	Pay Due Amount	If the user has "Create Transaction" permission for -Transfer between Customer's Accounts.
	View Statement	--
	Call Bank	If the user has Call Bank permission.
	Message Bank	If the user has permission for "Message Bank".
Deposit	New Deposit	--
	View Statement	--
	Call Bank	If the user has Withdraw Cash permission. The permission is tied up at user level.
	Message Bank	If the user has permission for "Message Bank".

Add Recipients Visibility Condition

Transfer Option	Conditions for Visibility
Add Within Bank Recipient	If the user has "Create Transaction" permission for Internal Fund Transfers.
Add Other Bank Recipient	If the user has "Create Transaction" permission for 3rd Party Fund Transfers.
Add International Recipient	If the user has "Create Transaction" permission for 3rd Party Fund Transfers.

User and Account Level Permission to Features for Business Users

A financial institution (FI) can allow all the FI level controls on permissions and transaction limits to be set for internet banking user with combined access to both business and retails accounts.

Item	Description	Details
User Permissions	A financial institution (FI) can allow all the FI level controls on permissions to be set for internet banking user with combined access to business and retails accounts.	Retail Users Retail users inherit permissions from two sources: From roles: One or more roles and Role type = Retail. Permissions assigned to them outside of the role: These are applicable over and above the permissions that come from the role. All these permissions are available for every personal account of the user. Business Users Business users inherit permissions from two sources and the user permissions are derived using the most restrictive rule: From roles: One Role only and Role type = Business. Permissions allowed to the Business / Company. Additionally, permission restrictions added on top of the above derived set. Combined Users Account level permissions from retail roles / additional permissions added are applicable only on personal accounts. Account level permissions from business role and company are applicable only on the business accounts. Permission restrictions can only be applied at account and feature level for business accounts. User level permissions from retail roles / additional permissions added to the customer profile are applicable for user’s personal use only. User level permissions from business role and company are applicable for business use only.
Transaction Limits	An FI can allow all the FI level controls on transaction limits to be set for internet banking user with combined access to business and retails accounts.	Retail Accounts Retail users inherit transaction limits from two sources: One or more roles having limits set for the same action - most restrictive rule is used. External permissions applied outside of the roles - Action level limits are used. Business Accounts Business users inherit transaction limits from two sources: Roles having limits set for the same action and company limit on the same feature - most restrictive rule is used to find the max transaction limit. Transaction limit restrictions added on top of the above derived set (via limit set for auto-denial of transactions) at per account and feature levels.

Item

Description

Details

User Permissions

A financial institution (FI) can allow all the FI level controls on permissions to be set for internet banking user with combined access to business and retails accounts.

Retail Users

Retail users inherit permissions from two sources:

From roles: One or more roles and Role type = Retail.
Permissions assigned to them outside of the role: These are applicable over and above the permissions that come from the role.

All these permissions are available for every personal account of the user.

Business Users

Business users inherit permissions from two sources and the user permissions are derived using the most restrictive rule:

From roles: One Role only and Role type = Business.
Permissions allowed to the Business / Company.

Additionally, permission restrictions added on top of the above derived set.

Combined Users

Account level permissions from retail roles / additional permissions added are applicable only on personal accounts.
Account level permissions from business role and company are applicable only on the business accounts. Permission restrictions can only be applied at account and feature level for business accounts.
User level permissions from retail roles / additional permissions added to the customer profile are applicable for user’s personal use only.
User level permissions from business role and company are applicable for business use only.

Transaction Limits

An FI can allow all the FI level controls on transaction limits to be set for internet banking user with combined access to business and retails accounts.

Retail Accounts

Retail users inherit transaction limits from two sources:

One or more roles having limits set for the same action - most restrictive rule is used.
External permissions applied outside of the roles - Action level limits are used.

Business Accounts

Business users inherit transaction limits from two sources:

Roles having limits set for the same action and company limit on the same feature - most restrictive rule is used to find the max transaction limit.
Transaction limit restrictions added on top of the above derived set (via limit set for auto-denial of transactions) at per account and feature levels.

The following table is a sample used for reference purpose showing the list of all user level and account level permissions to the set of actions per feature applied for business users. An authorized user can configure the permissions to features and corresponding actions at the user level.

This is only a sample table and used for reference purposes only.

List of feature and actions.

Feature	Action	Account Level	Mandatory Action	OLB Feature	Mobile Feature	Feature Type	Mandatory / Optional Feature for Companies
Transfer to own Account within the FI	View Transfers	Yes	Mandatory	Yes	Yes	Retail Customer Business User	Optional
	Create / Edit Transfers	Yes	Optional	Yes	Yes
	Approve Transfers	Yes	Optional	Yes	Yes
	Self Approval	Yes	Optional	Yes	Yes
Transfer to other accounts in the same FI	View Transfers	Yes	Mandatory	Yes	Yes	Retail Customer Business User	Optional
	Create / Edit Transfers	Yes	Optional	Yes	Yes
	Approve Transfers	Yes	Optional	Yes	Yes
	View Recipients	Yes	Optional	Yes	Yes
	Add / Edit Recipients	Yes	Optional	Yes	Yes
	Delete Recipients	Yes	Optional	Yes	Yes
	Self Approval	Yes	Optional	Yes	Yes
Transfer to accounts in other FIs	View Transfers	Yes	Mandatory	Yes	Yes	Retail Customer Business User	Optional
	Create / Edit Transfers	Yes	Optional	Yes	Yes
	Approve Transfers	Yes	Optional	Yes	Yes
	View Recipients	Yes	Optional	Yes	Yes
	Add / Edit Recipients	Yes	Optional	Yes	Yes
	Delete Recipients	Yes	Optional	Yes	Yes
	Self Approval	Yes	Optional	Yes	Yes
International Transfers	View Transfers	Yes	Mandatory	Yes	Yes	Retail Customer Business User	Optional
	Create / Edit Transfers	Yes	Optional	Yes	Yes
	Create / Edit One Time Transfer	Yes	Optional	Yes	Yes
	Approve Transfers	Yes	Optional	Yes	Yes
	View Recipients	Yes	Optional	Yes	Yes
	Add / Edit Recipients	Yes	Optional	Yes	Yes
	Delete Recipients	Yes	Optional	Yes	Yes
	Self Approval	Yes	Optional	Yes	Yes
Domestic Wire Transfers	View Transfers	Yes	Mandatory	Yes	No	Retail Customer Business User	Optional
	Create / Edit Transfers	Yes	Optional	Yes	No
	Approve Transfers	Yes	Optional	Yes	No
	View Recipients	No	Optional	Yes	No
	Add / Edit Recipients	No	Optional	Yes	No
	Delete Recipients	No	Optional	Yes	No
	Self Approval	Yes	Optional	Yes	No
	View Bulk Files	Yes	Optional	Yes	No
	Upload Bulk Files	No	Optional	Yes	No
	View Bulk Templates	No	Optional	Yes	No
	Create / Edit Templates	No	Optional	Yes	No
	Delete Templates	No	Optional	Yes	No
International Wire Transfers	View Transfers	Yes	Mandatory	Yes	No	Retail Customer Business User	Optional
	Create / Edit Transfers	Yes	Optional	Yes	No
	Approve Transfers	Yes	Optional	Yes	No
	View Recipients	No	Optional	Yes	No
	Add / Edit Recipients	No	Optional	Yes	No
	Delete Recipients	No	Optional	Yes	No
	Self Approval	Yes	Optional	Yes	No
	Bulk Wire	Yes	Optional	Yes	No
	View Bulk Files	No	Optional	Yes	No
	Upload Bulk Files	No	Optional	Yes	No
	View Bulk Templates	No	Optional	Yes	No
	Create / Edit Templates	No	Optional	Yes	No
	Delete Templates	No	Optional	Yes	No
Euro flow: Money movement - within same Bank	View Transfers	Yes	Mandatory	Yes	Yes	Retail Customer	Optional
	Create / Edit Transfers	Yes	Optional	Yes	Yes
	Approve Transfers	Yes	Optional	Yes	Yes
	Self Approval	Yes	Optional	Yes	Yes
Euro Flow: Money movement- other Bank	View Transfers	Yes	Mandatory	Yes	Yes	Retail Customer	Optional
	Create / Edit Transfers	Yes	Optional	Yes	Yes
	Create / Edit One Time Transfer	Yes	Optional	Yes	Yes
	Approve Transfers	Yes	Optional	Yes	Yes
	View Recipients	Yes	Mandatory	Yes	Yes
	Add / Edit Recipients	Yes	Optional	Yes	Yes
	Delete Recipients	Yes	Optional	Yes	Yes
	Self Approval	Yes	Optional	Yes	Yes
Euro Flow: Send money (from manage recipient page)	View Transfers	Yes	Mandatory	Yes	Yes	Retail Customer	Optional
	Create / Edit Transfers	Yes	Optional	Yes	Yes
	Approve Transfers	Yes	Optional	Yes	Yes
	Self Approval	Yes	Optional	Yes	Yes
Bill Payments	View Payments	Yes	Mandatory	Yes	Yes	Retail Customer Business User	Optional
	Create / Edit Payments	Yes	Optional	Yes	Yes
	Activate E-Bill	No	Optional	Yes	Yes
	De-activate E-Bill	No	Optional	Yes	Yes
	Approve Payments	Yes	Optional	Yes	Yes
	View Payees	Yes	Optional	Yes	Yes
	Add / Edit Payees	Yes	Optional	Yes	Yes
	Delete Payees	Yes	Optional	Yes	Yes
	Activate Bill Pay Service	No	Optional	Yes	No
	De-activate Bill Pay Service	No	Optional	Yes	No
	Self Approval	Yes	Optional	Yes	Yes
ACH Payments	View Payments	Yes	Mandatory	Yes	Yes	Business User	Optional
	Create / Edit Payments	Yes	Optional	Yes	No
	Approve Payments	Yes	Optional	Yes	Yes
	View Payment Templates	Yes	Optional	Yes	No
	Create / Edit Payment Templates	Yes	Optional	Yes	No
	Delete Payment Templates	Yes	Optional	Yes	No
	Self Approval	Yes	Optional	Yes	Yes
ACH Collections	View Collection	Yes	Mandatory	Yes	Yes	Business User	Optional
	Create / Edit Collection	Yes	Optional	Yes	No
	Approve Collection	Yes	Optional	Yes	Yes
	View Collection Templates	Yes	Optional	Yes	No
	Create / Edit Collection Templates	Yes	Optional	Yes	No
	Delete Collection Templates	Yes	Optional	Yes	No
	Self Approval	Yes	Optional	Yes	Yes
ACH Files	View Files	Yes (Non-monetary)	Mandatory	Yes	Yes	Business User	Optional
	Upload Files	Yes (Non-monetary)	Optional	Yes	No
	Approve Files	Yes (Non-monetary)	Optional	Yes	Yes
User Management	User Management (manage user)	No	Mandatory	Yes	Yes	Business User	Mandatory
	User Management Activate	No	Optional	Yes	Yes
	User Management Create	No	Optional	Yes	No
	User Management Delete	No	Optional	No	No
	User Management Suspend	No	Optional	Yes	Yes
	User Management view	No	Optional	Yes	Yes
Custom Roles	View Custom Roles	No	Mandatory	Yes	No	Business User	Mandatory
	Create / Edit Custom Roles	No	Optional	Yes	No
	Apply Custom Role	No	Optional	No	No
	Delete Roles	No	Optional	No	No
Card Management	View Card	No	Mandatory	Yes	Yes	Retail Customer Business User	optional
	Lock / Unlock Card	No	Optional	Yes	Yes
	Replace Card	No	Optional	Yes	Yes
	Report Lost / Stolen	No	Optional	Yes	Yes
	Change PIN	No	Optional	Yes	Yes
	Stop / Cancel Card	No	Optional	Yes	Yes
Travel Notification	Travel Notifications	No	Mandatory	Yes	Yes	Business User Retail Customer	Optional
Dispute Transactions	Dispute Transaction	Yes (Non-monetary)	Optional
	View & Manage Disputes Transaction	Yes (Non-monetary)	Mandatory
Check Management	Create/Edit a Cheque Book Request	Yes (Non-monetary)	Optional	Yes	Yes	Retail Customer Business User	Optional
	View Cheque Book request Summary	Yes (Non-monetary)	Mandatory	Yes	Yes
	Create/Edit New Stop Cheque Request	Yes (Non-monetary)	Optional	Yes	Yes
	View Disputed Checks	Yes (Non-monetary)	Mandatory	Yes	Yes
	Revoke Request	Yes (Non-monetary)	Optional	Yes	Yes
	View Stop Cheque summary	Yes (Non-monetary)	Mandatory	Yes	Yes
	My Cheque Status	Yes (Non-monetary)	Mandatory	Yes	Yes
Account Settings	View Account Settings	No	Mandatory	Yes	Yes	Retail Customer Business User	Mandatory
	Manage Account Settings	No	Optional	Yes	Yes
	Manage Account Settings			Yes	Yes
Profile Setting	View Profile Setting	No	Optional	Yes	Yes	Retail Customer Business User	Mandatory
Profile Setting	Update Profile Setting	No	Mandatory	Yes	Yes	Retail Customer Business User	Mandatory
Approval Management	View Approval Matrix	No	Mandatory	Yes	No	Business User	Mandatory
	Manage Approval Matrix	No	Optional	Yes	No	Business User	Mandatory
Account Aggregation	Add External Accounts	No	Mandatory	Yes	Yes	Retail Customer	optional
Account Aggregation	Manage External Accounts	No	Optional	Yes	Yes	Retail Customer	optional
New Account Opening	Open New Account	No	Mandatory	Yes	Yes	Retail Customer	optional
Personal Finance Management	Personal Finance Management	No	Mandatory	No	No	Retail Customer	optional
Call Bank	Call Bank	Yes	Mandatory	Yes	Yes	Retail Customer Business User	Mandatory
Message Bank	Create Message	No	Optional	Yes	Yes	Retail Customer Business User	Optional
	Delete Message	No	Optional	Yes	Yes
	Reply Message	No	Optional	Yes	Yes
	View Message	No	Mandatory	Yes	Yes
Withdraw Cash	Withdraw Cash	Yes	Optional	No	Yes	Retail Customer	Optional
Manage E Statement	Manage E-Statement	Yes	Mandatory	Yes	Yes	Retail Customer Business User	Optional
Remote Deposit capture	RDC	No	Mandatory	No	Yes	Retail Customer Business User	Optional
Feedback	Submit Feedback	No	Mandatory	Yes	Yes	Retail Customer Business User	Mandatory

In this topic

Products

Ecosystem

Technology

Other Product documentation

Permissions Based Access to Features

Role Mapping to Features

Visibility of Features and Services - Responsive Web

Accounts List (Dashboard)

Account Details

Account Details - Actions

Transactions - All / Transfers / Deposits / Withdrawals

Account Details - Scheduled Transactions

Menus - Top and Hamburger

Transfers

Transfers - Transfer Money

Transfers - Recent and Scheduled

Transfers - Recipients

Transfers (New Money Movement Flow) - Top Menu - Transfers and My Bill

Transfers (New Money Movement Flow) - Hamburger Menu

Transfers (New Money Movement Flow) - Accounts Dashboard - Quick Links

Transfers (New Money Movement Flow) - Account Details Page - Quick Links

Transfers (New Money Movement Flow) - Quick Links in the Transfers Flow

Transfers (New Money Movement Flow)

Transfers - Add New Recipients

Transfers - Transfer Activities - Scheduled Transfers

Transfers - Transfer Activities - Past Transfers

Transfers - Repeat Transfer

Transfers - Manage Recipients tab

Bill Payment

Quick Actions

Tabs

Bill Pay - Scheduled Tab

Bill Pay - History Tab

Bill Pay - Manage Payees tab

Creating a Bill Payment Transaction

Bill Pay - Bulk

Bill Payment - Add payee

Initiate a bill payment

Activate and deactivate e-billers

View history of bill paid

Initiate multiple bill payments

Wire Transfer

Wire Transfer - Add recipient

Wire Transfer - One-time Transfers

Wire Transfer - View Account Info

Wire Transfer - Combined Retail + Business

Account Settings

Account Settings - Account Preferences

Account Settings - Alert Preferences

My Requests - Checks and Disputes

Cards Management

User Management

Custom View

Visibility of Features and Services - Mobile Native

User and Account Level Permission to Features for Business Users