Token management, as a Customer

Token management: As a Customer, I want to

Enroll to wallet

Tokenisation API

"to come"

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Dispute, as a Customer

Dispute: As a Customer, I want to

Raise a dispute case for a transaction and add receipt as a proof

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Transactions, as a customer

Transactions: As a customer, I want to

See a list of all transactions on different level of Corporate account/s

List operations for an account

The issuer can provide the “amount due” model, the minimum amount and the % in case of partial payer

See the transaction details

See the operations for my next statement

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Credit Account: as a customer, I want

Credit Account: As a customer, I want to

Change the credit limit

Close the credit card

Close card contract

(case of additional card)

or

Close contract

(if all cards of a contract must be closed)

Add a supplementary card to my card credit

Set up individual pricing for a specific customer

Create a consumer contract

The issuer can provide the fee models for a specific customer (account fee model, card fee model, membership fee model, account setup fee model)

See the customers payment free months

Change the minimum payment amount

Update account parameters

The issuer can provide the “amount due” model, the minimum amount and the % in case of partial payer
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Instant issuing

Instant issuing

As a customer, I want to issue card without plastic, to be used immediately

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Product Features. As a Customer,

Product Features. As a Customer, I want to

Change my embossing name

Update card contract

The change applies then for all next cards

Replace Card

The change applies only for the next card

Activate my card

Change my cash withdraw limit

Change my internet usage limit

Deliver card using express priority

Create a consumer contract

The issuer can provide the sending mode if a physical card (card order) is requested. Default sending mode is retrieved from configuration.

Change the delivery method of my card

Initial card creation:

Create a consumer contract

The issuer can override the delivery method for the first card. OR The issuer provides the distribution model reference for all next cards

For the next cards:

Update card contract

The issuer provides the distribution model reference for all next cards

Replace card

The issuer can override the delivery type for the current card and the delivery address

My card delivered to a temporary address

Replace card

The issuer can provide an address for the card replacement

Card renewal with the same card number (card not working)

Replace card

The issuer provides the replacement reason corresponding a card not working

Choose a PIN for a new Card

Get PIN digitally

Receive PIN reminder/view PIN

Change PIN delivery method

Initial card creation:

Create a consumer contract

The issuer can override the delivery method for the first PIN. OR The issuer provides the distribution model reference for all next PINs

For the next cards:

Update card contract

The issuer provides the distribution model reference for all next cards

Replace card

The issuer can override the delivery type for the current card and the delivery address

Block by card, as I have lost it

Unblock my card, as I reported it lost but now I have found it

I want to terminate my card

New validity period (card renewal with same card number)

Replace card

The expiry date can be overridden if this is allowed in the configuration

Change my spending limit

Change all addresses for my family

Transfer funds from my Credit card account to Bank Account

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Back Office team/Card Boarding Department

Back Office team/Card Boarding Department: As a customer, i want to

Order debit card

Create a consumer contract

The issuer should provide the corresponding debit product reference

Issue card without plastic, to be used immediately

Create a consumer contract

The issuer should provide the corresponding product reference

Add new cards to existing accounts

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Use Case Mapping

Use Case Mapping

As a Customer, I want to

As a Customer, I want to

As a Customer, I want to

As a Customer, I want to

As a Customer, I want to

As a Customer, I want to

As a Bank employee, I want to

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Buy Now Pay Later

Buy Now Pay Later

Buy now, pay later is a payment method that allows consumers to buy a product immediately and pay later. This payment method is gaining popularity around the world, especially among younger consumers.

Buy Now Pay Later works like this: Consumers make purchases online or in-store, then select the Buy Now Pay Later payment method. The consumer can then select a later payment date that is convenient to him. Depending on the terms of the contract, fees or interest may apply to this payment method.

Buy now, pay later offers consumers several benefits, including the ability to defer payments to a later date, which can help during temporary financial hardship. Additionally, consumers can better manage their budgets by spreading payments over multiple months.

Pay later usage are rising

globe

Global sales using Buy Now Pay Later reach €93B in 2020

growth

Will exceed €181B in 2022, and would reach 10X this volume in 2025

profile

75% of Buy Now Pay Later users are aged 18-36

How does it work ?

Instalment via push notification
phone and card

In the moment of card purchase, the banking app receives a push notification

phone

User can tap on it, see the details and select an instalment plan

phone

Split of transactions confirmed in banking app

Card control

Card control

Card Control enables the cardholder to manage his card in real-time. Cards can be managed via the banking app or online banking through our APIs

The cardholder knows best his habits and preferences for card usage. Card Control allows him/her to customize a card in different aspects. Some examples: set card limits on different channels – in-store/online/contactless payments, cash withdrawals at ATM. As well it is possible to block chosen payment channels or certain merchant categories (e.g., casinos, liquor store, etc.). Geographical reach can also be controlled: countries can be blocked or enabled for card payments. All the mentioned features can be set for a specific period of time. Altogether, a variety of features and its combination provide a detailed customization.

Thanks to a comprehensive customization, Card Control becomes a first step towards risk mitigation. Through spending limit management, country and merchant category blocks, spend notifications, etc. the cardholder gets alert about fraudulent activities and can prevent it. Next to this, extensive card self-management options lead to fewer disputes and a lower number of calls to the customer care center.

iphone

The cardholder loses a physical card. He/she opens the banking app and blocks the cards easily.

card

A new card is issued instantly. The cardholder customizes it by setting spending limits, blocking some merchants and activating notifications?

globe

The cardholder is getting ready for a trip. Before travelling, he/she activates payments by his/her card in specifi countries.

How it works ?

 

Card Control allows the cardholder to personalize his card overriding the issuer specific standard settings. The customization is achieved by updating and overriding cards authorization restrictions and velocity limits.

Each authorization restriction override is based on an existing authorization restriction. First step is to retrieve the authorizationRestrictionReference through the list of existing authorization restriction by calling the API List of authorization restriction for account. Second step is to modify the authorization restriction using the API Create authorization restriction override. The override created could be then updated using the appropriate API. 

Similar process applies to velocity limits. A default velocity limit could be overwritten by Velocity limit overrides API that allows to modify number and amount of authorizations allowed for a specific time period. The override created could be then updated and deleted using the appropriate API.