1.1 Retail & Corporate Features

The following enhancements have been made in the retail or corporate module in this release.

Table 1-1 Enhancements in Retail & Corporate

Enhancements	Description
Account Activity Enhancements	Pending Transactions List Added a dedicated view on the Transactions screen to display transactions received by the payment product processor but not yet processed, with a separate pending count and drill-down list of transactions. This is applicable to Current & Savings accounts only; available out-of-box for Cloud setup—on prem implementation to be handled by the bank. Search Transactions by Description Introduced a description-based search on the Transactions screen, enabling users to quickly find account activity using keywords/phrases. Display Account Balance for User-selected Date Enabled users to view account balances as of a selected date on the Account Listing page, showing Current/Available balances for today, and Opening/Closing balances for prior dates (based on configured transaction history range). If no account was opened on the selected date, an appropriate message is shown. Grouping of Transactions on Account Statement Enhanced transaction listing with clearer visualization like credits are highlighted in bold and transactions can be optionally grouped month-wise via a filter switch (sorting applies within each month and pagination is replaced with a single scrollable list). Grouping available for Current & Savings, Loan and Deposit accounts; not supported in PDF downloads. Also, added options on the Transactions screen to initiate payments and view outgoing payments for the selected account. Display Transaction Code-based Logo Added transaction category/code-based logos in Account Activity, displaying a mapped logo per transaction with a default logo fallback when no mapping exists. This functionality includes a new administrator maintenance screen to manage logo-to-transaction category mappings.
Bonds Overview and Details	Added a configurable Bonds widget and relationship card to show bond holdings summary, with navigation to a detailed bonds view and date-based filtering.
View and Copy Account & Card Details	Enabled Retail and Corporate users to securely view and copy masked account/card details, with unmasking protected by configured 2FA and copy-to-clipboard options. Also, a “Copy All Details” feature is added where specific information can be copied for accounts and deposits.
Digital Management of Debit Cards	Expanded debit card servicing to self-service, enabling customers to view/manage cards, limits, block (temporary/permanent), replacement, PIN actions, activation and card upgrades without raising service requests.
Transaction Authorization for POS Card Payments	Introduced real-time approve/reject flow for retail card payments via push/email notifications. This will allow customers to authorize merchant/POS transactions within a configurable expiry window. Post request expiry, the transaction will be automatically cancelled or expired.
Automatic Retail User Onboarding	Introduced automatic retail user onboarding in OBDX upon CIF creation in the product processor. Once a CIF and at least one account are created, an automated notification (including CIF) triggers end-to-end onboarding. A new application initiation flag enables digital banking services for eligible customers, with configurable Day‑0 parameters to auto-provision username format, roles, limit packages, touchpoints and entity assignment. Banks can also configure the onboarding flow at user-type level (IDCS-originated/SCIM vs OBDX-originated) through Global Settings in System Configuration. Added a Digital Banking Auto‑Onboarding Status Report with flexible filters to monitor success/failure trends and support operational follow-up.

Table 1-2 Enhancements in Platform Framework

Enhancements	Description
Numeric Input Keypad Enablement	Introduced numeric keypads for Amount and OTP inputs to speed up entry and reduce errors. Supports both a standard 0–9 keypad (e.g., PIN) and an amount keypad with 0–9 plus comma and decimal for monetary values.
SMS Notification for New User Setup	Provision to trigger SMS notifications to customers for key events such as new user setup and forgotten password, ensuring timely communication and enhanced security.
Notification for Planned and Unplanned Maintenance	Introduced new feature to display prominent maintenance or ad hoc/broadcast alerts immediately upon user login, ensuring visibility without navigating menus or inboxes. Bank Admins can configure validity period, priority, target audience (all users or specific groups), and activate/deactivate messages as needed.
Provision to skip 2FA for Biometric Login	When users login via registered biometric methods (fingerprint/face recognition), they can be exempted from the additional 2FA step, enabling faster sign-in while maintaining secure access controls and a streamlined login experience.
Auto Biometric Login on Mobile	A provision is given to handle continuous login–logout loop when Face ID (or any biometric login) is enabled. If Face ID is set, then automatic login happens upon app launch and after the user logs out, an intermediate logout page is shown instead of directly redirecting to the biometric login page, preventing auto re-login.
Customer Data Migration	Introduced a migration capability to move customer data (Payees, Users, GCIF) along with associated rules and workflows to a new environment, ensuring data integrity and a smooth, end-to-end transition.
Anonymous Entitlements on Role Maintenance Screen	Enhanced the Role Maintenance screen to support an “Anonymous Role” user type. When selected, all anonymous entitlements are available in Role Maintenance create and update, grouped under the General Access Entitlement category with the appropriate subcategories.
System Configuration Revamp and Entity Maintenance	Revamped system configuration into a dedicated microservice and migrated existing module configurations to the new architecture. Administrators can now manage entities via the Entity Maintenance screen, with options to view the entity list as well as add, edit or view entity details.
Introduction of Persona Maintenance	Introduced a Persona Maintenance screen to view, create and update Personas mapped to enterprise roles, defining user responsibilities within the application. Persona-based restrictions control user creation e.g., System Administrators can create only Bank/System Administrators; Bank Administrators can create only Retail/Corporate users. Personas are applicable across Report Mapping, Mailers, Limit Package and Transaction Working Window transactions.
Multiple Drafts & Parallel Administrator Updates	Enabled multiple independent drafts per GCIF/CIF so Bank and Corporate Administrators can work in parallel on maintenance/ onboarding activities. Also, added record-level locking to prevent conflicting updates while preserving data integrity.