User Journeys

The following flow diagrams provide a high-level understanding of the user journeys in Retail Origination.

• Creating a new application
• Resuming an application

Creating a new application

Retail Onboarding

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

  

• Non-Existent User With Co-Applicant: This scenario applies to a new user who wants to open a new account, with a co-applicant.
  The following flow diagram illustrates the Origination app flow in this scenario.
  

  

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

  

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

  

Retail Lending

• New User Without Co-Applicant: This scenario applies to a new user who wants to apply for a loan product, without any co-applicant.
  The following flow diagram illustrates the Origination app flow in this scenario.

  

• New User With Co-Applicant: This scenario applies to a new user who wants to apply for a loan product, with a co-applicant.
  The following flow diagram illustrates the Origination app flow in this scenario.

  
  
  

• Existing User Without Co-Applicant: This scenario applies to an existing customer of the bank who wants to apply for a loan product, without a co-applicant.
  The following flow diagram illustrates the Origination app flow in this scenario.

  

• Existing User With Co-Applicant: This scenario applies to an existing customer of the bank who want to apply for a loan product, with co-applicant.
  The following flow diagram illustrates the Origination app flow in this scenario.

  

Resuming an application

This scenario is applicable when a user resumes an application that is not fully completed. The following flow diagram illustrates the Resume Application flow in the Infinity Origination app.