This topic describes the information on the defined stages through which the Savings Account Application has to flow before it is ready to be sent to the Host for Account Creation.

As detailed in the Operations User Guide, all the Product Originations are initiated in the Application Initiation stage from the Product Catalogue. The Cart Operation in Product Catalogue allows to originate single or multiple Product initiation. Once the Savings Account Product origination process is initiated either as a single product origination or as part of the multiple product selection, Process Orchestrator generates the Savings Account Process Reference Number on submit of the Application Initiation stage. Process Orchestrator also updates the record in the Free Task process for the Application Entry stage also referred as Task from orchestrator perspective.

The Savings Account Origination Process flow comprises of the following stages and the detailed information of the same is available in the following topics:

• Application Entry Stage
  This topic describes the information on the various data segments to capture the required data in the Application Entry stage.
• Debit Assessment
  The topic describes the debit assessment process.
• Manual Debit Assessment
  The topic describes the manual debit assessment process.
• Application Enrichment Stage
  This topic describes the information on the various data segments to view and update the required data for the Application Enrichment stage.
• Account Funding Stage
  This topic describes the process of initial funding of an account. In this stage user can provide initial funding details before opening an account.
• Account Approval Stage
  This topic describes the information on the various data segments to view the captured details and approve the application in the Account Approval stage
• Account Funding
  This topic describes the process of initial funding of an account. This stage appears once the account is opened.
• Global Actions
  This topic provides the detailed on the actions that can be performed in all stages.