The approval stage has been removed from certain origination processes, such as Insta Savings account, Insta Current account, and Term Deposits to simplify the onboarding process.

Advanced address search enabled in Solicitor Details for consistent entry and usability.

Ability to capture the optional household or applicant relationship details with propagation of this information across all related records. This ensures smooth integration with Oracle Banking Party’s bidirectional view

For minor applicants, the guardian or custodian must be assigned as the signatory and the recipient of all associated documents.

• Visual and UX enhancements applied to both widgets, offering a standardized Oracle Redwood style.
• The system now shows product counts as plain text, zero values are shown explicitly while no products are available. Additionally, all product logos have been removed from the widget.
• Application priorities and aging are now represented visually with pie and bar charts, providing a clear overview of the distribution of applications across different priority levels and the duration they have been in the system.

• Filters have been moved to the side panel drawer for easier access, and the system displays the selected options as chips.
• The "Product" filter now defaults to "All Products", and the user/team filter has been streamlined.
• The pie chart and color scheme have been updated to the Oracle Redwood style.

• Filters selection is now moved to side panel drawer and all chips display the selected filter parameter.
• Applications are grouped into expiry buckets, such as 5, 10, and 21 days, showing counts and total values.
• Drill-down functionality is available for each expiry bucket.

• Filters selection is now moved to side panel drawer and all chips display the selected filter parameter.
• Buckets display the count and value of expiring loan offers, with quick access to drill-down lists.

• Updated filters, with all settings are now in a side panel, with selected options displayed as chips.
• Status breakdown and drill-down functionality remain unchanged.

• Filters are now displayed in a side panel and selected options are displayed as chips.
• Main pie chart logic and drill-down for SLA breach, near-breach, and compliant statuses preserved.

• Visualization of all product types has been expanded (not just loans) with enhanced filtering by product and sub-product.
• Drill-downs and groupings aligned with Redwood guidelines.

• Enhanced filters for currency, user/team, branch, and period.
• Summary of opened accounts are visualized by product, with graphical views and real-time updates.

• Contextual navigation links have been added to the Application Tracker for easy access to Simulation and Recommendation.
• Updated the “Actions” drop-down menu with options displayed based on user permissions.
• Introduced a refresh button to provide real-time updates for in-progress applications.

Introduces expiration of inactive Loan Simulation, Quick Assessment, and Product Recommendation IDs after a configurable number of days, their status is marked as "Expired," and they are accessible in view-only mode post expiry.

Eligibility is now validated during simulation, reducing inconsistencies in downstream origination processes.

Credit Appraisal Memorandum can be generated or updated at key stages for retail loans, consolidating credit information and commentary. This feature is available only for Individual customer applications.

The workflow has been simplified by removing the Account Parameter Setup and Supervisor Approval stages. Loan Against Deposit is now available as a dedicated process for SMB.

Ability to select the payout frequency for Oracle Banking Account-hosted term deposits. If this option is disabled, the system uses the host configuration by default.

The system automatically fetches floating rate codes from Oracle FLEXCUBE Universal Banking based on currency and other parameters during business product configuration.

The latest interest rates are now automatically fetched and applied at the offer-issue stage to ensure accuracy.

Users can now modify the loan tenure during the Manual Credit Assessment and Post-Offer Amendment stages. The Stage Grid and other dependent segments update dynamically. This enhancement ensures the revised term is accurately reflected in the loan account details, including Repayment Details, without causing validation errors.

Capitalized fees are included in the payload for new FCUBS-hosted loans.

Oracle Banking Retail Lending Servicing billing loans supports weekly, bi-weekly, and quarterly schedules, in addition to the monthly option.

The system supports secured loan origination using existing collateral. Existing collateral details for the customer are fetched from the collateral product processor. If sufficient unutilized collateral balance is available, same can be used for a new loan for the customer(s). This functionality is currently supported for Oracle Banking Retail Lending Servicing as the host.

The system supports Interest and Principal Installment schedules for Oracle Banking Retail Lending Servicing as the host. In an Interest and Principal Installment schedule, each instalment includes a fixed principal amount plus the interest for that period, resulting in varying instalment amounts.

System supports Floor and Ceiling interest rate validation for Oracle Banking Retail Lending Servicing hosted products.

For split-disbursement loans, a single account must be nominated to collect disbursement fees and included in the host payload.

Capture of solicitor details, conditions & covenants is now enabled for SMB loans, similar to retail loans.

Product preferences such as branches, rules, terms, and parameters are now automatically fetched from Oracle Banking Retail Lending Servicing.

Introduced an end-to-end workflow for Oracle Banking Retail Lending Servicing vehicle loan origination.