InnovaforteBanking & Finance

Connected Banking Journey

One simple request. Many systems.

A concept structure showing how an apparently simple banking interaction crosses people, systems, data, controls, documents and decisions. No backend integration exists.

CONCEPT
  1. 01

    Customer request

    CustomerI ask to open an account or change a service.

    OperationsRequest captured, channel and customer identified.

  2. 02

    Identification

    CustomerI confirm who I am.

    OperationsIdentity verification and existing-relationship lookup.

  3. 03

    Onboarding

    CustomerI provide the information requested.

    OperationsData collected, gaps flagged, case file prepared.

  4. 04

    Account / service workflow

    CustomerI see progress.

    OperationsTasks routed to the right teams with status visibility.

  5. 05

    Compliance checks

    CustomerNothing — ideally invisible.

    OperationsKYC, screening and risk checks; exceptions to specialists.

  6. 06

    Document generation

    CustomerI receive documents to review.

    OperationsContracts and forms drafted from approved templates.

  7. 07

    Approval

    CustomerI sign.

    OperationsAuthorised staff approve; four-eyes where required.

  8. 08

    Core-system update

    CustomerMy account is ready.

    OperationsCore banking updated through controlled interfaces.

  9. 09

    Notification

    CustomerI'm told it's done.

    OperationsCustomer and internal notifications sent.

  10. 10

    Reporting / audit trail

    Customer—

    OperationsEvery step evidenced for reporting and audit.

Illustrative sequence. Actual journeys vary by institution, product and jurisdiction.