Workflow Building Blocks
Compose Approval Logic the Way the Policy Demands
Maker-Checker
Configurable number of approvers, modes (manual / automatic / hybrid), and escalation rules. Single-approver for low-risk; dual-approver for high-value; supervisor sign-off above a configurable amount.
Threshold-Based Auto-Approval
Low-risk applications meeting all defined criteria pass through automatically. Reviewer attention stays on the cases that actually need a human.
Send-Back Mechanism
Reviewer can return the application to the customer with specific notes — "rephotograph the PAN", "address on bank statement doesn't match". Customer fixes just those items; the rest of the application state holds.
Audit Trail
Every action timestamped, every decision logged with rationale, every state change recorded. Export-ready for regulator submission — not a screenshot exercise.
Role-Based Access
Maker, checker, supervisor, auditor — standard personas pre-configured. Auto-provisioning via HRMS / Active Directory integration where supported.
Reporting Dashboards
Turnaround time, queue depth, rejection rate, send-back frequency, reviewer productivity. Filter by product, region, reviewer, time period.
Regulator Mapping
Compliance is a Configuration, Not a Custom Build
The governance layer ships with policy templates mapped to the major Indian regulator frameworks. Pick the template, adjust thresholds for your institution, audit-ready in days.
- RBI CKYC guidelines
Central KYC registry upload, periodic re-KYC scheduling, identifier-of-record management.
- SEBI KYC norms
KRA integration, in-person verification rules, supervisory review thresholds.
- IRDAI onboarding rules
Proposer KYC, suitability discussion logging, nominee verification trail.
- DPDP consent
Consent capture per processing purpose, withdrawal handling, processing logs.
