User Management

The user management feature provides the following self-service options for business owners and other authorized users of business/company.

• Create new business users and manage information.
• View the list of enrolled business users.
• Control role permissions to access features and actions at user level at the time of user creation or editing the user permissions after the user has been created.
• Distinguish between logged-in user and other users in the user list. The logged-in user record is marked with (Me) after the name, for example - John (Me).
• View own permissions and edit permission details of other users if required.

The feature is available to only those users who are given explicit permission to manage business users. The business users can access the permitted business accounts in the banking application and perform the activities based on the permissions (access to features and actions) given to the user. 

At the time of user creation, an authorized user can add online banking users for their companies by any of the following means:

• Enrolling from existing customer records only.
• Creating user profiles managed outside of the core banking system.
• Both based on the configuration set by the bank.

See Configuration section for more information on relationship configuration for authorized users and configuration for user creation process.

Menu Path: 

• Online Banking: Side Menu > User Management > All Users. The application displays the User Management screen.
• Mobile Banking: Side menu > User Management

Business Process Diagram - Create Business User

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UX Overview

The User Management screen displays the list of business users who have access to the business accounts. This is also the landing page of the user management module. You can do the following:

• View the business users list
• Edit View permissions and edit user details
• Create business user 
• Search or filter users

Feature Actions

Within the User Management feature, various feature actions are available. The following are the revised feature actions:

Feature Action	Description
View Users	This action is associated with permission for viewing all the users and their list of permissions.
Create Users	Associated with permission for creating a new user.
Manage Users	Associated with permission for editing an existing user. A business user can view the list of users and their account access and all the associated permissions.

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View Business Users List

The application displays the User Management screen with a list of business users tagged to a legal entity as the signed-in authorized user and who have access to the business accounts.

Menu Path: Side Menu > User Management > All Users

The list is represented as rows with the following details of business users:

• Name of the user. The logged-in user can distinguish between self-user and other users in the user list. The logged-in user record is marked with (Me) after the name, for example - John (Me). In online banking application, maximum 15 characters of name is displayed and includes (Me) in case of the logged-in user. If the first name (which is displayed in online banking) is very long, the (Me) suffix part will be truncated.
• Role of the user - Administrator, Creator, Authorizer, Viewer.
• User Name used to sign into the banking application.
• Status of the user - Active, Suspended, New.
• Actions such as send an activation link to new users or view permissions and edit the details depending on the permissions available to the business user. On clicking, the page navigates to user details page and the provision to edit the permission details. If the business user has only view permission, the Edit button is not visible. A signed-in user however can only view own permissions and cannot edit the details.

The list is sorted by Name by default, but you can also sort the list based on the Role and Status using the sort icon.

Do any of the following:

• Click Create a User to add a business user.
• Click the down arrow to view the following user details: Last signed in date, email address, phone number, and Add to another Entity
• Search for a business user using the search criteria.
• Use the View list to filter users.
• Click View Permissions to view permissions and edit the details as required depending on the permissions available to the signed-in user.

A business user can view the list of users and their account access and all the associated permissions if "View Users" permission under User Management feature is enabled. Expanding the user details displays the user details.

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View Permissions and Edit User Details

Use the feature to view and edit the details of a selected user and control permissions to access features and actions at user level in edit mode. A business user can edit only if "Manage Users" permission under User Management feature is enabled. Otherwise, the user will be able to only view the details. The signed-in user however can only view own permissions and cannot edit the details.

Menu Path: Side Menu > User Management > All Users > Click View Permission link

To edit the user details and control permissions to access features and actions at user level, follow these steps:

1. From the user list, click View Permissions. The following screen is displayed.
   
2. The application displays the signed-in user name and email address on top of the screen and the User Details with the following information:
   
   • Full name
   • Date of birth
   • Email address
   • Registered phone number
   • Social Security Number (SSN)
   • Driver's licence number
   
3. The details on the screen are divided into the following sections. Click the respective View/Edit link and make the changes as required. See review permissions section on this page for more information on editing the details.

   Account Access and Role

   Displays the Customer ID, assigned Role of the user, and Selected Accounts. Assign a new role if required and click Update. The change is updated. The user will be able to view or operate only the selected contracts when the user signs in to the application. The user permissions and transaction limits changes based on the assigned role.
   

   Account Level Feature Permissions

   Displays the permissions given to the user to access the features and associated actions at the contract level. Make the changes by selecting or clearing the feature check boxes of respective accounts. Click Update. The changes are updated. The user permissions and transaction limits changes based on the changes.
   

   Other Feature Permissions

   Displays the permissions given to the user to other non-transactional features. Make the changes by selecting or clearing the feature check boxes. Click Update. The changes are updated.
   
   

   Transaction Limits

   Displays the transaction limits defined for the various services of corresponding contracts. Make the changes to pre-approval and denial limits. Click Update. The changes are updated. Note that the changes will affect all future transactions. Click here to see more information on Transaction Limits.
   

4. After all the updates are done, click Update.
5. The application displays an acknowledgment with a notification Request to edit user has been sent for approval. with a reference number. After approval user can see the changes. For more information, see the User Management Approval Dashboard.
   
   • In the User Details ( Edit User), if a record is pending, the user cannot raise one more request until the pending record is approved, rejected, or withdrawn.
   • For Edit Account Access and Role, Account level Features Permissions, Other Feature Permissions , and Transaction Limits, the user can edit and send the permissions for approval and the record is shown as pending. The user cannot raise one more request until the pending record is approved, rejected, or withdrawn.
   • If the record is pending, the user can see the notification Data with pending tag cannot be edited as there are changes that require approval.

Add to Another Entity

This feature helps the user to search the user of one entity and add to a contract of other entity.

To choose the required legal entity, follow these steps:

1. Menu Path: Side Menu > User Management > All Users.
   
2. Click on user, Add to Another Entity is shown.
3. Add to another entity permission is enabled, when user have access to Multi entity and should have Edit and view permission.
4. If the user has a single entity, the system will not allow the user to Add to another Entity permission.
   
5. Click on “Add to another entity” it will show legal entity dropdown to display all the legal entity that user have access and select one of the legal entities from dropdown.
   
6. Multi entity selection is not applicable. User can select only one legal entity at one time.
7. Select the required legal entity and click Continue.
   If the user is in the selected legal entity, the application will not ask to add the details like Name, DOB, Email and Phone number.
   
   • If the user is already added to entity and the request is in pending the application displays an error.
     
8. Enter Basic Details of the user.
   User can edit the following fields (Email, Phone number, SSN, Driver’s license) and system will not allow to edit the details Name and DOB.
   
9. Select customer role or existing user and click Copy and Continue.
   
   • If the existing user is already in pending request, the application will show a notification and Copy and Continue button is disabled.
     
     
10. Select the company, assign the customer role, and click Continue.
    
11. Select signatory group and click Continue.
    
    • If the selected Signatory Group request is pending, the continue button is disabled.
      
      
12. Verify user details and click Add User.
    
13. The application displays an acknowledgment with a notification and reference number. For more information, see the User Management Approval Dashboard.
    
14. Click view details to see the user details.
    

Click Back to go to the All Users screen.

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Create Business User

Use the feature to create a business user and assign a role with permissions to access accounts and features. Authorized users can control access to various features at user level at the time of user creation or editing the user permissions after the user has been created. A business user can create a user only if "Create Users" permission under User Management feature is enabled.

At the time of user creation, an authorized user can add online banking users for their companies by any of the following means depending on the design-time configuration set for managing business users:

• Enrolling from existing customer records only managed in the core banking system.
• Creating user profiles managed outside of the core banking system.
• Both, based on the configuration set by the bank - Hybrid model where authorized users are managed in the core banking system and non-customers are managed externally.

Based on the configuration, either one or both (hybrid model) flows are available. See Configuration section for more information on the configuration setting for managing business users.

Menu Path: Side Menu > User Management > Create a User. Alternatively, on the User Management screen, click Create a User. The application displays the Create User - User Details screen.

The user creation process is divided into the following sections. Follow these steps:

1. Click Create a User on the user management dashboard
2. Enter user details manually or by retrieving existing user
3. Provide account access and user role
4. Review permissions to features
5. Define transaction limits
6. Submit user details

User Details

The user creation flow starts with capturing the business user details. An authorized user can,

• Add new users manually (who are not customers of the bank) by providing their details.
• Retrieve the existing customers from the core banking system and have a relationship with the business.

1. Do any one of the following:
   • Create user manually

     Create a user by providing the user details. Add the following details:

     1. First Name. Enter the first name of the business user. It is mandatory.
     2. Middle Name. Enter the middle name. It is optional.
     3. Last name. Enter the last name. It is mandatory.
     4. Date of Birth. Enter the date of birth in the prescribed format (for example, MM/DD/YYYY). The date format depends on the location selection.
     5. Email ID. Enter a valid email ID. It is mandatory.
     6. Registered Phone Number. Enter the registered phone number. It is mandatory. Select the country code from the list.
     7. Social Security Number. Enter the valid social security number (SSN). It is mandatory. The system validates that every contract has only one person with the same ID/SSN.
     8. Driver's License. Enter the driver license number. It is optional.
        
     9. Click Continue. The button is enabled only if all the required details are entered.
   • Retrieve an existing user

     The application displays the list of users for which the signed-in user has "User Management → Create User" permission with the following details:

     1. Name. Full name including first name and last name.
     2. Date of Birth
     3. Phone Number as specified on the customer record.
     4. Email Address as specified on the customer record.
        
     5. Company selection list. Select the required company from the list to view the list of associated customer records. The fetched records are of customers that have accounts associated with them or external users.
        
     6. The list is sorted by the Name by default.
     7. View the user details (customer name and customer ID) by using the down arrow placed in front of the user record.
     8. Select the required user. Only one user record can be selected.
        
     9. If the user request is in pending status, the continue button is disabled.
        
        
        
        

     • If there are multiple Customer IDs in the company selection list, the first one in the list is selected by default and the results are fetched. If there is only a single Customer ID in the list, that one is selected automatically and the record is fetched.
     • User records can be disabled based on few parameters and therefore cannot be selected. The application indicates if the user record cannot be selected in the following scenarios:
       • If the user already has an online banking profile that is associated with this contract.
       • If the user does not have an email ID or a phone number, and does not possess the following parameters: country, taxId, and coreCustomerId.
     • For retail or business contract, only individual can be added as user.
     • Customer filtration is performed based on the configuration defined in the Spotlight Configuration Bundle, specifically for the Individual/Organization parameters.
       • The parameter as INDIVIDUAL_TYPE_ID and BUSINESS_TYPE_ID can be a single value, a comma-separated list of multiple values, or a range (e.g., 1000-2000).
       • Integration will be implemented using the Sector ID from Transact.

     10. Click Continue. The button is enabled only if an existing user is selected.
         
2. The application displays the copy permissions screen.
   • Select the custom roles or existing user and click Copy and Continue.
     
   • If the selected existing user is pending for approval, the Copy and Continue button is disabled with a notification.
     
     
3. Copy permissions from an existing user or a custom role. Select from the Custom Roles or Existing Users list.
   
4. The application displays the assigned account access and user role. The new user will inherit all the permissions of the selected custom role or the existing user. Click Continue to Proceed.
   
5. The application displays list of customers and Signatory Groups, select the customer and assign the Signatory Group and click Copy.
   
   • In the selected Customer ID, if the Signatory Group is in pending status, the Copy button is disabled.
6. The application displays a page to Verify the User Details. To edit the details, see View Permissions and Edit User Details. Click Create User to proceed.
   
   
7. The application displays an Acknowledge screen with a notification showing that a Request to create a user has been sent for approval with a reference number. Users can see the options View Details, Create New User, and View All Users in the acknowledgment screen. For more information, see the User Management Approval Dashboard and Request Dashboard.
   
   • Click Skip to proceed to Account Access and user Role screen to assign account access and user role to the user manually.
   • Click Back to go to the previous screen.
   • Click Cancel to cancel the operation. The changes are not saved.
8. Click Copy and Continue. The button is enabled only if a custom role or an existing user is selected. The application navigates to the review screen.

Account Access and User Role

Set up customer IDs that the signed-in user has access to and assign account access and user role for the selected company/customer ID. This step is applicable only if the copy permissions step is skipped in the previous screen.

Customer IDs list

Set up the Customer IDs that the user has access.

The application displays the Customer IDs belonging to the same contract or to multiple contracts with the following details. These are the IDs to which the signed-in user has User Management → Create New user permission.

• Name of the company.
• Number of accounts as in, "Accounts: X of Y (<Default / Custom>)" where X is the total number of accounts that the user has been given access and Y is the total number of accounts that the new user can be given access. The count is based on account access delegation configuration.
  • Delegate Access: Total number of accounts that the signed-in user has access or,
  • Open Access: Total number of accounts associated with this customer ID in the contract.

Do any of the following:

• Select one or more of the Customer IDs as required.
  • When an ID is selected, all the accounts associated with the Customer ID are selected based on account access delegation configuration.
    • Delegate Access: Only the accounts that the signed-in user has access are selected or,
    • Open Access: All the accounts associated with this customer ID in the contract are selected.
  • The count of selected IDs is displayed on top of the Customer IDs list.
• Use the Select All check box to select all the Customer IDs.

User Role

The application displays the list of bank defined roles that are specific to the legal entity mapped to the logged-in authorized user.

For every Customer ID that the user is being given access, there must be a role assigned which defines the permissions for the user on the accounts associated with the Customer ID.

It is mandatory to assign a role for each of the selected Customer ID before proceeding to the next step of the user creation process. Select a User Role from the list for each of the selected Customer ID (for example, Administrator, Creator, Authorizer and more).

After a role is selected for the user, all the permissions and limits from the role as provided by the bank, are inherited by default. See Default permissions set up for more information.

Auto Access to New Accounts

Auto access to new accounts is a functionality through which an authorized user with User Management permission can define whether a user will inherit access automatically to a new account opened against a Customer ID that is assigned to the user in the backend/core banking system. A user can use the feature while creating a user or editing a user at the user level as well as at the Customer IDs level within user access.

Use the toggle button if the user is to inherit access automatically to a new account opened against a Customer ID that is assigned to the user in the backend/core banking system.

Do the following:

1. Select one or more Customer ID from the list.
2. Select the corresponding User Role from the list.
3. Use the toggle button if user is to inherit access automatically to a new account opened against a Customer ID that is assigned to the user in the backend/core banking system.
4. Click Continue to proceed to the verification and confirmation screen with all the entered values.

Click Back to go back to the previous screen or click Cancel to can the operation. The changes are not saved.

Review Permissions to Account Level Features, Other Features and Define Transaction Limits

Review the details that have been already entered, assign account level permissions to features to users if required, and define transaction limits. After reviewing the details, click Create User to submit the form.

The permissions and transaction limits are set up with default values and a user can submit the form and complete the user creation process from here later. However, it is possible for users to review and change the default values.

The application displays the following sections. Use the view/edit option as applicable to modify the details:

• User Details
• Account Access and Role
• Account Level Feature Permissions
• Other Feature Permissions
• Transaction Limits

Account Access and Role

The list of selected customer IDs with the provision to assign a user role for the selected customer ID. Add or remove customer IDs from the list.

1. Click View/Edit to add or remove customer IDs and corresponding user role from the list.
2. Select or clear the check boxes as required. The user will be able to view or operate only the selected customer IDs when the user signs in to the application.
   

   Suspend User: An authorized user with the required User Management permissions can suspend a user if all associated customer permissions are removed from user management.

   An authorized user with the required User Management permissions can completely or partially remove access to customer IDs for a user. After removing the access to specific customer IDs,

   • Suspend User: If a user does not have any other customer IDs other than those removed, then the user will be Suspended and the user will not be able to sign into the banking application again.
   • If the user has access to other customer IDs other than those removed, then the user will not be suspended, but the access to the specific customer IDs will be removed.
     

   On updating the changes, the application displays a confirmation pop-up. Click Remove Access.

3. Click Update. The changes are updated.

Account Level Feature Permissions

Set up permissions for each customer ID to which the new user has been given access.

1. On the verify user details screen, click View/Edit to add or remove features for a selected Customer ID.
2. Make the changes as required. The user will be able to view or operate only the selected features when the user signs in to the application.
3. Click Update. The changes are updated.

The application displays all the customer IDs that the user has access. By default, the first customer ID in the list is selected and all the corresponding permissions and the list of features to which the new user has access are displayed. An authorized user can change the selection to any of the other Customer IDs as required.

Every user has a default set of features that are available as derived from the role and contract as defined in default permissions set up. If for a specific Customer ID, the user has access to the complete default set, then all actions in the default set are selected for all the accounts and shown as "Default". Otherwise, shown as "Custom".

If a feature is selected, the entire default set of permissions becomes available to the user for all the accounts that the user has access under the specific Customer ID.

Select All. Use the check boxes to select or remove the features individually or use the Select All check box to quickly select or remove all features.

Search. Use the search box to search for a feature by feature name to add and remove feature permission. The search does not affect selection and Select All works on the search results. Also, the full selection, partial selection, and no selection states of the Select All are dependent on the search results.

Edit the permissions at an access level across all features. Select or remove the permissions such as view, create, approve, edit, or delete as required for the selected Customer ID. This is the list of access levels derived from the default permission set across all features for the selected Customer ID.

• Access level is not selected if all the actions at this access level have been removed for the user across all features for all accounts of the Customer ID to which the user has access.
• Access level is selected if all the actions at this access level in the default set have been added for the user across all features for all accounts of the customer ID to which the user has access.
• Access level is partially selected if a partial set of actions at this access level in the default set have been added for the user across all features across all accounts of the customer ID to which the user has access.

Edit the permissions on each feature separately. The edit option appears only if the feature is selected. Select or remove the permissions as required for the selected Customer ID. This is the list of access levels derived from the default permission set for the specific feature for the selected Customer ID.

• Access level is not selected if all the actions at this access level have been removed for the user for all accounts of the Customer ID to which the user has access.
• Access level is selected if all the actions at this access level in the default set have been added for all accounts of the customer ID to which the user has access.
• Access level is partially selected if a partial set of actions at this access level in the default set have been added for the user across all accounts of the customer ID to which the user has access.

Reset to Default. Click to remove all the custom edits made to permissions at a user level and restore the default permissions as defined in default permissions set up. Click Update to save the changes.

Edit Advanced Permissions. Modify permissions at an account level. Click to switch to the advanced view to change settings at an account and action levels or update in bulk . This option is available for each Customer ID to which the user has access. Select the required accounts from the accounts list to modify permissions across the selected accounts. The accounts can be selected by selecting the entire group (account type) or by selecting specific accounts only.

• The application displays the following:
  • Details of the user whose permissions are modified with name and email ID on the top-right of the screen.
  • Selected Customer ID for which the permissions are modified with customer name and customer ID.
  • Accounts list. The list of accounts with account name and feature permissions count under the selected Customer ID to which the user has been given the permission to access and grouped by account type.
    • The account groups are collapsible and collapsed by default. One group can be expanded at a time.
    • Name of the product (or nickname) suffixed by the last four digits of the account number.
    • Feature permissions count as in, Accounts Selected: X of Y, where Y is the total number of actions in the user’s default permission set for this account and X is the number of actions in the user’s selected permission set for this account.
    • Click the down arrow to expand and view the accounts list under the selected account type.
      
      • The following details are displayed: Account Name, Permission Type (Default or Custom), Feature Permissions count, and provision to select accounts or edit the permissions of a specific account.
      • Select the required accounts from the accounts list to modify permissions across the selected accounts (bulk update). The accounts can be selected by selecting the entire group (account type) or by selecting only specific accounts.
      • Sort the accounts by account name or permission type.
      • Edit Account Level Permission. Click the Edit link available for every account to view and modify the feature and action permissions for one account at a time.
        
        
        
        • The customer name and customer ID are displayed on top of the screen.
        • This is followed by the details of the selected accounts with account name and account number with the list of all features and actions applicable to the account and whether or not they are enabled for the user. The list of all features are from the user’s default set of permissions, which are applicable on the selected account.
        • Select or clear the list of features and actions applicable to the account as required. If a feature is selected, the full default set of actions under this feature (for the account) are selected. At the feature level, full, partial, and no selections are allowed.
        • Use the Info icon to show the feature description that is configured in the Spotlight application.
        • View and modify permissions as required.
        • Click Update to save the account level permission changes. The button is enabled only if there are any changes to be committed. The button is disabled if there are no other uncommitted changes.
  • Search Accounts. Use the search bar to filter the accounts by account name or account number. The search works on the full set of accounts or if "View only selected" option is on, then the search works only on the listed accounts after applying this option.
  • View only selected. Click to view only the list of selected accounts on which the bulk changes in permissions can be applied.
  • Permission Bulk Update. Set up and modify permissions in bulk for selected accounts.
    1. Select the required accounts from the accounts list to modify permissions across the selected accounts. The accounts can be selected by selecting the entire group (account type) or by selecting specific accounts only.
    2. Select the feature from the Select Features List (for example, Bill Pay Service). The list shows the set of features from the user’s default set of permissions that are applicable on the selected Customer ID.
    3. Select the corresponding actions from the Actions list. The list shows the full set of actions for the selected feature from the user’s default set of permissions (see Default permissions set up) on the selected Customer ID. If a single action is selected, then the action name is shown; otherwise, the count of X of Y selected is shown (for example, Selected 3 of 8).
    4. Select the Permission Type from the list - Enable or Disable the selected feature and action.
    5. Click Apply. The button is enabled only if the feature, action, and the permission type are selected.
    • The changes are applied to the selected accounts.
    • The Permission Type (Default or Custom) is updated in the accounts list.
    • The changes are temporarily done and will not be applied until the Update button is clicked. If multiple changes are bulk applied, then the Update action updates all the changes together.

• Update. After making all the changes, click Update to save the changes to the account level permissions and navigate to the verify screen. The Permission Type appears as Default or Custom (accounts in which changes were made) for the edited account.

Other Feature Permissions

Set up other feature permissions for each customer ID to which the new user has been given access. Other feature permissions are not at an account level but at a user level per customer ID.

1. On the verify user details screen, click View/Edit to add or remove other features for a selected Customer ID.
2. Make the changes as required. The user will be able to view or operate only the selected features when the user signs in to the application.
3. Click Update. The changes are updated.

The application displays all the customer IDs that the user has access. By default, the first customer ID in the list is selected and all the corresponding other feature permissions (not account level) and actions are displayed. An authorized user can change the selection to any of the other Customer IDs as required.

• Use the Info icon to show the feature description that is configured in the Spotlight application.
• If a feature is selected, the entire default set of actions under the feature for an account is selected.
• Reset to Default. Click to reset all the custom edits made to non-account level permissions for each customer ID to which the user has been given access. Click Update to save the changes. The button is enabled only if there are any unsaved changes.

Update. Make changes to the other feature permissions across all customer IDs as required and click Update to save the changes and navigate to the verify screen. The button is enabled only if there are any unsaved changes.

Transaction Limits - Manage transaction limits in all accounts and monetary features

As an authorized user, view and set transaction limits (per transaction, daily, and weekly limits) at a customer ID level for every monetary type of transaction. Based on these limits, a transaction can either be executed, be sent for approval, or denied. Edit the pre-approved and denial limits as required. The application validates the pre-approved and denial values as defined at the FI level where pre-approved amounts does not require approval and the user cannot create a transaction beyond the auto-denied limit. The max transaction limit, max daily limit and max weekly limit are defined by the user.

The application displays all the customer IDs that the user has access. By default, the first customer ID in the list is selected and all the corresponding limits (per transaction, daily and weekly) at a limit group level (global limit of individual and bulk payments) are displayed. An authorized user can change the selection to any of the other Customer IDs as required.

On the right pane, the application displays the limit groups section (Global Transaction Limits) for the selected customer ID with limit group name and associated limits. There must be at least one monetary action that the user has been given permission to any account in the customer ID. For instance, if the user has been given view-only access to the Customer ID, then limits set up for the customer ID will not be relevant.

• Per Transaction
• Daily Transaction
• Weekly Transaction

Validation. Change the limits as required. However, the limits must meet the following validation criteria:

• These limits cannot be higher than the prescribed limits for a Customer #A and Limit Group LG #1
  • Per Transaction Limit. The max of (Max Per Transaction limits → for all actions classified as LG #1 across all the accounts under Customer #A that the user has access)
  • Daily Transaction Limit. The sum of (Max Daily Limit → for all actions classified as LG #1 across all the accounts under Customer #A that the user has access).
  • Weekly Transaction Limit. The sum of (Max Weekly Limit → for all actions classified as LG #1 across all the accounts under Customer #A that the user has access).
• The validation criteria is checked on clicking Update. The application displays as appropriate message on the limit which is violated, "Cannot be higher than <currency><value>".

Info icon. Use the Info icon to show the limit group description that is configured in the Spotlight application.

Reset to Default. Click to reset the user level limits on each customer ID to their default values. This will only reset the user level limits to their default value as null. In the pop up box, click yes to reset to default and click no if the does not want to reset the values.

Advanced Transaction Limits

Click to view and manage limits at per accounts. This is an advanced set up for limits that is used only where limits are to be modified at a more granular level.

• Bulk set up of limits on accounts for different features.
• To view limits on a single account.
• Change the limits per account.

• The application displays the following:
  • Details of the user whose permissions are modified with name and email ID on the top-right of the screen.
  • Selected Customer ID for which the permissions are modified with customer name and customer ID.
  • Accounts list. The list of accounts with account name and feature permissions count under the selected Customer ID to which the user has been given the permission to access and grouped by account type.
    • The account groups are collapsible and collapsed by default. One group can be expanded at a time.
    • Name of the product (or nickname) suffixed by the last four digits of the account number.
    • Feature permissions count as in, Accounts Selected: X of Y, where Y is the total number of actions in the user’s default permission set for this account and X is the number of actions in the user’s selected permission set for this account.
    • Click the down arrow to expand and view the accounts list under the selected account type.
      
      • The following details are displayed: Account Name, Permission Type (Default or Custom), Feature Permissions, and provision to select accounts or edit the permissions of a specific account.
      • Select the required accounts from the accounts list to modify permissions across the selected accounts (bulk update). The accounts can be selected by selecting the entire group (account type) or by selecting only specific accounts.
      • Sort the accounts by account name or permission type.
      • Edit Account Level Permission. Click the Edit link available for every account to view and modify the transaction limits for one account at a time.
        
        
        
        • The customer name and customer ID are displayed on top of the screen.
        • This is followed by the details of the selected accounts with account name and account number with the list of all features (shown as Feature Name - Action Names. The list of all features are from the user’s default set of permissions, which are applicable on the selected account.
        • The Transaction Limit for each of the Transaction Types (Per Transaction, Daily and Weekly) is shown,
        • Enter the Pre-approval Limit and Denial Limit as required.
          
          See more on Auto denied limits

          The following are the conditions for Create/ Edit custom role, Create/ Edit user and Add user to another entity.

          The default value for the auto deny limits is null and this is an optional field. Here, entering Zero is also considered as a value while calculating and executing the limit validations.

          The user can update the auto deny values for each account. Once the values is entered, the same is considered for future transactions. The user can also update the field to blank/ null by deleting the value.

          Use the function Reset to Default to restore all the values to Null. This will reset the value to default for All Accounts and All Features.

          

          

          

        • Click Update to save the transaction limit changes and navigate to the verify screen. The button is enabled only if there are any changes to be committed. The button is disabled if there are no other uncommitted changes.
  • Search Accounts. Use the search bar to filter the accounts by account name or account number. The search works on the full set of accounts or if "View only selected" option is on, then the search works only on the listed accounts after applying this option.
  • View only selected. Click to view only the list of selected accounts on which the bulk changes in limits can be applied.
  • Permission Bulk Update. Set up and modify permissions in bulk for selected accounts.
    
    
    
    1. Select the feature from the Select Features list (for example, Bill Pay Service). The list shows the set of features from the user’s default set of permissions that are applicable on the selected Customer ID.
    2. Select the corresponding actions from the Select Actions list. Only monetary actions are shown.
    3. Select the Transaction Type from the list - Per Transaction, Daily, or Weekly.
    4. Enter the amount for which approval is not required. The value can be from 0 (no transaction is pre-approved) to the Max Transaction Limit (all transactions are pre-approved). Must be less than or equal to the Deny if Above value.
    5. Enter the amount above which will be denied. The value can from 0 (all transactions are auto-denied) to the Max Transaction Limit (no transaction is auto-denied until the max transaction limit is exceeded). Must be greater than or equal to the Pre-Approve if Below value.
    6. Click Apply.
    • The Apply button is enabled only if,
      • The feature, action, and the transaction type are selected.
      • Pre-approve and deny above values are entered
      • At least one account is selected.
    • If the selected action is enabled on the selected account, the limits are applied. Otherwise, not applied at the account level.
    • For every action per account, there is a max transaction limit that is derived from the Contact and the Role. Note that since the limits at a contract level are at a customer ID level, all accounts under the customer ID have the same limit for an action. Since the role level limits are also at an Action level only, and the role is set at a customer ID for a user, the same limits are applicable across all the accounts under the customer ID. Therefore, the max transaction limit for a user for a specific Action is the same across all the accounts under one Customer ID.
    • The change updates the earlier limits set on the account and action.
    • The selection of accounts is not changed after the limits are applied.
    • The changes are temporarily done and will not be applied until the Update button is clicked. If multiple changes are bulk applied, then the Update action updates all the changes together.

Submit create user form. After reviewing the user details, permissions to features, and defining the transaction limits, click Create User.

Submit Form - Success Page

After reviewing the user details, permissions to features, and defining the transaction limits, click Create User.

On successful user creation, the application displays an acknowledgment screen with a unique reference number and few details of the user. The user is tagged to the same entity as the creator. An email is triggered with the user ID to the user's email address and an activation code is sent to the user's phone number. The user can use this user ID and activation code to activate his/her profile.

You can do any one of the following on this screen:

• Click View More Details. The application displays the screen with filled-in user details.
  • Click Edit to modify the required sections and click Save & Update.
  • View the details and click Back to All Users to go to the user list.

  
  

• Click Create Another User.
• Click View All Users.
• Click Create Custom Role to create a role based on the current user's permissions.

The user record is added to the list of users.

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Search or Filter Users

Use the search option or the filter to shortlist users based on the search criteria or filter respectively.

Menu Path: Side Menu > User Management > All Users > Search option and View filter

Search

Enter the search keyword in full or in part. The keyword can be from any of the following fields.

• Name
• User ID

The (Me) suffix is to identify the logged-in user and in case of the search, typing "me"’ will not render the user name with suffix "me" as a result.

The application displays the matching records based on the search criteria.

Filter

Use the View filter to filter the user by contract ID. The application displays the matching records based on the applied filter.

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User Management - Mobile Banking

Use the feature to do the following:

• View the details of all users having access within a virtual account.
• View the permissions accessed by the users.

Menu path: Side menu > User Management

The application displays the list of users with the following details:

• First name and last name of the user.
• Role of the user.
• Status of the user - Active, Suspended, or New.
• Last sign in date. In case of a new user, the last sign in details is not applicable and N/A is displayed.

Use the search option to search for a business user using the search criteria. Enter the search keyword in full or in part. Search by name, user name, role, or status.

Use the filter to view users contract-wise.

User Details

Tap any user row on the User Management dashboard to do the following:

• View the user details such as full name, email ID, date of birth, SSN, driver's license number, phone number, and access details.
• Click the right arrow of Access Details to view the contract-wise details.

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Configuration

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APIs

For the complete list of APIs shipped as part of this feature, see Experience APIs documentation.

Alerts and Notifications

To manage the alerts and notifications for approvals user management scenarios, Refer to the document User Management Alerts and Notifications.

Block Scenarios

Users can view the following scenarios when the record is pending. If multiple approver requesters or bank admins access the request at the same time, the user will see one of the following scenarios based on the type of request.