> ## Documentation Index
> Fetch the complete documentation index at: https://banking.nextedge.consulting/llms.txt
> Use this file to discover all available pages before exploring further.

# Customer Web application

> Required users, features, journeys and release boundaries for Customer Web application.

**Proposed application. New-project implementation has not started.**

## Users and responsibility

Verified individual; joint holder; business signatory; permitted cardholder. Business and joint-account mandates are server-enforced. Customer login does not authorise every linked product action. Display authoritative balance/as-of state and unavailable services honestly.

## Required workspaces and features

1. Product discovery and approved onboarding.
2. Own accounts, deposits, loans and cards.
3. Payments, card controls and loan/deposit servicing.
4. Statements, agreements, consents and secure documents.
5. Service requests, disputes, notices and security.

Each workspace needs list/search/filter → detail → permitted action → result → return. Include loading, empty, invalid-input, permission-denied, outage, stale-conflict and unknown-result states. Administrative and financial write actions must be distinguished.

## Application flow diagram

```mermaid theme={null}
flowchart TD
  START["APP start"] --> GATE{"Application, identity and offering readiness"}
  GATE -->|No| STOP["Stop: resolve evidence or eligibility"]
  GATE -->|Yes| N0
  N0["Verify identity/authority"] --> N1
  N1["choose eligible offering"] --> N2
  N2["view terms/quote"] --> N3
  N3["provide required proof/consent"] --> N4
  N4["submit"] --> N5
  N5["view confirmed/pending outcome"] --> N6
  N6["retrieve receipt/statement"] --> RESULT{"Outcome verification"}
  RESULT -->|Yes| DONE["Record outcome, audit and return"]
  RESULT -->|Pending or unknown| HOLD["Keep original reference; reconcile status"]
  HOLD --> REVIEW["Authorised resolution; no blind retry"]
```

## Complete representative journey

Verify identity/authority → choose eligible offering → view terms/quote → provide required proof/consent → submit → view confirmed/pending outcome → retrieve receipt/statement.

Record the institution, programme/product version, actor/duty, request/operation reference, business date and authoritative outcome. Mobile/ATM channels need equivalent status semantics without copying web-specific navigation or cookie assumptions.

## Exception scenarios

Joint mandate needs another signer; customer loses account authority; card blocked while detail open; disclosure version changes before acceptance.

Test successful actions and server denials independently. Closing the screen or cancelling a network request does not reverse a financial operation. Verify original operation status before offering a new instruction.

## Module dependencies and readiness

Relevant module IDs: B04–B09, B11–B22, B27–B30, B32. Select only the institution's permitted subset from the [module register](/banking/module-register). All product policy and permissions stay in shared services. A channel cannot widen limits or convert stored test data into executed banking. Shared controls include [B34 action approvals/limits](/banking/modules/b34) and [B35 customer digital identity](/banking/modules/b35). Customer initiation does not grant a staff checker duty.

Prove tenant isolation, exact calculations, concurrent access, idempotency, source outages, audit redaction and recovery. Confirm keyboard/accessibility for web clients and certified-device usability for ATM. Production availability requires completion of the [release gates](/banking/delivery-plan).

## Required implementation inputs

Agree the named user duties, first-release features, deployment boundary and external contracts for this application. ATM hardware and mobile security need their own contract packets. Follow the [decision order](/banking/decisions); Implementation approval and production release are separate recorded milestones.


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