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Fictional example: Banking Demo Bank India, code DEMOBANK. No RBI licence, real customer, live issuer, IFSC or deployed bank is asserted. Values illustrate review cases only.

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Institution setup

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Proposed operating duties

Institution administrator maintains delegated organisation/configuration. Branch/customer-service officers service assigned customers. Teller and cash supervisor manage custody under distinct authority. Credit maker/checker sanction lending. Card operations manage programmes, fulfilment and disputes. Finance/reconciliation control books and settlement. Risk/compliance review restricted cases. No single account gets all duties automatically.

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Worked daily journey

  1. The platform operator creates DEMOBANK and verifies its permitted institution/offering evidence.
  2. Product owners approve SAVINGS-DEMO, posting/fee/interest policies, disclosures and channel availability.
  3. CUSTOMER-001 completes the adopted KYC/consent journey and opens ACC-001 with its mandate.
  4. A confirmed INR 5,000.00 cash deposit produces the adopted cash/deposit entries, once.
  5. CARD-001 is issued and activated under the approved debit programme.
  6. A fee-free illustrative INR 1,000.00 purchase reserves funds, then matching presentment posts once. Available funds become INR 4,000.00, assuming no other holds.
  7. Finance matches instruction, hold, clearing, journal and settlement sources.
  8. Business-day close runs adopted accrual/fee jobs, validates totals and advances only after sign-off.
  9. The customer receives the correct statement and notices; authorised auditors can trace the original references.

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ATM exception example

For an INR 2,000.00 withdrawal, the terminal reports only INR 1,000.00 physically dispensed. The bank must correlate switch/device/journal evidence, resolve the actual debit under contracted rules and communicate the authoritative adjustment. The local UI cannot assert refund completion because a service case was saved. See B23.

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Configuration combinations to review

Individual/joint/business accounts; primary/add-on cards; virtual/physical cards; bank-issued versus sponsored programme; maker/checker thresholds; branch versus digital origin; domestic versus international channels; fixed/floating lending; open/closed business period; source outage and unknown outcomes. Only permitted, approved combinations activate.

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Example acceptance

Verify one complete customer-to-book-to-reconciliation journey and one failed/unknown journey for each selected product. Repeat tenant/branch/mandate denial, stale product version, concurrency, duplicate event, reversal and restoration. No example login or live seed is implied; fixtures will be created only for a confirmed execution packet.