Cross-module end-to-end journeys

Shared outcome model

A draft, submitted request, approved instruction, accepted provider message, confirmed financial effect and reconciled settlement are different facts. Product-specific state machines must define their allowed transitions. “Unknown” means the outcome is not established; it is not a safe failure to retry. This is a proposed financial pattern. Individual modules define the actual states, cancellation eligibility and finality. Administrative saves do not need a financial posting.

Journey	Modules	Start to finish	Evidence required
J01 Institution launch	B01–B03, B30, B32	Legal capability → products/duties → contracts → certification → controlled release	Authorised institution, owners, dependency and release record
J02 Customer/account opening	B04–B08, B26, B28	Consent/evidence → KYC → mandate/terms → account/funding → statement	Verified relationships and authoritative account/book
J03 Cash withdrawal	B06–B08, B10, B24	Proof/funds → approved debit/custody → cash handover → till close	One debit, physical cash and receipt reconcile
J04 Deposit maturity	B03, B07, B09, B24, B31	Placement → accrue/payout → maturity/renewal → reconcile	Exact terms, certificate and linked postings
J05 Payment	B06–B07, B11, B24, B30	Payee/quote/proof → instruction → status/return → settle	Original reference, finality and reconciled funds
J06 Loan	B04–B07, B11–B16, B28	Apply/sanction → accept → disburse → repay → close/release	Lender agreement, schedule, allocation and loan book
J07 Debit card	B06–B08, B17–B18, B21–B24	Issue/activate → hold → clear → reconcile/refund	Card/account and network/book linkage
J08 Prepaid	B07, B17, B19, B21–B24	Verify/load → spend → refund/redeem → safeguarding match	Permitted funding and stored-value liability
J09 Credit card	B07, B13, B16–B17, B20–B22, B24	Underwrite → issue → spend → bill → repay/collect → close	Receivable, statement, allocation and issuer records
J10 ATM exception	B07, B10, B18–B24, B27	Authorise → dispense fault → evidence → resolve debit → notify	Switch, dispenser, journal and confirmed adjustment
J11 Business-day close	B07–B11, B14, B20, B24, B29, B31	Validate inputs → jobs → exceptions → totals → sign-off/date advance	Checkpoints, exact totals and repeat-safe jobs
J12 Incident recovery	B02, B24, B30, B32	Contain → restore → reconcile in-flight outcomes → reauthorise service	Recovery objectives, books, audit and original operations
J13 Cheque service	B06–B07, B24, B28, B33–B34	Book/instrument → present/stop → paid/returned → reconcile	Instrument, mandate and clearing finality
J14 Customer digital recovery	B05–B06, B28, B32, B35	Verify evidence → revoke old authority → fresh enrollment → scoped access	Approved identity/recovery and notice evidence
J15 Financial approval	B02–B03, B07, B34	Intent/quote → independent decision → capacity → execute/status	Exact intent, current authority and one financial effect

Mandatory journey checks

For each selected offering/channel: positive success; permission/tenant denial; invalid/stale evidence; duplicate/concurrent command; provider timeout; delayed/duplicate/out-of-order callback; linked reversal; financial/audit atomicity; documents/notices; statement/reconciliation; operational recovery. The bank decides maker/checker thresholds and emergency authority. No self-approval exception, automatic recovery bypass or financial retry is invented. Use module-specific examples and scenario coverage to form acceptance cases.

​Shared outcome model

​Mandatory journey checks

Shared outcome model

Mandatory journey checks