> ## 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.

# Module comparison and ownership

> Understand which module owns each record and outcome, including lending, cards, books and operations.

**Requirements review v0.2 • 14 October 2026. All new Banking modules are proposed; no implementation or permission is approved by this map.**

A module is a business responsibility. An application is where a person uses it. An offering is the institution-specific bundle of permitted products, modules and channels. [Start here](/banking/start-here) explains those three layers with one bank and one NBFC example.

## Module responsibilities and handoffs

| Topic | Responsible module | Related module responsibilities |
| - | - | - |
| Branch structure and staff assignments | [B01](/banking/modules/b01) records the branch; [B02](/banking/modules/b02) assigns staff. | [B34](/banking/modules/b34) checks transaction-specific authority, approvals and limits. |
| Customer verification, account opening and digital access | [B04](/banking/modules/b04) verifies the party. | [B06](/banking/modules/b06) opens a legal account; [B35](/banking/modules/b35) verifies digital access. |
| Customer relationships and operating mandates | [B05](/banking/modules/b05) presents the relationship. | [B06](/banking/modules/b06) owns account holder/operating authority; [B11](/banking/modules/b11) owns payment mandates. |
| Loan application and credit decision | [B12](/banking/modules/b12) gathers and prepares the application/contract. | [B13](/banking/modules/b13) records the credit decision; confirmed disbursement is recorded separately. |
| Loan servicing and collections | [B14](/banking/modules/b14) calculates dues and applies verified receipts. | [B16](/banking/modules/b16) manages overdue work; balance changes require verified servicing events. |
| Card issuance, funding and transaction processing | [B17](/banking/modules/b17) owns the credential and activation. | Funding/credit eligibility comes from B18/B19/B20; [B21](/banking/modules/b21) handles the transaction messages. |
| Ledger, settlement and reconciliation | [B07](/banking/modules/b07) records the financial effect. | [B21](/banking/modules/b21) records card clearing/settlement facts; [B24](/banking/modules/b24) proves cross-source agreement. |
| Service cases, disputes and financial corrections | [B27](/banking/modules/b27) records and resolves the service case. | [B22](/banking/modules/b22) investigates transaction disputes; financial correction needs its own authority and confirmed posting. |
| Business-day processing and reporting | [B31](/banking/modules/b31) coordinates dated jobs. | The product module calculates, B07 posts, and [B29](/banking/modules/b29) prepares a governed report/filing. |

## Debit, prepaid and credit: the same card action, different money

The following are simplified fictional arithmetic examples with no fees, taxes, currency conversion, other holds or other transactions. They do not adopt actual limits or pricing.

| Type | Source of spending capacity | Before an INR 1,000.00 authorisation | After reservation | After matching clearing |
| - | - | - | - | - |
| [Debit B18](/banking/modules/b18) | Linked deposit account | Ledger INR 5,000.00; available INR 5,000.00 | Ledger stays INR 5,000.00; hold INR 1,000.00; available INR 4,000.00 | Debit posts once: ledger INR 4,000.00; original hold resolves. |
| [Prepaid B19](/banking/modules/b19) | Confirmed loaded stored value | Value INR 3,000.00; available INR 3,000.00 | Value stays INR 3,000.00; hold INR 1,000.00; available INR 2,000.00 | Spend posts once: value INR 2,000.00; original hold resolves. |
| [Credit B20](/banking/modules/b20) | Approved revolving credit | Limit INR 50,000.00; used INR 0.00; available INR 50,000.00 | Reserved INR 1,000.00; available INR 49,000.00 | Used receivable INR 1,000.00; original hold resolves; available INR 49,000.00. Actual bill/due depends on adopted cycle and terms. |

For all three, B17 supplies the card identity and B21 co-ordinates the network event. A failed/unknown authorisation does not justify a second debit. A matched reversal must resolve the original event under adopted rules.

## Lending handoffs

```mermaid theme={null}
flowchart LR
  A["B12 application and borrower evidence"] --> B["B13 credit decision and conditions"]
  B --> K["B12 accepted offer and agreement"]
  K --> C{"Contract and funding prerequisites satisfied"}
  C -->|No| D["Pending application; no funded loan claim"]
  C -->|Yes| E["B14 confirmed loan and schedule"]
  E --> F["B07 exact posting; B24 reconciliation"]
  E --> G{"Verified receipt or overdue dues"}
  G -->|Receipt| H["B14 allocation and updated statement"]
  G -->|Overdue| I["B16 collection case; debt unchanged by promise"]
  I -->|Confirmed receipt| H
  E -. secured facility .-> J["B15 security evidence and controlled release"]
```

The diagram shows responsibility handoffs. The execution sequence supports multiple B13 assessments requested by B12 before final accepted terms. Institution-approved state transitions and source ownership are required implementation inputs.

## Module-by-module ownership directory

### Organisation, customer and core records

| Module | Own record | Result to inspect |
| - | - | - |
| [B01 Institution and branch administration](/banking/modules/b01) | Institution, region, branch and service-location records. | A versioned organisation structure with contacts, status and service routing. |
| [B02 Staff identity and access](/banking/modules/b02) | Staff identity, duty assignment, enrolment and staff session. | An active or revoked staff access record with effective scope and review history. |
| [B03 Product and programme configuration](/banking/modules/b03) | Product definition, programme and effective policy version. | An approved version that eligible operating modules can reference, or a blocked publication with reasons. |
| [B04 Customer onboarding and KYC](/banking/modules/b04) | Customer application, identity evidence and KYC review. | A verified, rejected or pending customer record with evidence and decision reasons. |
| [B05 Customer relationships and servicing view](/banking/modules/b05) | Party-to-product relationship and its source/freshness information. | A scoped view of linked products, roles and permitted servicing entry points. |
| [B06 Account lifecycle and mandates](/banking/modules/b06) | Account, holders, operating mandate, status and restriction. | A confirmed account state with attributable authority and retained history. |
| [B07 Ledger and financial accounting](/banking/modules/b07) | Journal, posting lines, balance reservation and accounting period. | A balanced, uniquely referenced financial effect or a pending/rejected posting. |
| [B08 Savings current and overdraft servicing](/banking/modules/b08) | Deposit servicing facts, accruals, charges and overdraft utilisation. | A traceable statement and correctly referenced account-service postings. |
| [B09 Term and recurring deposits](/banking/modules/b09) | Deposit contract, funding schedule, accrual and maturity instruction. | A confirmed deposit advice or maturity/closure result linked to its financial postings. |
| [B10 Teller cash and vault](/banking/modules/b10) | Till/shift, denominations, custody transfer and cash transaction. | Confirmed physical custody and financial entries that agree, or an owned discrepancy. |
| [B11 Payments beneficiaries and mandates](/banking/modules/b11) | Beneficiary, payment mandate, instruction and provider status. | A confirmed payment/return with original references, posting and reconciliation evidence. |
| [B33 Cheque operations and clearing](/banking/modules/b33) | Cheque range, instrument, stop instruction, clearing item and return. | A confirmed instrument disposition linked to its clearing/posting/settlement evidence. |
| [B35 Customer digital identity and security](/banking/modules/b35) | Customer digital identity, verified product link, factor/device and session/proof. | A scoped customer session or action proof, with attributable revocation and recovery history. |

### Lending

| Module | Own record | Result to inspect |
| - | - | - |
| [B12 Loan origination](/banking/modules/b12) | Application, documents, offer, agreement and disbursement-readiness checklist. | An accepted, ready application handed to servicing, or a pending/rejected application with reasons. |
| [B13 Credit underwriting and decisioning](/banking/modules/b13) | Assessment inputs, policy version, decision, conditions and exception reasons. | A reproducible approved/declined/conditional credit decision. |
| [B14 Loan servicing and repayment](/banking/modules/b14) | Loan book, schedule, accrual, receipt allocation and servicing change. | Updated exact balances and statement, with linked payment/posting and correction evidence. |
| [B15 Collateral and securities](/banking/modules/b15) | Secured asset, evidence, valuation, encumbrance and release authority. | A traceable security position linked to the correct facilities and controlled release status. |
| [B16 Collections and recoveries](/banking/modules/b16) | Arrears queue, contact task, promise/dispute and recovery decision. | An attributable case outcome linked to confirmed servicing receipts or adjustments. |

### Cards and ATM

| Module | Own record | Result to inspect |
| - | - | - |
| [B17 Card programmes issuance and inventory](/banking/modules/b17) | Card programme, tokenised card record, issuance order and inventory/delivery status. | A confirmed usable, blocked or replaced card credential linked to the correct funding product. |
| [B18 Debit card operations](/banking/modules/b18) | Debit-card account link, use controls and balance/hold relationship. | An eligible debit instruction against current available funds with linked hold/posting status. |
| [B19 Prepaid cards wallets and PPI operations](/banking/modules/b19) | Prepaid balance account, KYC/programme restrictions, load and redemption. | A confirmed stored-value change linked to funding, safeguarding and settlement evidence. |
| [B20 Credit card accounts billing and servicing](/banking/modules/b20) | Revolving credit account, limit, receivable, statement and allocation. | Current exposure, available credit and customer dues linked to accepted terms and postings. |
| [B21 Card authorisation clearing and settlement](/banking/modules/b21) | Network transaction, reservation reference/status, clearing match and settlement position. Monetary reservation remains in B07 or the selected funding book. | One traceable economic effect per accepted event, or an explicit unresolved exception. |
| [B22 Disputes chargebacks and remediation](/banking/modules/b22) | Dispute, evidence packet, network deadlines and adjustment decision. | An evidenced case outcome and any separately confirmed financial correction. |
| [B23 ATM application and terminal operations](/banking/modules/b23) | Terminal trust/health, session, dispense journal and cassette custody. | Confirmed dispense/debit evidence or an owned partial/unknown-dispense exception. |

### Cross-module controls

| Module | Own record | Result to inspect |
| - | - | - |
| [B24 Reconciliation and exception management](/banking/modules/b24) | Source batch, match, exception, corrective evidence and sign-off. | A proven match or a named unresolved exception with an authorised resolution. |
| [B25 Treasury liquidity and settlement positions](/banking/modules/b25) | Liquidity position, counterparty/deal, maturity cash flow and funding instruction. | An approved institution funding position with confirmed settlement or explicit shortfall. |
| [B26 Risk fraud AML and compliance](/banking/modules/b26) | Signal, screening result, investigation case and authorised disposition. | A recorded case decision and any separately confirmed protective action or filing. |
| [B27 Service requests and complaints](/banking/modules/b27) | Case, assignment, correspondence, status and closure evidence. | A customer-visible response and traceable completion of the requested service or referral. |
| [B28 Communications documents and consent](/banking/modules/b28) | Template version, document, delivery attempt, preference and acceptance evidence. | The correct recipient can access the exact approved content and its delivery/acceptance status. |
| [B29 Management and regulatory reporting](/banking/modules/b29) | Report definition, source snapshot, run, export and submission evidence. | Reproducible scoped figures with completeness/lineage and controlled submission status. |
| [B30 Banking APIs integration and data health](/banking/modules/b30) | API contract, integration scope, source receipt, callback and correction lineage. | Validated scoped data or instruction acknowledgement with reliable status/finality semantics. |
| [B31 Business date EOD and scheduled operations](/banking/modules/b31) | Business calendar, cycle/run, dependency checkpoint and sign-off. | A verified completed business-date cycle or a blocked run with recoverable checkpoints. |
| [B32 Security audit deployment and resilience](/banking/modules/b32) | Security control evidence, audit event, incident, recovery exercise and release packet. | Verified protective controls and accountable accepted or blocked release/recovery decisions. |
| [B34 Approvals limits and operational controls](/banking/modules/b34) | Bound action intent, approval decision, consumed limit and exception authority. | An executable or rejected/expired intent with attributable independent decisions. |

## Implementation and documentation status

| State | Meaning here |
| - | - |
| Documentation available | Definitions, examples, diagrams, features, journeys and required implementation inputs are documented. |
| Legacy reuse candidate | Existing banking\_app capabilities require implementation review before reuse; new-module acceptance remains separate. |
| Proposed / implementation not started | Every B01–B35 module needs an agreed execution packet before new-project coding. |
| Locally tested / bank accepted / released | Separate evidence milestones, not statuses conferred by a published documentation page. |

Each module’s **Current implementation and reuse** section records legacy evidence. **Required implementation inputs** records the institution policies and contracts needed for implementation. The [delivery gates](/banking/delivery-plan) define acceptance.

## Reference and design ownership

M2P publicly groups origination, servicing, collateral and collections within its lending suite. That is a reference for explaining modular responsibilities, not an adopted architecture or provider contract. The ownership boundaries above are this project’s proposed design. [M2P core lending suite](https://m2pfintech.com/core-lending-suite/) and [reference basis](/banking/references).


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