# Banking

- [Start here: understand Banking](https://banking.nextedge.consulting/banking/start-here.md): Plain-language definitions of applications, modules and offerings, with a bank and NBFC example and a review path.
- [Banking project review](https://banking.nextedge.consulting/banking/overview.md): A configurable banking, lending and cards platform with separate applications and institution offerings.
- [Applications and channel boundaries](https://banking.nextedge.consulting/banking/applications.md): Five application surfaces sharing authorised business services without sharing privileges.
- [Configuration and policy model](https://banking.nextedge.consulting/banking/configuration.md): A controlled institution/programme/product hierarchy with dependency checks and effective versions.
- [Super Admin application](https://banking.nextedge.consulting/banking/apps/super-admin.md): Required users, features, journeys and release boundaries for Super Admin application.
- [Banking Operations application](https://banking.nextedge.consulting/banking/apps/banking-ops.md): Required users, features, journeys and release boundaries for Banking Operations application.
- [Customer Web application](https://banking.nextedge.consulting/banking/apps/customer-web.md): Required users, features, journeys and release boundaries for Customer Web application.
- [Mobile-facing API product](https://banking.nextedge.consulting/banking/apps/mobile-api.md): Required users, features, journeys and release boundaries for Mobile-facing API product.
- [ATM application and fleet console](https://banking.nextedge.consulting/banking/apps/atm.md): Required users, features, journeys and release boundaries for ATM application and fleet console.
- [Institution and offering compatibility](https://banking.nextedge.consulting/banking/offering-matrix.md): Separate institution permissions from the products, programmes and channels they may offer.
- [Bank operating offering](https://banking.nextedge.consulting/banking/offerings/bank.md): Assemble a bank configuration with explicit core ownership, deposits, channels and operating controls.
- [NBFC lending offering](https://banking.nextedge.consulting/banking/offerings/nbfc.md): A lender operating stack without assuming bank deposit or card-issuer powers.
- [Card and prepaid programme offerings](https://banking.nextedge.consulting/banking/offerings/cards.md): Keep card lifecycle common while separating deposit, stored-value and revolving-credit books.
- [Illustrative Indian bank configuration](https://banking.nextedge.consulting/banking/examples/indian-bank.md): A fictional Indian bank showing applications, products, operating duties and complete money journeys.
- [Illustrative Indian NBFC configuration](https://banking.nextedge.consulting/banking/examples/indian-nbfc.md): A fictional lending NBFC with explicit limits on deposits, cards and channels.
- [Module comparison and ownership](https://banking.nextedge.consulting/banking/module-boundaries.md): Understand which module owns each record and outcome, including lending, cards, books and operations.
- [Module register](https://banking.nextedge.consulting/banking/module-register.md): Review 35 proposed modules and their relationship to applications and offerings.
- [B01 Institution and branch administration](https://banking.nextedge.consulting/banking/modules/b01.md): Operate separate legal institutions, regions, branches and service locations without sharing their customers or books.
- [B02 Staff identity and access](https://banking.nextedge.consulting/banking/modules/b02.md): Give bank employees the exact duties they need and remove access when those duties end.
- [B03 Product and programme configuration](https://banking.nextedge.consulting/banking/modules/b03.md): Define reusable financial products and institution programmes, then publish controlled versions to eligible channels.
- [B04 Customer onboarding and KYC](https://banking.nextedge.consulting/banking/modules/b04.md): Create verified individual and business customers before opening regulated products.
- [B05 Customer relationships and servicing view](https://banking.nextedge.consulting/banking/modules/b05.md): Show a verified, scoped relationship between parties, accounts, cards, loans and servicing branches.
- [B06 Account lifecycle and mandates](https://banking.nextedge.consulting/banking/modules/b06.md): Open, operate, restrict and close an account with accurate ownership and authority.
- [B07 Ledger and financial accounting](https://banking.nextedge.consulting/banking/modules/b07.md): Maintain balanced, traceable books or integrate a clearly designated external system of record.
- [B08 Savings current and overdraft servicing](https://banking.nextedge.consulting/banking/modules/b08.md): Operate transaction accounts, including interest, charges and authorised overdraft behaviour.
- [B09 Term and recurring deposits](https://banking.nextedge.consulting/banking/modules/b09.md): Manage deposit placement, scheduled funding, maturity and premature closure.
- [B10 Teller cash and vault](https://banking.nextedge.consulting/banking/modules/b10.md): Control physical cash and teller duties alongside the financial books.
- [B11 Payments beneficiaries and mandates](https://banking.nextedge.consulting/banking/modules/b11.md): Execute permitted payments with verified payees, proof, status recovery and reconciliation.
- [B33 Cheque operations and clearing](https://banking.nextedge.consulting/banking/modules/b33.md): Manage cheque books, instruments, clearing and returns with linked financial evidence.
- [B35 Customer digital identity and security](https://banking.nextedge.consulting/banking/modules/b35.md): Verify customer access to products and secure web/mobile sessions without treating staff access as customer authority.
- [B12 Loan origination](https://banking.nextedge.consulting/banking/modules/b12.md): Prepare loan applications and accepted agreements, with separate approval and disbursement status.
- [B13 Credit underwriting and decisioning](https://banking.nextedge.consulting/banking/modules/b13.md): Record reproducible, authorised credit decisions and policy exceptions.
- [B14 Loan servicing and repayment](https://banking.nextedge.consulting/banking/modules/b14.md): Maintain contractual loan balances, schedules and lifecycle changes accurately.
- [B15 Collateral and securities](https://banking.nextedge.consulting/banking/modules/b15.md): Track pledged assets and enforce release only when the secured obligation permits it.
- [B16 Collections and recoveries](https://banking.nextedge.consulting/banking/modules/b16.md): Resolve arrears through authorised, recorded customer contact and financial outcomes.
- [B17 Card programmes issuance and inventory](https://banking.nextedge.consulting/banking/modules/b17.md): Manage issuer-owned debit, prepaid and credit programmes and the physical/virtual card lifecycle.
- [B18 Debit card operations](https://banking.nextedge.consulting/banking/modules/b18.md): Allow card spending against a permitted deposit account while preserving available funds and holds.
- [B19 Prepaid cards wallets and PPI operations](https://banking.nextedge.consulting/banking/modules/b19.md): Operate permitted prepaid stored-value programmes without treating their balance as a bank deposit or credit line.
- [B20 Credit card accounts billing and servicing](https://banking.nextedge.consulting/banking/modules/b20.md): Manage revolving credit from underwriting to statements, repayment, collections and closure.
- [B21 Card authorisation clearing and settlement](https://banking.nextedge.consulting/banking/modules/b21.md): Process network messages and financial events with one economic effect per transaction.
- [B22 Disputes chargebacks and remediation](https://banking.nextedge.consulting/banking/modules/b22.md): Resolve payment/card disputes with evidence, deadlines and controlled financial adjustment.
- [B23 ATM application and terminal operations](https://banking.nextedge.consulting/banking/modules/b23.md): Operate a secure ATM customer session and terminal fleet through certified devices and switch interfaces.
- [B24 Reconciliation and exception management](https://banking.nextedge.consulting/banking/modules/b24.md): Prove that instructions, bank books, provider outcomes and settlement funds agree.
- [B25 Treasury liquidity and settlement positions](https://banking.nextedge.consulting/banking/modules/b25.md): Manage approved liquidity and settlement obligations with clear separation from retail servicing.
- [B26 Risk fraud AML and compliance](https://banking.nextedge.consulting/banking/modules/b26.md): Apply institution-owned risk controls and handle reviewable cases without silently making autonomous decisions.
- [B27 Service requests and complaints](https://banking.nextedge.consulting/banking/modules/b27.md): Let customers and staff resolve servicing problems with ownership and customer-visible outcomes.
- [B28 Communications documents and consent](https://banking.nextedge.consulting/banking/modules/b28.md): Deliver the correct disclosures and documents through verified channels and retain evidence.
- [B29 Management and regulatory reporting](https://banking.nextedge.consulting/banking/modules/b29.md): Produce traceable financial, operational and regulatory reports from controlled source data.
- [B30 Banking APIs integration and data health](https://banking.nextedge.consulting/banking/modules/b30.md): Expose versioned banking APIs and track source health with explicit instruction and execution status.
- [B31 Business date EOD and scheduled operations](https://banking.nextedge.consulting/banking/modules/b31.md): Run financial and operational cycles exactly once per institution business date with controlled restart.
- [B32 Security audit deployment and resilience](https://banking.nextedge.consulting/banking/modules/b32.md): Prove the release protects bank data and can be operated, recovered and audited.
- [B34 Approvals limits and operational controls](https://banking.nextedge.consulting/banking/modules/b34.md): Apply cross-channel approval and aggregate controls before a financial or sensitive administrative action can execute.
- [Cross-module end-to-end journeys](https://banking.nextedge.consulting/banking/journeys.md): Trace real operating outcomes through approval, financial effect, exceptions and reconciliation.
- [Scenario and combination coverage](https://banking.nextedge.consulting/banking/scenario-matrix.md): Risk-based coverage across institutions, products, roles, channels and failure states.
- [Current project gaps and reuse candidates](https://banking.nextedge.consulting/banking/current-system-gap.md): Evidence-based separation between legacy features and the new Banking operating platform.
- [Delivery plan and bank release gates](https://banking.nextedge.consulting/banking/delivery-plan.md): A staged path from confirmed product scope to independently verified bank deployment.
- [Decision register](https://banking.nextedge.consulting/banking/decisions.md): Required ownership, policy, interface and release inputs for planned Banking functionality.
- [M2P and primary-source reference basis](https://banking.nextedge.consulting/banking/references.md): Source-backed product patterns and current regulatory references, with explicit limits.
- [Banking glossary](https://banking.nextedge.consulting/banking/glossary.md): Shared terms for reviewing books, programmes, cards, lending and operating outcomes.
- [Operating duties and permission boundaries](https://banking.nextedge.consulting/banking/roles-and-permissions.md): Review action-level authority without giving any role blanket access to the bank.
- [API and financial data contracts](https://banking.nextedge.consulting/banking/api-and-data-contracts.md): Define authoritative reads, quotes, instructions, outcomes and callbacks before building channels.


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