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1. NGP Lending Origination FS GBU UX Team June, 06, 2011.

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Presentation on theme: "1. NGP Lending Origination FS GBU UX Team June, 06, 2011."— Presentation transcript:

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2 NGP Lending Origination FS GBU UX Team June, 06, 2011

3 Introduction The purpose of this document is to visualize the NGP Lending Origination Product where a banker (product manager or business analyst) re-models the business process and customizes the application capture screens Assumptions: The storyboards presented are for illustrative purposes only and do not represent all interactions that could take place. The personas used in the storyboards may vary once they have been defined. 3

4 Our Understanding No single Originations process/ product? will ever be robust or flexible enough to provide a proper out of the box product for the full range of target banks. Variance in size, process, risk taking... will all require a product to be customized to integrate with a banks existing processes. Banks want to quickly implement changes to their business logic or improve the customer experience to respond to market shifts. For which they seek flexible, easy customizable & less time consuming solutions thus increasing productivity and reducing operating costs. That can allow the bankers from creating attributes to adjusting and administering credit policy to overall strategic business process management 4

5 Banker Background & Scenario 5 Name: Scott Brown Role: Product Manager: My Bank Small Business Lending Services Scenario: Forwards a process specification document to John Smith detailing the new business process for small business loans along with a changes to me made on application capture screens as per the feedback gathered during user testing. Name: John Smith Role: Business Analyst, My Bank Lending Services Scenario: In a meeting with Scott, John prepares white board sketch to visualize the new business process model and discusses the change s to be made on the application capture screens to improve the user experience. Note: These personas are used for this storyboard only and are fictional and not been based on market research.

6 Business Process Improvement Create new business process for small business loan Create automated verification and processing for small business loans Mandate manual verification and processing for high value loans 6

7 1. Load Project 7 Storyline John launches Originations to create a new business process for the small business loans. He clicks on the Load Project action; which opens the Select Project dialog window. He then selects MyBank Small Business Loans project from the list and clicks on the Open button. Banker Experience TBA

8 2. Display Default Process & Templates 8 Storyline John is presented with the default process that is applied to the product and a list of process templates that can be applied to small business loans products. John reviews the system-provided templates and realizes that none of them are appropriate for the process that he has finalized with Scott. Banker Experience TBA

9 3. Create New Business Process 9 Storyline He decides to create a new process for the product He clicks on Create New Business Process action from the Actions menu to create a customized process Action launches a New Business Process dialog; which allows john to specify a name for the customized process. He specifies the name, product type, region which will help him find the right workflows to fit his needs. Banker Experience TBA

10 4. Add Sub-Process - Application Capture 10 Storyline John is presented with an empty canvas and a palette to add process blocks that can be used to create a new business process for Small Business Loans. Process shapes in the palette are categorized in to different categories- Application Capture, Verification, Approval, Processing. John drags a block to the canvas from the Application Capture shape category. Application capture block contains two shapes- Create Application and Submit Application. Banker Experience TBA

11 5. Add Sub Process - Auto Verification 11 Storyline John drags Auto Verification block to the canvas from the Application Verification shape category. Newly added block displays shapes for the steps that are required for the loan application verification. Banker Experience TBA

12 6. Add Sub Process - Manual Verification 12 Storyline Because the process they decided on requires two types of verification, depending on the loan size which is >100k, John drags the manual one on as well. John then selects Manual Verification block from the Application Verification category and adds it below the Application Capture block that he has previously added. Banker Experience TBA

13 7. Add Condition for Auto Verification 13 Storyline John selects the Submit Application shape, displayed in the Application Capture block and clicks on Add Condition action from the Actions menu. Action adds a Condition icon below the shape and displays a connector. John selects the connector and links it with the Auto Verification block. Banker Experience TBA

14 8. Add Condition for Manual Verification 14 Storyline John adds an additional condition on the Submit Application shape. Action adds a Condition icon below the shape and displays a connector. John selects the connector and links it with the Manual Verification block. Banker Experience TBA

15 9. Apply Rules to Conditions 15 Storyline John Selects the condition, added for Auto Verification and clicks on the Edit Condition action from the Actions menu. Action launches the condition editor dialog which displays condition choices based on the various attributes of the loan application. John selects Loan Type as a condition and then selects Auto Loan as a value. Rule Description area immediately displays a comprehensible description of what he has selected. John reads the description and clicks on the OK button to apply the condition. Banker Experience John is very impressed at how he was able to create rules exactly the same way he created rules in Outlook. The familiarity with the process made him feel more comfortable in his ability to apply complex branching logic to his process without the need to write any code (or wait a week to involve the IT department).

16 10. Completed Business Process 16 Storyline John completes the end-to-end process and adds all required conditions To verify the process and conditions, he clicks on the Verify Process action from the Actions menu Banker Experience TBA

17 11. Specify Preview Role & Platform 17 Storyline John selects the ‘Customer’ role and platform as ‘PC’ to preview the application. The application preview changes depending on the role and platform selected Banker Experience TBA

18 12. Verify Business Process & Application 18 Storyline John is presented with the application screens as if he were a user applying for a new loan. He enters dummy data for all the different branching possibilities he has created, and sees that his business process is presenting everything according to the rules he specifies. As he runs through the predefined screens, he notices that there are changes that he would like to make to the UI to make it more compatible with their other product applications. He then closes the preview mode to make UI customizations to the screens. Banker Experience John is impressed that all the CSS Stylesheets for the bank have already been applied to the screens... Preview mode display the application as it will be seen to the applicant including the bank logo, navigation etc.

19 Customize Company Information Page: Add ‘Organization Type’ component to the page from Oracle Component Repository Customize ‘Organization Type’ component: Add ‘Cooperative’ & ‘Other’ fields to the component Create New Page: ‘Getting Started’ to give an overview of loan application process to applicants 19 User Objectives

20 1. Customize User Interface 20 Storyline John sees the list of available steps in the ‘Apply for Loan’ process and clicks on Company Info to customize. Banker Experience TBA

21 2. Customize Company Information Page 21 Storyline In the Edit Page mode, John is able to add, remove or modify any components on the page. Default components such as Customer Support, Company Information, Learn appears as a part of the template. He clicks on 'Add' to open Oracle Component Repository Banker Experience TBA In edit mode blank components get added to the page as per the layout thus allowing the admin to add more components to the page from Oracle Component Library In edit mode the existing components turns editable by which the admin can remove or modify the component These options will only be seen to the admin in the edit mode Note: At this stage we are only planning to allow the user to select from predefined fields. Future versions should consider a full UI page forms edit capability, but we need to confirm that this is within the extensibility model available)

22 3. Add Component from Repository 22 Storyline On clicking 'Add‘ in previous screen, he gets a list of all the components from the Oracle Component Library. He selects 'Organization Type' component to be added on the page. Banker Experience TBA

23 4. Display Component Added 23 Storyline 'Organization Type' component gets added to the page. However John finds that he needs to add some additional fields to the component. He is able to customize the component. He clicks on 'Edit Component' icon to bring up the component properties. Banker Experience TBA The component gets displayed with the customizable content

24 5. Customize Component 24 Storyline A list of all the fields associated with ‘Organization Type’ component is displayed. John is able to choose the fields to be displayed/ removed from the page. He selects Co-operative & Other to be displayed on the page. Banker Experience TBA Other tabs allows the banker to change the properties of the component

25 6. Display Customized Component 25 Storyline The 'Organization Type' component gets updated with the additional fields. John previews the application once again before going ahead with further customization. He selects Preview Application from the Actions menu Banker Experience TBA

26 7. Preview Application after Customization 26 Storyline John previews the application as it will be seen to the applicant. The only change remaining is to add one more step in the entire process to give applicants an overview of the application process. Banker Experience TBA

27 8. Create New Page 27 Storyline John selects ‘Add New Page’ from the Actions menu. He enters the page properties and choose a layout for the page. Once done with the initial setup, he re- orders the page so that it appears as the first page in the application. He does that by selecting the Manage option. Banker Experience TBA

28 9. New Page Added 28 Storyline A new blank page called 'Getting Started is added as the first page in the process. John can now add a customized message on this page by adding relevant components from the Oracle Component Library (Refer Slide 21) and further customizing the look and feel of the component (Refer Slide 23). Once the content is added John takes a final preview of the new page in context with the rest of the pages in the process. Banker Experience TBA Page Wizard gets updated with the new page Default component s are displayed Area to add new component from the Oracle Component Library

29 10. Preview Application 29 Storyline Once satisfied with the customizations, John closes the preview and saves the entire process. Banker Experience TBA Welcome message gets added on landing page

30 11. Preview Available Process 30 Storyline John goes back to the initial list of available processes to select and sees it in the list of available process. John is now satisfied that the new page is now reflected in the business process along with the other UI changes that are done. Before logging off from the product he once again Saves the changes made and clicks Sign out Banker Experience TBA


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