Finserv Application Management

New Commercial Sales workflow
You can now manage commercial lending from initial customer interest through to a funded loan within a single, governed, and auditable process built specifically for banking, running alongside existing retail flows. The process is structured around the key stages of the banking sales journey in the corresponding Creatio sections: Leads, Opportunities, Applications, and Loans.

KYB verification and compliance
It is now possible to meet compliance obligations in a repeatable, auditable way and keep risk decisions consistent across retail and commercial deals. You can verify commercial customers through a built-in KYB (Know Your Business) process across the commercial flow in Bank.AI. Verification runs on both the legal entity and the opportunity, and Creatio records each outcome, verification status, and risk score in an evaluation history that stays available for audit.

Commercial lead management
You can now capture and qualify every commercial (B2B) and retail (B2C) lead in one place, bringing commercial lead management to the same standard as retail and improving the quality and accuracy of conversions across both segments.

Legal entity application form
It is now possible to ensure a commercial application enters its KYB compliance review with a consistent, complete profile, reducing manual data entry and keeping applicant data accurate. Collect and verify a commercial applicant's information through a dedicated legal entity application form in the Application forms section.

Legal entity financial and ownership profile
You can now understand a commercial customer's financial standing and structure at a glance directly on the legal entity page, instead of pulling the information together manually from separate sources. A new Financial summary tab captures a company's income, cash-flow, asset, and liability data, presents consolidated KPIs and balance-sheet figures. An Ownership structure expanded list on the Legal entity info tab records beneficial owners, authorized signatories, and other related roles.

Document management on opportunities
It is now possible to collect and track all documents a commercial deal needs directly on the opportunity page, from the very start. This gives you a complete, always-current view of deal documentation, reducing back-and-forth with customers, and helping ensure a deal is fully documented before it moves to underwriting. Creatio determines which documents are required based on the selected product and keeps that checklist current as the deal evolves, so relationship managers always know what is still outstanding.

Reusable Dynamic parameters component
It is now possible to structure commercial deals quickly and accurately with less guesswork and rework using the new Dynamic parameters component on the Product details tab of the Opportunities form page in the Finserv Application Management app. Parameters relevant to the deal, for example, amount, term, or credit limit, appear automatically based on the customer's need and the chosen product.

Finserv Application Management 1.3

Unified Lead and Referral Lifecycle Management
You can now manage leads and referrals within a unified lifecycle workspace. Creatio automatically detects potential duplicate leads and referrals based on key attributes to improve data quality and compliance. Optimized lifecycle stages support both B2C (retail) and B2B (commercial) processes, while leads can seamlessly transition into applications or opportunities to improve conversion efficiency and provide full-funnel visibility.

 

Centralized Reward Program Management
You can now manage customer and partner incentive programs from a single Reward Programs workspace. The section enables configuration of program rules, eligibility criteria, reward structures, and eligible products using no-code tools. Referrers are automatically enrolled in a reward program when a referral lead is created, while lifecycle tracking, performance monitoring, and analytics ensure operational transparency, compliance readiness, and data-driven optimization. An out-of-the-box referral program allows you to launch referral acquisition strategies immediately.

 

Referral Performance Visibility
You can now view referral activity and incentive outcomes directly on the contact page using the Programs & rewards tab. The tab consolidates reward program participation, referral activity, earned incentives, referred leads, and aggregated metrics such as total referrals and referral results into a single structured view, enabling faster analysis and more effective engagement with high-value referrers.

 

Automated Incentive Payments
You can now automate rule-based incentive calculation and payment generation for referral-driven programs using the Generate incentive payment for referral lead business process. The process applies configurable remuneration rules, generates incentive payment records only when predefined success criteria are met, prevents duplicate payments, and provides predefined payment statuses, ensuring accurate payouts, traceability, and integration with external financial systems.

Finserv Application Management 1.2

Compliant Consultation Flow
You can now control access to contact data by restricting navigation to contact pages until identification is completed, preventing unintended exposure of sensitive information. Enhanced Document Management
You can now upload required documents directly on the application full page using a consistent UI, improving visibility and streamlining underwriting and compliance workflows. Streamlined Underwriting
Applications with manual checks generate approval requests automatically, while applications without manual checks are auto-approved by the Creatio System Underwriter. New evaluation statuses and logs provide clear visibility, and document management is available only during underwriting to keep the workspace focused. Upload functionality and document management options are visible only during the "Underwriting" stage, maintaining a focused and streamlined interface. Enhanced Evaluation Control
You can now restart KYC evaluations directly from the application full page, while preventing restarts for closed applications to ensure transparency and compliance.

Streamlined Financial Data Management
You can now prevent duplicate financial records by limiting each income, expense, or liability type to one entry. Read-only types and visibility of unverified items improve data accuracy and financial review reliability.

AI Insights for Households
You can now view the top five AI-driven alerts per active household member in a single, centralized view, enabling faster identification of key activities and potential risks.

Improved Contact Management in Households
You can now add contacts to households directly from the contact page using enhanced navigation. Duplicate household membership is prevented, and the Household field is read-only to ensure data consistency.

Primary Contact Synchronization for Households
You can now automatically synchronize household records when primary contacts change. Primary contacts can be assigned during creation, with confirmation prompts to prevent unintended migrations.

Automated Household Address Management
You can now ensure accurate household addresses as they are automatically inherited from the primary contact and updated instantly when changes occur, with read-only fields preventing inconsistencies.

Household History and Auditability
You can now track key household changes with a dedicated History tab that records critical updates, including who made the change and when, supporting compliance and transparency.

Finserv Application Management 1.1

• AI Insights & Alerts
  You can now leverage real-time behavioral insights and risk notifications from Creatio.ai directly embedded in contact profiles. Enable proactive engagement by identifying customer needs, potential risks, and cross-sell opportunities before they arise.
• Customer Life Events
  You can now capture and record key milestones such as marriage, education, or career changes within customer profiles. Trigger AI-driven insights and personalized financial offers that align with each customer’s evolving life stage.
• Household Management
  You can now unify customer relationships by grouping multiple contacts into a single household. Gain a holistic view of financial interactions, shared assets, and collective behaviors to deliver personalized and relationship-based financial services.
• Unified Lending & Account Management
  You can now streamline operations with redesigned sections for loans, cards, and bank accounts. Gain access to dynamic forms, real-time balances, repayment schedules, and linked product views to enhance customer transparency and accelerate service delivery. Leverage expanded data fields, advanced business logic, and integrated views of related accounts, transactions, and cards — ensuring faster, more accurate, and more efficient service.
• Underwriting Workspace
  You can now empower credit teams with a unified underwriting environment for both automated and manual evaluations. Access consolidated credit reports, configurable rules, and a complete audit trail to ensure compliance, transparency, and faster decision-making.
• Evaluation Process Automation
  You can now accelerate decision cycles with a unified evaluation lifecycle. Enjoy automatic updates, expiry control, and reuse across applications — all powered by Creatio’s built-in workflows for onboarding.
• Lending Application Processes
  You can now empower your teams with a pre-configured, end-to-end lending application and servicing workflows. Streamline post-origination loan management through pre-configured service workflows, including actions such as Change Credit Limit, Close Credit Card, and Close Line of Credit. Ensure accuracy, compliance, and operational efficiency.

Finserv Application Management 1.0  –  Initial Release (Apr 2025)

• End-to-end application flow: request → account activation with built-in tasks, validations, and audit trail.
• Four composable apps: Customer, Product, Account, and Application Management—install all or just what you need.
• Consultation panel now shows modular blocks (e.g., Personal details update for address & ID docs), plus real-time advisory and onboarding in one screen.
• New FreedomUI flow to process retail deposit-account applications from capture to activation.
• Client-identification process built in—run KYC/AML checks from a single workspace.
• Enhanced Contact profile & object: adds key financial metrics and 360° customer insights with AI risk/upsell scores.
• Dynamic document engine auto-generates and re-validates required docs at each stage.
• Unified model for accounts, cards, loans, and insurance with live balances and analytics.