A shared language for how financial institutions define, price, and govern products, offers, and disclosures.
An offer customized for a specific account relationship rather than a general customer profile.
The current rate applied by the system for an active financial product or offer.
A required disclosure informing customers when a credit request is denied or changed.
The use of machine learning and automation to optimize offer creation, disclosure review, and customer personalization.
A recorded history of actions, edits, and approvals for traceability and compliance review.
The initial interest rate before applying any margins or adjustments.
A reference rate used to set variable-rate products, such as SOFR.
An offer presented through in-person or assisted channels at a branch or office.
A document specifying the terms and compliance language for a marketing campaign.
A formal request to modify an existing product, offer, rate, or disclosure, subject to review and approval for compliance.
Rules that define how an offer or disclosure appears across distribution channels.
A repository of standardized legal and regulatory text blocks used in disclosures.
An offer measured end-to-end to ensure both performance and compliance outcomes.
The evaluation process confirming materials meet internal and regulatory standards.
An offer issued based on eligibility or pre-approval criteria.
Oversight that ensures all published materials remain accurate, consistent, and approved.
The connection between governance platforms and a bank’s core or CRM system to streamline data exchange.
Business logic or rules that recommend additional financial products based on existing customer relationships.
The end-to-end interaction a customer has with a financial institution, shaping satisfaction and loyalty.
Protecting financial data and systems from unauthorized access to ensure compliance and integrity.
A centralized system for storing and governing marketing and disclosure materials for consistency and compliance.
The management and oversight of data accuracy, ownership, and compliance within governed systems.
A logic-based framework used to determine eligibility, pricing, or next-best offers.
Controls that ensure all disclosures comply with regulatory and brand standards.
A controlled inventory of approved templates, clauses, and historical versions.
The end-to-end process from drafting to archival of disclosure materials.
Assignment of disclosures to specific offers, products, or jurisdictions.
Tracking edits, effective dates, and approval records for every disclosure iteration.
Real-time creation of personalized offers based on predefined business logic.
A digital system that enables banks to create, manage, and distribute compliant customer offers efficiently.
Rules that define customer qualification for a product or offer.
Disclosure content automatically included within a digital or printed offer.
A documented authorization allowing rate or term deviations from standard policy.
Logic that defines how long an offer remains valid before expiration.
An itemized list of charges or fees associated with a financial product.
Monitoring to ensure approved offers and disclosures are executed correctly and on time.
The current progress or completion state of an active offer or disclosure.
A document that outlines rates, terms, and fees provided at the time of loan funding.
A pre-approved format with locked clauses and specific editable fields for compliance.
A framework aligning governance, risk control, and regulatory compliance across financial operations.
Visualization of how products, offers, and disclosures relate across different business lines.
An archived rate or term retained for audit or customer reference.
An offer currently active and visible to customers.
Automated document analysis that identifies clause or data inconsistencies for compliance checks.
Graduated pricing structure based on customer balances or defined segments.
A defined process for addressing and correcting issues identified during review.
The linkage of offers or disclosures to applicable regional or legal boundaries.
A required variable within a template that influences compliance or pricing logic.
A document automatically connected to a specific product or offer.
A combined presentation of approved terms and required disclosures provided to a borrower.
An automated check that verifies data accuracy and field dependencies.
Defined limits establishing the minimum and maximum profit margins for products.
Benchmarking pricing or offers against competitor or industry data.
The process of ensuring that marketing materials and offers adhere to regulatory and brand standards.
Use of structured tags to categorize, classify, and improve content searchability.
Oversight ensuring models used for pricing or eligibility remain validated, documented, and compliant.
A pre-approved message triggered by status changes in offers or disclosures.
A table defining approvers and thresholds by product type or deal size.
A centralized system of active offers and their related attributes.
Monitoring the progress of offers from approval through final delivery.
The association of offers with eligible products, channels, or customer segments.
A system that uses rules and customer data to deliver compliant, real-time personalized offers across channels.
A distinct version of an offer differentiated by rate, term, or incentive.
Coordinated delivery of offers and disclosures across digital and branch channels to ensure consistent, compliant experiences.
An offer dynamically configured using individual customer data or behavior.
A structured database that stores product rates, margins, and adjustment rules.
Policies ensuring rate accuracy and compliance with approval workflows.
An algorithm that calculates rates based on base values and adjustments.
A repository containing all product definitions, attributes, and versions.
The process of retiring a product and archiving its related records.
The structured relationship between parent and child products.
The approval and activation process for new or updated products.
The governed process of managing financial products from creation through retirement to maintain accuracy, compliance, and consistency.
Logic that determines customer eligibility for a specific offer or rate.
Conditional logic that changes a base rate depending on customer or market data.
A table defining rates based on balance, term, or channel parameters.
The governed use of data and analytics to adjust rates for greater competitiveness, profitability, and compliance.
A grouping of rate configurations that apply to similar product types.
Following laws and guidelines that promote transparency, fairness, and consumer protection.
A required communication outlining key product terms, costs, and fees.
A recurring process for revalidating offers, disclosures, and pricing accuracy.
Chronological tracking of all edits and approvals made to governed records.
Identifying and mitigating financial, operational, and regulatory risks.
Criteria used to group customers for targeted offers or pricing.
A standardized credit card disclosure summarizing key cost terms.
An offer that is uniform across segments without personalization.
A summary report showing progress, approvals, and expirations.
Oversight permissions allowing final review or override of changes.
The process of verifying that each template adheres to compliance and regulatory requirements before publication.
Management of standardized templates with clear ownership and change controls.
Tracking template edits and publication dates for version accuracy.
A controlled system instance used to validate offers or disclosures before release.
An offer with progressive benefits or rates based on customer criteria.
A specific action or data change that initiates an offer or disclosure workflow.
Measurement of how often offers are issued, accepted, or performed across channels.
A condition ensuring data accuracy before approvals or fulfillment.
The association of offer or product versions with appropriate customer segments.
A system that manages edits, maintains history, and ensures publication accuracy.
Automated movement of tasks through defined approval and execution steps.
A data exchange process enabling synchronization of governed assets across systems.
External market rate data incorporated into pricing models for accuracy.
A default offer displayed when no personalized conditions are met.
Rate or fee adjustments applied by geographic or regulatory zone.
USA Offices
3600 West Bayshore Rd., Suite 101 Palo Alto, CA 94303 4300 Commerce Ct., Suite 110 Lisle, IL 60532
India Office
Naehas Software India Pvt. Ltd 3rd Floor, Myoffiz, Plot No 270, Phase 2, Udyog Vihar, Sector 20, Gurugram, Haryana-122016