Role: System
Objective: Periodically calculate and credit interest for the locked sub account.
Reason: The customers needs to get monthly interest on their account
Functional requirements:
Interest accrual is calculated:
on daily basis
from the account balance (already accrued interest is not included)
by the end of the day.
Interest payout is done by the end of the tenure.
Interest rate for the unlocked sub account can be different from interest rate for main account and for locked sub account.
Interest rate is stored in the database and will be changed over time.
Alternative scenarios:
Locked sub account is changed to the unlocked sub account - this will be covered by separate user story.
Acceptance criteria:
Transactions crediting locked sub account with accumulated interest is generated by the end of the tenure.
It is possible to see in the database what is currently accrued interest for each locked sub account.