SaFi Bank Space : Loan products overview: delayed loan - change status on FE

Created by User 13e07, last modified on Aug 12, 2022

SM-1269 - Loan products overview: Delayed loan - change status on FE Done

Epic: SM-962 - Loans Products screen In Review
Priority: as per Jira
Effort estimate: as per Jira
Review status: ready to review

Role: system

Objective: change status on loans that are in delay and showing the impact on the other loans (not delayed scenarios here)

ATOME related FE changes here: Atome: change status on FE

Reason: client doesn’t get additional loans while already in danger

Functional requirements: n/a

UI requirements:

  1. For a loan that is not taken, but became inactive as long as the other, delayed loan is repaid:

  • Action button: inactive, text: ‘Learn more’

  • Balance: $xx.xx credit limit

  • Balance text: Not available

  • Text: First please settle your outstanding debt to become eligible.

2. For a loan that is delayed

  • Action button: active, text: ‘Repay now’

  • Balance: $xx.xx outstanding debt

  • Balance text: In delay

  • Text: Please settle your outstanding debt immediately, it could have a negative impact on your credit score.

3. For a loan, that is taken while another loan is delayed

No special actions to make, FE acts as described here https://safibank.atlassian.net/wiki/spaces/ITArch/pages/110395408/Change+loan+s+data+actions+based+on+status+of+loan

Process flow: n/a

Execution steps: pls see the technical documentation here Loans Technical documentation

Internal dependencies:

  • Integration w risk engine SM-1270 - Integrate Loans with Risk mgmt system Done

External dependencies:

  • n/a

Alternative scenarios:

  • Users the same have access to loan products from dashboard’s tiles too, so the full page can be disabled if necessary

Acceptance criteria:

  • FE works as described in the UI requirements

  • After the first due date of the overdraft (after grace period), user can not activate BNPL and Personal loan at:

    • Loans overview screen

    • Dashboard screen (widgets)

    • In shortcuts (if set for personal loan, for example)

  • The other loans (Personal loan, BNPL) are again accessible for the client (if the credit score makes it eligible, of course) once customer repaid delayed debt

Links to wireframes/UI: not yet available (Jul10) (non delayed loans here https://www.figma.com/file/dkDQHRa1zq7tU58MiL6hBR/SaFi---UI---MVP-(Shared)?node-id=1318%3A19699 )