For Norway - SBL consent-to-credit-check did-consent-to-credit-check escalation-rejected-credit-check register-personal-economy-information Event_13fkti6 skip-register-personal-economy-information Gateway_10kp1dt start-event has-consented-to-credit-check Gateway_1wz6vo3 escalate-stakeholder-consent-request fetch-credit-information screen-stakeholder rejected-stakeholder Event_0layfix escalation-update-landmark-economy tax-and-income fetch-unsecured-debt Gateway_0j2qit3 Gateway_1tjfqe2 calculate-yearly-income ## Stakeholder Process Start Initiates the comprehensive stakeholder handling process. - Input: Process initiation with stakeholder information - System: Automatically triggered to begin stakeholder evaluation - Outcome: Proceeds to consent verification for credit checks Flow_1cbhztn ## Credit Check Consent Decision Checks if stakeholder has already consented to credit check. - Input: Stakeholder information and existing consent status - Gateway: Decision based on pre-existing consent - Outcome: Routes to consent request or directly to information gathering Flow_1cbhztn has-consented-to-credit-check-no has-consented-to-credit-check-yes ## Consent Confirmation Merge Merges paths from existing consent and newly obtained consent. - Input: Either pre-existing consent or newly granted consent - Gateway: Merges consent confirmation paths - Outcome: Proceeds to parallel information gathering with confirmed consent has-consented-to-credit-check-yes did-consent-to-credit-check-yes Flow_008sw6x ## Credit Check Rejection End Terminates the entire process when stakeholder rejects credit check consent. This will end the process for everyone. This is also commonly handled with an escalation and send events for communicating did-consent-to-credit-check-no ## Fetch Credit Information Retrieves credit information from external credit score provider. - Input: Stakeholder consent and identification details - System: Integrates with credit score provider API - Outcome: Credit information stored for stakeholder assessment Flow_0ccy1hk Flow_149tuhr DataStoreReference_0i5y9x3 ## Assess Stakeholder Performs comprehensive stakeholder assessment using business rules. - Input: Credit information, risk classification, and stakeholder data - System: Applies business rules including age verification tables - Outcome: Assessment result determining stakeholder approval or rejection Flow_19b9cnv Flow_0k98l4v ## Stakeholder Assessment Decision Evaluates stakeholder assessment results for approval or rejection. - Input: Stakeholder assessment results from business rules - Gateway: Decision based on assessment criteria and thresholds - Outcome: Routes to KYC process or rejection handling Flow_0k98l4v rejected-stakeholder-no rejected-stakeholder-yes ## Stakeholder Rejection End Terminates process when stakeholder fails assessment criteria. - Input: Stakeholder assessment failure result - System: Process ends with error indicating stakeholder rejection - Outcome: Stakeholder process fails due to assessment criteria not met rejected-stakeholder-yes rejected-stakeholder-no Flow_0mxpv0p ## Tax and Income Process Executes tax and income data collection via SBL process. - Input: KYC approved stakeholder information - System: Calls SBL process to collect tax and income data - Outcome: Tax and income data collected or timeout escalation Flow_0mxpv0p Flow_0h04v93 Flow_1ou5m8g Flow_0eqqxkg DataStoreReference_0ef3usx Flow_0eqqxkg Flow_149tuhr Flow_19b9cnv Flow_008sw6x Flow_0ccy1hk Flow_1ou5m8g ${__gateway_outgoing_path == "has-consented-to-credit-check-no"} ${__gateway_outgoing_path == "has-consented-to-credit-check-yes"} ${__gateway_outgoing_path == "rejected-stakeholder-no"} ${__gateway_outgoing_path == "rejected-stakeholder-yes"} ## Register Personal Economy Information Stakeholder provides personal economic information for assessment. - Input: Request for economic information after successful verification - Stakeholder: Provides detailed personal financial information - Outcome: Economic information captured for final review skip-register-personal-economy-information-no Flow_0fhlft4 ## Stakeholder Process Complete Successfully completes the stakeholder handling process. - Input: Confirmed stakeholder information - System: Process completion with all verifications passed - Outcome: Stakeholder fully processed and approved for mortgage application Flow_0komuht Flow_100hcdm skip-register-personal-economy-information-no skip-register-personal-economy-information-yes Flow_0fhlft4 skip-register-personal-economy-information-yes Flow_0komuht ${__gateway_outgoing_path == "skip-register-personal-economy-information-no"} ${__gateway_outgoing_path == "skip-register-personal-economy-information-yes"} Flow_0h04v93 Flow_100hcdm