Use cases
The user service APIs support seamless digital onboarding and maintenance by allowing banks to create IB/MB user profiles during account opening and update user's phone number in real time—ensuring synchronized credentials, secure access, and an enhanced digital banking experience.
1. Open internet banking/mobile banking user profile
API: POST /open-user-ib
Purpose:
To create an internet banking/mobile banking (IBMB) user profile in T24 during the customer onboarding process via the mobile app or at a bank branch.
Use case description:
Scenario:
A customer opens a new account through the bank's digital onboarding journey on the mobile app or at a physical branch and requires IBMB access.
System Action:
The system invokes the /open-user-ib API via the API Hub and ESB to T24, sending the customer's information.
Once the IBMB user profile is successfully created in T24:
- The customer’s username is synchronized back to the mobile app.
- A first-time login password is sent to the customer's registered mobile number via SMS.
Outcome:
The customer receives login credentials and can immediately access IBMB through the mobile app.
Benefit:
- Enables seamless onboarding with instant digital access.
- Automates the provisioning and credential delivery process.
- Enhances customer experience with minimal delay and no branch revisit.
2. Update internet banking/mobile banking user profile
API: POST /update-user-ib
Purpose:
To update an existing internet banking/mobile banking (IBMB) user profile in T24 when the customer changes personal contact details via the mobile app.
Use case description:
Scenario:
An existing customer logs into the mobile app and updates their registered phone number.
System Action:
The mobile app triggers the /update-user-ib API to T24 via the API Hub and ESB, carrying the new contact information.
Once the update is successful, all linked systems (e.g., OTP delivery, alerts) now reflect the new contact detail.
Outcome:
The customer’s contact information in T24 and the mobile app is kept in sync, ensuring continuous service delivery.
Benefit:
- Supports secure and efficient self-service updates.
- Eliminates the need for manual updates at branches.
- Keeps communication channels accurate and up to date for critical banking operations.
