▸ End-to-end customer walkthrough · 2 minutes
The customer
Salim Al Hinai · Nizwa
Teacher at Ministry of Education. Salary OMR 1,180 credited on the 25th for nine years. Standing order of OMR 182 goes to Bank Dhofar on the 28th. This customer threads through all three prototypes.
SH
Salim Al Hinai
Teacher · Ministry of Education · Nizwa · Ad Dakhiliyah
Civil ••••0342 · Customer 9y 2m · Salary day 25 · Stability 0.97 · Products 3 · Relationship value OMR 4,800
Trigger A1 · Live
External loan maturing · 60 days
TL
Trigger Lending AI
The engine identified the opportunity from existing bank data — no application yet exists.
| Trigger | A1 · External loan maturing |
| Evidence | RO 182 SO to Bank Dhofar · 46m |
| Inferred residual | ~OMR 2,548 · 14 instalments |
| Maturity date | Dec 2027 |
| Offer | Buyout + top-up OMR 12,000 |
| Channel | Branch · relationship-manager-led |
| Modelled conversion | 31% |
| Expected drawdown | OMR 12,000 |
CD
Credit Decisioning AI
The affordability engine runs the three methods in parallel.
| Facility requested | OMR 14,548 · 60m |
| Declared DBR | 19.6% |
| Verified DBR | 19.5% |
| Observed DBR | 19.4% |
| Policy gates | 7 of 7 PASS |
| Risk grade | A− |
| 12-month ECL at origination | OMR 94 |
| Decision | APPROVE |
| Risk-based rate | 6.75% |
DP
Deposit Pricing & CASA
The funding cost behind this facility, from the same model.
| Facility amount | OMR 14,548 |
| Marginal cost of funds | 4.15% |
| Operating cost allocation | 1.20% |
| Expected credit loss | 0.65% |
| Risk-based rate charged | 6.75% |
| Net interest margin | 0.75% |
| Return on RWA | 11.2% |
| Funding source · ladder match | 12m term rollover · Nov 26 |
Three screens · same numbers · one platform
The affordability figure in Trigger Lending (19.6%) matches Credit Decisioning (19.6%) exactly, because they are the same calculation.
Not two implementations that will eventually disagree in front of a client — one implementation, three views.
The 2-minute demo narrative
30 seconds
Act 1 · Find
Trigger Lending fires A1 when the Bank Dhofar standing order enters its final 60 days. The data was already there — Bank Muscat holds Salim's salary and sees every outbound SO. No new system needed, no bureau call, no application yet exists.
30 seconds
Act 2 · Decide
Credit Decisioning runs the three affordability methods on Salim in parallel. All three approve at RO 14,548. The counter-offer constructor shows what the maximum defensible amount would be. The policy checklist is visible — no black box.
30 seconds
Act 3 · Fund
Deposit Pricing attaches this facility to the funding ladder: 12-month term rollover in November is the marginal source. The net interest margin after ECL and operating costs is 75 bps — enough to clear the RoRWA hurdle at this grade.
30 seconds
Act 4 · Govern
Every number traces to records. The audit hash is created at origination. The decision is reproducible 18 months later. If the same customer walked in again, all three prototypes would agree — because they share the data layer, the model layer, and the policy register.
Related customers in the dataset
| Customer | Entry point | Case | Facility | Status |
|---|---|---|---|---|
| Salim Al Hinai | Trigger → Credit → Deposit | Buyout + top-up | OMR 14,548 | approved |
| Hamood Al Shukaili | Credit Decisioning | Observed CF declines what declared approves | OMR 7,500 → 2,500 | declined · counter-offer |
| Fatma Al Zadjali | Credit Decisioning | The approvable decline | OMR 8,000 | approved by observed CF |
| Said Al Maskari | Trigger → Credit → Deposit | Sultan Haitham mortgage | OMR 165,000 | approved · conditions |
| Rajesh Kumar | Credit Decisioning | The expatriate · remittance treated correctly | OMR 11,000 | approved · 48m |
| Khalid Al Rawahi | Trigger Lending | Debt-free capacity restored | OMR 45,000 | pre-approved |