Configuration

This list captures settings, hardwired values, default values, and customization points found by inspecting the Loan Origination modules. Modules are grouped by architectural layer (Workflows, Apps, Agents, Core, Horizontal Components, Integration). It should be maintained as modules change until the formal environment, operations, and configuration model is defined. Prompt-embedded values (AI agents) and resource-embedded values (for example the adverse-action notice template) are called out where they could not be re-parsed literally in this pass.

Agent model configuration

Banking agents ship with the trial default model TrialClaudeHaiku4_5. Before production use, change each agent’s model from that default to the recommended model for that agent (see Banking Agents — Model recommendations):

Lending Policy Agent — change from TrialClaudeHaiku4_5 to Claude Sonnet 4.6.
Banking Document Agent — change from TrialClaudeHaiku4_5 to Claude Opus 4.7.
Lending Fraud Agent — change from TrialClaudeHaiku4_5 to Claude Haiku 4.5.

Leaving agents on TrialClaudeHaiku4_5 is only for trial or early exploration. For customer-impacting Document workloads in particular, keep the recommended Opus model rather than a cheaper trial default.

Core banking connector

To connect your own core banking system (for example Fiserv or Jack Henry), follow Integration and connectivity — Building a customer-owned core banking connector. OutSystems does not ship a connector for those vendors.

Lending Application Workflow (Workflows)

Hardwired Values.
- The FinalOffer human activity uses a fixed escalation timeout of TimeoutBasicTime = 3 and TimeoutUnit = Days; the other human activities (SubmitApplication, OfficerValidation) have no timeout value set.
- Screening callbacks pass fixed flags CreditCheck.IsCreditCheck = True and RiskFraudAssessment.IsCreditCheck = False.
- Status-update reason text is hardwired as "Risk flags raised" (SetStatusToNeedValidation) and "No issues found" (SetStatusToCreditCheck); SetStatusToNotAccepted passes an empty reason "".
- Submission records a hardwired StepNo = 1.
- Automatic status-change activities hardwire the acting-agent identifier AgentId = Entities.LoanAgent.LoanWorkflow (and NullTextIdentifier() on SetStatusToNotAccepted).

Lending Console (Apps)

Settings.
- SettingDashboardUseMockData forces mock dashboard data, default True (demo flag).
- TaskUndoActionWaitInSeconds controls the task-card undo wait time, default 5.
Hardwired Values.
- DoLogin error text is fixed as "Invalid credentials.", "Login operation failed.", and a "too many failed login attempts" message.
- Date-range filtering (Aux_DateFilterHelper) derives windows with AddDays from the selected DateRange.DaysToFilter, and dashboard/list logic uses fixed mock branches when the mock-data flag is on.
- The adverse-action notice is generated in this module; its disclosure literals (CRA name, address, phone, score range, dates) live in the notice template resource and were not re-verified in this pass.
Default Values.
- Static reference data SidebarAction (15 records), LocaleCommon (22), and DateFormat (9) back the navigation, locale, and formatting defaults.
- Client-side boolean state variables default to False (execution, popup, and selection flags).
Customization Points.
- Nine dashboard mock-data branches — the six dashboard metric cards plus LoanProductivity_GetCounters, the loan-volume chart, and PipelineCustomView.GetList — return mock results; replace each mock result with the real data-retrieval logic (governed by the SettingDashboardUseMockData flag).

Mobile Banking (Apps)

Settings.
- EventPollingInterval sets the event-polling trigger interval in seconds, default 5.
- EventPollingTTL sets the time-to-live of event-polling queue messages in seconds, default 10.
Hardwired Values.
- GetFileFormat maps extensions to fixed MIME types (image/jpeg, image/png, image/webp, application/pdf, application/msword, application/vnd.ms-excel, and the Office XML document/spreadsheet types); unmatched extensions raise UnsupportedFileExtension.
- DoLogin error text is fixed ("Invalid credentials.", "Login operation failed.", and a "too many failed login attempts" message).
Customization Points.
- LoanApplication_OTPChecked (validate user PIN).
Default Values.
- Static reference data such as ForYou, Suffix, ValidationProgress, PaymentFrequency, and AccountDetailFilter back the UI defaults.

Lending Agents Evals (Apps)

Non-production evaluation harness for the lending agents; its runtime behavior is driven entirely by hardwired fixture literals.

Hardwired Values.
- Every eval customer is created and matched by Customer.CustomerNumber = "EVAL", and each fixture stamps LoanApplication.ApplicationGUID = "EVAL-" + RawGuid so the teardown sweep can find and remove it.
- Synthetic contacts are derived per fixture: email RawGuid + "@eval.example.com" and a fixed mobile "+351912000000".
- Eight named scenario presets drive the fixtures ("Eval Alice Approved", "Eval Bob NoPaystub", "Eval Carol HighAmount", "Eval Dave Phone", "Eval Erin Policy", "Eval Frank Blank", "Eval Grace PreApproved", "Matthew Shelton"), each seeding fixed loan-intent values (income, loan amount, purpose, term, employment) and synthetic PII (reserved 900-xx-xxxx test SSNs, addresses, birth dates, employer, coordinates).

Lending Conversation Agent (Agents)

Hardwired Values.
- Prompt content is versioned (currently 1.26.1); the demo-mode behavior marker present in the prior revision has been removed.
- Prompt content includes the allowed workflow-state vocabulary (Started, IntentCaptured, GapsIdentified, DocumentsValidated, NeedEscalation, ReadyForAnalysis, Escalated, Resume), the required three-document set, a 30 days pay-stub freshness rule, terminal-state rules, and a strict JSON output envelope (only Answer and Options keys).
- QualifyDocument assigns a fixed DocumentTypeId = 14 and confirmation text.
Default Values.
- Prompt defaults are embedded in the BuildMessages pattern; the module has no Site Property settings.

Lending Policy Agent (Agents)

Hardwired Values.
- Behavior is defined by the agent system prompt (Def1_Goal…Def7_Output sections): answer only from supplied banking-product/policy documentation, mark unsupported information under Not in the documents, and emit a fixed Banking Terms — {Product/Account} Markdown template.
- Embedded prompt limits: at most 2 clarifying questions per interaction and quoted snippets ≤ 25 words; tool policy is fixed to "No external tools." (Def4_Tools).
Default Values.
- Static AgentProfile_* reference data (Tone, Verbosity, Proactivity, ReasoningDepth, RiskTolerance, ActionAutonomy) back the agent behavior defaults; prompt defaults are embedded in the AgentDefinition actions (Def6_Profile carries no default literal and is assembled from the runtime profile).

Banking Document Agent (Agents)

Hardwired Values.
- Prompt-level validation thresholds include zero income tolerance unless specified and 20% income variance.
- Prompt-level validation thresholds include pay-frequency multipliers 12/26/52 and a 70% deposit-to-income floor.
- Prompt-level validation thresholds include $1.00 and $0.01 rounding tolerances.
- Prompt-level validation thresholds include a large-deposit threshold of 50% of gross monthly income or $5,000, freshness windows of 30/60/120 days, and a 25% variable-comp trigger requiring two years of tax returns.
- Output/guardrail literals: PII masked to the last 4 characters, Title < 50 and Description < 500 character caps, and a fixed 8-category discrepancy taxonomy. These live in the system-prompt definition.
Default Values.
- Static AgentProfile_* reference data back the behavior defaults; prompt concern defaults (presumption of validity; conservative match policies) are embedded in the AgentDefinition actions.

Lending Fraud Agent (Agents)

Settings.
- IsDemo bypasses all fraud checks when set, default True.
Hardwired Values.
- Prompt-level credit-risk indicators include DTI > 43%, LTV > 80%, and employment stability < 2 years.
- Prompt-level AML/currency thresholds include a $10,000 CTR reporting threshold and structuring detection for $9,000–$9,999 deposits (3+ within 7 days).
- Prompt-level loan-fraud tolerances include income overstated > 10%, assets > 15%, appraisal > 20% over comparables, and > 3 applications within 90 days.
- Prompt-level KYC/transaction thresholds include beneficial-ownership disclosure at ≥ 25% and transaction-pattern rules (for example > 5 transactions per 24h, round-amount, and dormancy flags). These live in the system-prompt definition.
- Guardrail limits: at most 2 clarifying questions, snippets ≤ 50 words, PII masked to last 4 digits, and confidence ≥ 0.9 reserved for corroborated findings.
Default Values.
- Static AgentProfile_* reference data back the behavior defaults; prompt concern defaults are embedded in the AgentDefinition actions.

Lending Services (Core)

Settings.
- Currency controls the formatting currency symbol, default "$".
- GroupSeparator controls the number group separator, default ",".
- DecimalSeparator controls the number decimal separator, default ".".
- EffectiveInterestRatePA sets the default loan effective interest rate, default 0.085.
- Test_CreditCheckWithTask forces mock credit-check task creation for test purposes, default False.
Hardwired Values.
- The demo offer restart (Sync_RestartLoanOffer) writes a fixed sample offer: PrincipalAmount = 60000, EffectiveInterestRatePA = 0.085, TermMonths = 48, GUID = "QWERT123ASD456", OfferExpiryAt = AddDays(CurrDateTime(), 30), and AccountType/InitialPurpose = "Personal Loan".
- LoanOfferOptionsAdd hardwires OneTimeProcessingFee = 150 and a fixed promise-to-pay text template (brand literal "NeoBank").
- NotifyUser uses fixed notification titles and bodies (for example "Great news about your loan! 🎉").
- Audit CreatedOn/UpdatedOn stamps are set with CurrDateTime() throughout the CRUD wrappers.
Default Values.
- Static entities carry the loan domain reference data (for example LoanApplicationStatus with 18 records, status groups, types, roles, task statuses/priorities, and audit tags).
- The sample offer defaults above act as the demo restart profile.
Customization Points.
- LoanScreeningCredit.
- LoanScreeningBorrower.
- LoanOfferOptionsGenerate for nominal-interest, effective-interest, and term multipliers.
- LoanOfferOptionsAdd for monthly-payment, total-paid, and total-interest calculations.
- ServiceLoanApplicationAgreementGenerate and ServiceLoanApplicationAgreementGetURL.
- ServiceLoanApplicationGenerateAdverseActionNotice (create the adverse-action notice PDF).
- Document/OnAuthentication (build your own authentication flow).
- SyncLoanApplications.
- SyncLoanOffers.
- SyncLoanOfferClauses.
- SyncLoanPolicy.
- SyncLoanApplicationTasks.

Banking Account Services (Core)

Hardwired Values.
- Audit CreatedOn/UpdatedOn stamps are set with CurrDateTime() (and CreatedBy/UpdatedBy with GetUserId()) in the account and transaction CRUD wrappers.
Default Values.
- Static reference data AccountType (6), TransactionType (17), TransferDateOption (3), and TransactionCategory (12) back the account/transaction defaults.
Customization Points.
- SyncAccounts.
- SyncTransactions.

Banking KYC Services (Core)

Hardwired Values.
- Audit CreatedOn stamps are set with CurrDateTime() (and CreatedBy with GetUserId()) in the KYCCustomer CRUD wrapper.
Customization Points.
- SyncKYCCustomers.

Banking Sync Services (Core)

Settings.
- LoanRequestWorkflowKey identifies the loan-request workflow referenced by the sync process (set per environment), default "4826f7af-d570-4911-be66-5e68a059a6ba".
Hardwired Values.
- Workflow cleanup filters active process definitions with ProcessDefinition.Key = Settings.LoanRequestWorkflowKey.
- The three sync timers (SyncData, SyncDelete, Sync_Recreate) each carry a fixed TimeoutInMinutes = 20.
- SyncData advances the per-domain watermarks (LastSyncTimestamp*) with CurrDateTime().
- Sample screens append " DESC" when toggling table sort fields; the audit-log screen sorts by "AuditLog.CreatedOn DESC".

Solutions Common Services (Horizontal Components)

Settings.
- DevelopmentDomain stores the development environment default domain URL, default "solutions-dev.outsystems.app".
Hardwired Values.
- SampleData_IsEnabled and SyncTesting_IsEnabled gate behavior by comparing GetDefaultDomain.DefaultDomain with Settings.DevelopmentDomain.
- Customer/employee picture sync sets Filetype = "image/" + extension; audit CreatedOn stamps use CurrDateTime().
Default Values.
- Static reference data carries the shared defaults used across the solution: AuditAction (10), DocumentType (15), Gender (2), StateProv (51), and DateRange (4), plus customer, employee, job-title, branch, and region entities.
Customization Points.
- SyncBranches.
- SyncCustomers.
- SyncCustomerPictures.
- SyncEmployees.
- SyncEmployeePictures.
- SyncJobTitles.
- SyncRegions.
- DocumentCreate (default stores the document binary in the DB; can be pointed at external storage such as S3 via Document.StorageKey).
- DocumentGetContent (implement custom storage retrieval).

Solutions Common Patterns (Horizontal Components)

Hardwired Values.
- GetMimeType maps file extensions to fixed MIME types (PDF, Word/Office XML document, Excel/Office XML spreadsheet, PNG, JPEG, GIF, WebP, CSV, HTML, Markdown, and plain text), returning empty text for unknown extensions.
Default Values.
- None — this is a stateless horizontal library of reusable UI patterns, utility actions, and data converters.

Credit Integration Services (Integration)

Hardwired Values.
- Credit-check retry behavior uses TrialsLeft = 5 and Sleep(Time = 10000).
- Mock result values include application "LOAN-APP-100023", applicant "APP-001", provider EXPERIAN, inquiry type SOFT_PULL, status COMPLETED, and timestamps 2026-06-01T10:30:00Z/2026-06-01T10:30:03Z; the request id is "CC-" + ApplicationId.
- Mock credit summary values include TotalDebt = 18630, TotalOpenAccounts = 7, TotalClosedAccounts = 12, OldestAccountAgeMonths = 144, CreditCardBalance = 2500, CreditCardLimit = 10000, CreditCardUsePercentage = 0.25, AutoLoanDebt = 8500, OtherDebt = 7630, TotalInquiriesCount = 3, HardInquiriesLast6Months = 1, and OnTimePaymentPercentage = 0.962.
- Additional mock credit-summary values include AverageAccountAgeMonths = 62, AverageAccountAgeYears = 5.17, MortgageDebt = 0, CreditCardDebt = 2500, and PublicRecordsCount = 0.
Default Values.
- Static entities BureauProvider, CreditCheckStatus, ApplicantRole, PermissiblePurpose, and InquiryType; the mock payload above acts as the current default response profile.
Customization Points.
- CreditIS_CreditCheck (the public wrapper for the credit-bureau check; wire the mock MockBureau_* calls to the real bureau API).

Banking Regulatory Integration Services (Integration)

Hardwired Values.
- Mock check types include CIP_IDENTITY_VERIFICATION, SSN_NAME_DOB_MATCH, OFAC_SANCTIONS_SCREENING, MLA_COVERED_BORROWER, PRODUCT_TERMS_COMPLIANCE, and ECOA_DECISION_COMPLIANCE.
- Source constants include KYC_PROVIDER, SSA_ECBSV_MOCK, OFAC_MOCK, DMDC_MLA_MOCK, and REG_B_RULE_ENGINE.
- Compliance outcomes include AssessmentId = "BRC-000001", OverallStatus = "EligibleWithRestrictions", RecommendedAction = "ProceedWithModifiedTerms", CoveredBorrower = True, RestrictionProfile = "MLA", and restriction code MLA_TERMS_APPLY.
Default Values.
- Thirteen compliance static entities back the enumerations; the mock regulatory payload above acts as the current default response profile.
Customization Points.
- RegulatoryIS_CheckBorrower (the public wrapper for the regulatory borrower check; wire the mock MockRegulatory_CheckBorrower call to the real regulatory API).

Banking Core Integration Services (Integration)

Hardwired Values.
- Mock actions still return built-in sample records; MockBank_CreateAccount returns account number "89641376768" and MockBank_GetAllPolicy returns document "personal-loans-general-terms-and-conditions.pdf".
- The public wrappers use a fixed normalized failure path raising BankCoreException with the message "The operation is not valid and cannot be executed."
Customization Points.
- BankCoreIS_GetAllAccounts.
- BankCoreIS_GetAllApplications.
- BankCoreIS_GetAllApplicationTasks.
- BankCoreIS_GetAllBranches.
- BankCoreIS_GetAllCustomers.
- BankCoreIS_GetAllCustomerPictures.
- BankCoreIS_GetAllEmployees.
- BankCoreIS_GetAllEmployeePictures.
- BankCoreIS_GetAllJobTitles.
- BankCoreIS_GetAllKYCustomer.
- BankCoreIS_GetAllOffers.
- BankCoreIS_GetAllOfferClauses.
- BankCoreIS_GetAllPolicy.
- BankCoreIS_GetAllRegions.
- BankCoreIS_GetAllTransactions.