Executive Strategy

International Banking: Modular Lending Demo Architecture

How standardized demo layers can support localized lending workflows across regions

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Future-State Demo|Shared Workflows|Execution Roadmap

5-Layer Demo Architecture

From sandbox simulation to stakeholder analytics

1

Data + API Sandbox

Reprise

Reusable lending API simulations and sandbox environments

API Endpoints

Borrower onboarding API
Credit scoring API
Income verification API
Underwriting API
Property validation API
Approval engine API

Output Produced

Reusable technical sandbox modules

Regional Customization

Region-specific credit bureau APIs, local payment rail simulations

Reusable technical sandbox modulesRegion-specific credit bureau APIs
2

Workflow

Figma

Map lending workflows into reusable modular journey templates

Key Features

Workflow canvas
Process nodes
Lending journey map
Compliance checkpoints
Regional overlays

Output Produced

Reusable lending workflow architecture

Regional Customization

Regional overlays for PSD2, GDPR, local compliance checkpoints

Reusable lending workflow architectureRegional overlays for PSD2
3

Buyer Experience / Storytelling

Tiled

Turn workflows into personalized executive buyer journeys

Key Features

Interactive microapp
Executive journey cards
KPI dashboard
Buyer branding
Stakeholder-specific navigation

Output Produced

Personalized interactive buyer experience

Regional Customization

Buyer-branded microapps, stakeholder-specific navigation paths

Personalized interactive buyer experienceBuyer-branded microapps
4

AI Recap

Synthesia

Create AI-powered async recap videos for distributed stakeholders

Key Features

AI avatar recap screen
Localized video version
Multilingual captions
Stakeholder-specific messaging

Output Produced

Localized async recap content

Regional Customization

Multilingual captions, localized messaging per region

Localized async recap contentMultilingual captions
5

Analytics

Consensus

Track stakeholder engagement and buying committee signals

Key Features

Engagement dashboard
Stakeholder heatmap
Workflow views
Content interaction
Buyer intent scoring

Output Produced

Stakeholder engagement intelligence

Regional Customization

Regional buying committee structures, localized intent scoring

Stakeholder engagement intelligenceRegional buying committee structures

Regional Lending Workflows

Two core lending journeys with regional overlays

Personal Loan Origination

Consumer lending workflow with regional overlays

Application
Identity Verification
Credit Check
Income Verification
Approval
Disbursement

Regional Customization

USFICO credit checks + ACH disbursement
APACAlternative credit scoring + local payment rails
EMEAPSD2/Open Banking + GDPR overlays
Faster consumer loan approval and digital onboarding

Mortgage Approval

Property-backed lending workflow with regional overlays

Application
Property Validation
Income Verification
Underwriting
Approval
Settlement

Regional Customization

USMortgage underwriting + settlement workflows
APACCountry-specific property verification
EMEARegional lending compliance + GDPR overlays
Improved underwriting visibility and mortgage processing efficiency

Standardization vs. Customization

What FIS controls globally vs. what SEs localize by region

Standardized Across FIS

Reusable lending APIs
Base workflow templates
Approval logic
Demo quality standards
Executive storytelling framework
AI recap structure
Engagement analytics

Customized by Region / Buyer

Credit bureau integrations
Local payment rails
Regulatory overlays
Regional lending terminology
Compliance requirements
Buyer branding
Stakeholder messaging

Problem Solved

International Banking teams no longer need to rebuild demos region by region. SEs start with a standardized lending demo architecture and localize only the regional overlays, compliance logic, language, and buyer storytelling.

65% faster demo creationConsistent quality globallyRegional flexibility preserved

Executive takeaway: Standardize the demo foundation across all International Banking teams. Let each region customize the buyer experience layer without rebuilding core architecture.