Capability register
This register is the single canonical list of all capabilities — customer-facing, operational, and platform. Each capability has a unique CAP-xxx identifier used in the business goals register and the traceability matrix. Capabilities delivered by a module are also listed on that module's page.
For the full traceability chain (Business Goal → Capability → Module), see the traceability matrix.
Money & payments
| ID |
Capability |
BG |
| CAP-001 |
NZ bank account (NZD) |
BG-002 |
| CAP-002 |
AU bank account (AUD) |
BG-002 |
| CAP-003 |
Multi-currency wallet (USD, EUR, GBP, SGD, JPY) |
BG-002 |
| CAP-004 |
Instant NZ transfers (NPP / PayID equivalent) |
BG-004 |
| CAP-005 |
International wire transfers (SWIFT) |
BG-004 |
| CAP-006 |
Foreign exchange — live rates, rate lock |
BG-002 |
| CAP-007 |
Scheduled & recurring payments |
BG-004 |
| CAP-008 |
Bill payments & BPAY (AU) |
BG-004 |
| CAP-009 |
Direct debit management |
BG-004 |
| CAP-010 |
Apple Pay & Google Pay |
BG-004 |
Visibility & control
| ID |
Capability |
BG |
| CAP-011 |
Real-time balance & transaction feed |
— |
| CAP-012 |
Merchant name enrichment & logo |
— |
| CAP-013 |
Spend categorisation (auto + manual) |
— |
| CAP-014 |
Savings pots / sub-accounts |
— |
| CAP-015 |
Spending limits & card controls |
BG-004 |
| CAP-016 |
Instant card freeze / unfreeze |
BG-004 |
| CAP-017 |
Virtual card numbers for online purchases |
— |
| CAP-018 |
Shared accounts & joint authorisation |
— |
Insights & intelligence
| ID |
Capability |
BG |
| CAP-019 |
Monthly spending summary & trends |
— |
| CAP-020 |
Predicted upcoming payments |
— |
| CAP-021 |
Low balance alert |
— |
| CAP-022 |
Unusual transaction alert |
BG-003 |
| CAP-023 |
Net worth dashboard (linked external accounts) |
— |
Operational automation
| ID |
Capability |
BG |
| CAP-025 |
Automated regulatory reporting pipeline |
BG-009 |
| CAP-026 |
Exception-only case routing |
BG-009 |
| CAP-027 |
Automated AML submission pipeline |
BG-009 |
| CAP-028 |
Policy-as-code satisfaction framework |
BG-010 |
| CAP-029 |
Immutable audit log |
BG-010 |
| CAP-030 |
Regulator evidence portal |
BG-010 |
Security & trust
| ID |
Capability |
BG |
| CAP-024 |
Biometric login (Face ID / fingerprint) |
— |
| CAP-036 |
Passkey / FIDO2 authentication |
— |
| CAP-037 |
Step-up authentication for high-value transactions |
— |
| CAP-038 |
Real-time fraud scoring & block |
— |
| CAP-039 |
Customer dispute & chargeback portal |
BG-004 |
| CAP-040 |
Scam warning system (payee risk scoring) |
— |
Fees & pricing
| ID |
Capability |
BG |
| CAP-041 |
No monthly account fee |
— |
| CAP-042 |
Fee-free international transfers up to threshold |
— |
| CAP-043 |
Transparent FX markup display |
BG-002 |
| CAP-044 |
Cashback & rewards programme |
— |
Onboarding & access
| ID |
Capability |
BG |
| CAP-045 |
Digital KYC — document + selfie verification |
BG-001 |
| CAP-046 |
Real-time account opening (sub-10 minutes) |
BG-001 |
| CAP-047 |
NZ/AU resident onboarding |
BG-001 |
| CAP-048 |
Automated direct debit migration |
BG-014 |
| CAP-049 |
Salary redirect wizard |
— |
| CAP-050 |
In-app customer support (chat + voice) |
— |
Saving & wealth
| ID |
Capability |
BG |
| CAP-051 |
High-interest savings account |
BG-005 |
| CAP-052 |
Term deposits |
BG-005 |
| CAP-053 |
Round-up savings (spare change) |
— |
| CAP-054 |
Goal-based savings with target date |
— |
| CAP-055 |
KiwiSaver contribution visibility (NZ) |
— |
Customisation
| ID |
Capability |
BG |
| CAP-056 |
Custom card design |
— |
| CAP-057 |
App theme & display preferences |
— |
| CAP-058 |
Notification preferences (granular) |
— |
| CAP-059 |
Language preference |
— |
Open Banking
| ID |
Capability |
BG |
| CAP-060 |
CDR Data Holder compliance & consent management |
BG-013, BG-014 |
| CAP-061 |
Commercial API programme & developer portal |
BG-013 |
| ID |
Capability |
BG |
| CAP-031 |
Tenant environment provisioning |
BG-011 |
| CAP-032 |
Per-tenant module configuration |
BG-011 |
| CAP-033 |
Tenant data isolation |
BG-011 |
| CAP-034 |
Jurisdiction configuration layer |
BG-012 |
| CAP-035 |
Per-jurisdiction regulatory report profiles |
BG-012 |
| ID |
Capability |
BG |
| CAP-062 |
CDD automatic tier assignment |
BG-001 |
| CAP-063 |
Proactive financial insight engine |
BG-003 |
| CAP-064 |
Customer automation rules (sweep, round-up, rate alert, safety net) |
BG-003 |
| CAP-065 |
Pre-approval engine (nightly eligibility scoring) |
BG-003, BG-006 |
| CAP-066 |
Self-service KYC refresh |
BG-004 |
| CAP-067 |
Idle cash detection |
BG-005 |
| CAP-068 |
Automated credit decisioning engine |
BG-006 |
| CAP-069 |
Affordability calculator (CCCFA/NCCP compliant) |
BG-006 |
| CAP-070 |
Real-time capital ratio engine (CET1/RWA) |
BG-007 |
| CAP-071 |
LCR/NSFR continuous calculation |
BG-007 |
| CAP-072 |
Regulatory threshold alerting |
BG-007 |
| CAP-073 |
Dual-mode rendering engine (customer + back office) |
BG-008 |
| CAP-074 |
Role-scoped API gateway |
BG-008 |
| CAP-075 |
Shared UI component library |
BG-008 |
| CAP-076 |
Daily interest accrual display |
BG-005 |
Credit & structured products
| ID |
Capability |
BG |
| CAP-077 |
Credit limit management & utilisation |
— |
| CAP-078 |
Loan amortisation engine |
— |
| CAP-079 |
Interest accrual & capitalisation (loan) |
— |
| CAP-080 |
Contingent obligation management |
— |
| CAP-081 |
Conditional trigger execution |
— |
| CAP-082 |
Interest offset calculation |
— |
| CAP-083 |
Collateral / receivable tracking |
— |
| CAP-084 |
Dynamic exposure calculation |
— |
| CAP-085 |
Revenue-linked repayment calculation |
— |
| CAP-086 |
Trade document validation |
— |
| CAP-087 |
Conditional fund holding & release (escrow) |
— |
| CAP-088 |
Multi-party ownership & permissions |
— |
| CAP-089 |
Account hierarchy & group structures |
— |
| CAP-090 |
Multi-step approval workflows |
— |
Workflow & operations
| ID |
Capability |
BG |
| CAP-091 |
Journey orchestration |
— |
| CAP-092 |
Step state management |
— |
| CAP-093 |
Dynamic journey branching |
— |
| CAP-094 |
Work queue management |
— |
| CAP-095 |
Task execution & audit |
— |
| CAP-096 |
Role-based work routing |
— |
Credit lifecycle
| ID |
Capability |
BG |
| CAP-097 |
Loan lifecycle state management |
— |
| CAP-098 |
Arrears & collections logic |
— |
| CAP-099 |
Hardship & restructure handling |
— |
| CAP-100 |
Collateral registration |
— |
| CAP-101 |
Collateral valuation tracking |
— |
| CAP-102 |
Security release & enforcement |
— |
Customer communications
| ID |
Capability |
BG |
| CAP-103 |
Notification triggering |
— |
| CAP-104 |
Channel selection & preference |
— |
| CAP-105 |
Communication audit trail |
— |
Trade finance
| ID |
Capability |
BG |
| CAP-106 |
Trade lifecycle management |
— |
| CAP-107 |
Document processing workflow |
— |
Authentication & security
| ID |
Capability |
BG |
| CAP-108 |
Device registration & trust |
— |
| CAP-109 |
Session lifecycle management |
— |
Customer experience
| ID |
Capability |
BG |
| CAP-110 |
App navigation & deep linking |
— |
| CAP-111 |
Feature flag & remote config |
— |
| CAP-112 |
Transaction search & filter |
— |
| CAP-113 |
Statement & transaction export |
— |
| CAP-114 |
Payee management & address book |
— |
| CAP-115 |
Self-service personal details update |
— |
| CAP-116 |
Linked external account management |
— |
| CAP-117 |
Document upload & secure storage |
— |
| CAP-118 |
Statement generation & download |
— |
Operations & back-office
| ID |
Capability |
BG |
| CAP-119 |
Customer 360 view (back-office) |
— |
| CAP-120 |
Manual account action toolkit |
— |
| ID |
Capability |
BG |
| CAP-121 |
API rate limiting & throttling |
— |
| CAP-122 |
API versioning & request routing |
— |
| CAP-123 |
Distributed tracing & APM |
— |
| CAP-124 |
Metrics, alerting & log aggregation |
— |
Wealth aggregation
| ID |
Capability |
BG |
| CAP-141 |
External financial asset aggregation (KiwiSaver / AU super via Akahu) |
BG-016 |
| CAP-142 |
Net worth dashboard — tiered by liquidity |
BG-016 |
| CAP-143 |
KiwiSaver & super optimisation insights |
BG-016 |