Capabilities traceability matrix
This matrix traces every business goal through its required capabilities to the system module that delivers each one. It is the single place to verify that every business objective has a module delivering it, with a documented satisfaction mode.
Traceability chain: Business Goal → Capability → Satisfying Module → Mode
How to read this matrix
| Column |
Meaning |
| Business goal |
The BG this capability satisfies — links to the full goal description |
| Capability |
CAP-xxx identifier and name — links to the capability register |
| Satisfying module |
The module responsible for delivering this capability — links to the module page |
| Mode |
GATE = hard block · AUTO = automatic · CALC = calculated · ALERT = notified · LOG = immutable record |
| BD owner |
Business domain that owns the goal — links to domain page |
| Human needed? |
Whether a human must act on the output for the capability to be effective |
| Status |
Planned = not yet built · Built = implemented · Deployed = live in production |
The matrix covers capabilities that are directly linked to a business goal. The full capability register (including capabilities not yet mapped to a BG) is at capabilities/index.md.
Customer & growth goals
BG-001 — Frictionless digital onboarding
| Capability |
Satisfying Module |
Mode |
BD Owner |
Human needed? |
Status |
| CAP-045 Digital KYC — document + selfie verification |
MOD-009 eIDV & document verification |
GATE |
BD01 Customer |
EDD cases only |
Planned |
| CAP-046 Real-time account opening |
MOD-009 eIDV · MOD-010 CDD engine |
GATE |
BD01 Customer |
No |
Planned |
| CAP-047 NZ/AU resident onboarding |
MOD-009 eIDV & document verification |
GATE |
BD01 Customer |
No |
Planned |
| CAP-062 CDD automatic tier assignment |
MOD-010 CDD tier assignment engine |
AUTO |
BD01 Customer |
No |
Planned |
BG-002 — Seamless NZD ↔ AUD cross-border experience
| Capability |
Satisfying Module |
Mode |
BD Owner |
Human needed? |
Status |
| CAP-001 NZ bank account (NZD) |
MOD-002 Core account engine |
AUTO |
BD06 Payments |
No |
Planned |
| CAP-002 AU bank account (AUD) |
MOD-002 Core account engine |
AUTO |
BD06 Payments |
No |
Planned |
| CAP-003 Multi-currency wallet |
MOD-002 Core account engine · MOD-025 FX rate lock |
AUTO |
BD06 Payments |
No |
Planned |
| CAP-006 Foreign exchange — live rates, rate lock |
MOD-025 FX rate lock & settlement |
AUTO |
BD06 Payments |
No |
Planned |
| CAP-043 Transparent FX markup display |
MOD-025 FX rate lock & settlement |
AUTO |
BD06 Payments |
No |
Planned |
BG-003 — Intelligent financial assistant
| Capability |
Satisfying Module |
Mode |
BD Owner |
Human needed? |
Status |
| CAP-063 Proactive financial insight engine |
MOD-039 Customer risk score · MOD-040 Customer health score |
AUTO |
BD01 Customer |
No |
Planned |
| CAP-064 Customer automation rules |
MOD-051 Automation rules engine |
AUTO |
BD01 Customer |
No |
Planned |
| CAP-065 Pre-approval engine |
MOD-029 Pre-approval engine |
AUTO |
BD05 Credit |
No |
Planned |
| CAP-022 Unusual transaction alert |
MOD-023 Transaction fraud scorer |
ALERT |
BD01 Customer |
Review |
Planned |
BG-004 — Maximum self-service
| Capability |
Satisfying Module |
Mode |
BD Owner |
Human needed? |
Status |
| CAP-039 Customer dispute & chargeback portal |
MOD-053 Case & complaint management |
AUTO |
BD01 Customer |
Review (complex cases) |
Planned |
| CAP-015 Spending limits & card controls |
MOD-021 Payment limit & velocity controller |
GATE |
BD01 Customer |
No |
Planned |
| CAP-016 Instant card freeze / unfreeze |
MOD-021 Payment limit & velocity controller |
AUTO |
BD01 Customer |
No |
Planned |
| CAP-066 Self-service KYC refresh |
MOD-010 CDD tier assignment engine |
AUTO |
BD01 Customer |
No |
Planned |
Financial & commercial goals
BG-005 — Build a profitable, stable deposit base
| Capability |
Satisfying Module |
Mode |
BD Owner |
Human needed? |
Status |
| CAP-051 High-interest savings account |
MOD-005 Daily accrual calculator |
AUTO |
BD01 Customer |
No |
Planned |
| CAP-052 Term deposits |
MOD-007 Account state machine |
AUTO |
BD01 Customer |
No |
Planned |
| CAP-067 Idle cash detection |
MOD-039 Customer risk score |
AUTO |
BD01 Customer |
No |
Planned |
| CAP-076 Daily interest accrual display |
MOD-005 Daily accrual calculator |
AUTO |
BD01 Customer |
No |
Planned |
BG-006 — Real-time credit decisioning
| Capability |
Satisfying Module |
Mode |
BD Owner |
Human needed? |
Status |
| CAP-068 Automated credit decisioning engine |
MOD-028 Credit score & risk rating |
AUTO |
BD05 Credit |
No |
Planned |
| CAP-069 Affordability calculator |
MOD-027 Affordability calculator |
CALC |
BD05 Credit |
No |
Planned |
| CAP-065 Pre-approval engine |
MOD-029 Pre-approval engine |
AUTO |
BD05 Credit |
No |
Planned |
BG-007 — Capital and liquidity managed in real time
| Capability |
Satisfying Module |
Mode |
BD Owner |
Human needed? |
Status |
| CAP-070 Real-time capital ratio engine |
MOD-033 RWA & capital ratio engine |
CALC |
BD03 Treasury |
Review only |
Planned |
| CAP-071 LCR/NSFR continuous calculation |
MOD-032 LCR/NSFR calculator |
CALC |
BD03 Treasury |
Review only |
Planned |
| CAP-072 Regulatory threshold alerting |
MOD-033 RWA engine · MOD-032 LCR/NSFR |
ALERT |
BD03 Treasury |
Review |
Planned |
Operational goals
BG-008 — One front end — customer and operations from the same codebase
| Capability |
Satisfying Module |
Mode |
BD Owner |
Human needed? |
Status |
| CAP-073 Dual-mode rendering engine |
MOD-052 Role-scoped data access |
AUTO |
BD09 Technology |
No |
Planned |
| CAP-074 Role-scoped API gateway |
MOD-044 JWT role-based access control |
GATE |
BD09 Technology |
No |
Planned |
| CAP-075 Shared UI component library |
MOD-052 Role-scoped data access |
AUTO |
BD09 Technology |
No |
Planned |
BG-009 — Automate everything that can be automated
| Capability |
Satisfying Module |
Mode |
BD Owner |
Human needed? |
Status |
| CAP-025 Automated regulatory reporting pipeline |
MOD-036 Prudential return builder |
AUTO |
BD09 Technology |
Review only |
Planned |
| CAP-026 Exception-only case routing |
MOD-051 Automation rules engine |
AUTO |
BD09 Technology |
No |
Planned |
| CAP-027 Automated AML submission pipeline |
MOD-037 AML reporting pipeline |
AUTO |
BD07 Financial Crime |
No |
Planned |
BG-010 — Governance and compliance built in
| Capability |
Satisfying Module |
Mode |
BD Owner |
Human needed? |
Status |
| CAP-031 Tenant environment provisioning |
MOD-052 Role-scoped data access |
AUTO |
BD09 Technology |
No |
Planned |
| CAP-032 Per-tenant module configuration |
MOD-052 Role-scoped data access |
AUTO |
BD09 Technology |
No |
Planned |
| CAP-033 Tenant data isolation |
MOD-052 Role-scoped data access |
GATE |
BD09 Technology |
No |
Planned |
BG-012 — NZ pilot Year 1, AU Year 2, international from Year 3
| Capability |
Satisfying Module |
Mode |
BD Owner |
Human needed? |
Status |
| CAP-034 Jurisdiction configuration layer |
MOD-052 Role-scoped data access · MOD-036 Prudential return builder |
AUTO |
BD09 Technology |
No |
Planned |
| CAP-035 Per-jurisdiction regulatory report profiles |
MOD-036 Prudential return builder |
AUTO |
BD09 Technology |
No |
Planned |
Open Banking goals (proposed)
| Capability |
Satisfying Module |
Mode |
BD Owner |
Human needed? |
Status |
| CAP-060 CDR Data Holder compliance & consent management |
MOD-061 Open Banking API gateway · MOD-049 Consent capture |
GATE |
BD06 Payments |
No |
Planned |
| CAP-061 Commercial API programme & developer portal |
MOD-061 Open Banking API gateway |
GATE |
BD06 Payments |
No |
Planned |
BG-014 — Automated bank migration via Open Banking
| Capability |
Satisfying Module |
Mode |
BD Owner |
Human needed? |
Status |
| CAP-048 Automated direct debit migration |
MOD-022 Payment processing |
AUTO |
BD01 Customer |
No |
Planned |
| CAP-060 CDR Data Holder compliance & consent management |
MOD-061 Open Banking API gateway · MOD-049 Consent capture |
GATE |
BD06 Payments |
No |
Planned |