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            Use Case Example Pricing for Digital Lending

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            3. Financial Services Cloud Admin Guide

            Use Case Example Pricing for Digital Lending

            Learn how to generate loan offers for borrowers and apply price discounts to products. This includes reviewing a customer scenario for a personal loan application and understanding the setup process.

            Required Editions

            Available in: Lightning Experience

            Available in: Professional, Enterprise, and Unlimited Editions

            A lending institution wants to present borrowers with personalized loan offers where the interest rate reflects their creditworthiness. Rather than quoting a single fixed rate, the institution adjusts the base rate of the personal loan product up or down based on the applicant’s credit score. For example, when the applicant’s credit score is between 701 and 800, the list rate is adjusted by 10%. This gives borrowers a transparent, real-time offer while protecting the institution from underpricing risk.

            Example
            Example

            The institution stores a base interest rate for the personal loan product in a product list rate record. A Rate Adjustment By Credit Score custom object defines how the list rate changes across credit score tiers — for instance, when the applicant’s credit score is between 701 and 800, the list rate of the personal loan product is adjusted by 10%.

            A product list rate decision table determines the list rate percentage based on the product ID, and a credit score based adjustment decision table determines the tier type and tier value based on the product ID. Both decision tables are added to the NGPDefaultRecipe pricing recipe so the pricing procedure can calculate the final adjusted rate.

            A credit score attribute definition is assigned to the personal loan product classification. The credit score attribute can be hidden so that an applicant can’t input a credit score value. Instead, the applicant’s credit score is retrieved from the party credit profile object on the DigitalLendingProductConfigurator Omniscript.

            Next Steps

            To build this example, complete the tasks under Pricing for Digital Lending in the Table of Contents.

             
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