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Hi,

We are currently working on a loan application and would like to include the ability for a Joint Application.  Are there any existing examples and/or design considerations for achieving this capability in Maestro and  TM?

Regards,

Boyd


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      Hi Boyd,

       

      The main decision is repeat vs separate page

       

      • Repeat – makes sense technically, can be a lot of fields on one page, it is scalable 
      • Separate page – tidier UX, not scalable, questions about how you handle the navigation

       

      Other things to consider

      • You may use a combination of the two e.g. separate page for “applicant details” but aa repeat for employment details and IDV.
      • Where can you use a “same as applicant 1” option – addresses, dependents, shared finances
      • Do you need to identity verify both?
      • It is a second applicant or just a guarantor? If the latter you could get away with capturing much less data than for the primary applicant.

       

      Kind Regards

       

      Jim

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        Hi

        Another consideration is how to manage the interaction between the applicants. There are several different options... (Thanks to Derek Corcoran for this information)

        Citi have a Joint Applicant at the end

        https://dev.citi.transactcentral.com/account-open/forms/servlet/SmartForm.html?formCode=deposit-ao&tmFormVersion=1.2&package=citigold_account&GS=NY&product_list=citigold_interest_checking&Promo_ID=CKCS

        CapitalOne have a side-by-side experience. Personally don’t like it, but it’s another design option

        https://apply.capitalone.com/index.html#/getting-started?productId=4000

        Generally we recommend letting the customer know that they can Apply individually, Jointly or Add the Join LATER…

        By the way – mortgages/loans, would expect a lot of Joint applicants.

        Accounts / Cards / etc. less so, based on our experiences, only 4-5% joint applicants. 

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