Journey: A Journey is a decision configuration that allows you to run multiple workflows or steps.

Journey Application: An application represents an end user’s state, from start to finish through your configured decisions when applying for a product you offer.

For example, your business wants to offer a credit product that required two logical steps configured as Workflows within Alloy - the first being an “Onboarding” workflow, which does traditional KYC and fraud checks and a second “Underwriting” workflow which does a credit pull and runs through your credit policy to assign a credit limit and APR.

An Application is stateful, meaning your customer’s application can be in only one “step” (or “node”) of the application at a given time, and is advanced based on the configured outcomes (or “edges”) of your workflows or manual application review.

Applications will help simplify your use of Alloy and can be the agent of record of what state each of your end-users is in.

Workflow Nodes: These nodes include your policy logic in the form of input attributes, data services, tags, output attributes, etc

Document Verification Nodes: If a customer’s identification documents need to be verified during an application, you can utilize document verification within a Journey.

Action Nodes: There may be times where you want to account for an event that is not directly handled by the Alloy system, such as extending an offer to a customer or making a request to an external service. Action nodes can be used for this purpose.

Branches: Branches generally represent different pathways for different types of Entities that you would like to run through your Journey which could allow for different Outcomes. For instance, you may have a “Persons” Branch and a “Businesses” Branch, each Branch would have its own way of reaching an Approved or Denied Outcome. Branches also allow for different pathways to Reconciliation based on Outcomes; for instance, if 1 business Entity reaches Approved and 1 person Entity reaches Approved then the entire Journey may reach an Approved Outcome, even if more than 1 person and 1 business could be run through the Journey. Conversely, a Reconciliation could be reached if even 1 person or 1 business are Rejected in their respective Branches.

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