Banking, fintech & insurance templates
Account opening, payments, KYC, underwriting and claims processes for banks, fintechs and insurers. Every one opens as a real, editable diagram — restyle it, extend it and export it as your own.
All 13 banking, fintech & insurance templates
KYC customer onboarding
Digital account opening with identity verification, sanctions screening and risk rating.
MermaidCard payment authorisation & settlement
What happens between tapping a card and the merchant getting paid: acquirer, network, issuer and settlement.
MermaidCar insurance claim
First notice of loss through repair and payment for a motor claim, with fraud checks and total-loss branch.
MermaidInsurance underwriting
Quote to bound policy: application, rating, risk assessment and referral to an underwriter.
MermaidAML transaction monitoring
Rules and models flag suspicious activity, analysts investigate, and reports go to regulators.
MermaidInternational wire transfer
Initiation to beneficiary credit via SWIFT, with screening and FX conversion.
MermaidCredit card dispute (cardholder side)
A cardholder disputes an unrecognised charge: provisional credit, investigation and resolution.
MermaidPeer-to-peer payment (digital wallet)
Sending money to a friend by phone number, including risk checks and instant vs standard payout.
MermaidLife insurance application
Application, medical underwriting and policy issue for term life insurance.
MermaidBuy now, pay later checkout
Soft credit check at checkout, instalment plan and repayment handling.
MermaidMortgage refinance process
How a homeowner refinances a mortgage: compare rates and break-even, apply, lock the rate, appraisal and underwriting, closing and payoff of the old loan.
MermaidOpen banking consent flow
How a fintech app gets permission to access bank data under open banking or PSD2: consent request, redirect to bank, strong customer authentication, token issue and renewal.
MermaidCredit card application decisioning
How a bank decisions a credit card application: identity and fraud checks, credit bureau pull, scoring and policy rules, then instant approval, manual review or decline.
Mermaid