Enhance Your Loan Agreement Process with Customer Service Management System in Loan Agreements

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so I'm gonna get started because I like to start on time and we'll get going here so thanks for attending our webinar today I'm mark Leeson I am joined today with Veronica heartless Veronica say I am hi everybody that way we know your audio is working too so we're going to show you some things that you probably not seen before lending and Finance software will briefly explain what decisions is and why it's so much more capable than the kind of software that lenders typically use and see in the market we'll do a short demo and then take a look behind the scenes to illustrate how any lender can leverage the power of decisions for their unique business processes Veronica I'm going to ask you they're sorry right now but how do our participants participate do they we're using the they can they can send us a note through that or they're not on audio is that right that's correct so that we don't have the audio set up for the attendees but you can either post a question in the chat feature or in the QA so you should see that available at the bottom of your zoom screen okay so very good thanks for that so we're going to get started I have a brief introduction here a total of about 10 pages of my intro here can I keep it very light for about 10 minutes and then we're gonna do a demo of a loan origination system that we built here in three days and then Veronica is going to show you the backend of that and how we built it and how we build something new so just as a brief kind of qualifier for who I am and my credentials I've been in the Sun in the software business for over 30 years with the last 15 years in financial technology as both lender and vendor I've been a CTO and a director of product management at both vendors and lenders built servicing and origination systems from scratch I've had hands-on experience with almost every piece of vendor software in the space and that experience has allowed me to see literally hundreds of lending technology operations up close under the covers deep into the guts of the code everywhere from the biggest banks to the tiniest tiniest of startups and every lending market mortgage auto consumer solar online healthcare commercial lending payday lending and every credit trudged so I've definitely developed a perspective on that so for my intro to this webinar I'm going to show you this nice diagram that I drew up to illustrate how simple lending lending systems really are okay every loan starts somewhere from that first lead touch I'm showing some examples here lead generation from your own marketing or from lead gen aggregators brokers and realtors and mortgage portals like dealer track and route one and auto dealers for sure and auto and also in power sports or construction equipment point-of-sale at a retailer like furniture electronics I did a lot of work in solar lending and home improvement and the first touch there is installers and contractors and of course borrowers directly and then those leads go somewhere for initial evaluation and routing sometimes they go straight into an L o s sometimes they hit one or more of the first gates that I'm showing here CRM systems like Salesforce in lots of consumer lighting especially and also a mortgage they need to go through some sort of lead filtering and lead buying process and rules and in most lending there's some sort of pre-qualification steps to determine basic eligibility before a lender spends money and credit data and my pictures crude as they are try to illustrate the reality of all these processes they almost always include software systems human beings making decisions and judgments and spreadsheets and documents with rules and formulas so from that first filter you go into your origination system sometimes that's a nicely automated LS in some markets in Auto and mortgage that's typically reasonably well handled for parts of the origination process most times in many markets that's once again a combination of some software some people underwriters or others making judgment calls looking at stuff and spreadsheets with the rules in the formulas and then after you've originated the loan it goes over to your servicing system either an in-house servicing system or an outsourced servicer or it lives out the rest of its life again on systems with people with spreadsheets so far so simple and then you have to think about these others parts around the core pieces the other systems and data that come into every lending scenario and these is just a small set from my experience and then there are more people than just the ones I talked about originally involved there's a lot of other people involved in every step of that loans life from the borrower's touch to the audit and compliance people and all of those people and systems need to get connected so you do that you do it with unique KPIs for every combination you usually get to pay for that work to your vendors or you pay some developers to do that and then you usually have to wait for it and then you connect all the people which again is they have all have unique work processes and rules and almost every one of these interactions in my crude diagram here systems and people people-to-people systems two systems none of those interactions about any of the other ones so there the data flows in kind of a sometimes in two directions sometimes just in one but it only flows in those directions and it's usually tough to pull it all together so even the big pieces of the core their origination and servicing and CRM software only have the most simplistic connections you know you can get Salesforce to push a lead to your loan origination system but you cannot have a multi-step multi conversation with Salesforce in your origination system there api's don't support that sales forces might but your L OS doesn't and then the same is true of L os/2 servicing you push a loan over there that's the end of that conversation if you want to tie that data together it ties together in a data warehouse somewhere which again is another piece of expensive software so there's a better way there really is but it's just not where lenders typically look for it so I found that better way a few years ago like a few people at decisions I was a customer before I worked here so I was the chief product officer of a really innovative health care lender we needed workflow both human and machine that was way outside the capabilities of typical L OS and LMS and CRM software we needed to build and execute some pretty complex rules that's where we're using a lot of unstructured data and non-standard data like health care procedure types and we were pretty sure that we're gonna have to build all that from scratch with a combination of dotnet for the user facing stuff and a java-based open source rules engine now they found decisions so what is it decisions is a code free completely graphical workflow and rules platform maybe you can you don't need developers to build things and we're going to show you that in just a minute you could build really strong things that lenders and finance businesses need so why decisions for lending and finance it automates any or all of the lending lifecycle Enzo is making the point through my initial slides there is most of the l OS CRM and servicing software are kind of founded by their perspective of where the lifecycle starts an end and if you step outside that things get complicated you have to start building separate stuff outside that it automates any human or data based interaction so this is the workflow piece from mobile loan applications to customer surgicenter Service agent workflow and again at any stage of the loans life it creates and manages any business rules from simple lead filters to really complex matrix rules and rule sets no code no black boxes this is what decisions is built on this is why I found it because I needed to build really complex rules that had a whole bunch of variables in a lot of different ways and I did not want to build that in Java it integrates data from or to any other system or database you don't need custom code we're going to show you this in a few minutes how we build an integration on-the-fly and that is a key piece of that as well so there's two basic modes for decisions end user and designer so from this end user perspective showing on this slide dashboards and key performance indicators real time data and stats on any part of the business again dashboards and KPIs are typically part of lots of different kinds of software but with decisions you can pull it all together on a single platform and have all your KPIs and dashboards in one place without necessarily building a data warehouse outside of that web and mobile forms without code without separate web development tools or teams again another reason I work at decisions today is my frustration was having to do that yo forms know what they need to do and they're connected so it's not a separate exercise portals for online applications dealers partners any other web or mobile touch point again on a single platform workflow and task management that's the core of lending that's the core of decisions any type of queuing any type of tasks routing make it easy for anybody inside or outside the organization to understand or execute any type of task and you can report on anything on any device any location from the designer perspective it's visual it's all visual designers which we're going to show you here in just a few couple minutes I'm lending in finance that means decisions covers the entire breadth of the business no technical walls between origination and servicing work no limits on where application flow starts or ends and more rules processing much more easily set up than any black box with full accountability and audit trails for everything that's ever done so taking a little closer look at how we solve the problems in lending finance business rules are the foundation of every business they take on extra importance in lending because business rules in lending and finance every one of them is connected to either and may be or profit in compliance those two things can either make you money or lose you money and every business rule needs to be followed because it's being watched so closely by so many people lots of rules in finance and lending still lack a completely automated structure though so we provide that we we put structure around things like judgment calls and exceptions and manager overrides and then we manage workflow so while everybody has this dream and lending of a completely paperless completely automated lending flow that's still a dream it's a people business it's still no people driven in so many ways you just need to give the people the tools to make it more to do their jobs more quickly and easily and in a more structured fashion all those interactions benefit from having structured processes so the kinds of things we're showing on this page Eric using tasks the portals that I talked about in terms of being able to build things but that's part of the process electronic document signatures uploading and capturing documents and then integration so this was the thing that mostly drove me crazy when I was a CTO is how hard it was to integrate all these different pieces and this is one again one of the reasons and one of the decisions exists and one of the things that it does better than any piece of lending software is you can integrate anything from anywhere any data type you can store data anywhere you can get data from anywhere as long as you can connect to it in some way we can process it so the difference between most companies and software companies saying we have an API is we have an API and then an engine that can handle it so we can get some unstructured data and know what to do with it that is different since I've been in the lending software business for so long I know you can't just check out your LS or your LMS or your CRM system or your accounting system and start over tomorrow and I'm not asking you to do that but I'm asking you to consider that you can wrap things around you can just you can weave decisions into an existing structure and this is very typically how it's used in lots of industries not just Finance and lending so a few examples here on this page mobile and online loan applications portals as I said lead processing that was a great Bugaboo for lots of my customers and when I was in the L o s business is these things happen before the loan before you get to an L LS so something had to be built outside of the yellow s to do that that was not easy as I talked about processing pricing eligibility we have several mortgage customers that use our engine for pricing and eligibility add-on products is really tough again to try to have all of the tables of rules for individual states and all n kin rates that's tricky and then the back end things like refine remarketing after the loan is done this is you know we don't stop when the when the loan is done we can keep going for as long as you want to and manage every part of that so my last slide here the intro is we are flexible everybody says they're flexible but we have a few more points about that that we think makes us more flexible you can use decisions on any browser or any mobile device you can use data from anywhere store it anywhere you can deploy decisions any way you want that's a pure cloud servers service you can host hosted by us hosted at AWS or Azure you can run it in from on-premise in a company data center which is really important in blending and Finance because lots of banks and regulated entities like credit credit unions and others cloud solutions are tough because you're you need customer data that sits behind the bank's firewall and you're asking for a way behind that firewall and I know from hard experience that's a tough ask and you can license it any way you want on a subscription basis or with a perpetual license no matter what there's never any per transaction or per account fees which again is pretty common in lending in finance so that's our intro this is what we're going to do next we're going to do a workflow and rules demo that I'm going to run through in 10 to 12 minutes and then Veronica is going to show you how all the magic happens and I'm not going to read you that list on the right but that's what our demo does everything on that list we've built a loan origination system that does all those things we built it in three days we tested it for two more and I just kind of tweaked it a little bit so the put what you're going to see is the product of one week's worth of work so I'm gonna jump out of that and jump into decisions so I'll take a breath and if anybody has a question you can ask again I'm gonna I'll get started here but if anybody has any questions you just let me know all right so what we're looking at here this is the decision studio and this is our lending queue that we've built here our loan processing queue so this is an active report built in decisions it does not need to be shown in the studio I'm doing this for the sake of demoing it not for the sake of any sort of real world example in terms of how you would display it this report can would be in a standalone on it as a standalone webpage and we're going to show you how that works later in the in the demo in terms of how you get to a standalone page but this I for the sake of being able to jump to from the front of it to the back of it easily I'm showing you this here so lots of things going on here active tiles with all our current processes KPIs for what's awaiting documents anybody in lending knows what these queues look like and we give you complete to build any of these kinds of things there's a very standard view for both for lending and Finance and in many other types of businesses so the so on the right-hand side here are is the steps that have been taken so far on any particular loan so if I click back and forth I can see where all the steps are so I'm gonna get going here I'm gonna I'm gonna go apply for a loan so I'm gonna jump out of my lender view and this is my end user view as I said earlier this is a form this is a web form it's a mobile form you can run out any device but since it's a lot harder to run this demo on my phone and show it to you I'm going to do it here so while he types in all this information I'm just going to point out that all the forms you're going to see throughout this process we're built in our drag-and-drop what-you-see-is-what-you-get form designer so everything here can be customized to its very look that you're going for and to show the fields and the information that's important for you go ahead Veronica know about that postal service all right I wasn't sure yeah so you might have noticed that we had to use USPS normalize at the bottom of the screen and when he selects yes what that does is actually makes a call out to the United States Postal Service database and reformat our address with what they have in their database so if it's not quite written I think he left off the street and you'll notice that it automatically capitalized everything but we can easily make those calls out to the external systems even from our UI now the second form here of course again he's going to fill out this information about the social security number as a typed in the date of birth notice that he's not formatting it like a normal date but decisions was going to recognize and automatically reformat a date that's typed in into a date that's a actual correct format you can have drop-down lists text boxes currency boxes you have a lot of flexibility of the different components that you can use on these forms so here he's entering in his gross monthly income and selecting a a loan amount that's gonna really be taken into the rules that are going to run later on to determine whether or not they're going to be approved for this loan now for the channel go ahead mark go ahead and talk about that channel yeah I was going to talk about this so this is not real this is not an end user this is a simulation for demo purposes only we would never this channel to a real borrower but we do we run rules and we'll inflows based on the different channels and instead of having to set up ten different websites to submit from so that we would pick that up we just put this little drop list on here so this is something that we use to strictly demo for demo purposes so I'm gonna submit my application with all that stuff and there as Veronica said it matters how long I've worked at an employer and it matters how much money I make so not unusual and look at me and lucky me I have been approved so I'm gonna go review my offer and on this page again this is a standard federal Truth in Lending disclosure page it looks pretty simple again your loan origination system can do this building it from scratch is probably something you would not want to do but we did this in about 30 minutes which includes we ran through all the rules to come up with our rate we have a rate scoring and product eligibility table we calculated the total of the amount of interest and the total payments we used a matrix rule to determine how what the term of the loan was based on a set of other inputs and we calculated you did the algebra to figure out what the payment is so again that's not something that nobody else can do but it's something that we can do really quickly and that you don't need to go you know you don't really need to go call something else to do that so we're going to upload a couple pieces of identification here it's asking me for driver's license and a pay stub I'm gonna draw upload something that's not a driver's license first because that's what something I want to show you and what that is is this is my Harvard ID back when I went to Harvard and had a different name but seriously what we've done there is this message right here that sort of looks like a driver's license it has a picture and some text on it but it isn't and what we've done here is we called Google Vision and we've taken the score that Google vision gives us on a driver's license and created this friendly message here that says that doesn't really look like a driver's license so let's upload a driver's license and see what Google Vision does with that so again is not something that I've ever seen any loan origination software do I know it's doable because it's Google Vision it's an API call but it's not easily doable with most tools it's easily doable with decisions so I got a friendlier message there I'm gonna upload my pay stub here to keep things moving I've got a pay stub there so Google Vision likes my driver's license it says my pay stub looks a little fuzzy it's got this watermark stamped across my pasted up there so it's fuzzy but it's within the threshold of acceptable by Google Vision again to my point earlier humans are gonna look at this stuff so I'm gonna upload that and I got another message again the form and the flow all generated automatically so the application was submitted and I'm gonna step out of my borrower role and back into my loan processor role so there's the application that just was they've got submitted in the verification documents that were received you can see we're setting these statuses dynamically as things happen a few ways you can get to the data behind that you can look at you can go verify documents you can view the credit report I can click on this application ID link over here and get some more detail about that as I said before you can see everything that's happened every step of the flow all the documents that got uploaded and everything else that's happened so far so from here let's go do a couple of things so first I want to go view that credit report because there's something about this that a landing audience will probably appreciate and that is so this is a PDF version of the credit report and you'll notice that it's not a credit report from one of the big three bureaus every lending software can get can pull data from Experian to you or Equifax that's just part and parcel of what they do you can get that X a get that XML and then have more or less capability to do something with it we set the bar a little higher for ourselves here we called credit technologies who is a partner of ours in the mortgage business and what they do is they do a tribunal merge with some value-added stuff their score improvement services that they add so this is not a standard credit report it is a completely different set of Acts that we had to go get and it has as I said it's a try Bureau merge but we got both the XML and the PDF the PDFs available to view but we called a new API a different API not the one that yours that any lending software can call so that again for me as a former product officer and business officer in terms in the lending business that capability to call an X you know and a Value Added Bureau or somebody outside of the big three is it usually took a lot of work and a lot of time so let's go verify those documents that our borrower uploaded so there's my driver's license and again all these forms are standard and built easily in decisions and I'm going to go send that for signature because everything looks okay to me so what we're doing here is we are calling and we are sending it over to and i've sent it out there to be a print to be processed and hopefully it should land in my email box there it is I had one in there before there's there it is right there so that is my so it landed in my email box and again if you've ever used you know what this looks like again integration is simple again we did this as part of what we've done what we did in our three-day exercise to build this loan origination system so I'll say continue to that I'll say ok so again not you know not rocket science but again not trivial and not but and not magic which is actually a good thing and easy enough for decisions to do is we've now inserted we've merged this document with our lender name we took a standard document template put all the terms of the loan in there and we are going to sign that document with an electronic signature again you can do more with and and do more with the signatures but I'm going to keep it simple and use my standard signature and sign this puppy so we're signing that I finished there I'm gonna say no thanks to that so let me go back to my lending queue here and actually in my email box I already got back my just the fact that the things been signed so what we're doing here is does not do push notification so you have to call other electronic signature software has push notification so we set up a workflow tasks that runs in the background that every minute is going to check to see if my documents but stein so while we're waiting for that i'm going to show you that you know we've actually got the contract here so come on come on update upload my thing so it's gonna go there any second now yeah so it takes just a second for like you said it takes about a minute so it's just a little bit of a lag well while we wait on for that yep interesting well it wouldn't be a demo if it didn't take longer than a minute so I'm yeah there it is I just needed me to start talking bad about it so right so there it is my status changed again I didn't have to refresh this page again this is all web-based but I don't have to refresh that page it uploaded this status so let's go take a look at our sign alone contract again there it is and that thing is signed so that is basically the end of my flow here so there's a ton of stuff that happened behind behind all that and this is where I'm going to turn it over to Veronica to show you that part alright so I think what I'll do mark if you want you can go ahead and stop sharing then I'll share my screen I'm basically on the same screen but we live on the opposite sides of the United States so here we are using different computers so mark could you verify that you can see my screen I can't see your screen you can't okay perfect thank you so I'm gonna start by actually going into showing us how this was all built out decisions of course is a drag and drop below business process management system so when I actually go into our loan approval flow here you can see it's really a Visio like studio where we can literally drag and drop items connect them together I had a couple of configures configuration and have a completely working workflow so what you see here is that we've broken this into actually a few sub flows and we use these sub flows which is really just another workflow that we've linked to the current workflow so that we're able to reuse different pieces of this project in other projects as well we're all about being able to reuse things here in decisions so if we're able to not have to reinvent the wheel every time that's exactly what we're going for but here in these black steps these are those sub flows I was just mentioning so I'm going to actually jump into the first gather application and here inside this workflow you're going to notice that right in the very beginning we have a couple of four these were those forms that Mark was filling out right when we kicked off that demo so we saw the first form where we entered in the name and the address information the second form that we saw was entering in the their monthly gross income and selecting how much of a loan that they want to apply for and then the blue steps are really just administrative steps we created a borrow in the database and save that that information that was entered in on the forms to dot database from there once we gathered the applicant data then we went into another sub flow and when we called the channel flow and here we have a channel matrix roll and now what's nice about decisions is that we have both the work flow as well as the role engines that weren't in tandem together so this matrix rules one example of a rule that we can use in decisions where you can actually look at evaluating multiple rules so in this case we were looking at the selection that was made on the channel on that form as well as any lead costs that may have been selected and depending on those selections the intersections of those items so for instance if we had a realtor as our channel and the lead cost was mid to low or low mid cost we're going to be outputting approved realtor now of course we can edit these very easily so maybe if this wasn't approved I could change this very quickly to not approved realtor and now that change has been made someone who's probably build sorry to step on you Veronica I don't this is a piece I really love is that this kind of rule set in the ability I mean we've got a simplistic table here but you can build these these types of matrix rules as big as you want to and in lending for things like scoring and product eligibility and pricing this is an ideal way to express that and it's an ideal way to express it in a way that could be modified by risk geyser underwriting manager so this is a tool that I had to write by hand in Java and that was excruciating this is a heck of a lot easier yeah absolutely so I'm gonna point out that I don't have a technical background I've never had to write any code I'm not gonna be someone who's going to be easily going into a Java Script and figuring something out or even going into the sequel and knowing what to do to do a sequel query however I'm very easily and more than capable of coming in here and maintaining a rule such as this one now we've made these constants but I will point out that constants actually the drop down you can actually pull this information maybe it's something that you want to pass within your workflow or you can even run converter flows that you can do mathematical calculations in or even pull data from an external system to be able to populate this information now I'm going to jump out of this one actually not save it so I'm not changing it but once we run that matrix roll we then look at the output that it provided and use a string match step to determine what path do we take and those paths are going to determine if we're going to do a calculation create a rejection reason of course they're going to reject or even create the lead name now I'm not going to go into all of these sub flows some of the other steps that you see like those steps in red and in green and as I mentioned in blue these are administrative steps so we know as we're on our dashboard or looking at our cue exactly what state we're currently in for that particular application and the last sub flow that I really want to go into is this internal scoring and product eligibility workflow this is a workflow that really is where all the magic happens so here you'll see that we have a scoring system this is another type of rule it's a rule set in fact and if I open that rule set it's going to take me to another page where here I have a group of rules that we're running looking at the debt-to-income ratio the FICO score the income and the time on the job and depending on those values we compute a score for that credit score and to determine whether or not they're going to be approved now I'm going to jump into the FICO truth table so this is yet another type of role here in decisions truth tables will allow you to look at multiple conditions in this case we're just looking at the FICO score but if we wanted to add more conditions we can simply add condition and it'll open up another column now once again we can enter these values in here we're just looking at that range and depending on what Syco score range that they fall into that gave them a raw score and once we go through all of these different raw scores we ran a flow that actually takes in those scores one by one looks at which type of score that it received and multiplies it to give it a specific weight so if it's a debt to income ratio we have a weight of 0.15 but a FICO score is going to have a weight of 0.4 so we can very easily drag and drop steps set up these rules and be able to do very complex calculations without having to deal with any code now I'm going to go ahead and close this but so that brings us right back here there's one final step I want to show in in this process and that's the evaluate expressions so this step here is a step where we can actually write out very complex mathematical expressions to be able to do a calculation in this case we were looking at the loan amount the rate that was given and we were taking in a you know we're multiplying or dividing we're taking a power raised to something there's a lot of mathematics going on here now if you have something that complex you can actually save things as a template and in fact this could be a step this could be a form this could be an entire workflow but you can make things as templates to be able to reuse and give you a starting point to make it that much easier for your business users that are going to be working on these things to be able to build things out and so if you know that you're all going to be using that specific expression in many different projects or many different flows simply save it as a template and you'll have that so I'm actually gonna jump out of here like I said I don't want to go in and go into every detail about how this one was built out but what I'd like to do right now is actually go outside of everything and really show you what it's like to build something from scratch right here in decisions so what I'm going to do is I'm actually going to add a brand new folder so everything I create is going to be in its own separate folder and we're gonna call this folder the new realtor Edition folder and when I click create that's going to go ahead and create a new folder in my project now of course when I create a new folder there's not anything in here but you'll notice that I do have buttons across the bottom including create flow and when I click create flow I'm going to click create and it's going to give me a prompt to give this flow a name let's call this the new realtor flow and when I click create one final time it brings me into our flow designer so here you can see we basically start out on a blank slate we have a start step in the top left and an end step in the bottom right and that's basically it but you will notice that those steps happen to have red exclamation points and that's because our flow designer is completely self validating so it's going to let you know when you're missing information or in this case these steps aren't connected to anything so if I actually make that connection you're going to see those validation warnings go away now on the right hand side of the screen you're gonna see one of the taps I have available to me the stepstool box and on the stepstool box we're actually going to have many different categories but there are literally thousands of steps inside of here that we can use to create these workflows so for instance if I'm going to build out a new workflow maybe I'm going to go ahead and start with a form many times we're going to start with a form that's going to ask somebody to enter in some information so I'm going to go ahead and bring that form in and of course when I had a form into a workflow we're always given two prompts the first prompt is to go ahead and create something from scratch right now and the second one is actually going to give me a list of all the different projects I'm a part of and I can actually select a form that I've previously created to be able to use here but of course I want to go ahead and create everything from scratch so I'm going to go ahead and call this the new realtor form and I'm going to actually use a template because I created a template to save us a little bit of time so when I pick my template I'm going to go ahead into my lending demo form template and I'll click pick and now I'll go ahead and click create so here it brings me into the form designer but I'm already one step ahead because I use the template notice I already have a form background on here and in fact I'm actually already added a style sheet a cascading styling she'd so we run this in the flow you're going to see that's going to look quite a bit different but really match those forms that we saw within the flow that Mark showed now to create a form we can simply drag and drop items just like we do in our flows so for instance I'm going to have let's call this the realtor name so I'm going to go ahead and add a label for each of these as well the next item he's gonna have about five items here so this one can be the realtor email we're going to also have a text box for a client's name and for the client name I'm actually going to go ahead and select this to be output only what that means is I'm expecting someone to type this in with these previous two iMac going to populate the realtor name and the realtor email with information I already have available to me in the flow so I'm leaving those as is but for the client name I'm going to do that a little bit different now well one last one property state we're gonna go ahead and have the property state again that's going to be something I expect someone to type in but I also would like to add a quick watermark so please enter the two character abbreviation so I want to make sure that they use the two character state abbreviation on that one because I'm actually going to use a rule to look at that component now the last item I'm going to add here is going to be an estimated loan amount and of course a loan amount is going to be currency so you'll notice that I have the ability to actually search the form controls to find the exact component I'm looking for so of course here we have currency available but you have number boxes available as well and we're gonna call this the estimated loan amount if I could type and there's that now the thing with the estimated loan amount I am going to have that as output only I would also I'm going to point out over on the properties panel on the right hand side you can change that currency symbol so if you're not in using US dollars if you want to use the pound symbol or if you want to have whatever other currency you might want to be using you have the ability to change that I also can realign those numbers I like my numbers to be shown on the left closest to my currency value so I'm gonna go ahead and put that and I also I'm going to uncheck Auto populate we can work very flexible and on these forms and letting you set them to make let them be exactly what you want them to be so you have a lot of options available to you but once I'm happy I'm going to hit close and save and what you're going to notice is I'm gonna go from that form designer right back into our flow designer where we left off a few minutes ago so now I have my form but you'll also notice that I have a submit pad coming off of that form and that's because I have a submit button on the form and this allows me to be able to define exactly what I want to happen when they click Submit so I drop that into some empty space this dialog pops up with this which is just the stepstool box and here maybe I'm going to go ahead and run a rule and when I when I run this rule maybe this is going to be the check if state is in list rule so we're going to go ahead and add this rule and once again I'm given those same two prompts is it something we want to create now or reuse something we've previously created and in this case we're going to go ahead and create it from scratch so this is yet another type of rule we have available to you in decisions this is a typical if-then statement rule so at the top you'll notice I can set up any input data that I want to evaluate and because we don't necessarily have to use a workflow to utilize our rules here in decisions I'm gonna go ahead and define the property state which is it some text is something I want to evaluate in the if statement I'm gonna be able to see the items that I provided as well as flow information and any other look-up list that we've we've allowed for me to be able to view and I'll select that and what's really nice about decisions is that when you select something to evaluate in a rule decisions recognizes the type of data you select and it's going to give you verbs that pertain specifically to that type of data so because this is text I'm seeing things like contains or starts with but if I had selected a number you're gonna see things like greater than or equal to or less than those sorts of things now I'm checking if this is going to be in a list so that's what I'm going to select and here I'm going to go ahead and type in a list of items that are of states that I'm eligible to work in now again this is a constant list this could be dynamic you can pull this data from the workflow you could pull it from an external system but for simplicity for demo purposes today I'm going to leave it as a constant list we also have it set to a logical rule so you'll see that over on the right hand side which means it evaluates true or false but we have rules available to be able to return either a single piece of data or multiple pieces of data or you can even have that kick-off workflows and take an action depending on how it evaluates when I'm going to go ahead and hit close and say we'll do this as a logical rule which brings me right back to where we left off in our workflow and now I have a troop a bin a false path so here I'm just going to take a couple minutes and say if it's true if with it they are in a state where that we work maybe I'm going to show a congratulations pop up so I'm going to go ahead and add a pop up and once again when you add these different steps you're going to have a couple of items that you need to configure so for a pop up I want to know where is the location where do I want it to show I'm gonna have it show right in the center of the screen I'm going to make the subject a constant saying can congratulations and maybe for the message I'm going to go ahead and use our text merge editor and so this allows me to actually type in a message and when I type in that message I can also use data that we're collecting within our flow so here I'm going to say I'm not just copied and pasted to save some time your referral is approved we'll send you an email with a link to our online application that you can forward to your clients thank you so we'll go ahead and hit save and that steps ready to go so now after that that pop-up maybe will quickly send an email so I'll select my email step and here with my email just like any other email you're going to need to define a couple of items here who is it sending from who is it sending to what's the subject and what's the body now for most of these I'm gonna go ahead and set them as constants for who is it sending to I'm actually going to go ahead and select an item from the flow we we're collecting the realtor email and so I'm going to actually use that information that's who it's going to get sent to for the subject link to loan application and for the body I'm using that same text merge editor that I used a few minutes ago so we can say here here is your the link to our online loan application now where do I get the link so that I can actually call this workflow the workflow that Mark showed a little bit ago where do I actually get that now what's nice about decisions now I actually have another tab open so I can get over here very quickly I'm gonna go back into that loan approval that we just saw a few minutes ago but all of our items are going to have integrations at the top of the screen and when I click integration that's going to allow me to make a couple of selections so this time I'd like to be able to see a form so I'm gonna go ahead and select that I'm going to use a name session this is like using a worker account so I don't have to necessarily log in or worry about who's who's clicking on there and I'm gonna go ahead and say let's Center that that form and use whatever specifications that it was built to show and then I click generate UI code that's it I just make a couple of selections click the generate UI code and that provides me a URL and I can place anywhere to be able to kick off a work that workflow so now if I go back into let's go back to our flow I'm just gonna paste this now this of course is a long URL we actually do have steps available so that you can change that URL to say let's say loan application so it would take you there but not necessarily show you that long huge URL now for the false path we're going to do one final pop-up let's just say sorry dot dot so for this pop-up we're going to do the same thing we did before we're going to put it in the center we're gonna have the subject thing we're sorry and for the message let's go ahead and use that text merge editor and this time but let's go ahead and let me copy this so I can paste it very very quickly thanks for your referral but we don't make loans in the requested state and I'm going to go ahead and hit save so that steps ready to go as well so the final thing I'm going to do I'm going to go ahead and take that done path to our end step I have a thing about having straight lines so I'm just moving that down a little bit and the last thing I need to do is worry about where's the realtor email and the realtor name coming from if you remember I didn't change those two output only what I'd like to do is actually map in where this information is coming from and so here I have that raw data I'm already logged in I want to take the initiating user email and the initiating user full name and pre populate that information on that form so they don't have to actually type that information in we already have it available to us and now that I have this flow all the validation warnings are gone we can test our flows by clicking a debug link and when I click debug I'm going to hit play I'm going to see exactly what the end user would see so here you can see it populated my name as the realtor name the realtor email is the email address that of my own my client name maybe it's going to be 10 Smith let's go ahead and use Virginia since that's where I'm at right now as my property State and I'm going to go ahead and type in 5,000 for the estimated loan amount now when I click Submit we're gonna see a couple of things happen number one you're gonna see that I'm seeing that pop up that we created earlier congratulations your referral was approved it hits that rule let me go ahead and hit dismiss you're going to be able to see the path that it took so you can see it highlighted in orange each step that took action show the number indicating how many times it took action and if you click on any particular step you can see how long those actions took the take Platt place and also view any input or output that might have been provided on it now if I jump back over to my email let me go ahead and refresh my email there we go here's that email that I just created so we have a link today app to that loan application and if I click that link it's going to automatically pop up the loan application and I can go ahead and actually start typing things in when I hit tab they're automatically populated so I could go through that same thing that mark went through earlier now as you can see when I'm going through and building out these flows and decisions I strung together a series of steps made a couple of configurations and I had a completely working application without having to write any code and so for people like myself that are really those business users that are aware of the process understand how it should go but I can't necessarily write the code and if I need to make a change we don't want to have to what spend six months looking through code to determine how do I make that small change to this process we can come in here and simply drag-and-drop a step and change that process in just seconds as opposed to weeks or months so I think I'm going to go ahead one last thing I'm going to show we have we built this out I just want to show one final thing is that we can actually reuse this although I put this in its own its own folder we actually go back to our main flow let's say I wanted to add that flow into this other workflow so here maybe I'm just going to go ahead and add that that sub flow right here so we could run a sub flow run new realtor flow I'm going to hit add and once again it gives me a list of all of the items that I have permission to view and use I'm going to select my new realtor flow and now just like that when it if it takes that path when it hits the step it's going to go into that flow that we created a few minutes ago and if I go in and say edit flow you're going to see that same flow we just built so very very quickly very easily you can make changes you can reuse items as you as you need them and you don't have to worry about dealing with that code so I'm not sure if we have any questions that pretty much is the end of my portion here today so I know there's a handful of us out there so if you have any questions that popped up as we were going through feel free to enter those in the Q&A portion of our zoo and if any questions after this you can contact us UK we I am mark at decisions comm so just give me college just shoot me an email whenever you're ready if not I don't see any questions so thank you all for your attending I appreciate your time and as I said hope it was worth your while thank you very much have a great day everyone