Introduction to Customer Infrastructure

There are different types of legal documents that need to be submitted by the customer according to the type of customer (individual, corporate, professional), nationality and residence of the customer.

When the place is updated, the system also updates the postal code, governance and delegation accordingly .

The customer age is checked while creating the customer, and there needs to be a guarantor in case the customer is a minor or dependant.

The structure of the fiscal ID, which is provided by the customer during the onboarding process is validated.

The following applications CMBASE.STATE, TNCUIN.DELEGATION.DETAILS and TNCUIN.POSTAL.CODE are created to store the details of the governorates, delegations, places and postal code.

The TNCUIN.CUSTOMER.PARAM application is created to check if the customer is minor or major, and check if the necessary relationship is updated if the customer is minor or dependent.

The Governorate, Delegation and Postal Code fields are mandatory only for local residents. These are drop-down, no input fields.

The following are the benefits of the Customer and CRM functionality:

• Ability to validate the required legal documents of the customer.
• Ability to update the postal code, governance and delegation when the place is updated.
• Ability to check if the customer is a minor, and when the guarantor is mandatory.
• Ability to post restriction for the customer if attaining the age of 18 until the legal document is submitted.

Garnishment Handling

In Tunisia, there is a practice of recording the garnishment order issued against the customer and freeze the funds from the customer accounts. The funds have to be frozen until the judgement is received from the court. The judgement can either be to release the funds to the debtor or make the payment to the creditor who raised the garnishment order against the debtor.

The saisie judiciaire can be defined as a legal procedure by which a creditor can collect what a debtor owes by initiating a legal action.

There are four types of saisie judiciaire:

• Garnishment.
• Conservatory garnishment.
• Wage garnishment.
• Administrative opposition, which is a procedure initiated by the Public Purse in order to recover payments over fines against a debtor.

The functionality allows users to create garnishment orders and freeze the funds from the customer accounts.

The following applications and enquiries are introduced for this functionality.

• The TNCUIN.GARNISH.ORDER application is used to create and amend the garnishment order.
• The TNCUIN.GARNISHMENT.PARAM application is used to parameterise the details for the garnishment order.
• The TNCUIN.LOCK.DETAILS live application is used to store the details of the locked account details.
• The TNCUIN.LOCKED.DETAILS enquiry displays the list of locked amounts for the customer and the garnishment order.

The locked amounts in the accounts can be increased or decreased, and further on released.

This functionality allows the user to:

• Create garnishment orders.
• Freeze funds and securities.
• Unfreeze or transfer the funds and release the securities.