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The best moment to offer a customer a loan, a card or insurance is when they’re already opening their account. At a leading Indian private sector bank, that moment was being missed. Each extra product needed its own separate process. MXTechies built a co-origination module on Mendix that recommends the right products during account opening and lets customers apply on the spot, without starting again.
A bank cross-sell platform offers the right extra products to a customer at the right moment. In this project, the solution adds smart cross-selling to the account-opening journey. Using the customer’s demographic, financial, behavioural, preference and eligibility details, the Mendix module shows relevant products such as personal loans, credit cards and insurance. The customer can start those product journeys straight away, and the module reuses the information already captured, so nothing has to be entered twice.
- Client
- A leading Indian private sector bank
- Built into
- The bank’s Unified Account Opening application
- Products offered
- Personal loans, credit cards, insurance
- Recommendation inputs
- Demographic, financial, behavioural, preference and eligibility data
- Platform
- Mendix, with APIs and backend services
- Delivered by
- MXTechies, Mendix Certified Partner and Siemens Certified Partner
The challenge
Account opening focused on the main account only. Everything else happened later, separately:
- Separate product journeys: loans, cards and insurance each had their own process.
- Manual product matching: employees had to work out which products suited each customer.
- Many touchpoints: each product meant starting a new journey with the customer.
- Extra effort: staff repeated data entry and process steps.
- Missed opportunities: without timely, personalised offers, cross-selling and product adoption stayed low.
The solution
MXTechies developed a dedicated co-origination module integrated with the bank’s unified account opening application. As the account is being created, the module checks the customer’s profile and eligibility and displays the products that fit.
If the customer is interested, they move straight into the child journey for a personal loan, credit card or insurance product, without restarting onboarding. APIs and backend services reuse the customer’s existing data, start the right product journey and help see it through to completion.
Key features
01Dynamic product recommendations
- For the bank
- Relevant products appear based on the customer’s profile and eligibility.
02Child product journeys
- For the bank
- Loans, cards and insurance can be applied for inside the same session.
03Data reuse
- For the bank
- Information already captured is carried into each product journey.
04API-driven orchestration
- For the bank
- Backend services start and complete the right product journey.
05Built into account opening
- For the bank
- No separate app or extra login for staff.
How it works
- Open the accountThe employee starts the customer’s account-opening journey.
- AssessThe module reviews demographic, financial, behavioural, preference and eligibility details.
- RecommendSuitable products appear on screen during onboarding.
- SelectThe customer chooses a personal loan, credit card or insurance product.
- ApplyThe child journey starts with existing data pre-filled, without restarting.
- CompleteThe product journey is completed alongside the new account.
See more of our work for banks and financial services.
Outcomes
- Seamless onboarding: customers get their account and extra products in one journey.
- Personalised offers: recommendations match each customer’s profile and eligibility.
- Less employee effort: no manual product matching or repeated data entry.
- More cross-selling: offers arrive at the moment the customer is most engaged.
- Higher product adoption: customers can say yes immediately, without a second process.
Why build this on Mendix
- Plugs into existing journeys: the Mendix module extends the bank’s account-opening app.
- API-driven: backend services reuse customer data and start each product journey.
- Rules you can change: eligibility and recommendation logic can be updated without a rebuild.
Who this is for
Banks and financial institutions that want to grow products per customer, especially those with assisted or digital account opening that currently treats loans, cards and insurance as separate journeys.
Frequently asked questions
What is co-origination in banking?
Here, it means originating additional products, such as loans, cards or insurance, during the same journey in which the customer’s account is opened.
How does the module choose which products to show?
It uses the customer’s demographic, financial, behavioural, preference and eligibility details to display relevant products.
Does the customer have to start a new application?
No. They move into the product’s child journey without restarting onboarding, and existing data is reused.
Which products are supported?
Personal loans, credit cards and insurance products.
Is it a separate application?
No. It is a module integrated with the bank’s unified account opening application.
About MXTechies
MXTechies is a Mendix Certified Partner and Siemens Certified Partner with delivery teams in India, the USA and the UAE. We build enterprise apps on Mendix, the low-code platform from Siemens, for manufacturing, banking, real estate and retail. See more of our case studies.
Last updated October 2026
One customer, one journey, more products.
Open the account. Add the loan, card and cover. One journey.