Update description of features[].isActivated to remove default

[anzbankau]

Description

The wide range of features and the products to which they may apply reveals more complexity and subtleties associated with the use of the features[object].isActivated property than outlined in the answer to clarification request #171. The single example, together with the default value of true, suggests that there is a simple binary choice. The range of feature types highlights the limitations of having a default value (whether true or false) and the need to enhance the property's description.

The '... false if the feature is available for activation.' part of the current description implies that activation is initiated by the customer and if not, the feature is not active. The 'Defaults to true if absent.' part does not allow data holders to indicate that the activation state is unknown or cannot practically be determined. This is counter to the rest of the standards where a property value may not be available (even for a mandatory property). A default also has the effect of making this optional property a mandatory property.

Many feature types are an inherent part of the product rather than selectively activated by customers e.g. DIGITAL_BANKING, FREE_TXNS, FREE_TXNS_ALLOWANCE, NPP_ENABLED, UNLIMITED_TXNS. The description should indicate this additional meaning of isActivated=true. Refer to the table below for an indicative classification of feature types.

Given the range of features and their applicability to different products, the ability to determine whether a feature has been activated by a customer can be difficult or impossible (as noted in #171). For some customer-activated features there is no reason to record the activation event on the account because they have no effect on regular account processing e.g. ADDITIONAL_CARDS, CARD_ACCESS, NPP_PAYID. This contrasts with customer-activated features that determine the number or values of fees and rates that are therefore important for account-to-product comparisons e.g. OVERDRAFT. The description should permit the absence of the property (or null value) to indicate that the activation state is unknown.

Note: COMPLEMENTARY_PRODUCT_DISCOUNTS ('Indicates that complementary, discounted offerings (such as gift cards, or discounted travel) is available') is an example of a feature type for which a data holder would not be reasonably expected to record the customer's acceptance of offers that are incidental to regular account processing.

Area Affected

Get Account Detail

Change Proposed

Amend the description for features[object].isActivated from: True if the feature is already activated and false if the feature is available for activation. Defaults to true if absent. (note this is an additional field appended to the feature object defined in the Product Reference payload)

to: True if the feature has been activated by the customer or is a standard feature of the product. False if the feature is available for activation. If absent or null, the activation state is unknown. (Note this is an additional field appended to the feature object defined in the Product Reference payload.)

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Indicative Classification of Feature Types

Feature Type	Description	isActivated Level
ADDITIONAL_CARDS	Additional cards can be requested	Customer
BALANCE_TRANSFERS	Balance transfers can be made from the account (eg. for credit cards)	Product
BILL_PAYMENT	The product can be attached to an automatic budgeting and bill payment service	Product
BONUS_REWARDS	Bonus loyalty rewards points are available	Product
CARD_ACCESS	A card is available for the product to access funds	Customer
COMPLEMENTARY_PRODUCT _DISCOUNTS	Indicates that complementary, discounted offerings (such as gift cards, or discounted travel) is available	Product
DIGITAL_BANKING	Access is available to online banking features for the product	Product
DIGITAL_WALLET	A Digital wallet can be attached to the product	Product
DONATE_INTEREST	Indicates that interest generated from the product can be automatically donated to a charity or community group	Product
FREE_TXNS	A set number of free transactions available per month	Product
FREE_TXNS_ALLOWANCE	A set amount of transaction fee value that is discounted per month	Product
INSURANCE	Insurance is provided as an additional feature of the product	Customer
INTEREST_FREE	Interest free period for purchases	Product
INTEREST_FREE_TRANSFERS	Interest free period for balance transfers	Product
LOYALTY_PROGRAM	A points based loyalty program is available	Product
NOTIFICATIONS	Advanced notifications are available for the product	Product
NPP_ENABLED	An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment	Product
NPP_PAYID	An account of this product type can be used as the target of an NPP PayID	Customer
OFFSET	An offset account can be connected to the product	Customer
OVERDRAFT	An overdraft can be applied for	Customer
REDRAW	Redraw of repaid principal above minimum required is available	Product
UNLIMITED_TXNS	Unlimited free transactions available	Product