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Cbe - v9.189

This page contains the following releases for v9.189:

v9.189​

Release Dates

  • Sandbox: 03.06.2026

Features​

Lending​

Disbursements beyond the loan limit using Credit Balance​

When a revolving account has an available Credit Balance, users can now disburse amounts exceeding the standard loan limit, unlocking greater flexibility for revolving credit management.

Credit Balance settings surfaced on the Loan Product page​

When the Credit Balance feature is enabled, the Loan Product page now displays Credit Balance settings under the Repayment Scheduling section, making configuration more discoverable when updating a revolving account.

Detailed fee and tax tracking per instalment on loan schedules​

The /loans/schedule endpoint now returns feeDetails for fixed-term loans, enabling granular tracking of specific fee types and inclusive/exclusive tax amounts per instalment.

Groundwork for upcoming features​

  • Building support for distributing accrued payment holiday interest across future instalments.
  • Building the advance payment feature for LATAM, covering accounting rules, transaction adjustments, interest-paid postings on reschedule/refinance, and tax handling.
  • Building short-term payment arrangements (temporary interest-only instalments) for mortgage products.
  • Building interest rollover configuration to maintain equal instalments when accrued interest exceeds the instalment's total due.
  • Building payment holiday interest capitalisation, including schedule adjustments and event publishing.
  • Improving Fixed Term Loan repayment throughput to support higher transaction volumes.

Additional work​

  • Internal lending refactoring, tooling, and performance improvements.

Mortgages​

Groundwork for upcoming features​

  • Implementing a new PMT calculation formula based on daily periods for Interest-Only Equal Instalment (IOEI) loans, including UI and API updates for loan products and accounts, and restricting repayment periods to monthly.
  • Enabling PMT formula migration support for Interest Only loans.
  • Building LBS initial payment and interest calculation changes, including a new boolean parameter on the loan product endpoint and corresponding UI and service-layer enhancements.

Deposits​

Courtesy Pay wallet access via Simple API​

Deposits and withdrawals via the Simple API can now access the Courtesy Pay wallet, and the READ Deposit API exposes balance details including CourtesyPay-related fields.

Groundwork for upcoming features​

  • Building dynamic balance support for deposit accounts, covering backdated transactions, fee application balance changes, and overdraft handling, all gated behind the SAVINGS_ACCOUNT_DYNAMIC_BALANCES feature toggle.
  • Building Rate Sheet 2.0 with complex marker-based rate lookup and validation.
  • Building bulk update API support for deposit accounts and credit-interest product feature configuration.
  • Building Product Feature 2.0 availability controls for deposit products.

Additional work​

  • Internal deposits modularisation and code compliance work.

Islamic Banking​

Configurable profit approval workflows​

A new API endpoint enables manual approval of profit proposals, complementing automatic approval for proposals in the READY_FOR_APPROVAL state, with profit distribution and pool/product/cashflow cycle closure handled on approval.

Sharīʿah-compliant profit terminology across the UI​

The Dashboard, Operations, and Reversals screens now use consistent profit terminology aligned with Sharīʿah-compliant labelling standards.

Notifications​

Groundwork for upcoming features​

  • Improving reliability of the Notifications V2 unhappy-path flows on AWS.

Additional work​

  • Internal notifications maintenance.

Developer​

Groundwork for upcoming features​

  • Building a process orchestration framework, including APIs to upload process definitions, expose and map extension points, and a feature flag to control availability.
  • Building subscription limit enforcement for the consumer framework.

Additional work​

  • Internal platform modularisation, enum and datatype restructuring, and code architecture compliance work.
  • Internal data search and reporting code mapping.

Data​

The Magic Search REST API now correctly applies the assignment filter, restoring expected search behaviour.

Improvements​

Data​

Filter deposit transactions by account holder​

When searching deposit transactions via /deposits/transactions:search, you can now specify accountHolderKey as a filter field using the EQUALS or EQUALS_CASE_SENSITIVE operators.

Correct JSON response body for 409 and 429 errors​

The response body for 409 and 429 errors now correctly returns JSON objects across all deposit transaction endpoints, the deposits apply interest endpoint, the deposits and loans accounts search file download endpoints, and all endpoints where an idempotency key is used.

Groundwork for upcoming features​

  • Building the parallel file download API for deposit and loan transactions, including enabling v2 endpoints in development environments and aligning response formats with the existing search API.
  • Improving the parallel file download API for deposit and loan accounts, including response alignment and query optimisation for loan account key boundary calculations.
  • Implementing a Deposit Limit Tracking Service to support dynamic balance management for deposit accounts.
  • Introducing a feature-controlled rounding mechanism for interest applied amounts on deposit accounts.
  • Updating the Historical Balance API to reflect available balance and implementing the underlying historical balances endpoint.
  • Laying the groundwork for RateSheet 2.0 by supporting rate sheet account markers in the account execution context.
  • Advancing the advance payment (pre-payment allocation to next instalments without interest reduction) feature through schedule correctness and code optimisation work.
  • Introducing a new loan computation module as part of the loan computation framework optimisation initiative.
  • Extending pool settings with a manualApprovalEnabled field to support profit approval configuration.
  • Adjusting the notifications v2 flow to create notification messages earlier, embedding the notification encoded key in destination settings and archival updates, to enable resend with the original idempotency key.
  • Adding template filter condition evaluation before outbox insertion to prevent missed or incorrect notifications during asynchronous processing.
  • Progressing the Revolving module separation (RELOAD Phase 2.1 and 2.2) by integrating multiple loan lifecycle handlers and services with the Revolving submodule.
  • Optimising Repayments Schedule Versioning (RSV) storage with performance benchmarking for the new serialisation/deserialisation implementation.
  • Improving the fixed-term loan repayment module by resolving account database locking concurrency limitations to support higher throughput.
  • Advancing the shadow-run framework with additional logging for skipped scenarios.
  • Progressing the Deposits EOD transitional architecture to JDBI persistence, including scenario fixes for withholding taxes, multiple fees, overdraft interest, and manual EOD balance correctness.
  • Applying the Profit terminology label across the Islamic Banking dashboard, operations, and reversals UI.

Additional work​

  • Internal maintenance covering build configuration, code ownership annotations, feature toggle removals, SonarQube remediation, internal class restructuring, test infrastructure updates, logging improvements, API key TTL management, and other non-customer-facing changes across lending, deposits, mortgages, notifications, and platform modules.

Bug fixes​

Lending​

Loan accounts no longer remain in arrears after full repayment​

Once a loan account balance reaches zero through custom repayments, the account state now correctly transitions out of In Arrears immediately.

Interest rate start dates now display correctly across all regions​

Corrected a logic error that caused interest rate records to show incorrect dates for users in certain regions, ensuring rate records consistently align with the local calendar date.

Interest due calculations are now consistent across all months​

Resolved a calculation error affecting accounts with payments due on the 28th or 29th of the month, ensuring interest and payment amounts remain consistent across all months, including February, and preventing unexpected changes to previously settled installments.

Eligible new accounts now benefit from corrected interest balance calculation​

The COMPUTE_PRINCIPAL_BALANCE_FROM_TRANSACTIONS fix is now applied at account creation, ensuring all newly created eligible accounts are free from the incorrect interest balance issues previously observed.

PATCH requests no longer fail due to unrelated product constraint validation​

Fixed an issue where PATCH requests to update loan accounts incorrectly triggered validation against current loan product constraints for fields not included in the request; validation is now applied only to fields explicitly modified in the API payload.

Arrears settings are now fully replaced when patching a loan account​

Resolved an issue where the Patch Loan Account API was not correctly updating all fields within accountArrearsSettings, such as toleranceFloorAmount and nonWorkingDaysMethod, ensuring all arrears settings fields are properly replaced during a patch operation.

Interest due is now calculated correctly after payment holidays are reversed​

Resolved an issue where interest due could be miscalculated after applying payment holidays with RSV enabled, particularly when backdated repayments were present; event ordering and schedule updates are now handled correctly to keep due and paid amounts consistent.

Split interest calculations no longer produce negative interest or incorrect repayment additions​

Corrected the split interest calculation logic to prevent negative interest values and erroneous repayment addition amounts from being generated.

Additional work​

  • Internal lending test and calculation fixes.

Mortgages​

Custom repayments can now be entered on loans that do not accept prepayments​

Resolved an issue that prevented users from entering custom repayment amounts on loan accounts configured to not accept prepayments.

Changing the product during reschedule no longer reduces the outstanding principal​

Fixed a carry-forward issue where switching the product in the reschedule form incorrectly decreased the displayed current outstanding principal balance.

Loan accounts no longer accept negative interest rates​

Resolved an issue where accounts could be configured with negative rate values, ensuring rate inputs are correctly validated.

Restructured account state values are now correctly formatted in the UI​

Fixed a display issue where the account state value for restructured accounts was shown unformatted in the user interface.

Carry Forward Redraw balance field now behaves correctly when controlled by another balance​

Resolved a UI issue where the Carry Forward Redraw balance field remained enabled and read-only when it should have been fully controlled by a linked carry-forward balance setting.

Accrued interest is no longer duplicated in carry-forward scenarios​

Fixed an issue where accrued interest was being duplicated during carry-forward processing, ensuring accurate interest balances are maintained.

Principal balance is now carried forward correctly on subsequent reschedule operations​

Resolved an issue where the incorrect principal balance was being carried forward during a second reschedule operation, ensuring accurate balances are maintained throughout the reschedule workflow.

Deposits​

Activity tab no longer shows false custom field changes during ownership transfer​

In the Activity tab of a savings account's audit trail, ownership transfers previously displayed misleading messages indicating custom field values had been set to null; this fix ensures those incorrect messages no longer appear.

Unlock account modal now shows the correct post-unlock state​

Updated the Unlock Deposit Account confirmation modal to display the correct new state — Active or Dormant — based on backend evaluation, fixing cases where dormant accounts incorrectly showed Active before being unlocked.

Transactions and Interest​

creditBalanceChangeAmount is now returned in loan transaction responses​

The GET /loans/{id}/transactions response now includes creditBalanceChangeAmount within the affectedAmounts object for Credit Balance Deposit and Disbursement transactions.

Stamped account balance now reflects the correct balance for backdated transactions​

Resolved an issue where the stamped account balance displayed an incorrect value when backdated transactions were present.

Notifications​

Custom SMS gateway URLs are now correctly transmitted to the external dispatcher​

Resolved an issue where custom SMS gateway configurations were not being sent to the microservice during external dispatching, causing notifications to fall back to a hardcoded endpoint and bypass user-defined regional or custom URLs.

Streaming notifications now consistently route to the correct Kafka topic​

Updated the notification streaming service to use a single authoritative destination per template, ensuring consistent message delivery across all streaming notification templates.

Islamic Banking​

IPS deleteAll API now succeeds for matured accounts​

Resolved an issue where the IPS deleteAll API call failed when the account state was Matured.

Effective date entered via the UI is now correctly recognised by the system​

Fixed an issue where the effective date field populated through the UI was not being recognised during processing.

Asset GL account is now visible in the cash flow settings UI​

Resolved an issue where the Asset GL account was missing from the View Cash Flow Settings screen.

Profit sharing settings changes can now be saved correctly in the savings product UI​

Fixed a configuration issue that prevented profit sharing settings changes from being applied and saved in the savings product UI.

Product filter by assigned pool is now available in configuration​

Added a filter allowing products to be listed by the specific pool they are assigned under, improving navigation in configuration screens.

Total asset per income category now uses average daily balance for profit calculation​

Corrected the profit calculation logic so that total assets per income category are computed using the average daily asset balance over the profit calculation cycle period, in line with IK45 requirements.

Cards​

Hold balance settlement logic no longer allows negative balances​

Resolved a corruption issue in hold balance settlement where the settlement logic could produce negative hold balances, ensuring balance integrity is maintained throughout the settlement process.

Payments​

Idempotency cache no longer stores error responses​

Fixed an issue where failed or error responses were being cached by the idempotency layer, which could cause subsequent valid requests to incorrectly receive a cached error.

Developer​

creationDate in Fixed Term Loan API responses now includes timezone information​

Resolved an issue where the creationDate field returned in the Fixed Term Loan API response was missing timezone information, ensuring timestamps are fully ISO-compliant.

Fixed an issue where navigating to reporting menu links incorrectly displayed a Feature Unavailable message.

v9.189.8​

Release Date: 03.06.2026

Features​

Deposits​

Courtesy Pay balance details now visible via the Deposits API​

Simple API deposits and withdrawals can now access the Courtesy Pay wallet, and the Read Deposit API response includes Courtesy Pay-related balance detail fields.

v9.189.7​

Release Date: 03.06.2026

Improvements​

Data​

Additional work​

  • Non-customer-facing data maintenance and configuration fixes.

v9.189.6​

Release Date: 03.06.2026

Features​

Data​

Additional work​

  • Internal sandbox configuration changes.

Improvements​

Data​

Additional work​

  • Internal data performance and scaling optimisations.

v9.189.5​

Release Date: 03.06.2026

This release contains the following:

  • Internal maintenance improvements to the data access layer of the Cards module, enhancing the platform's overall stability and long-term maintainability.

v9.189.4​

Release Date: 03.06.2026

This release contains the following:

  • Internal maintenance improvements to platform stability and backwards compatibility of core product configuration data structures.

v9.189.3​

Release Date: 03.06.2026

Features​

Data​

Additional work​

  • Non-customer-facing data configuration changes.

Improvements​

Data​

Additional work​

  • Non-customer-facing data configuration fixes.

v9.189.2​

Release Date: 03.06.2026

Improvements​

Data​

Additional work​

  • Non-customer-facing data configuration and infrastructure changes.

Bug fixes​

Data​

Redraw product repayment schedule values now calculate correctly​

Repayment schedule values (RSV) for Redraw products now function correctly, ensuring accurate schedule calculations for these product types.

Event application now correctly populates event columns​

The events column is now properly populated when applying events, preventing missing data in event records.

v9.189.1​

Release Date: 03.06.2026

Improvements​

Data​

Additional work​

  • Non-customer-facing data configuration and infrastructure changes.

For more information, see Mambu Release Cycle.

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