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Cbe - v9.191

This page contains the following releases for v9.191:

v9.191​

Release Dates

  • Sandbox: 03.06.2026

Features​

Deposits​

Rounding configuration for deposit product interest calculation​

The deposit product UI now includes a rounding configuration option, allowing institutions to define how interest calculations are rounded — supporting requirements such as round-down behaviour for Japanese markets.

Groundwork for upcoming features​

  • Building next-generation transaction processing with backdating support, including PROFIT_APPLIED batch handling and TRANSFER transaction validation during backdating.
  • Laying the foundation for a Generic Interest Product feature, including caching improvements and multi-tenant cache integrity verification.

Cards​

Retrieve credit account information by ID​

A new GET API endpoint enables retrieval of credit account details by account ID, giving integrators direct programmatic access to credit account data.

Dynamic balances created on new credit account opening​

Dynamic balances are now automatically created at the account level when a new credit account is opened, ensuring accurate balance tracking from account inception.

Credit limit configuration at the account level​

Credit limits can now be configured individually at the credit account level, providing greater flexibility in managing per-account exposure within a credit card product.

Groundwork for upcoming features​

  • Building the ability to activate loan products via API as part of the revolving credit account infrastructure.

Payments​

Advance Payment support for Interest Rate Change transactions​

Loan accounts using Optimised Payments now correctly handle Interest Rate Change transactions made after an advance payment has been processed.

Regular RNI transaction posting after advance payment processing​

Regular RNI (Repayment of Next Instalment) transactions are now correctly posted following the processing of an advance payment, ensuring payment sequencing remains accurate.

Groundwork for upcoming features​

  • Continuing Phase 2 of the Advance Payment feature, adding support for split interest, planned fees, PMT fees, and UI changes to complete the advance payment workflow.

Additional work​

  • Internal removal of a deprecated feature toggle from the payments codebase.

Mortgages​

Enable or disable payment arrangements at the product level​

Lenders can now configure whether payment arrangements are permitted on a mortgage product, with a new UI and API option to enable or disable this capability at the product level.

Custom payment amount per instalment in flexible schedule engine​

The flexible schedule engine now supports configuring a custom PMT (payment amount) per instalment, enabling more granular control over repayment schedules.

Improved error handling during restructure with Maintain PMT​

When a restructure operation with Maintain PMT results in a minimum instalment count error, the UI now surfaces a clear, actionable error message rather than failing silently.

Configure and enable unapplied funds on loan products​

Lenders can now enable unapplied funds on a loan product and configure the associated accounting treatment, supporting end-of-term redemption scenarios where the payment received exceeds the outstanding balance.

Preview schedule API now supported on mortgage products​

The Preview Schedule API is now available for mortgage products, allowing lenders and integrators to simulate repayment schedules before committing to a loan structure.

Groundwork for upcoming features​

  • Registering the FLEXIBLE_REPAYMENT_MORTGAGE feature in preparation for the Payment Schedule MVP for Australia and New Zealand.
  • Implementing interest rollover logic — including rate change threshold handling and schedule preview computation — to keep instalments equal when accrued interest exceeds the instalment's total due.
  • Introducing the unapplied funds feature toggle as the enabling mechanism for the unapplied funds configuration.

Additional work​

  • Internal modularisation work moving lending interfaces, enums, and types from the monolith to shared lending-common modules.

Islamic Banking​

Profit terminology applied to Line of Credit transactions​

Profit-based terminology is now consistently applied across Line of Credit transactions, aligning the product display with Shari'ah-compliant labelling standards.

Weightage-based profit rate used in product profit distribution​

Profit distribution at the account level now uses the product profit rate derived from weightage settings, ensuring that profit sharing calculations correctly reflect the configured product weightage parameters.

Notifications​

EOD completion notifications now include result details​

End-of-day completion notification templates have been updated to include EOD result details, giving operations teams richer context directly within the notification.

Deposits (Courtesy Pay)​

Courtesy Pay account limit override enforcement​

The Courtesy Pay account limit now starts at $0 and can only be set above the product-level limit when the designated override flag is enabled, preventing unintended limit breaches.

Courtesy Pay settings visible in account details​

Courtesy Pay account settings are now displayed at the account level, giving staff immediate visibility of Courtesy Pay configuration without navigating away from the account.

Additional work​

  • Internal refactoring and legacy cleanup within the flexible schedule engine, including threshold removal and interest accrual field updates.

Improvements​

Data​

Holiday rescheduling now handles non-disbursed loans with past repayment dates​

Resolved an issue where adding an organisational holiday would fail if a non-disbursed loan account had a first repayment date in the past. The system now falls back to using the account creation date to successfully reschedule these loans without interrupting the batch process; this behaviour is controlled by the USE_ACCOUNT_CREATION_DATE_AS_ACTIVATION_DATE_FALLBACK_FOR_PREACTIVE_LOANS feature toggle.

Additional work​

  • Internal maintenance, infrastructure, and non-customer-facing technical improvements across data and platform services.

Bug fixes​

Mortgages​

Carry-forward interest accrual corrected for dynamic and interest-only loans​

Accrued interest from arrears is now correctly calculated for both dynamic mortgage loans and interest-only loans that use carried-forward balances, preventing understated arrears figures on affected accounts.

Capitalized interest now correctly reflected in accounting for carry-forward loans​

Capitalized interest on loans using carried-forward balances is now properly posted to accounting, ensuring the general ledger accurately reflects all capitalized amounts.

Correct interest applied after a prepayment on a payment holiday installment due date​

An incorrect interest applied transaction that appeared after a prepayment was made on the due date of a payment holiday installment has been resolved, ensuring accurate interest distribution on the repayment schedule.

Prepayment calculation method now respected for repayments with custom values and principal overpayment​

Repayments that include custom values alongside a principal overpayment now correctly honour the selected prepayment calculation method, preventing miscalculated schedules on affected mortgage accounts.

Lending​

Interest rate changes no longer affect already-paid installments​

When an interest rate change is applied with an effective date before a paid installment, the recalculation now correctly targets only pending or partially paid installments, preventing unintended modifications to installments already settled through multiple Reduce Amount per Installment overpayments.

Installment status no longer reverts after a custom principal repayment​

Installments marked as Paid under the Principal Expected is Paid setting no longer revert to Partially Paid after a custom principal repayment is posted, ensuring installment statuses remain stable once the payment obligation for a period is met.

Interest rate adjustments no longer recalculate installments settled via advance payments​

Resolved an issue where interest rate adjustments incorrectly recalculated installments already settled via advance payments, ensuring accurate loan schedules and consistent repayment tracking for accounts using optimized payment configurations.

Planned fees now included in total expected schedule amount​

When generating loan account documents, planned fees were incorrectly excluded from the SCHEDULE_TOTAL_EXPECTED amount; they are now included, ensuring the displayed total accurately reflects all amounts owed.

Editing and deleting loan accounts with planned fees no longer fails​

Editing or deleting a loan account that had planned fees associated with it failed unexpectedly due to planned fees not being properly handled before the operation completed; this has now been resolved.

Repayment posting no longer fails due to already-applied planned fees​

Posting a repayment to certain accounts failed because planned fees that had already been applied were being incorrectly reapplied during repayment processing; this has now been corrected.

Late repayment fees now correctly reflected in the repayment schedule​

For certain loan accounts, late repayment fees applied to installments were not correctly reflected in the repayment schedule, causing end-of-day jobs to fail; this has been resolved.

Incorrect first installment date corrected for schedules using last day of month​

The first installment date is now calculated correctly for loan schedules configured to fall on the last day of the month, preventing off-by-one date errors on new accounts.

Refinance API now returns the correct error when a duplicate loan account ID is submitted​

The Refinance API V2 now returns a DUPLICATE_LOAN_ACCOUNT_ID error instead of a generic INTERNAL_ERROR when a loan account ID that already exists is provided, making integration error handling more precise.

Loan account ID generation failures now return a clear error​

When loan account ID generation fails, the system now returns a specific, actionable error rather than a generic message, improving diagnostic clarity for integrations.

Incorrect tax source value for loan product fees no longer displayed in the UI​

The UI now correctly displays the tax source value for loan product fees, resolving a mismatch between the stored configuration and what was shown on screen.

"Terminate Loan Accounts" permission now visible and assignable for API-only roles​

Administrators can now grant the Terminate Loan Accounts permission to API-only roles, enabling secure, granular access control for integrations without requiring unnecessary UI access.

GET /installments now correctly enforces branch permissions for API consumers​

The GET /installments endpoint previously ignored branch-level permissions for API consumers; it now correctly applies those restrictions, ensuring consistent access control across UI and API.

Calling previewPayOffAmounts with the wrong HTTP method now returns the correct error​

Calling GET /loans/{loanAccountId}:previewPayOffAmounts previously returned a misleading INVALID_LOAN_ACCOUNT_ID error; it now correctly returns 405 Method Not Allowed when the endpoint is called with an unsupported HTTP method.

Loan search with multiple sub-states now returns repaid accounts correctly​

When searching for loans using the accountSubState filter with multiple values, loans in the REPAID sub-state were previously omitted from results; this has been fixed so all matching sub-states are returned as expected.

Refinancing now validates that top-up amount matches currency settings​

Attempting to refinance a loan with a topUpAmount that does not conform to the account's currency precision settings is now correctly rejected, preventing invalid refinancing operations.

Document visibility for loan products now correctly respects user permissions​

Users without permission to view, edit, or delete documents for loan products can no longer access those documents via the loan account Documents menu, closing an unintended permission bypass.

PATCH loan no longer triggers an incorrect securities permission check on unrelated field updates​

Updating loan fields unrelated to securities no longer incorrectly triggers a securities permission check, preventing spurious permission errors for users who do not hold securities-related permissions.

Fixed-term loans now correctly transition to ACTIVE_IN_ARREARS with manual interest application on due date​

Fixed-term loan accounts configured with Manual Interest Application on Due Date now correctly transition to the ACTIVE_IN_ARREARS state when a payment is missed, ensuring arrears processing behaves as expected.

POST /creditArrangements:search now supports filtering by last modified date​

A lastModifiedDate filter has been added to POST /creditArrangements:search, allowing API consumers to retrieve only credit arrangements modified within a specified date range.

/loanproducts V2 API now returns all expected fields​

A previously missing field has been added to the /loanproducts V2 API response, ensuring integrations receive complete product configuration data.

Prepayment schedules now calculated correctly when using INCREASE_LAST_INSTALLMENT​

Making prepayments on loans configured with the INCREASE_LAST_INSTALLMENT late payment calculation setting no longer produces an incorrect repayment schedule or an inflated total repayment amount, ensuring accurate loan balances and payment projections.

Additional work​

  • Non-customer-facing lending maintenance.

Islamic Banking​

Broken-period profit calculation on the proposal page now uses the correct average balance​

The proposal page now uses the correct account average balance when calculating broken-period profit, preventing inaccurate profit estimates from being shown before account activation.

Extra payment cycles no longer created when cycle alignment differs from product cycle​

An issue where an additional account payment cycle was incorrectly created when the payment cycle was not aligned with the product cycle has been resolved, ensuring cycle counts remain accurate.

Accrued profit for the last day of a cycle is now correctly adjusted​

Accrued profit applied for the final day of a profit cycle is now correctly adjusted during end-of-day processing, preventing over- or under-accrual on closing entries.

Additional work​

  • Non-customer-facing Islamic Banking fixes.

Deposits​

Manual interest application no longer generates interest for periods with a zero-rate tier​

Manually applying interest on an account that had a zero interest rate tier for an extended period no longer incorrectly generates interest applications covering that entire period, ensuring only the applicable rate periods are processed.

Data​

Deleting multiple grouped custom fields via API V2 no longer disrupts ordering or removes incorrect data​

Deleting multiple grouped custom fields in a single API V2 call now correctly preserves the ordering sequence of remaining fields and removes only the intended records, preventing data loss on bulk delete operations.

Transaction channel creation now validates usageRights​

Validation has been added for the usageRights field when creating a transaction channel, ensuring only permitted values are accepted and preventing misconfigured channels from being saved.

Clients and Groups​

The View Client Details permission is now correctly enforced when using the UI search bar, preventing users without this permission from retrieving client information through search.

Additional work​

  • Non-customer-facing backend maintenance.

v9.191.5​

Release Date: 05.06.2026

Improvements​

Data​

Additional work​

  • Non-customer-facing configuration changes.

v9.191.4​

Release Date: 03.06.2026

Improvements​

Mortgages​

Deferred interest balance correctly reflects repayment transaction adjustments​

When a repayment transaction is adjusted, the deferred interest paid amount is now recalculated accurately, preventing balance discrepancies on offset savings mortgage accounts.

Notifications​

Additional work​

  • Internal notifications infrastructure updates.

Bug fixes​

Data​

Additional work​

  • Non-customer-facing data fixes.

v9.191.3​

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 fields in the balance details.

Improvements​

Notifications​

Groundwork for upcoming features​

  • Ongoing migration of notification delivery to the next-generation outbox-based dispatcher, progressively activated across sandbox and production environments.

Additional work​

  • Internal notifications infrastructure and activation work.

Bug fixes​

Data​

Additional work​

  • Non-customer-facing data maintenance.

v9.191.2​

Release Date: 03.06.2026

Improvements​

Data​

Additional work​

  • Non-customer-facing data fixes and internal configuration changes.

Bug fixes​

Data​

Additional work​

  • Non-customer-facing data maintenance.

v9.191.1​

Release Date: 03.06.2026

Improvements​

Data​

Additional work​

  • Internal data maintenance and configuration fixes.

Bug fixes​

Notifications​

Webhook authentication corrected for non-ordinary notification events​

Webhook notifications using non-standard authentication methods now authenticate correctly, preventing delivery failures for affected notification types.

Data​

Additional work​

  • Internal data-layer maintenance.

For more information, see Mambu Release Cycle.

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