Cbe - v9.193
This page contains the following releases for v9.193:
v9.193
Release Dates
- Sandbox: 06.07.2026
Features
Credit Arrangements
Enhanced overpayment allocation for Revolving Credit accounts
Added the COVER_DUE_AMOUNT auto-allocation option for Revolving Credit accounts to provide better control over overpayment routing. When this allocation strategy is selected on an account, any repayment funds that exceed the current total due amount will be automatically routed to and stored within the account's Credit Balance.
Credit Balance notifications support
Notifications are now supported for Credit Balance deposit transactions.
Billing cycle fee application improvements
Fees applied during a billing cycle are now correctly applied to the installment generated from that billing cycle, preventing broken accounts and inaccurate balances.
Groundwork for upcoming features
- Credit Balance functionality migration for existing accounts.
Developer
Extension development starter template
Added GET /extensions:skeleton endpoint, which returns a downloadable ZIP with a valid MEDF 0.1 extension.yaml starter template. Extension authors can use this scaffold to bootstrap new Mambu extensions without writing the definition format from scratch.
BPMN timer events support
Enabled BPMN timer events including delays, timeouts and scheduled process starts.
Improved process execution error handling
Enhanced 4xx error responses on process execution endpoints (start, callback delivery, task completion) to provide more actionable feedback.
Scheduled timer cycle execution fix
Fixed an issue where scheduled timers with timeCycle R3 were firing only 2 times instead of the expected 3.
Groundwork for upcoming features
- Extension Events functionality.
- Spec-driven development framework for CBE modules.
Additional work
- Internal process orchestration test fixes and API specification improvements.
Deposits
Courtesy Pay limit field highlighting
The Courtesy Pay limit input is now highlighted with a green required-field border whenever Allow Courtesy Pay is enabled, across the deposit product, account creation, and Adjust Courtesy Pay Terms screens.
Automatic dynamic balance creation for Courtesy Pay
Enabled automatic creation of required dynamic balance fields when setting up Courtesy Pay products.
Courtesy Pay activity tracking
Added Courtesy Pay enable/disable activity tracking across Dashboard, Client, and Account levels.
Overdraft Line of Credit product feature API
Implemented Overdraft Line of Credit product feature API that automatically creates its Dynamic Balance without overriding existing configuration.
Concurrent deposit account activation protection
Resolved a database race condition where multiple concurrent activation requests targeting the same deposit account could simultaneously bypass state validation. The system now enforces pessimistic locking during activation to prevent duplicated side effects including redundant activity log entries, repeated notifications, and mismatched client holder state updates.
OVERDRAFT_LIMIT_CHANGED transaction logging for dormant accounts
Enhanced transaction logging to ensure that modifying the overdraft limit on an account in a DORMANT state now correctly generates and displays an OVERDRAFT_LIMIT_CHANGED transaction record.
ETL Completeness API for data reconciliation
Introduced a new ETL Completeness endpoint (GET /api/etl_completeness) that returns current row counts for core banking database tables to simplify downstream data warehousing and ETL reconciliation processes. Supports granular filtering for specific tables using the ?tables= query parameter.
Groundwork for upcoming features
- Dynamic Interest computation and configuration framework.
- Next-generation deposit transaction backdating capabilities.
Additional work
- Internal deposits module migration and feature toggle updates.
Mortgages
Principal Only interest computation for Interest-Only mortgages
Added support for Principal Only interest computation method on Interest-Only mortgage products, providing enhanced flexibility for mortgage interest calculations.
Unapplied funds management
Implemented comprehensive unapplied funds handling including balance visibility, withdrawal capabilities, and automatic prevention of account closure when unapplied funds are present. Added proper accounting entries for all unapplied funds transactions.
Enhanced payoff preview calculations
Improved payoff preview functionality to consider redraw balances, planned fees for future installments, interest rate changes, and late fees when future installments are considered late.
Interest-Only loan closure with negative interest balance
Fixed an issue where Interest-Only loans with negative interest balance that entirely covers the principal balance could not be closed despite having zero total due amount.
Groundwork for upcoming features
- Short Term Payment Arrangements with temporary interest-only installments.
Additional work
- Internal mortgage configuration refactoring and activities support improvements.
Lending
Payment Holiday interest in loan payoff calculations
Introduced a new configuration option that allows lenders to include interest accrued during an active payment holiday directly within final loan payoff calculations. When enabled, the system automatically triggers a dedicated payment holiday interest application transaction during the payoff sequence, ensuring all outstanding accrued interest is fully recognized and collected.
Groundwork for upcoming features
- Configurable tiered penalty rates per days in arrears.
Clients and Groups
Mambu AI chat interface enhancements
Enhanced the chat interface with minimize button, close-warning dialog, Mambu AI header label, and draggable FAB launcher with position persistence.
Groundwork for upcoming features
- Agent Studio foundation with navigation, authentication and home functionality.
- Cross-service authentication platform.
- AI Runtime with MCP and streaming capabilities.
- OAuth2 and CBE authentication for MCP.
Additional work
- Internal Agent Studio access-point label corrections and authentication improvements.
Accounting
VIEW_ARCHIVED_JOURNAL_ENTRIES permission
Added VIEW_ARCHIVED_JOURNAL_ENTRIES permission to enable access to archived journal entry data based on the archival feature.
Islamic Banking
Groundwork for upcoming features
- Murabaha Contract Creation (B1) and Activation with schedule generation (B2).
Analytics
Custom view creation validation
Enhanced custom view creation to prevent using non-searchable fields, ensuring view functionality and performance.
Additional work
- Internal Subscription API validation restoration.
Data
Groundwork for upcoming features
- Financial Schedule Engine performance improvements and refactoring.
- Schedule execution flow optimization with event handling enhancements.
Additional work
- Internal schedule configuration refactoring and legacy cleanup.
Cards
Groundwork for upcoming features
- Refund Hold Decision Flow for both reversal and refund scenarios.
Additional work
- Internal credit account balance and interest accrual enhancements.
Improvements
Access Control
Missing permissions validation for API key rotation endpoint
The /api/apikey/rotation endpoint now properly validates user permissions before allowing API key rotation operations.
Credit arrangement access control fix
Resolved an issue where API consumers could view credit arrangements of restricted clients without proper permissions.
Additional work
- Internal permissions system maintenance.
Lending
Improved error messages for refund operations
Enhanced error messaging from both UI and API for partial and full refund operations using the Forward calculation method.
GraphQL API now respects loan total due computation setting
The GraphQL API now properly respects the COMPUTE_LOAN_TOTAL_DUE_FROM_ACCOUNT_BALANCES setting and resolves inconsistencies between totalDue and component due fields on LoanAccount.
Current billing cycle accrued interest exposed in GraphQL
The GraphQL LoanAccount now exposes current billing cycle accrued interest when ACCRUE_INTEREST_FROM_CURRENT_BILLING_CYCLES is enabled.
Groundwork for upcoming features
- Enhanced Auto Healing capabilities for revolving accounts with new "saldo" checker functionality.
- Performance optimization analysis for the Create Loan Account endpoint flow.
- Billing cycle fee application improvements for installment generation.
Additional work
- Internal lending system maintenance and repository restructuring.
Mortgages
Redraw feature toggles removed
Development toggles for the Redraw feature have been removed, completing the feature's production readiness.
Groundwork for upcoming features
- Principal Only interest computation method support for Interest Only mortgages, including interest rate change handling after threshold.
- Short-term payment arrangements with regular overpayment capabilities.
- Enhanced UI test coverage for carry forward arrears, fees, and accrued interest scenarios.
- Consolidated testing framework for unapplied funds and withdrawal operations.
Additional work
- Internal mortgage system maintenance and AI skill auditing.
Deposits
Groundwork for upcoming features
- Cash Inflow Engine architecture development with command pattern specification for deposit transaction flows.
Additional work
- Internal deposits system maintenance and test fixes.
Payments
Process orchestration error handling improvements
Fixed unreachable 422 PROCESS_EXECUTION_FAILED error code on task completion that was misleading API consumers.
Activity history optimization
Removed zero-duration sequence flow entries from activity history, reducing result count by half.
Input validation added to process orchestration APIs
Added missing input validation across all process orchestration REST request DTOs.
Transient variables persistence across async boundaries
Transient variables are now properly persisted across async BPMN boundaries using process-wide AsyncBoundaryDetector.
Groundwork for upcoming features
- Process orchestration runtime control APIs for recovering stuck BPMN instances.
- User interface components for process orchestration.
Additional work
- Internal process orchestration system maintenance and translation improvements.
Accounting
Groundwork for upcoming features
- Ledger correctness enhancements under EOD pre-compute with GL parity verification and conservative replay mechanisms.
- Pre-compute parity improvements for lending-general operations to close residual drift.
Developer
General holidays update support
Enhanced handling of calendar changes in the Financial Services Engine for administration-level general holidays updates.
Migration job scheduling controls
Migration jobs, including purge operations, can now be configured to pause during specified hours and days.
Additional work
- Internal developer tooling improvements including git worktree setup, documentation updates, and extensibility framework maintenance.
Data
Groundwork for upcoming features
- Archival system development with comprehensive specification coverage including performance, security, compliance, and data import capabilities.
- Insights integration framework for CBE platform.
Additional work
- Internal data system maintenance and scaling assessment updates.
Bug fixes
Developer
Build configuration fixes
Fixed build issues in common-extension-execution that were preventing proper development environment configuration.
Lending
Loans module interface improvements
Resolved blank page display issues when the new UI toggle is enabled and fixed OR filter logic reset problems in the updated interface.
Task management cleanup
Removed unnecessary favourites functionality that was causing interface confusion.
Interest calculation accuracy on Dynamic Term Loans
We resolved a critical interest calculation issue on Dynamic Term Loans utilizing the Declining Balance Discounted interest method where interest charges could be overstated by up to 10× the correct amount after an index rate change when principal prepayments had been processed on the disbursement date.
Extended grace period repayment processing
We resolved an issue where executing early repayments on loan accounts configured with more than 1,000 principal grace installments incorrectly triggered Excess Payment allocation errors.
Pay-off preview penalty calculation
We resolved an issue where the loan pay-off preview API erroneously included late-payment penalties for accounts with overdue amounts that fell within the configured arrears tolerance.
Dynamic term loan allocation improvements
Fixed allocation errors on dynamic term loans with interest-only installments and custom repayment allocation that were causing repayment and schedule recalculation operations to fail.
Optimized Payments schedule accuracy
Fixed incorrect principal schedule calculations in Optimized Payments when Interest Rate Changes were rolled back after midnight on schedule due dates.
P2P lending principal allocation
Resolved incorrect principal allocation issues for funders in peer-to-peer lending arrangements caused by adjustment processing errors.
Additional work
- Backend-only lending calculation fixes and schedule processing improvements.
Mortgages
Interest rate settings display
Fixed rendering issues with Interest Rate Settings during product creation for Principal Only IOEI mortgage products.
Payment arrangement period preservation
Resolved an issue where interest rate changes were incorrectly reducing the duration of existing payment arrangements.
EMI recalculation for IOEI products
Fixed loan term change processing to ensure EMI amounts are properly recalculated for Interest Only Equal Installment mortgage products.
Schedule recalculation after overpayments
Corrected compound interest mortgage account schedule recalculation issues that occurred after overpayments when installment status was marked as Paid.
Additional work
- Backend-only mortgage processing improvements.
Islamic Banking
Contract creation validation
Fixed validation logic that was incorrectly blocking contract creation for mandatory products that don't require upfront downpayments.
Murabaha contract API stability
Resolved JSON syntax errors returned by the contract retrieval API after contract withdrawal operations.
Profit sharing calculation accuracy
Fixed bank share and mudarib share calculation discrepancies in capped rate profit sharing arrangements that were causing formula mismatches and incorrect payment cycle balances.
Additional work
- Internal Islamic banking system maintenance and test infrastructure improvements.
Deposits
API response formatting consistency
We resolved an API response formatting issue where monetary balance fields returned by the account details endpoint were displayed using an internal 10-decimal storage format instead of the standard normalized decimal format.
Bulk deposit processing reliability
Fixed a race condition in bulk deposit processing where deposit transactions could be stored with pre-deposit account balances instead of correct post-deposit values, preventing GL journal entry generation.
Product configuration interface improvements
We resolved a user interface issue where the Overdraft Interest Calculation Balance field incorrectly appeared editable on products with linked accounts, and added warning banners for overdraft products with misconfigured interest settings.
Additional work
- Backend-only deposit account processing and GL posting improvements.
v9.193.2
Release Date: 14.07.2026
This release contains the following:
- Internal maintenance and stability improvements.
v9.193.1
Release Date: 09.07.2026
This release contains the following:
- Internal maintenance improvements to process orchestration system configuration and stability.
For more information, see Mambu Release Cycle.