SmartVista Customer Applications are electronic documents of a predefined format that SmartVista Back-Office can process to add new customer related records. These documents may be created manually with the help of the SmartVista Application Entry module, or imported via the SmartVista Applications Interface as SmartVista Application Files from an external system, such as a Customer Relationship Management (CRM) system.

Each application includes a reference to a pre-defined SmartVista Contract and the customer's unique details, such as name, address, etc. Customer applications may also include parameters that are already defined in the contract. In this case, should the application details be different from those specified in the contract, the application data will prevail.

Once a customer application has been entered, it goes through several stages of verification where actions will be required from users with an appropriate level of access to approve or reject it. If approved, the relevant customer, cardholder, account, card and other records will be added to the production database.

The database will also hold information about the applications that have been rejected and about persons who signed them, with an indication of the reason, so that any repeated applications from these persons could always be detected and brought to the attention of the bank in the course of their verification.