Why this verdict为什么是这个判定

Eight questions, asked of all eight requirements under Homepage widgets [phase 2]八个问题,向 Homepage widgets [phase 2] 下的八条需求各问一遍 · Growth & x-sell · 2026-10-19

The rule in one line一句话规则

Every requirement is asked the same eight questions. A yes you wrote down goes to Compliance, with your sentence attached. A yes we only suspect comes back to you. That is the whole difference between the two verdicts.每条需求都被问同样的八个问题。你写下来的「是」会带着原句送合规;我们只是怀疑的「是」退回给你。两个判定的差别全在这里。

Why not refer a suspicion too? Because a referral has to arrive with something a reviewer can read. “We estimate 70%” is not reviewable, and a queue full of evidence-free flags teaches everyone to ignore the evidenced ones.为什么怀疑不能送?因为送过去得带上评审者能读的东西。「我们估 70%」没法评审,而堆满了没证据的标记之后,有证据的那些也会被一起忽略。

1

[Phase 2] Lending repayment widget encompassing all products

Need more Info

Need more Info. No question was answered yes in writing, so nothing is referred. But 3 (Financial crime, Customer impact, Conduct) went unanswered and look likely for this kind of change, so it comes back to you.退回补充。没有任何问题在文字里答了是,所以不送合规。但有 3 个(Financial crime, Customer impact, Conduct)没回答,而且对这类改动来说很可能适用,所以退回给你。

  1. Third partiesUnlikely不太可能

    Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK?

    Not mentioned, estimated没提到,估 20 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 20 / threshold 50 · Internal aggregation of existing lending products; AECB data already in use, repayment initiation likely routes to existing flows, so new third party unlikely.
  2. DataUnlikely不太可能

    Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型,或者把已有数据送到了新的地方?

    Not mentioned, estimated没提到,估 40 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 40 / threshold 50 · Surfacing financial debt data on a new homepage surface where 'could be seen by others' flags exposure risk, though data stays within the product.
  3. Jurisdiction & licenceUnlikely不太可能

    Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场,或者超出当前产品牌照范围的业务?

    Not mentioned, estimated没提到,估 10 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 10 / threshold 50 · Display widget over existing lending products in existing market; no new jurisdiction or licensed activity introduced.
  4. Financial crimeNot answered没回答

    Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径,或者改动了 KYC、限额、交易监控?

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 35 against a bar of,该条阈值 30.
    Repayment initiation from widget likely reuses existing payment flows, but a new entry point to money movement could touch limits/monitoring.
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
  5. Customer impactNot answered没回答

    Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗?(金融线的阈值)

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 85 against a bar of,该条阈值 50.
    Homepage widget shown to all users with active loan/SNPL/EasyCash/split pay balance on a FINANCIAL line almost certainly exceeds 100 customers/day.
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
  6. ReversibilityNo — ruled out in writing否 — 原文排除

    Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉,而且不需要发版?

    Answered by the description:描述里的回答:
    the widget can be hidden server-side
  7. Operational resilienceUnlikely不太可能

    If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话,通话建立、消息、登录或资金流动会不会跟着挂?

    Not mentioned, estimated没提到,估 45 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 45 / threshold 50 · Homepage widget pulling from multiple source systems; its failure may degrade homepage but can be hidden server-side, so not clearly on funds/login critical path.
  8. ConductNot answered没回答

    Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称,或者针对了脆弱人群?

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 70 against a bar of,该条阈值 30.
    Customer-facing collections/AECB warnings shown to overdue borrowers who may be financially vulnerable, and messaging 'must not be threatening' signals conduct risk.
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
2

[Phase 2] Invest widget

Flag to IRA

Flag to IRA. 1 question (Conduct) was answered yes in your own words, so it goes to Compliance with the quote attached. 2 more came back unanswered.送合规。1 个问题(Conduct)在你自己的描述里答了是,所以带着原句送去合规。另有 2 个问题没回答。

  1. Third partiesNot answered没回答

    Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK?

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 55 against a bar of,该条阈值 50.
    live gold/silver rates must come from a price feed; could be an existing Invest data source or a new external rate API
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
  2. DataNo — ruled out in writing否 — 原文排除

    Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型,或者把已有数据送到了新的地方?

    Answered by the description:描述里的回答:
    New events: Invest Widget Viewed, Invest Widget Clicked
  3. Jurisdiction & licenceUnlikely不太可能

    Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场,或者超出当前产品牌照范围的业务?

    Not mentioned, estimated没提到,估 10 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 10 / threshold 50 · surfacing an existing Invest product to existing users; same market and licence unless Invest itself is being newly exposed
  4. Financial crimeNo — ruled out in writing否 — 原文排除

    Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径,或者改动了 KYC、限额、交易监控?

    Answered by the description:描述里的回答:
    a tap opens Invest
  5. Customer impactNot answered没回答

    Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗?(金融线的阈值)

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 90 against a bar of,该条阈值 50.
    homepage-wide widget on a large user base almost certainly exceeds 100 customers/day
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
  6. ReversibilityNo — ruled out in writing否 — 原文排除

    Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉,而且不需要发版?

    Answered by the description:描述里的回答:
    the widget can be hidden server-side
  7. Operational resilienceUnlikely不太可能

    If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话,通话建立、消息、登录或资金流动会不会跟着挂?

    Not mentioned, estimated没提到,估 35 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 35 / threshold 50 · widget has a stale-rate fallback, reducing resilience risk; homepage is high-traffic but widget failure shouldn't block login or funds movement
  8. ConductYes — you wrote it down是 — 你写下来了

    Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称,或者针对了脆弱人群?

    Answered by the description:描述里的回答:
    the message must not read as investment advice. Both need compliance sign-off
    → This is what sends it to Compliance.→ 送合规的就是这一条。
3

[Phase 2] SNPL added to International transfer widget

Flag to IRA

Flag to IRA. 1 question (Conduct) was answered yes in your own words, so it goes to Compliance with the quote attached. 2 more came back unanswered.送合规。1 个问题(Conduct)在你自己的描述里答了是,所以带着原句送去合规。另有 2 个问题没回答。

  1. Third partiesUnlikely不太可能

    Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK?

    Not mentioned, estimated没提到,估 25 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 25 / threshold 50 · cross-sell of an existing internal SNPL feature within an existing widget, unlikely to introduce a new third party
  2. DataUnlikely不太可能

    Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型,或者把已有数据送到了新的地方?

    Not mentioned, estimated没提到,估 30 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 30 / threshold 50 · new tracking events and surfacing of lending limit, but data stays within existing product; modest chance of new data exposure
  3. Jurisdiction & licenceUnlikely不太可能

    Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场,或者超出当前产品牌照范围的业务?

    Not mentioned, estimated没提到,估 35 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 35 / threshold 50 · promoting a lending product within the transfer flow could touch activities beyond the widget's licence scope, consumer-lending promotion flagged for compliance
  4. Financial crimeNot answered没回答

    Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径,或者改动了 KYC、限额、交易监控?

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 45 against a bar of,该条阈值 30.
    links to sending with SNPL (deferred-payment funding of a transfer); new entry point into a money-movement/lending path even if the underlying product exists
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
  5. Customer impactNot answered没回答

    Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗?(金融线的阈值)

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 80 against a bar of,该条阈值 50.
    placed in the main international transfer widget for all eligible and existing SNPL users, very likely exceeds 100 affected customers/day
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
  6. ReversibilityNo — ruled out in writing否 — 原文排除

    Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉,而且不需要发版?

    Answered by the description:描述里的回答:
    Reversibility: the SNPL content can be hidden server-side
  7. Operational resilienceUnlikely不太可能

    If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话,通话建立、消息、登录或资金流动会不会跟着挂?

    Not mentioned, estimated没提到,估 35 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 35 / threshold 50 · additive promotional content in an existing transfer widget, unlikely to be on the critical path for fund movement but shares the widget
  8. ConductYes — you wrote it down是 — 你写下来了

    Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称,或者针对了脆弱人群?

    Answered by the description:描述里的回答:
    Lending promotion must follow CBUAE consumer protection rules. Copy needs compliance sign-off.
    → This is what sends it to Compliance.→ 送合规的就是这一条。
4

[Phase 2] Portfolio widget

Flag to IRA

Flag to IRA. 2 questions (Financial crime, Conduct) were answered yes in your own words, so it goes to Compliance with the quote attached. 1 more came back unanswered.送合规。2 个问题(Financial crime, Conduct)在你自己的描述里答了是,所以带着原句送去合规。另有 1 个问题没回答。

  1. Third partiesUnlikely不太可能

    Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK?

    Not mentioned, estimated没提到,估 15 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 15 / threshold 50 · homepage widget reading balances from already-live wallet/card/invest services, unlikely to add a new third party
  2. DataUnlikely不太可能

    Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型,或者把已有数据送到了新的地方?

    Not mentioned, estimated没提到,估 35 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 35 / threshold 50 · surfacing existing financial data to a new UI surface rarely crosses a border or reaches a new party, though wider exposure of IBAN raises some question
  3. Jurisdiction & licenceUnlikely不太可能

    Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场,或者超出当前产品牌照范围的业务?

    Not mentioned, estimated没提到,估 10 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 10 / threshold 50 · UI display of existing products to existing users stays within current jurisdiction and licence
  4. Financial crimeYes — you wrote it down是 — 你写下来了

    Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径,或者改动了 KYC、限额、交易监控?

    Answered by the description:描述里的回答:
    add funds, withdraw, send money
    → This is what sends it to Compliance.→ 送合规的就是这一条。
  5. Customer impactNot answered没回答

    Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗?(金融线的阈值)

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 90 against a bar of,该条阈值 50.
    homepage-level feature on a financial product almost certainly reaches well over 100 customers/day
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
  6. ReversibilityNo — ruled out in writing否 — 原文排除

    Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉,而且不需要发版?

    Answered by the description:描述里的回答:
    Reversibility: sections can be hidden server-side
  7. Operational resilienceUnlikely不太可能

    If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话,通话建立、消息、登录或资金流动会不会跟着挂?

    Not mentioned, estimated没提到,估 30 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 30 / threshold 50 · homepage widget depending on balance services; its failure degrades display but the underlying add-funds/send actions still route through existing critical paths
  8. ConductYes — you wrote it down是 — 你写下来了

    Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称,或者针对了脆弱人群?

    Answered by the description:描述里的回答:
    with key actions and upsells ... MySalary upsell ... split pay upsell
    → This is what sends it to Compliance.→ 送合规的就是这一条。
5

[Phase 2] BorrowCash (Easy cash) widget

Flag to IRA

Flag to IRA. 1 question (Conduct) was answered yes in your own words, so it goes to Compliance with the quote attached. 2 more came back unanswered.送合规。1 个问题(Conduct)在你自己的描述里答了是,所以带着原句送去合规。另有 2 个问题没回答。

  1. Third partiesUnlikely不太可能

    Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK?

    Not mentioned, estimated没提到,估 20 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 20 / threshold 50 · homepage widget surfacing existing EasyCash limits via SDUI; likely internal rendering with no new vendor, but SDUI framework could involve a third party
  2. DataUnlikely不太可能

    Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型,或者把已有数据送到了新的地方?

    Not mentioned, estimated没提到,估 25 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 25 / threshold 50 · surfaces available borrowing limit on homepage and adds analytics events with utm; data stays internal to the product, but limit/eligibility data reaching the homepage surface is a plausible new flow
  3. Jurisdiction & licenceUnlikely不太可能

    Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场,或者超出当前产品牌照范围的业务?

    Not mentioned, estimated没提到,估 15 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 15 / threshold 50 · promotes existing EasyCash lending product in EN/AR; no new market or activity beyond the existing lending licence, but lending promotion can touch licence conditions
  4. Financial crimeNot answered没回答

    Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径,或者改动了 KYC、限额、交易监控?

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 30 against a bar of,该条阈值 30.
    widget links to borrowing and onboarding; it routes to existing money-movement paths rather than creating one, but it drives funding/payout activity and must exclude overdue/ineligible users
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
  5. Customer impactNot answered没回答

    Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗?(金融线的阈值)

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 80 against a bar of,该条阈值 50.
    homepage widget shown to all eligible EasyCash users in a FINANCIAL line; a homepage placement almost certainly exceeds 100 affected customers/day
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
  6. ReversibilityNo — ruled out in writing否 — 原文排除

    Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉,而且不需要发版?

    Answered by the description:描述里的回答:
    the widget can be hidden server-side
  7. Operational resilienceUnlikely不太可能

    If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话,通话建立、消息、登录或资金流动会不会跟着挂?

    Not mentioned, estimated没提到,估 20 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 20 / threshold 50 · a promotional homepage widget; its failure would not block login or fund movement, though a server-driven homepage dependency could marginally affect homepage load
  8. ConductYes — you wrote it down是 — 你写下来了

    Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称,或者针对了脆弱人群?

    Answered by the description:描述里的回答:
    the widget must not push borrowing too aggressively. Copy needs compliance sign-off
    → This is what sends it to Compliance.→ 送合规的就是这一条。
6

[Phase 2] International transfer v2

Need more Info

Need more Info. No question was answered yes in writing, so nothing is referred. But 2 (Customer impact, Conduct) went unanswered and look likely for this kind of change, so it comes back to you.退回补充。没有任何问题在文字里答了是,所以不送合规。但有 2 个(Customer impact, Conduct)没回答,而且对这类改动来说很可能适用,所以退回给你。

  1. Third partiesUnlikely不太可能

    Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK?

    Not mentioned, estimated没提到,估 15 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 15 / threshold 50 · server-driven homepage widget built in-house; no new vendor or external SDK implied, though SDUI backend could involve existing infra
  2. DataUnlikely不太可能

    Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型,或者把已有数据送到了新的地方?

    Not mentioned, estimated没提到,估 35 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 35 / threshold 50 · cohort-targeted cards require eligibility/cohort data to render per user; may use existing segmentation but could route personal data to a new surface
  3. Jurisdiction & licenceUnlikely不太可能

    Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场,或者超出当前产品牌照范围的业务?

    Not mentioned, estimated没提到,估 20 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 20 / threshold 50 · promotes international transfer and multi-currency services but the widget itself only advertises, not performing the regulated activity; EN/AR suggests existing markets
  4. Financial crimeNo — ruled out in writing否 — 原文排除

    Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径,或者改动了 KYC、限额、交易监控?

    Answered by the description:描述里的回答:
    a tap opens the service
  5. Customer impactNot answered没回答

    Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗?(金融线的阈值)

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 85 against a bar of,该条阈值 50.
    homepage widget on a financial product shown broadly to botim users who haven't discovered services; almost certainly exceeds >100 financial customers/day
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
  6. ReversibilityNo — ruled out in writing否 — 原文排除

    Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉,而且不需要发版?

    Answered by the description:描述里的回答:
    cards can be switched off server-side
  7. Operational resilienceUnlikely不太可能

    If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话,通话建立、消息、登录或资金流动会不会跟着挂?

    Not mentioned, estimated没提到,估 20 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 20 / threshold 50 · a promo widget on the homepage; its SDUI service failing degrades a card but is unlikely to block login, message delivery or fund movement on the critical path
  8. ConductNot answered没回答

    Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称,或者针对了脆弱人群?

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 55 against a bar of,该条阈值 30.
    cards introduce fintech services and may carry promotional claims ('New on botim'), and the description itself flags 'Fintech cards need compliance sign-off', suggesting customer-facing claims are in scope
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
7

[Phase 2] For you carousel - v2 upgraded

Need more Info

Need more Info. No question was answered yes in writing, so nothing is referred. But 2 (Customer impact, Conduct) went unanswered and look likely for this kind of change, so it comes back to you.退回补充。没有任何问题在文字里答了是,所以不送合规。但有 2 个(Customer impact, Conduct)没回答,而且对这类改动来说很可能适用,所以退回给你。

  1. Third partiesUnlikely不太可能

    Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK?

    Not mentioned, estimated没提到,估 40 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 40 / threshold 50 · Change moves content management to CEP and uses Lottie rendering; if CEP is already the in-house CRM platform the third-party is not new, but the migration raises some chance of a new SDK/renderer.
  2. DataUnlikely不太可能

    Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型,或者把已有数据送到了新的地方?

    Not mentioned, estimated没提到,估 25 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 25 / threshold 50 · Carousel adds 'For You Card Swiped' event and segment measurement — behavioural telemetry on existing users, likely within existing data handling, so low chance of new sensitive data or new border crossing.
  3. Jurisdiction & licenceUnlikely不太可能

    Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场,或者超出当前产品牌照范围的业务?

    Not mentioned, estimated没提到,估 5 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 5 / threshold 50 · UI upgrade to an existing homepage feature for current users — no new jurisdiction or licensed activity implied.
  4. Financial crimeUnlikely不太可能

    Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径,或者改动了 KYC、限额、交易监控?

    Not mentioned, estimated没提到,估 10 against a bar of,阈值 30 — under it, so it is let go低于阈值,放行.
    clear · estimated 10 / threshold 30 · Marketing carousel driving cross-sell clicks; CTAs route users into other products but the carousel itself moves no funds and changes no screening/limits, so low financial-crime surface.
  5. Customer impactNot answered没回答

    Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗?(金融线的阈值)

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 80 against a bar of,该条阈值 50.
    Homepage For You carousel on a financial product with >100/day FINANCIAL threshold; broad homepage placement very likely exceeds the daily affected-customer threshold.
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
  6. ReversibilityNo — ruled out in writing否 — 原文排除

    Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉,而且不需要发版?

    Answered by the description:描述里的回答:
    Reversibility: cards can be switched off in CEP.
  7. Operational resilienceUnlikely不太可能

    If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话,通话建立、消息、登录或资金流动会不会跟着挂?

    Not mentioned, estimated没提到,估 35 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 35 / threshold 50 · Server-driven carousel on the homepage; its failure likely degrades a homepage section rather than login or fund movement, but SDUI dependency on homepage render carries moderate critical-path risk.
  8. ConductNot answered没回答

    Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称,或者针对了脆弱人群?

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 60 against a bar of,该条阈值 30.
    Carousel delivers targeted offers with T&Cs embedded in creatives — customer-facing promotional claims that can change per campaign, so conduct risk is material even though CRM reviews assets.
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。
8

[Phase 2] New on botim widget

Flag to IRA

Flag to IRA. 1 question (Customer impact) was answered yes in your own words, so it goes to Compliance with the quote attached. 1 more came back unanswered.送合规。1 个问题(Customer impact)在你自己的描述里答了是,所以带着原句送去合规。另有 1 个问题没回答。

  1. Third partiesUnlikely不太可能

    Does this bring in a vendor, partner, processor or SDK we do not already run in production?是否引入了我们生产环境还没在用的供应商、合作方、处理方或 SDK?

    Not mentioned, estimated没提到,估 15 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 15 / threshold 50 · server-driven homepage widget promoting existing in-house services; no new vendor or SDK indicated, likely built on existing SDUI infrastructure
  2. DataUnlikely不太可能

    Does this introduce a new kind of personal data, or send existing data somewhere new?是否引入了新的个人数据类型,或者把已有数据送到了新的地方?

    Not mentioned, estimated没提到,估 35 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 35 / threshold 50 · cohort/eligibility targeting implies consuming existing user segmentation data; new analytics events ('Card Viewed/Clicked') but these are standard product telemetry, not obviously new sensitive data or new border
  3. Jurisdiction & licenceUnlikely不太可能

    Does this enter a market we do not serve, or an activity outside this product's licence?是否进入了我们还没服务的市场,或者超出当前产品牌照范围的业务?

    Not mentioned, estimated没提到,估 10 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 10 / threshold 50 · UI promotion of already-launched services (Goals, multi-currency) within existing market; introduces no new jurisdiction or activity itself
  4. Financial crimeNo — ruled out in writing否 — 原文排除

    Does this create a new path for money to move, or change KYC, limits or monitoring?是否新增了资金流动路径,或者改动了 KYC、限额、交易监控?

    Answered by the description:描述里的回答:
    a tap opens the service — widget only promotes/links to services
  5. Customer impactYes — you wrote it down是 — 你写下来了

    Will this reach more than 100 customers a day? (the bar on a financial line)每天影响的客户会超过 100 人吗?(金融线的阈值)

    Answered by the description:描述里的回答:
    botim users who haven’t discovered newer services — homepage widget on a large consumer base, financial line >100/day
    → This is what sends it to Compliance.→ 送合规的就是这一条。
  6. ReversibilityNo — ruled out in writing否 — 原文排除

    Can this be switched off within 2 hours, without an app-store release?能不能在 2 小时内关掉,而且不需要发版?

    Answered by the description:描述里的回答:
    Reversibility: cards can be switched off server-side
  7. Operational resilienceUnlikely不太可能

    If this breaks, does call setup, messaging, login or money movement break with it?它挂了的话,通话建立、消息、登录或资金流动会不会跟着挂?

    Not mentioned, estimated没提到,估 20 against a bar of,阈值 50 — under it, so it is let go低于阈值,放行.
    clear · estimated 20 / threshold 50 · homepage widget via SDUI; failure degrades a promotional component but unlikely to block login or fund movement unless it hard-blocks homepage render
  8. ConductNot answered没回答

    Does this change pricing, fees or customer-facing claims, or target vulnerable customers?是否改动了定价、费用或面向客户的宣称,或者针对了脆弱人群?

    The description does not say. Judging by the kind of change, the screen puts it at描述里没写。系统按改动类型估 55 against a bar of,该条阈值 30.
    cards are customer-facing claims promoting fintech services and description flags 'Fintech cards need compliance sign-off'; card copy may constitute a customer-facing claim requiring conduct review
    → Over the bar, so it comes back to you — not to Compliance. An estimate is not evidence anyone can review.→ 超过阈值,所以退回给你 — 不送合规。推断不是别人能评审的证据。

The one answer missing everywhere所有人都没回答的那一题

“Will this reach more than 100 customers a day?” went unanswered in all eight. Every one is a homepage widget on a financial line, so the screen estimates 80–90 every time — but it cannot declare a number on your behalf. One line closes it, on all eight:「每天影响超过 100 人吗?」八条都没回答。它们全是金融线的首页 widget,所以系统每次都估 80–90 — 但它不能替你声明一个数字。补一行,八条一起解决:

Customer impact: affects ~____ customers/day. Worst case: ____