> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finhub.cloud/llms.txt
> Use this file to discover all available pages before exploring further.

# SCT01 - B2C Distribution Channel

> Interfaces for individual customers to access financial services

# SCT01 - B2C Distribution Channel

The B2C Distribution Channel provides interfaces for individual customers to access financial services through web and mobile platforms.

## Overview

This capability enables your platform to serve individual (retail) customers with a complete suite of self-service financial tools across multiple channels.

## Features

| Feature                   | Description                                          |
| ------------------------- | ---------------------------------------------------- |
| **Customer Registration** | Self-service onboarding with KYC integration         |
| **Account Management**    | View and manage accounts, balances, and settings     |
| **Transaction History**   | Complete transaction history with search and filters |
| **Statements**            | Generate and download account statements             |
| **Payment Initiation**    | Initiate transfers, payments, and bill payments      |
| **Customer Support**      | In-app support access and ticket management          |
| **Personal Settings**     | Manage preferences, notifications, and security      |

## Platform Options

### Web Interface

Browser-based responsive application optimized for desktop and tablet use.

* Responsive design for all screen sizes
* Full feature parity with mobile
* Document upload and management
* Advanced reporting and analytics

### Mobile - Android

Native Android application available on Google Play Store.

* Biometric authentication (fingerprint, face)
* Push notifications
* Offline transaction queuing
* Camera integration for document capture

### Mobile - iOS

Native iOS application available on Apple App Store.

* Face ID and Touch ID support
* Apple Pay integration
* Widget support
* Siri shortcuts

## Configuration Options

| Level        | Platforms                           | Features                             |
| ------------ | ----------------------------------- | ------------------------------------ |
| **Basic**    | Single platform (Web OR Mobile)     | Essential features only              |
| **Standard** | Two platforms (Web + one mobile)    | Full feature set                     |
| **Advanced** | All platforms (Web + Android + iOS) | Biometric auth, offline capabilities |

## User Journey

```mermaid theme={null}
flowchart TD
    A[Customer Registration] --> B[Identity Verification]
    B --> C[Account Activation]
    C --> D[Dashboard Access]
    D --> E[Transactions & Payments]
    D --> F[Account Management]
    D --> G[Support & Settings]
```

## Integration with Other Capabilities

| Capability                       | Integration                                      |
| -------------------------------- | ------------------------------------------------ |
| **SCT03 - Country of Operation** | Determines available countries for B2C customers |
| **SCT04 - Instant Payment**      | Enables real-time payment features               |
| **SCT09 - Multi-Currency**       | Enables multi-currency account views             |
| **SCT11 - Compliance**           | Integrates KYC/AML workflows                     |

## Subscription Tier Availability

| Tier         | Configuration Level |
| ------------ | ------------------- |
| Starter      | Basic               |
| Professional | Standard            |
| Enterprise   | Advanced            |
| Custom       | Configurable        |