The questions your board asks, and where Fused answers them.
A core system earns its place when the answers to hard questions come from the ledger, not from a report someone assembles the night before. Here is each question, the screen or report that answers it, and the rule that makes the answer hold.
Questions by role
CEO
| The question | Where Fused answers it | The rule behind the answer |
|---|---|---|
| What is PAR30 by branch today? | The portfolio at risk report, run as at any date, with the branch and officer on every loan. | Days past due count from the oldest instalment not fully settled, and each loan sits on the delinquency ladder you define. |
| Did last month's rate change reprice existing loans? | The product version shown on each loan. | No. A loan pins the product version it was made under; a new release takes effect on its date for new lending only. |
| Could someone approve their own loan? | The approval flow drawn for loan approval, and the queue of items waiting on a decision. | The person who raised an item cannot decide it, and a gate can require several distinct approvers, such as two of three managers at the branch. |
| How is each officer's book performing? | The officer performance report. | Each officer's active loans, outstanding, overdue and portfolio at risk as at the date, read from the same records the ledger posts from. |
| Can we give repeat borrowers a better rate? | The rate chart the loan product names. | Rates are banded by principal, term and loan cycle, and the cycle is counted from the borrower's own loans in that category. |
| Will the auditors trust the trail? | The history panel on every record. | Every write records a SHA-256 hash-chained event in the same transaction, and each chain's tip is copied every minute to a separate database under a separate credential. |
Finance
| The question | Where Fused answers it | The rule behind the answer |
|---|---|---|
| How do we close September? | The closing checklist, the trial balance and the financial statements. | The trial balance and statements are derived from postings, and closing the period goes through the approval flow. |
| What provision should we book this month? | A provision run for the month-end business date. | Each rung's rate applies to outstanding principal, and a re-run posts only the difference, so it is safe to repeat after a late repayment. |
| Does the bank statement agree with our books? | The bank reconciliation worklist. | MT940 or CSV statements are matched against ledger lines, and a statement completes only when every line is settled and the difference is zero. |
Operations
| The question | Where Fused answers it | The rule behind the answer |
|---|---|---|
| How much should be in the Kandy till right now? | The expected balance on the till's open shift. | The last count, plus cash received, less cash paid out, plus or minus transfers to and from the safe. Only what a person counted is stored. |
| Did all the cash from Tuesday's centre meeting get keyed in? | The collection batch and the receipts it wrote. | A batch must equal the cash the officer declared, or nothing is written. |
| What happens to instalments due on a Poya day? | The business calendar and the loan product's rescheduling rule. | Once the year's Poya days are in the calendar, a due date moves to the next or previous working day, or keeps its date with no late fee until the end of the next working day, as the product says. |
Risk & audit
| The question | Where Fused answers it | The rule behind the answer |
|---|---|---|
| Could anyone change a posted figure? | The journal, and the reversal linked to any corrected entry. | The database refuses edits and deletes on posted entries. A correction is a new, linked reversal, made once. |
| Is any loan under-collateralised? | The collateral card on the application and the loan. | Approval and disbursement refuse below the product's minimum cover ratio unless an override carries a reason and a permission, recorded on the loan. |
| Who holds which access, and who confirmed it? | Access-review campaigns and the sign-in trail. | A campaign freezes who holds what when it opens, and a named reviewer records a decision on each item. |
IT
| The question | Where Fused answers it | The rule behind the answer |
|---|---|---|
| Can another institution see our data? | Your institution's own database. | Three isolation layers: a separate PostgreSQL database per institution, row-level security, and an identity check each time it is opened. |
| What happens if the connection drops mid-payment? | The idempotency key on every money movement. | A retried request with the same key returns the stored result, so nothing posts twice. |
| Can a branch manager see other branches? | The office scope on the manager's role. | A role reads the whole institution, its holder's own branch, or that branch and those below it. |
Try the reports your morning starts with.
Choose an office and a report. A role sees the whole institution, its holder’s branch, or that branch and those below it; the same office choice narrows every figure here.
Sample institution. Figures in LKR, as at 26 Sep 2026, 18:00 Asia/Colombo.
- Gross portfolio
- LKR 904,298,800.00
- PAR30
- LKR 22,409,319.74
- 2.5% of the portfolio
- Provision required
- LKR 21,494,393.52
- Active loans
- 11,128
| Rung | Share | Outstanding | Rate | Provision |
|---|---|---|---|---|
| Current | 94.5% | 854,569,113.10 | 1% | 8,545,691.13 |
| 1–30 days | 3.0% | 27,320,367.16 | 5% | 1,366,018.36 |
| 31–60 days | 1.0% | 8,897,796.08 | 20% | 1,779,559.22 |
| 61–90 days | 0.6% | 5,118,627.33 | 50% | 2,559,313.67 |
| 91–180 days | 0.5% | 4,596,340.77 | 75% | 3,447,255.58 |
| 181 days and over | 0.4% | 3,796,555.56 | 100% | 3,796,555.56 |
Example ladder. Each institution sets its own day ranges and provisioning rates.
This panel mirrors the portfolio-at-risk report in Fused, read from the ledger rather than retyped.
Bring your board’s hardest question to the demo.
A walkthrough with the team that builds Fused: your loan products, your branches, your month-end.