generated: '2026-07-20'
method: derived
source: openapi/regional-australia-bank-cds-banking-products-openapi.yml
note: >-
  Entity-relationship graph for the PUBLIC Product Reference Data domain, derived
  from the CDS Banking API schemas. Scoped to the openly implemented product
  surface; the authenticated CDR banking entities (accounts, transactions, payees,
  scheduled payments, direct debits, instalment plans) are listed for context but
  are not part of the public surface.
entities:
  - name: BankingProduct
    id: productId
    id_type: BankingProductId
    key_fields: [productId, productCategory, name, description, brand, effectiveFrom, effectiveTo, isTailored]
    category_enum: [BUSINESS_LOANS, BUY_NOW_PAY_LATER, CRED_AND_CHRG_CARDS, LEASES, MARGIN_LOANS, OVERDRAFTS, PERS_LOANS, REGULATED_TRUST_ACCOUNTS, RESIDENTIAL_MORTGAGES, TERM_DEPOSITS, TRADE_FINANCE, TRANS_AND_SAVINGS_ACCOUNTS, TRAVEL_CARDS]
  - name: BankingProductDetail
    note: Full product record returned by getBankingProductDetail; embeds the collections below.
  - name: BankingProductFeature
  - name: BankingProductFee
  - name: BankingProductDepositRate
  - name: BankingProductLendingRate
  - name: BankingProductRateTier
  - name: BankingProductConstraint
  - name: BankingProductEligibility
  - name: BankingProductBundle
relationships:
  - from: BankingProductDetail
    to: BankingProductFeature
    kind: has_many
    via: features
  - from: BankingProductDetail
    to: BankingProductFee
    kind: has_many
    via: fees
  - from: BankingProductDetail
    to: BankingProductDepositRate
    kind: has_many
    via: depositRates
  - from: BankingProductDetail
    to: BankingProductLendingRate
    kind: has_many
    via: lendingRates
  - from: BankingProductLendingRate
    to: BankingProductRateTier
    kind: has_many
    via: tiers
  - from: BankingProductDetail
    to: BankingProductConstraint
    kind: has_many
    via: constraints
  - from: BankingProductDetail
    to: BankingProductEligibility
    kind: has_many
    via: eligibility
  - from: BankingProductDetail
    to: BankingProductBundle
    kind: has_many
    via: bundles
authenticated_context_entities:
  - BankingAccount (BankingAccountId)
  - BankingTransaction (BankingTransactionId)
  - BankingPayee (BankingPayeeId)
  - BankingScheduledPayment (BankingScheduledPaymentId)
  - BankingInstalmentPlan (BankingInstalmentPlanId)