Best Practice for Defining Process Boundaries

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Hi everyone,

We are working on a consumer lending process.

Before submitting an actual loan application, a customer may go through a consultation stage during which they receive information about the bank's terms and a pre-contractual information document.

After the consultation, the customer may:

* submit a loan application immediately;
* return later and submit an application;
* never submit an application at all.

Our question is:

From a WEBCON BPS modeling perspective, would you treat the consultation as part of the lending process (an initial stage of the same process) or as a separate process that may later lead to the initiation of a lending process?

We are interested in how you define the boundary between these two business cases and what arguments you would use in support of either approach.