We introduce  StPowla  , a workflow based approach to business process modelling that integrates a simple graphical notation, to ease the presentation of the core business process, a user---friendly policy language,  Appel  , to provide the necessary adaptation to the varied expectations of the various business stakeholders, and the Service Oriented Architecture, to assemble and orchestrate available services in the business process. We illustrate the approach with a loan approval process.
['Stephen Gorton', 'Carlo Montangero', 'Stephan Reiff-Marganiec', 'Laura Semini']
StPowla: SOA, Policies and Workflows