To refresh the applet, you can use the “FINS Teller UI Navigation” business service. This is the Siebel out of box/Vanilla service.
To find Encryption Key in Siebel to connect local database you can use below query providing USER ID.
Update Record without using Siebel Operation step in Workflow is Siebel
How to check performance for particular Business Service and Method in Siebel
SIEBEL: How to check Script performance locally in Siebel Tools?
Allow Object Locking Property