The default configuration is the layout and the style metadata that is delivered by SAP, along with the mobile application binary.
Use Mobile Application Workbench or other XML tools to modify the default configuration, or to create your own custom configuration. See the documentation for Mobile Application Workbench on the SAP Help Portal for details on how to use the tool. See the XSD documentation on the SAP Help Portal for details on the XML structure.
To create the default style configuration, define all the identified MAF tiles, the layout of the controls within a MAF tile, and the data binding information. The styling XSD documentation can be found on the SAP Help Portal.