Download - SG company presentation March 2016 v4
Company Profile
March 2016
Software Group is an advanced technology company focused on end-to-end solutions for the financial and retail sector.
The experienced team of professionals iscommitted to the efficient delivery of innovative solutions and has an outstanding track record of handling complex development projects.
Software Group prides itself on delivering products and services which adhere to the principles of quality, transparency and affordability.
About Software Group
Vision, Mission and Values
210+ full timeemployees
200+ delivered
projects
14 partner supportoffices
• Brisbane, Australia• Sofia, Bulgaria• Accra, Ghana• Trichy, India• Nairobi, Kenya• Guadalajara, Mexico• Manila, Philippines• Cairo, Egypt
8 offices
• Baku, Azerbaijan• Bogota, Columbia• Brisbane, Australia• Chisinau, Moldova• Dhaka, Bangladesh• Islamabad, Pakistan• Jakarta, Indonesia• Lima, Peru• Moscow, Russia• Denver, Colorado• Oslo, Norway• Phnom Pen, Cambodia• San Jose, Costa Rica• San Salvador, El Salvador
Presence in 50+ countries
Key numbers
Primary Market
Our primary market are MFIs and Savings Groups. Being among the leading global vendors for delivery channel solutions, we elevate their operations with our unparalleled expertise in the microfinance domain.
The world's "unbanked" population shrank by 20 % to 2 billion adults between 2011 and 2014 as 700 million gained access to financial services.
2Source: THE GLOBAL FINDEX DATABASE 2014 by the World Bank
Banking Sector Telecommunication
Software Group’s products and solutions are tailored to meet the complete range of the three sectors’ technology needs
Payment Processors
Secondary Market
Software Group’s Customers
We serve over 100 clients on 6 continents
IT StrategyConsultancy, assessments, selections, implementations, audit, enhancements, support
Delivery Channels and Agent NetworksDesign, development, implementation, utilities building
IntegrationsDesign, development, implementation, support
Mobile Banking and M-WalletProducts, design, bespoke apps development, implementation, integrations
Reporting and Analysis ToolsProducts, design, development, implementation, support
Products, Services and Solutions
Product Portfolio
EFTSwitch
EFTBridge
Web front-endfor banking system
Mobile banking/M-wallet application
SMS messagingand alert platform
Card Management System
Biometricauthentication
Data Warehouse
Full support of non-account money transfers including agency management
Remittance Management
Data Warehousing
Same data different view, extract and deliver reports that meet your business needs
Alerts and Campaigns
Efficient customer communication via SMS or E-mail
PersonalBanking
Enable mobile or web access for customers to transact and enquire anytime, anywhere.
Deploy an agent network to support low cost expansion of services
Agency Banking
Digital Field Application
Access your MIS/ERP/CRM from the field through use of mobile applications to digitize your operations
Web Front End
Deploy a web based front end for financial institutions that supports the full customer lifecycle
Issue and operate debit and credit cards, prepaid cards, etc.
Card Management
M-wallet
M-wallet system for banks, mobile operators or third party providers
ATM&POSManagement
Develop and operate your own ATM/POS network
Payment Gateway
Process payments between multiple entities with automated settlement + reconciliation
Integration Platform
Integrate with any type of 3rd party system
Biometrics
Capture, search and verify identity using biometrics
Anti-Money Laundering
Web based solution for monitoring, control and compliance
Supports reconciliation and settlement between multiple parties
Bank Reconciliation
Main Solutions
core framework
business logic business logic business logic
business logic business logic business logic
Business modules provide all the functionality and interoperate between each other as required per business solution
data source
data source
data source
third party
Provides all the middleware and core functionalities for our platform, taking care of security, data transformation and creating the foundation for our business services
Robust data and connectivity model that allows easy integration with other data sources, services and third party systems
Provides multiple delivery and access channels with reuse of common back-end functionality that enable for full customization, flexibility and interoperability while delivering great user experience and visual appeal
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MOBILE WEB ATM POS
UT Platform: High Level Overview
Solutions
Business Modules
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Business Modules Business Modules
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UT Platform
Core Functions Business Modules
Record Mgmt
Screen Configuration
Customer Management
Alerts & Notifications
Loan Management
Fees, Limits, & Commissions
User & Identity Mgmt
Document Management
Account Management
Task & Workflow
Transactions
Card Management
ATM Management
Anti-Money Laundering
Offline Operations
Advanced Reporting
DSS Transactions
POS Management
Web
Mobile App
USSD
SMS
POS
ATM
Basic reports
Multi Locale
Backup Mgmt
Audit, Logging, Monitoring
Integration
Access Channels
Solution Architecture
Manage a network of third party agents via a user-friendly mobile or web interface that isseamlessly integrated to facilitate transaction processing in real-time. Administrative portalsupports set up, operations and transparent monitoring.
Agency Banking
User + Identity Mgmt
Transactions
Fees, Limits, & Commissions
Customer Management
Alerts & Notifications
Document Management
Advanced Reporting
Task +Workflow
Loan Management
Anti-Money Laundering
Account Management
DSS Transactions
UT
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Web
Mobile App
USSD
POS
Offline Operations
POS Management
Core Modules Optional Modules
Agency Banking
Business Case
• Extend beyond the reach of a branch network• Mobilize more deposits• Offer more convenient access to clients• Opportunity for new revenue streams• Delegate account opening/customer registration
Sample Screens
Mobile application that enables organizations to digitize field operations by facilitating datacapture for a variety of financial and non-financial activities on a mobile device. Seamlessintegration with the CBS allows for streamline workflows and real time data syncing.
Digital Field ApplicationU
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Web
Mobile App
Core Modules Optional Modules
Loan Management
DSS Transactions
Transactions
Alerts & Notifications
Advanced Reporting
Task +Workflow
Anti-Money Laundering
Account Management
Offline Operations
Fees, Limits, & Commissions
User + Identity Mgmt
Loan Management
Customer Management
Document Management
Transactions
Digital Field Application
Business Case
• Eliminate paper forms and manual processes• Improve quality and accuracy of data capture• Increase productivity and efficiency of field staff• Transparent monitoring of field staff
• Remote account opening• Field savings operations - Susu savings• Loan origination
Sample Screens
Personal Banking provides customers with a convenient and secure access to manage their accountsand conduct transactions from their personal mobile device or computers. Personal banking is a self-service, device agnostic, channel that gives customers anytime, anywhere access to accountinformation and a defined set of financial and non-financial operations.
UT
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USSD
Mobile App
Core Modules Optional Modules
SMS
User + Identity Mgmt
Customer Management
Loan Management
Task +Workflow
Fees, Limits, & Commissions
Transactions
Alerts & Notifications
Document Management
Advanced Reporting
Anti-Money Laundering
Web
Account Management
Personal Banking
Personal Banking
Business Case
• Convenient 24/7 access to and for customers• Decrease branch congestion for basic transaction and enquiries• Opportunity for new revenue streams ie. bill pay, airtime purchase• Introduce new products and services ie. e-loan• Consolidate mobile and internet banking channels
Sample Screens
Web-based data capture solution that can be used to run a customizable set of functions in auser-friendly interface. Improves user experience and efficiency with streamlined workflows andconsolidated access to multiple systems.
Web Front EndU
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Web
Core Modules Optional Modules
User + Identity Mgmt
Loan Management
Customer Management
Alerts & Notifications
Advanced Reporting
Task +Workflow
Anti-Money Laundering
DSS Transactions
Document Management
Transactions
Account Management
Fees, Limits, & Commissions
Web Front End
Business Case
Sample Screens
• Consolidate access to multiple systems into single user interface• Operates on low bandwidth connection • Bring online mini-branches and remote operations• Increase oversight with maker/checker and task management• CBS independent
Integration platform that enables financial institutions to connect their systems to any thirdparty system including: Core Banking Systems, CRM, m-wallet providers, national switches,credit bureaus, airtime or utility company using a high performance Electronic Fund Transfer(EFT) switch.
Integration PlatformU
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Web
Mobile App
USSD
POS
Core Modules Optional Modules
User + Identity MgmtOffline
OperationsTask +Workflow
Fees, Limits, & Commissions
Transactions Advanced Reporting
Anti-Money Laundering
Alerts and Notifications
DSS Transactions
Integration Platform
Business Case
Sample Business Architecture
• Integrate with third parties to expand the range of services • Greater convenience for clients as a one-stop-shop for payments• Generate additional revenue by charging processing fees• Leverage networks of other banks with interbank integration• CBS independent
Standalone M-wallet solution that can be deployed either by a telco, third party or bank.Provides a range of flexible configuration to create and manage an m-wallet account eitherthrough CBS integration or standalone. Includes management interface as well as mobileapps for agents, merchants and customers.
Mobile Wallet
Core Modules Optional Modules
Web
Mobile App
USSD
POS
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User + Identity Mgmt
Fees, Limits, & Commissions
Customer Management
Alerts & Notifications
Advanced Reporting
Task +Workflow
Anti-Money Laundering
DSS Transactions
Account Management
Transactions
Document Management
Loan Management
POS Management
Mobile Wallet
Business Case
Sample Screens
• Meet demand for convenient money transfer and payment services• Open m-wallet account on mobile or offer wallet- savings linkage• Integrate with partners to create interoperable payment ecosystem• Merchant and agent management included as core• Admin portal to manage operations, pricing, monitoring, and reports
Provide remittance services both for customers and non customers through a branch andagent network. This solution can be standalone or embedded in agency banking, field datacapture or web front end.
Remittance Management
Web
Core Modules Optional Modules
Mobile App
USSD
UT
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User + Identity Mgmt
Fees, Limits, & Commissions
Customer Management
Alerts & Notifications
Advanced Reporting
Task +Workflow
Anti-Money Laundering DSS Transactions
Account Management
Transactions
Document Management
POS Management
Remittance Management
Business Case
Sample Screens
• Introduce a new money transfer product as an additional revenue stream • Flexible solution which can be either web based, mobile app or USSD• Can be either self service as part of mobile banking or over the counter
Capture and use biometric data for identification and authentication of users and clients aspart of operational or transactional workflow. Offered as an integrated module or standalone solution to increase security for operations such as withdrawal and money transfers.
BiometricsIn
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Mobile App
Core Modules Optional Modules
Web
ATM
User + Identity Mgmt
Customer Management
Alerts & Notifications
Advanced Reporting
Task +Workflow
Loan Management
DSS Transactions
Transactions
Account Management
Alerts & Notifications
Advanced Reporting
Task +Workflow
Loan Management
DSS Transactions
Account Management
Biometrics
Business Case
Sample Screens
• Identify clients quickly and conveniently without cards and PINs• Improve security of over the counter transactions to reduce risk• Secure system access to mitigate internal fraud with bio log in• Run deduplication routines as part of registration • CBS independent
Messaging platform that supports the design and management of notifications andcampaigns. Flexible settings allow users to configure messages using business triggers, filtersand schedules. Send messages to clients, prospects, and staff either SMS or email.
Alerts and Campaigns
User Administration
Alerts & Notifications
Customer Management
Task & Workflow Mgmt
Inte
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Mo
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Core Modules Optional Modules
Fees, Limits, & Commissions
Alerts and Campaigns
Business Case
Sample Screens
• Give clients piece of mind by notifying on all account activity• Improve portfolio quality by sending clients loan payment reminders• Generate additional revenue by offering SMS alerts as a service• Send clients promotional campaigns or product information• CBS independent and can be configured as a standalone system
Data warehouse extracts data from multiple sources including CBS, internal systems, publicsites to facilitate the analysis of information from a centralized set of information using arange of business intelligence tools. Users access the web-based tool via a secure log-in toview customizable dashboards and create reports using professional templates.
Data Warehouse & Business Intelligence
User Administration
Advanced reporting
Inte
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Mo
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Web
Core Modules Optional Modules
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Business Case
Sample Screens
• Data-driven analysis to make informed management decisions• Deliver accurate and relevant information at the right time• Monitor staff performance and return on investment• Understand big data with intuitive and informative dashboards• Identify organization’s strengths and weaknesses
Data Warehouse & Business Intelligence
Device management and monitoring tools to manage a network of ATMs and/or POSdevices. Fully integrated with HSM and Card Management for full service operations ofelectronic banking channel. Monitoring screens display the status of all devices.
ATM & POS Network ManagementIn
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ATM
POS
Core Modules Optional Modules
Mobile AppUser + Identity Mgmt
ATM Management
Alerts & Notifications
Advanced Reporting
Anti-Money Laundering
DSS Transactions
POS Management
Transactions
Fees, Limits, & Commissions
Card Management
Offline Operations
ATM & POS Network Management
Business Case
Sample Screens
• Expand the reach of services with secure and automated devices• Manage a proprietary network of ATM to offer 24/7 banking• Leverage “on-us” ATM network to avoid third party fees for clients• Customise client interaction according to workflow requirements • Distribute POS devices to retailer for more convenient payments
Card Management System that supports the full card life cycle from application to issuing,distribution and use of payment cards. All administrative functions, including reissue orclosure of the card supported through administrative portal.
Card ManagementIn
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Core Modules Optional Modules
Web
User + Identity Mgmt
Card Management
Alerts & Notifications
Advanced Reporting
DSS Transactions
Transactions
Fees, Limits, & Commissions
Customer Management
Account Management
Anti Money Laundering
Offline Operatinos
Mobile App
ATM
POS
Card Management
Business Case
Sample Screens
• Manage card services in house with user-friendly solution• Flexible card settings for fees and limits • Provide quality customer services and issue management• CBS independent• Option to configure as stand alone system for loyalty or gift cards.
Identify and prevent the risk of potential money launderers from using your system for illegalactivity. Supports screening activities from customer origination, supporting info for high risktransactions and all reporting and monitoring of suspicious transactions.
Anti-Money Laundering
User Administration
Transactions
Customer Management
Document Management
Inte
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Mo
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Web
Core Modules Optional Modules
Anti-Money Laundering
Anti-Money LaunderingBusiness Case
Sample Screens
• Satisfy regulatory requirements for KYC, control and compliance• Prevents banks from being used as a conduit for money laundering• Generate alerts for suspicious activities and minimize false alerts• Monitor all transactions and generate reports to analyse behaviour• Automates checking of external lists and databases
Flexibility
• Link to nlimiteddelivery channels and payment systems
• Modular& configurable settings
• Multi-lingual functionality
Affordability
• Streamlined workflows & automation
• Increased efficiency
• Additional revenue streams
Scalability
• Unlimited links to unlimited payment providers and devices
• Exponential scalability with linear investment
• Leverage existing infrastructure
Accessibility
• Enhance convenience for customer
• Empower users with appropriate tools
• Expand network with agents and retailers
Adaptability
• Easily adapt to changing technology platforms and standards
• Configure per business specific workflow
• Secure interface with the CBS
SG Solution Advantages
Thank you!
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System Architecture