Smart Cashless Solutionsfor a Cashlite World

Who We Are

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Vision

Mission

Corporate Profile

Tangazoletu is a client-centric, Kenyan ICT firm that de-velops ICT solutions that automate business processes in every sector of the economy to promote efficiency, sus-tainable innovation, and best practice.

We are also a trend setter in mobile solutions used by mil-lions of Kenyans, every day and are licensed by Commu-nication Authority to provide premium rate and content services.

Using creative and pioneering technologies, we have used ICT to create solutions to business process challenges, transform different business and economic sectors such as mobile banking, micro-finance, health, distribution and retail.

To create a seamlessly connected world using ICT & Mo-bile Solutions.

We develop and provide innovative, versatile and reliable ICT & Mobile Solutions that empower our customers to achieve efficiency, productivity and convenience.

Core ValuesExcellence We endeavor to provide high quality products and services at all times.

Integrity We have made honesty and sincerity integral parts of our operations. We uphold this through strict adher-ence to the moral principles of honesty, trust, equity and transparency in all dealings and relationships.

Creativity and InnovationWe design and develop cutting edge products and ser-vices in Mobile Finance Solutions and ICT to enhance convenience, efficiency and effectiveness.

Client CentricWe listen and work with clients to design, develop and deliver responsive in Mobile Finance Solutions & ICT solutions.

TeamworkWe undertake all our business using joint effort with-in and with our partners.

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Products and Services

Tangazoletu Limited

Here are some of the projects that we have handled satisfactorily for various clients and partners;

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SpotCash Mobile banking services

SpotCash is a Tangazoletu Mobile Banking platform used by more than 30 formal and registered financial institutions ranging from Banks, Microfinance Insti-tutions and SACCOs in Kenya. The solution integrates to core banking systems, tele-communication companies infrastructure and mobile money transfer systems to offer services such as Bal-ance enquiry, cash withdrawal, cash deposit, loan application, loan disbursement, loan repayment, share purchase among others to our over 600,000 members registered. We are also the Biggest Sacco Aggregator in Kenya

SpotCash Mobile Banking systemOver 30 independent financialinstitutions

SpotCash Agent is a banking solution that gives you access to your FOSA account and the full range of banking services that your Sacco would normal-ly provide through Sacco rep-resentatives or agents, without having to visit your Sacco.

Services offered at Spot-Cash Agent:• Withdrawals • AirtimePurchase• Deposits• MiniStatements• BalanceInquiry

02 SpotCash Agent BankingFinancial institutions

Corporate Profile04

05Description of project/engagement

Tangazoletu built Sure Pay – a vouchermanagementsystemforSafaricomMPesacorporatecustomers

SurePayfacilitatesapaymentsanddisbursementecosystem in a controlled manner that will incorporate all M-PesaservicesincludingC2B,B2CandLipaNaMPesausage.

Development of a voucher management system (Sure Pay)

Safaricom Voucher Management System (Sure Pay)SafaricomLimited

System UserDonor

BeneficiaryService Provider

04 M-PesaSafaricomLimited

In recognition of our experience and credentials for forward thinking and transformational innovations, we have become one of Safaricom’s strongest part-ners of in development of strategic products and ser-vices such as:

Lipa Na M-PESAA platform that allows buyers to pay traders for goods and services using their mobile phones.

M-PESA onlineAn online checkout platform that allows buyers to pay vendors for their goods & services

M-PESA Agent self-reversal systemThis facility allows MPesa Agents to retrieve cashsent to a wrong number from the agents mobile phone, without involving Safaricom customer care department.

M-PESA data bundles purchaseThis allows users to purchase data bundles for their mobile phoneusingM-PESA. Automation of M-PESA Business to Customer (B2C) and Customer to Business (C2B)integration interfaces which enables automatic payment of bills andservicesusingPayBill.Someofthemajorservicesrunningon this interface includeKenyaAirways,NSSF,KPLC,someoftheleadingbanksandDSTVamongothers.

M-PESA Voucher System (SurePay)This is a service used by NGOs and public programmes thattarget vulnerable, poor or special groups to disburse funds that should be used only for specific services e.g. medicine or food.TheserviceoperatesusingM-PESAwalletsthatcanonlybeusedonthespecifiedservices.(Detailedexplanation&Info-graphic on the next slide)

M-PESA development and technology partner

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SpotCash Core Banking is an integrated, compre-hensive, cost effective and user friendly bank grade SACCOCoreBankingandManagementsolution/ERPthat is highly favored by institutions with a vision of growth & efficiency. It is also:

Development of a comprehensive Core Banking and ERP Solution for Saccos and MFIs.

SpotCash Core BankingFinancial Institutions

.TriedandtestedinAustralia,Africa,Europe,USA,Asiainover300 institutions.Followsacceptedglobalbestbankingpractices–internationalcode of banking. Brings you anytime anywhere banking convenience. Can be used to run the back office, front office or both. Can support . From 50 to over 1 Million Members . 1 to 300 interconnected branches . 3 to 1,000 staff

You can make multiple payments of up-to KES 70,000 at a go You’ll have to approve payments before they are disbursed Access to reports for multiple payments made over time Do away with the complexity and cost of making multiple small denomination payment through a Bank You wont feel insecure while handling lots of cash meant for multiple payments You will not incur high costs for security guards/Cash inTransit every time you have to make payments

Why do I need Spotpay? 04 What isSpotPay?

How does SpotPaywork?

SpotPay is a creative payment solution to make simple, easypayments.

Step 1: Enter names, telephone numbers and amounts being paid on an excel sheet Step 2: Uploads the excel sheet into the system for verification Step 3: The supervisor approves the payments online Step 4: Money disbursed at the click of the mouse button Step 5: Recipients will have moneyin their e wallet in a minute.

What’s the scenario likebefore SpotPay?

Cumbersome and tiring process for managers Frustrating wait by workers High cost for Courier services High cost for armed security guards Tiresome and exhausting procedure Payment mode is still error pronePoor Documentation and receipting of payments

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Tangazoletu Limited 05

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Tangazoletu supplied and Installed ElectronicHealthRecordSystemhardwareinselectHealthFacilities in Baringo and Machakos counties for the WHO.

The regional hospital, 3 health centers and 3 dis-pensaries in each county received the necessary

Supply & Installation of Electronic Health Record Systems HardwareWorld Health Organization

Spot Pay - Multiple Payments PlatformOrganizationsMakingMultiplePayments

Hardware, Wireless connectivity, installation and support for theElectronicHealthRecordsSystem. UsersofthesystemincludetheMinistryofHealth(MOH)andthehealth facilities involved.

Corporate Profile06

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Tangazoletu was engaged in the development of an online portal and solution for TIBU Finance & Pay-ment management system including integration with MobilepaymentthroughM-PESA.

TIBU is a data collection, submission, group reportprocessing, finance and payment solution used in monitoring and evaluation functionality in TB care within the Ministry of Health Services in Kenya.

TB Accelerated Response and Care – TB-ARC (5year) projected

TangazoletuLtdwillprovideservicesforthedesign,developmentandimplementationoftheTIBUsystem.In addition, we will provide technology solutions to support project operations.

TIBUMinistry of Health–DivisionofLeprosyTBandLungDiseasethrough the USAID Kenya funding

TB-ARCUSAID Kenya, Center for Health Solutions,MinistryofHealth,Divi-sionofLeprosy,TBandlungdisease

10 Development of Mobile Virtual bank accounts, Micro-Savings and Micro-Lending capable platform.

NIC SASA

NIC BANK

Tangazoletu has developed a platform that enables financial institutions to provide micro-savings and micro-lending to willing customers on their mobile phones. The platform has the following key modules:

a. Mobile self registration moduleThrough the use of a USSD menu, the platform provides for mobile self registration / sign up and automatic virtual account creation within the financial institution. The willing customers are taken through a KYC process to collect data on account opening. Once successfully submitter, mobile virtual accounts are created and tagged to the new customer

b. Mobile SavingsOnce registered, members who are willing are able to start making savings to their virtual account through mobile money. The funds deposited to the financial institution form savings which the member can withdraw based on the financial institutions preference.

c. Mobile lendingThis module enables customers / account holders to be able to borrow money from the financial institution. A credit scoring algorithm is invoked to assist with appraisal of the customer and arrive at thresholds of what amounts would be extended to the customer. Once appraised and approved (automatically) the funds are disbursed to the customer on their mobile money wallet.

11 Mobile Micro Payments Platform for emerging and growingmarkets

XIP POS

Tangazoletu Ltd.

This is a platform that Tangazoletu developed to unlock the potential of Mobile Micro payments in the emerging and growing markets. It consists of an NFC enabled Mobile Point of Sale (MPOS) Device issued to merchants as well as tags issued to consumers to enable payments. The tags work as an extension to mobile wallets enabling a customer to be identified using the tag at a merchants site. The NFC POS device is attached to a merchant (bank) account and enables a merchant to receive his money directly into their bank account upon completion of a transaction. The device and tags are low cost and portable enabling the scalability of the service to merchants and consumers with ease.

XIP MPOSDevice

XIP Tag

08 Development of Mobile Virtual bank accounts, Micro-Savings and Micro-Lending capable platform.

MICRO SAVINGS & LENDING

Tangazoletu Limited

Tangazoletu has developed a platform that enables financial institutions to provide micro-savings and micro-lending to willing customers on their mobile phones. The platform has the following key modules:

a. Mobile self registration moduleThrough the use of a USSD menu, the platform provides for mobile self registration / sign up and automatic virtual account creation within the financial institution. The willing customers are taken through a KYC process to collect data on account opening. Once successfully submitter, mobile virtual accounts are created and tagged to the new customer

b. Mobile SavingsOnce registered, members who are willing are able to start making savings to their virtual account through mobile money. The funds deposited to the financial institution form savings which the member can withdraw based on the financial institutions preference.

c. Mobile lendingThis module enables customers / account holders to be able to borrow money from the financial institution. A credit scoring algorithm is invoked to assist with appraisal of the customer and arrive at thresholds of what amounts would be extended to the customer. Once appraised and approved (automatically) the funds are disbursed to the customer on their mobile money wallet.

09 Mobile Micro Payments Platform for emerging and growingmarkets

XIP POS

Tangazoletu Limited.

This is a platform that Tangazoletu developed to unlock the potential of Mobile Micro payments in the emerging and growing markets. It consists of an NFC enabled Mobile Point of Sale (MPOS) Device issued to merchants as well as tags issued to consumers to enable payments. The tags work as an extension to mobile wallets enabling a customer to be identified using the tag at a merchants site. The NFC POS device is attached to a merchant (bank) account and enables a merchant to receive his money directly into their bank account upon completion of a transaction. The device and tags are low cost and portable enabling the scalability of the service to merchants and consumers with ease.

XIP MPOSDevice

XIP Tag

11 Mobile Micro Payments Platform for emerging and growingmarketsTangazoletu Ltd.

10 Microfinance & Group Savings and Management Platform

This platform provides an appropriate way of enabling group banking. Financial institutions are able to recruit groups of individuals who come together to save together. Both group and individual contributions are captured into the banking platform. This information is more often thereafter used to enable the group members to borrow money on the strength of their group members. The platform can be configured to enable multiple products on the group modality.

MOBILE GROUP BANKING

Tangazoletu Limited

10 Development of Mobile Virtual bank accounts, Micro-Savings and Micro-Lending capable platform.

NIC SASA

NIC BANK

Tangazoletu has developed a platform that enables financial institutions to provide micro-savings and micro-lending to willing customers on their mobile phones. The platform has the following key modules:

a. Mobile self registration moduleThrough the use of a USSD menu, the platform provides for mobile self registration / sign up and automatic virtual account creation within the financial institution. The willing customers are taken through a KYC process to collect data on account opening. Once successfully submitter, mobile virtual accounts are created and tagged to the new customer

b. Mobile SavingsOnce registered, members who are willing are able to start making savings to their virtual account through mobile money. The funds deposited to the financial institution form savings which the member can withdraw based on the financial institutions preference.

c. Mobile lendingThis module enables customers / account holders to be able to borrow money from the financial institution. A credit scoring algorithm is invoked to assist with appraisal of the customer and arrive at thresholds of what amounts would be extended to the customer. Once appraised and approved (automatically) the funds are disbursed to the customer on their mobile money wallet.

11 Mobile Micro Payments Platform for emerging and growingmarkets

XIP POS

Tangazoletu Ltd.

This is a platform that Tangazoletu developed to unlock the potential of Mobile Micro payments in the emerging and growing markets. It consists of an NFC enabled Mobile Point of Sale (MPOS) Device issued to merchants as well as tags issued to consumers to enable payments. The tags work as an extension to mobile wallets enabling a customer to be identified using the tag at a merchants site. The NFC POS device is attached to a merchant (bank) account and enables a merchant to receive his money directly into their bank account upon completion of a transaction. The device and tags are low cost and portable enabling the scalability of the service to merchants and consumers with ease.

XIP MPOSDevice

XIP Tag

08 Development of Mobile Virtual bank accounts, Micro-Savings and Micro-Lending capable platform.

MICRO SAVINGS & LENDING

Tangazoletu Limited

Tangazoletu has developed a platform that enables financial institutions to provide micro-savings and micro-lending to willing customers on their mobile phones. The platform has the following key modules:

a. Mobile self registration moduleThrough the use of a USSD menu, the platform provides for mobile self registration / sign up and automatic virtual account creation within the financial institution. The willing customers are taken through a KYC process to collect data on account opening. Once successfully submitter, mobile virtual accounts are created and tagged to the new customer

b. Mobile SavingsOnce registered, members who are willing are able to start making savings to their virtual account through mobile money. The funds deposited to the financial institution form savings which the member can withdraw based on the financial institutions preference.

c. Mobile lendingThis module enables customers / account holders to be able to borrow money from the financial institution. A credit scoring algorithm is invoked to assist with appraisal of the customer and arrive at thresholds of what amounts would be extended to the customer. Once appraised and approved (automatically) the funds are disbursed to the customer on their mobile money wallet.

09 Mobile Micro Payments Platform for emerging and growingmarkets

XIP POS

Tangazoletu Limited.

This is a platform that Tangazoletu developed to unlock the potential of Mobile Micro payments in the emerging and growing markets. It consists of an NFC enabled Mobile Point of Sale (MPOS) Device issued to merchants as well as tags issued to consumers to enable payments. The tags work as an extension to mobile wallets enabling a customer to be identified using the tag at a merchants site. The NFC POS device is attached to a merchant (bank) account and enables a merchant to receive his money directly into their bank account upon completion of a transaction. The device and tags are low cost and portable enabling the scalability of the service to merchants and consumers with ease.

XIP MPOSDevice

XIP Tag

11 Mobile Micro Payments Platform for emerging and growingmarketsTangazoletu Ltd.

10 Microfinance & Group Savings and Management Platform

This platform provides an appropriate way of enabling group banking. Financial institutions are able to recruit groups of individuals who come together to save together. Both group and individual contributions are captured into the banking platform. This information is more often thereafter used to enable the group members to borrow money on the strength of their group members. The platform can be configured to enable multiple products on the group modality.

MOBILE GROUP BANKING

Tangazoletu Limited

Tangazoletu Limited 07

THE REAL

to bank your money and pay yourutility bills through your phone

withdraw or Deposit cash anytime,anywhere

Convenient Way

MOBILE BANKING

to transact your money to and from yourBanking Institution

A WORLDEnjoy hassle free Banking activitiesOF POSSIBILITIES

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