temenos - technology-enabled financial inclusion solutions

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#17MCSumm it 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE Title Text here Murray Gardiner – Director of Community Banking at Temenos M-Shwari Mobile Banking

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Technology-Enabled Financial Inclusion Solutions 17th Microcredit Summit 2014 Summit

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Page 1: Temenos - Technology-Enabled Financial Inclusion Solutions

#17MCSummit

17TH MICROCREDIT SUMMITGENERATION NEXT: INNOVATIONS IN MICROFINANCE

Title

Text here

Murray Gardiner – Director of Community Banking at Temenos

M-Shwari Mobile Banking

Page 2: Temenos - Technology-Enabled Financial Inclusion Solutions

#17MCSummit

17TH MICROCREDIT SUMMITGENERATION NEXT: INNOVATIONS IN MICROFINANCE

Global reach - Temenos

Asia PacificAustraliaBangladeshChinaHong-KongIndiaIndonesiaJapanMalaysiaPakistanSingaporeTaiwanThailandVietnam

AmericasCanadaCosta RicaEcuadorMexicoUSA

Middle East & AfricaEgyptKenyaLebanonMoroccoSaudi ArabiaSouth AfricaUAE

EuropeBelgiumFranceGermanyGreeceKazakhstanLuxembourgNetherlandsRomaniaRussiaSpainSwitzerlandTurkeyUK

Our global network enables us to be close to our clients, understand their requirements and deliver solutions quickly and accurately

3,700 employees

57 offices

38 countries

Page 3: Temenos - Technology-Enabled Financial Inclusion Solutions

#17MCSummit

17TH MICROCREDIT SUMMITGENERATION NEXT: INNOVATIONS IN MICROFINANCE

M-Shwari Mobile Banking Numbers• Launched in Nov 2012• 3 million customers 5

months after launch• 100% STP• One single integration

hub• 70,000 subscribers on

day 1 of launch

Business benefits• Implementation time

reduced threefold; launched in only 5 months

• Commercial viability in less than half the time initially forecasted

MissionEmbracing and powering disruptive innovation to stay ahead in the digital age – the M-Shwari mobile bank in Kenya

Vision The most successful mobile bank in Africa with plans to expand to neighbouring countries

Page 4: Temenos - Technology-Enabled Financial Inclusion Solutions

#17MCSummit

17TH MICROCREDIT SUMMITGENERATION NEXT: INNOVATIONS IN MICROFINANCE

Page 5: Temenos - Technology-Enabled Financial Inclusion Solutions

#17MCSummit

17TH MICROCREDIT SUMMITGENERATION NEXT: INNOVATIONS IN MICROFINANCE

The technology

Page 6: Temenos - Technology-Enabled Financial Inclusion Solutions

#17MCSummit

17TH MICROCREDIT SUMMITGENERATION NEXT: INNOVATIONS IN MICROFINANCE

Integration framework:

Code-free design of interfaces to/from T24Exploitation of platform partner middlewareOut of the box model bank interfaces

CBA – M-Shwari Integrated 8 interfaces in 2 months.

Page 7: Temenos - Technology-Enabled Financial Inclusion Solutions

#17MCSummit

17TH MICROCREDIT SUMMITGENERATION NEXT: INNOVATIONS IN MICROFINANCE

Financial Event Side Effects

T24

Financial Event

To payment gateway

To back office

To front office

To risk

To data warehouse

To GL

We were developing six separate subsystems

Page 8: Temenos - Technology-Enabled Financial Inclusion Solutions

#17MCSummit

17TH MICROCREDIT SUMMITGENERATION NEXT: INNOVATIONS IN MICROFINANCE

Page 9: Temenos - Technology-Enabled Financial Inclusion Solutions

#17MCSummit

17TH MICROCREDIT SUMMITGENERATION NEXT: INNOVATIONS IN MICROFINANCE

Title

Text here

Murray Gardiner – Director of Community Banking at Temenos

Thank you