Nasscom Foundation, February 15, 2008

Jonathan WeinsteinGlobal Head Products and Technology

An Overview ofInformation Technology in Microfinance

www.unitus.com 2

Why is this Guy Standing Here?

www.unitus.com 3

Extending to the Customer: IT in Microfinance

Today’s Solutions: Portfolio mgmt. to Commercial BankingKreditsSalesforce.comBanker’s RealmMifoseMergeEtc.

Loan Officer/Branch/AgentAutomation

(POS, Handheld)

Core System(“MIS”)

CustomerSelf-service

(Mobile Banking)

Today’s Solutions: GPRS-enabled devices

Sagem MonetelEtc.

Today’s Solutions: Mobile banking systems

GCash (Philippines)M-Pesa (var. Africa locations)A Little World (India)MChek (India)Etc.

www.unitus.com 4

Extending to the Customer: Challenges• How do we improve local deployment and support?

• How should MicroFinance processes adapt to IT?

• How do we overcome regulatory hurdles?

www.unitus.com 5

What Should I Be Thinking and Doing?• Invest ahead of the immediate opportunity

• Establish practices now• MFI business systems• POS device automation• Mobile solutions• “Rural supply chain”

• Support, invest in Rural BPO