james carter rural information services-ekgaon euroindia 2ndconference

8/7/2019 James Carter Rural Information Services-Ekgaon EuroIndia 2ndConference

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11th December 2009

www.ekgaon.com

Bridging the rural/urban divide using InformationCommunication Technology Enabled ServicesEuro-India ICT Cooperation conference, IMI, New Delhi,10 - 11 December 2009

James Carter, New Delhi, IndiaConsultant

Business Development


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About ekgaon

Leading Information and Communication Technology (ICT) and managementservices company

Working over several years across South Asian and African Markets

Innovating technologies and developing communication systems for enablingaccess to knowledge based services to rural areas

Head office in New Delhi India and regional office in South India (Madurai,Tamil Nadu), working through partners in Nepal, Sri Lanka & Africa

1ekgaon strives for community ownership in Enterprises, Media, Technology, Heritage, Finance, Development & Governance

Public-Private consortium for effective service delivery

Core aim of our systems and technologies is development of capacities andenabling greater ownership of producers in supply chains

Our efforts are aimed at providing best services at most economical cost to

rural clients. Consciously we try to evolve services model such thatintermediaries in higher value chain bear larger cost of service and not the endconsumer.


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Sectors Involved

Management Information Systems

Microfinance

Micro-Insurance

Agricultural Supply Chain

Enterprise Management

Knowledge Management

Technology Solutions

Mobile Based Secure Financial Transaction System

Mobile Based Locations Tracking System

Money Transfer - Remittance System

Banking Correspondent - Door to Door Banking

Point of Sale & Smart Card Systems


Other Areas

Strategic Consulting

Software Development

Interface TechnologiesIndian Language Solutions

Knowledge Based Services

Climate & Weather Information

Agro-Advisory Services

Alerts & Early Warning SystemRealtime Content Management System


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Recognition & Awards

The Dell Small Business Excellence Award honours businesses that applytechnology in innovative ways to improve the customer experience and grow.ek aon was chosen out of more than 5,000 applications and ten finalists as

India Winner 2009


winner in the India round.ekgaon is living proof that smart IT investments can not only pay off for thebusiness itself, but for their customers as well, said Ravi Bhardwaj, GeneralManager SMB, Dell India.

ekgaon is the first winner of the prestigious award from India, the award includes25,000 USD worth Dell products. ekgaon would represent India in a globalcompetition of Dell Small Business Excellence Award 2009, where finalist of allcountries from world would present their companies to an International Jury.


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Recognition & Awardsekgaon's co-founder/Director and Chief Executive

Officer, Vijay Pratap Singh Aditya, has been namedAshoka Lemelson Fellow in 2008. Ashoka Fellowsare fellows for life. The list includes leading socialentrepreneurs who are recognized to have evolvedinnovative solutions to social problems that have

potential to change patterns across society. AshokaFellows work in over 60 countries around the globe inevery area of human need. The list includes MuhammadYunus Founder, Grameen Bank in Bangladesh, Anil


grawa oun er, entre or c ence an nv ronmentin India, Victoria Hale - Founder, OneWorld Health in

USA, amongst others.

ekgaon's project Enabling financial

inclusion and increasing efficiency ofSelf Help Groups MicrocreditFederations, was awarded the firstStockholm Challenge GKP awards 2007in the Economic Development category.


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Providing Financial Services to Un-banked


a enges


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Problems & Requirement

Enabling secure door step financial services

Systems to be able to meet financial reporting standard of Central Bankand Service Banks

Current technologies for enabling financial transactions are expensiveand require regular maintenance and support

Management Information systems are not able to meet the growing


requ remen s o e sec or, o ena e pro uc an serv ce vers ca on

Affordable cost of ownership of system and technology

Standardised system compatible with

Policies, systems, operation standards

Banks operational framework


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OneMIS Solution

Uses Mobile based application and/or e-POS allowing them as a point of saledevice

Allows secured door-step services through Business Correspondents

Allows Business Correspondent authentication before service delivery

Allows client authentication before service delivery

Allows balance inquiry on client accounts on BC Mobile, Client Mobile, magneticor smart card through e-POS and as mini-statement using mobile or e-POS as


Mobile phone also works with portable thermal printer to deliver real-time receiptfor all transactions

Allows provisioning savings, credit, premium collection services

Is low on maintenance, training and support Is scalable and has scope of widening services enabled

Has low cost per transaction


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Technical Architecture for Door-Step Financial Service Delivery



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Client using OneMobile solution



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Products - Financial Services

Enterprise wide solution for MFI/Banks to manage microfinance clientportfolio including

Mobile application platform for enabling Financial service delivery

OneRemit


Mobile/Epos based technology solution for enabling remittance

OneScore

Scoring product for Retail microfinance clients (Under development)

OneNetwork

Franchisee centres for providing ekgaon servicesPartnership with NokiaSiemens Network & BSNL


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Microfinance Solution - Savings Service Module


Microfinance Solution - Savings service module allows savings collection at door step. After securityauthentication of client transaction is done using mobile camera. Savings collection module allows collection of

savings, value is confirmed and a transaction receipt is generated in realtime and handed over to client.


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Microfinance Solution - Savings, Mini statement & other applications


Microfinance Solution could allow multiple service delivery at door step. OneMIS solution would allow securedtransactions in realtime with server providing services like savings collections, loan repayment, remittances, Mini

Statement, Bill payment etc.


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Microfinance Solution - Middleware Application


Bank Microfinance solution would interface with OneMIS Data Integrator Application for backward integrationwith Banks Core Banking Solution. Data would be sent as SMS by mobile mobile phone to the OneMIS server

running middle ware application and connected to GSM Modem.


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OneMIS Application Modules



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OneMIS Application Modules



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Value Proposition of OneMIS solution

Instant Access to Information

Staff Monitoring

Control Over Cash

Increased availability of funds

Low Investment


ow ransac on os

Increases Transparency and Flexibility

Allows rating of client and portfolio on various social, financial andoperational performance criterion

Allows linking with Core Banking Solution of Banks


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Products - Agro-Advisory

ekgaon offers crop value chain advisory and information services to helpfarmers enhance productivity of their farms

Soil Nutrient Management Advisory Services

Crop Weather Alerts

Crop Market Prices, Commodities Futures* and Spot Prices*

Crop Disease Alerts


gr cu ture nance re t n ormat on

Agriculture Input Suppliers Information*

E-commerce Mandi*

* Proposed


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Products - Agro-Advisory


Four Day Weather Forecast for Farmers in Tamil Nadu


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For related inquiry please contact

Rohit Magotra, Chief Operating Officer

Community Finance UnitE 142 A, Lower Ground Floor, Kalkaji, New Delhi - 110 019, India

tel: +91 11 4055 1490 | fax: +91 11 4055 1491

email: [email protected] | web: www.ekgaon.com

Contact


Regional Office (South India)

Door No. 14/6, Opposite BSNL Exchange, Ellis Nagar, 20 Extension Road, Madurai - 625010, Tamil Nadu, India

tel: +91 452 4368094 | telefax: +91 452 2602433 | email: [email protected] | website: www.ekgaon.com

Registered Office

Ahmedabad, Gujarat, India


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www.ekgaon.com

james carter rural information services-ekgaon euroindia 2ndconference

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