Building Successful Partnership for Mobile Banking Launch

Software Group is a privately owned specialized IT company focused on end-to-end solutions for the financial sector that provides products and services that aim to strengthen the financial sector as a whole.

The company serves a worldwide client base from four main offices located in Bulgaria, Kenya, Ghana and Philippines.

Software Group prides itself on delivering products and services which adhere to the principles of quality, transparency and affordability.The company’s experienced team of professionals has an outstanding track record of handling over 95 complex development projects.

Software Group’s customer base includes:Microfinance InstitutionsCommercial banksPayment operators Mobile network operatorsNon-cash Businesses

About Software Group

Global Presence

67 full time

employees

4 part time

consultant

s

15 partners

offices

4 offices Presence in

31

countries

Management Information Systems(Core Banking Systems) Assessments, selections, implementations, audit, enhancements, support

Reporting and analysis toolsProducts, design, development, implementation, support

Mobile banking and M-WalletProducts, design, development, implementation, integrations

Delivery channels and agent networksDesign, development, implementation, utilities building

IntegrationsDesign, development, implementation, support

End-to-end Solutions

Value Chain for Mobile Payments

License acquisition, regulatory engagement and compliance

Float holding

Cash-in/ cash-out network

Technology Customer care

Product and business development

Liquidity management (superagancy)

Branding

Communications

Support

act

ivit

ies

Transactional platform

Access to the handset

Primary activities

The Mobile Money Value Chain

• MFI > product development, marketing, agent network, internal operations, customer care

• Transactional platform (mVISA)• Regulator (Central Bank of

Rwanda)

Mobile Banking PartnershipCase Study

Supported by

• Technology Consultant & System Integrator

• Business & Operations Consultant

SG Role and Main Project Activities

Required Deliverables

(Functionalities)

• Integration with VISA systems: • VMMS - online real time integration to process all

incoming /outgoing transaction requests• CRM - to process all client and agent

registrations• Data Warehouse - to gather all reporting

information• Single customer registration for mobile banking

services• UOB back office support – integration to bank’s

systems• Web-based front end to manage agents and

customers• SMS alerts and notifications platform

Products and Services Provided

• UT Route• UT NET• UT SMS• Integration services• Implementation services

Solution Architecture

Results & Challenges

First results:

• New attractive and innovative services were launched on Rwanda market by UOB

• VISA has been able to overcome lack of access to physical bank branches and start working across different financial institutions and mobile networks

• The project was done within the budget

Main challenges:• Define business requirements at initial stage and not

change them in the course of project implementation• Establish active and effective communication between all

project stakeholders to deliver timely results

www.softwaregroup-bg.cominfo@softwaregroup-bg.com

Asia & Pacific:3/F Unit 301 #3 Brixton Street Kapitolyo Pasig City 1603, Philippines +63 917 863 2752

Sub-Saharan Africa:Suite 14, The Green House Fayza Plaza 2nd Floor, Apartment No.3 +233 302 975617

Thank you for the attentionSG Headquarters,

Europe & Latin America:115 N, Tzarigradsko shosse blvd1784, Sofia, Bulgaria+359 2 923 17 83

West Africa:Fayza Plaza 2nd Floor, Apartment No.3 Oyarifa Accra, Ghana +233 302 975617

Back up slides

Building a Business Case for IT Solutions

What are the challenges, needs and strategic goals of the client organization?• Defined by business operations team• Competitive Analysis (SWOT)

What are the needs and circumstances of the end user?• Informed by market research• Client surveys

What are the limitations or opportunities in the regulatory environment?• Informed by market research • Conversations with regulators

What are the limitations or opportunities of the present company IT architecture?• Informed by Technical department• External expertise provided by consultants or potential vendors

What is the appropriate IT architecture solution?

UT Route EFT Switch

UT Link EFT Bridge

UT ID Card Management System

UT Net Web front end for banking system

UT SMS SMS alerts application

UT Mobile

Mobile banking / M-wallet application

UT Bio Biometric authentication

And more

Mirrors Data Warehouse

i-Track GPS tracking system

Product Portfolio