Mobile financial services standalone system

FINCA DRC REQUEST FOR PROPOSAL FOR MOBILE FINANCIAL SERVICES STANDALONE SYSTEM

 

Introduction:

43.6 million Of Congolese adults that represents 53% of the population have mobile phones, which are used across a network that covers 20% of the country geography and 50% of the population.  Approximately 10.8 million Congolese adults are registered mobile money and of these only 1.6 million are active (90days).  As such, the mobile channel represents an opportunity for FINCA to have significant outreach in the country where the financial inclusion is still very low, only 11% of Congolese population have bank accounts.

There are five MNOs in DRC: Vodacom, Airtel, Orange, Tigo (it has been bought by Orange) and Africell but only four have a mobile money platform.  By partnering with one or all of these MNOs, FINCA will be able to extend the reach of its services to the entire Mobile money customer base.
Under the framework of a fully mature FINCA-MNO partnership, the mobile money users would have the ability to do the following via their mobile money accounts Via USSD.

Service Requirements:

FINCA like most of the other financial service providers is planning to invest in this channel and today.
Through this channel, Mobile money users and Agents will be able to access the following service:

I. Mobile savings and loans system  

The primary objective of this module is to enable FINCA DRC acquires a standalone system to manage the mobile savings and loans products from the front-end to the back-end. 

System

The scope for the Mobile savings and loan system is limited to deliver the Mobile Savings and Loans products via USSD and provide a back-end system to manage the products.

Products

1. Savings - Multiple Configurable Products

*   Possible product types (non-exhaustive)

*   Ability to automate account opening after transfer and validation of KYC from MNO database to the bank Mobile savings and loan database

* Ability to integration with the Mobile money system to do

* Parameterized interest calculation methods

* Parameterized interest payment methods

* Parameterized interest configuration

* Processing

* Taxation

* Ability to charge fees

* General

2. Lending - Multiple Configurable Products

* Loan product attributes

* Ability to integrate with the Mobile money system and credit scoring to handle

* Interest calculation parameterization
* Interest accrual
* Interest application
* Accounts for agents and customers
* Capacity to handle 10 million loans and above
* Ability to age Non Performing Loans
* Ability to automate the loan processing
* Ability to automate the disbursement
* Ability to automate the repayment on the due date from

* Ability to automate the loan collection process such as generate automatic SMS to customer and others

Reporting

* Savings

* Lending

Integrations

* Ability to integrate with the Mobile money system and MNO system based on APIs provided :

* Bulk uploads for updating GL in the core banking system (DRC is using currently the Orbit-R)

Security

Notes:

Please also include in your response:

* Proposed Product details

* Prior experience

Response Guidelines:

Deadline for Proposal Submissions:
The deadline for the submission of responses is: Friday, 28th July 2017 before 5 pm EAT.

Please email your technical and financial proposals to:
Tanya CARDOSO:  tanya.ndaya@fincadrc.com

It remains your responsibility to ensure that your electronic responses are received by FINCA before this deadline.

FINCA DRC reserves the right to reject any submissions received after this deadline.

Additional Information Requirements:
FINCA reserves the right to advise Bidders of additional requirements in writing (via e-mail) prior to the final submission date.

Detailed Business requirements documents are contained in the accompanying attachments.

 

 

Cliquez ici pour télécharger le document complet - format DOCX (MS Word)

Cliquez ici pour télécharger le dossier complet - format ZIP

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2024-03-28
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