Deliver Financial Services through a Combination of Distribution Channels

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1 Deliver Financial Services through a Combination of Distribution Channels

2 Agenda Panelist Introductions: Software Group Temenos MicroCred CRIF Decision Solutions Business Finance Consulting Value Chain Distribution Channels Technology in Use Open Discussion

3 Support activities Value Chain for Successful Distribution Business and Operations Consultant Solution Vendor / System Integrator CBS / MIS Vendor Marketing Branding Communications Distribution Technology Customer care Delivery channel network Applications platform CBS / MIS Primary activities

4 Financial Industry Trends Go Branchless, Go Mobile Constant touch with the customer Leverage 3rd party and own networks (Agents, Merchants, ATM, POS) Better and faster customer identification Leverage hardware improvements Leverage Mobile networks Increase security

5 Access to Distribution Channels Customer Employees Agents Smart App Browser based M Wallets Laptop Tablet Tablet USSD menu ATM Switch Internet Smart phone Java App Smart App Merchants SMS campaign $ Other Financial Institution SMS Centre SMS alert Push SMS MIS / CBS / ERP Own ATMs Own ATMs egov Headquarters

6 What to Consider What are your clients needs? What are the regulatory requirements and framework? What are the costs and benefits to adopting Electronic Banking? What are your strategic business goals? What infrastructure is available to leverage? What is your budget? What systems do you currently have in place? What in-house technical capacity is available? Who can you go to for support and services?

7 Use of Mobile technologies Transaction types: New Client Registration; Account Opening; Deposits / Withdrawals; Loan Applications; Loan Repayments; Balance Enquiry/Mini Statement; Money Transfer; Please select service. 1. Balance Inquiry 2. Information 3. Manage Bank Accounts 4. Bill payment 5. Topup 6. View Transactions 7. Change PIN 8. Albanian Answer Dismiss Cash in /out; Group transactions; GPS Mapping.

8 Use of ATM/POS Transaction types: Cash Withdrawals; Cardless Transactions; Balance Enquiry/Mini Statement; Cash Deposit; Fund Transfers; Payments.

9 Use of Internet Transaction types: Customer Enquiries; Accounts Management; Fund Transfers; Payments; Standing Orders; Direct Debits; Loan Applications.

10 Technology Based Solution Benefits Flexibility Affordability Scalability Accessibility Adaptability Link to unlimited delivery channels and payment systems Multi-lingual functionality Reduce operational costs through automation Introduce additional revenue streams Unlimited links to unlimited payment providers and devices Exponential scalability with linear investment Expand network with agents and retailers Enhance convenience by leveraging existing infrastructure Easily adapt to changing technology platforms and standards Easy customization to customer specific workflow

11 About Software Group Software Group is a privately owned specialized IT company focused on end-to-end solutions for the financial and retail sector. The company serves a worldwide client base from five main offices located in Bulgaria, Kenya, Ghana, Philippines and Mexico. The experienced company team of professionals has an outstanding track record of handling complex development projects. Software Group prides itself on delivering products and services which adhere to the principles of quality, transparency and affordability. Software Group provides solutions to a range of players in the financial and retail sector but focuses particularly on working with commercial banks, payment operators, mobile network operators, supermarket chains, microfinance institutions and investment / donor organizations.

12 SG Presence 97 full time employees 12 part time consultants 5 offices 15 partners offices Presence in 42 countries Sofia, Bulgaria Nairobi, Kenya Accra, Ghana Manila, Philippines Guadalajara, Mexico Baku, Azerbaijan Belfast, UK Bogota, Columbia Brisbane, Australia Chisinau, Moldova Jakarta, Indonesia Kampala, Uganda Khujand Tajikistan Lima, Peru Lusaka, Zambia Moscow, Russia Oslo, Norway Phnom Pen, Cambodia San Jose, Costa Rica San Salvador, El Salvador

13 Coverage Map With 5 main offices and 15 partner support offices we serve over 100 clients on 6 continents

14 THANK YOU FOR THE ATTENTION SG Headquarters, Europe & Central Asia: 115N, Tzarigradsko shosse blvd 1784, Sofia, Bulgaria Latin America: Av. Venustiano Carranza 1041 Zapopan, Jalisco, Sub-Saharan Africa: Suite 14, The Green House Ngong Road Nairobi, Kenya West Africa: Fayza Plaza 2nd Floor, app 3 Oyarifa Accra, Ghana Asia & Pacific: 3/F Unit 301 #3 Brixton Street Kapitolyo Pasig City 1603, Philippines info@softwaregroup-bg.com

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