Ridge Tower Building, Sixth Avenue, Ridge-Accra, Ghana, West Africa. P.O. BOX CT 1003, Cantonments, Accra. Telephone: , fax:

Transcription

1 Ridge Tower Building, Sixth Avenue, Ridge-Accra, Ghana, West Africa. P.O. BOX CT 1003, Cantonments, Accra. Telephone: , fax:

2

3

4

5 G-Switch is a wholly owned division of Clydestone (Ghana) Limited. A twenty year old company listed company on the Ghana Stock Exchange, Clydestone provides solutions in the area of Payment Systems, Networking, Transaction Switching and Outsourcing, and is headquartered in Accra, Ghana. Clydestone s motto Innovate, Develop, Support is at the forefront of all our dealings with our customers. Over the years we have deployed Innovative solutions for our numerous clients, developed new products and found new ideas to help our clients solve their information technology challenges, and we have been at hand to support them over the years to ensure they derive maximum value from our supplied solutions. Innovate : To introduce new things,ideas, or ways of doing something Develop : To think or produce a new idea, product, etc and make it successful Support : To give or be ready to give help to. 3

6

7 B a c k g r o u n d G-switch, established by Clydestone, is an Electronic Payment Platform providing Transaction Switching, Third Party Processing and EFT hosting services to Banks, Independent Service Organizations (ISO s) and Micro Finance Institutions (MFI s). G-switch operates a secure, real-time, regulatory compliant processing platform located in Accra Ghana that utilizes state-ofthe-art technology. G-switch operates a local interbank switch under its brand name G-switch. Settlement of all G-switch local transactions is through the Ghana Interbank Payment and Settlement Systems Company (GhIPSS). G-switch is certified with China Union Pay (CUP), the Chinese Bankcard Association and is a Global Acquiring Partner for CUP. 5

8

9 S e r v i c e s G-Switch offers the following services: Card Issuing, Processing and Management Card Procurement and Personalization Card Hosting and Authorisation ATM Acquiring POS Acquiring Interbank Switching and Settlement China Union Pay Global Partner Micro Finance Services on Demand Mobile Banking Our services are tailored to offer our customers a unique one stop solution for all their card program s and transaction processing needs. Our 24/7 call centre ensures that we provide the best support at all times to our valued clients. 7

10

11 Card Issuing, Processing and Management G-Switch offers card issuing, processing and management to several financial institutions and private label card issuers. We provide our customer s access to our Card Management System through a Web based portal to allow them to interface with our Central Issuing System. We also provide in-house card issuing and management capability to customer that prefer to manage their issuing and Card production, but connect to us for card hosting and authorisation services. G-Switch processes all cards issued and hosted on behalf of our hosted institutions. We also process all cards for members of the G-Switch Network, Private Label Cards and cards supported by China Union Pay. Cards Supported are: Debit cards (Private Label, G-Switch, China Union Pay Debit Cards) Credit cards (CUP) Corporate cards Pre-paid cards (Prepaid Cards can be funded in advance by a consumer, a corporate, or a government entity) Internet cards Gift cards 9

12

13 Card Procurement and Personalization G-Switch provides card procurement and personalization services. Card design and Manufacture is coordinated with preferred local and International certified card suppliers. G-Switch also assist clients that prefer to personalize cards internally, by providing assistance with Card equipment acquisition, installation, interfacing and support. Our in house personalization bureau offers card personalization as well as Pin Mailer services. 11

14

15 Card Hosting and Authorisation G-Switch hosts and authorizes card transactions for all its hosted and connected institutions. Card Status Management: We provide management of card status and card activation. When a transaction is initiated, the status of the card is checked before the transaction is validated. Authorisation Services: This service enable G-Switch to act as a transaction authorizer using limits (known as velocities ) or available balances maintained in the G-Switch system. If an issuer remains the primary authorizer, G-Switch can forward transactions to the Issuer when it is available and authorize transactions when the issuer in unavailable(known as Stand-In ) PIN Management: This service determines the generation, validation and management of PINs associated with cards hosted in the G-Switch System. G-Switch supports full PIN verification and subsequent PIN changes. Card production file generation: G-Switch provides the services and configurations associated with the physical production of plastic cards, including both anonymous temporary cards as well as embossed individualized, permanent cards. 13

16

17 ATM Acquiring G-Switch offers ATM driving, management, and monitoring solutions for a wide variety of terminals. G-Switch ATM processing, supports directly driven ATMs, as well as advanced-functions ATMs. G-Switch supports most international ATM Brands. G-Switch ATM processing service offers the following transaction types: Cash Withdrawal Balance enquiry Mini Statement Funds transfer PIN Change (for G-Switch hosted cards) Bill payment Mobile electronic vouchers Monitoring and Support: G-Switch provides terminal management, allowing proactive, real-time monitoring of ATMs and network connections. In addition we provide support infrastructure to manage ATM availability. Our terminal monitor enables our support operators to view all terminals, connected to the G-Switch system. Monitoring can report on the cash levels at a particular ATM or on the status of a specific ATM. G-Switch provides support that caters for a large deployment of ATMs. All ATMs can be divided into regions, where each region is supported by a number of teams. 15

18

19 POS Acquiring G-Switch POS processing offers EMV compliant POS devices which are configured to support most international card brands. G-Switch deployed estate of POS devices acquire G-Switch transactions as well as China Union Pay transactions. G-Switch can also drive POS devices for member institutions on the G-Switch network. G-Switch POS processing offers the following transaction types: Purchase transaction Refund transaction Pre-authorisation Balance enquiry Deposit Prepaid airtime Bill payment 17

20

21 Interbank Switching and Settlement G-Switch Interbank Switching and Settlement offers members interbank transaction switching and settlement. G-Switch enables the member banks to share ATMs and POS deployed by each member bank. This ensures that their customers have access to a wider number of devices to transact on. Settlement of all transactions is through the Ghana Interbank Payment and Settlement Systems Company (GhIPSS) Transactions available on the interbank network include: ATM transactions Cash withdrawal Balance enquiry POS transactions: Purchase Refund Balance Enquiry 19

22

23 China Union Pay Global Partner China Union Pay (CUP) is the only Bankcard association in China. It is a shareholding financial service institution invested by over 80 domestic financial institutions with the approval of the State Council and the People s Bank of China. Established in March 2002 and headquartered in Shanghai, CUP has registered capital of RMB 1.65 billion and employs over 3000 people. Clydestone G-Switch signed a Global Partnership agreement with CUP in 2009 to expand the acceptance of CUP cards globally, particularly in Africa. Connectivity to CUP by G-Switch is through their international front end processing system in Hong Kong. G-Switch has completed and certified to CUP and has connected to local Banks in Ghana. G-Switch is in the process of connecting to Kenswitch the Interbank transaction switch in Kenya. This connection is to enable Kenyan banks on the Kenswitch network to acquire CUP transactions. For acquirers connected to G-Switch, they can acquire the following ATM transactions: Cash withdrawal Balance enquiry POS transactions: Purchase transaction Refund transaction Pre-authorisation Balance enquiry 21

24

25 Micro Finance Services on Demand G-Switch offers Application Service Provision (ASP) service to micro finance institutions (MFI s). The service provides Core Banking Application and switching for POS and Mobile reach devices. This enable MFI s to focus their technology budgets on competitive advantage rather than infrastructure. The service affords the following: No Capital Investments No Installation required Plug & Play Web-based access 24 x 7 Accessibility No technical expertise required 23

26

27 Mobile Banking For Banks: This application is designed to allow your bank officers to perform banking transactions out in the field. Custom authentication can be done via signature/photographs or via our bio metric utilities. It works on any Java phone and connects to the core banking database through a secured channel over the GPRS/EDGE communication network. Software can be integrated to any legacy core banking / micro finance core system. The system is highly customizable to cater for any changes that the business may require without any development efforts and can be managed inhouse. 25

28

29 Features : System settings Authentication Printing Loan calculation Inbuilt mini database 3DES Encryption Modules : Account opening Loan application Loan Disbursement Cash deposits/withdrawals Cheque deposits/withdrawals Funds transfer Remittances Photograph and signature Bio metrics Mini Statement Mobile air time purchase Utility payments Product information Printing We generate two receipts for the customer and for the operator using the Bluetooth printer for every successful transaction made. At times of print action failure the receipt data is saved in the inbuilt database for future use. Apart from transaction receipts, a breakdown from loan calculator, customer balances and mini statements can be also printed. The database is used to save information that will be needed in the future. For example system settings, pending print jobs and so on. 27

30

31 Mobile Banking For Customers This software is designed for your customers to take full control of their bank accounts using their mobile phone. The software provides full m-commerce business operations so that your customers can use their mobile device to perform their banking business at the touch of a button. Modules : Balance inquiry Mini Statement Statement request Stop payments request Other Accounts Transfers Mobile Money A/C Transfer Fixed deposit details Loan account details Current rates Bank product details Stock exchange rates Event Based Alerts Triggers Card block request Miscellaneous Messages Features: Multiple bank support Multi-device support Security Loan calculation Multi platform support Scalability and reliability Operates on GSM and CDMA. 29

32

33

34