SG company presentation March 2016 v4

Company Profile

March 2016

Software Group is an advanced technology company focused on end-to-end solutions for the financial and retail sector.

The experienced team of professionals iscommitted to the efficient delivery of innovative solutions and 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.

About Software Group

Vision, Mission and Values

210+ full timeemployees

200+ delivered

projects

14 partner supportoffices

• Brisbane, Australia• Sofia, Bulgaria• Accra, Ghana• Trichy, India• Nairobi, Kenya• Guadalajara, Mexico• Manila, Philippines• Cairo, Egypt

8 offices

• Baku, Azerbaijan• Bogota, Columbia• Brisbane, Australia• Chisinau, Moldova• Dhaka, Bangladesh• Islamabad, Pakistan• Jakarta, Indonesia• Lima, Peru• Moscow, Russia• Denver, Colorado• Oslo, Norway• Phnom Pen, Cambodia• San Jose, Costa Rica• San Salvador, El Salvador

Presence in 50+ countries

Key numbers

Primary Market

Our primary market are MFIs and Savings Groups. Being among the leading global vendors for delivery channel solutions, we elevate their operations with our unparalleled expertise in the microfinance domain.

The world's "unbanked" population shrank by 20 % to 2 billion adults between 2011 and 2014 as 700 million gained access to financial services.

2Source: THE GLOBAL FINDEX DATABASE 2014 by the World Bank

Banking Sector Telecommunication

Software Group’s products and solutions are tailored to meet the complete range of the three sectors’ technology needs

Payment Processors

Secondary Market

Software Group’s Customers

We serve over 100 clients on 6 continents

IT StrategyConsultancy, assessments, selections, implementations, audit, enhancements, support

Delivery Channels and Agent NetworksDesign, development, implementation, utilities building

IntegrationsDesign, development, implementation, support

Mobile Banking and M-WalletProducts, design, bespoke apps development, implementation, integrations

Reporting and Analysis ToolsProducts, design, development, implementation, support

Products, Services and Solutions

Product Portfolio

EFTSwitch

EFTBridge

Web front-endfor banking system

Mobile banking/M-wallet application

SMS messagingand alert platform

Card Management System

Biometricauthentication

Data Warehouse

Full support of non-account money transfers including agency management

Remittance Management

Data Warehousing

Same data different view, extract and deliver reports that meet your business needs

Alerts and Campaigns

Efficient customer communication via SMS or E-mail

PersonalBanking

Enable mobile or web access for customers to transact and enquire anytime, anywhere.

Deploy an agent network to support low cost expansion of services

Agency Banking

Digital Field Application

Access your MIS/ERP/CRM from the field through use of mobile applications to digitize your operations

Web Front End

Deploy a web based front end for financial institutions that supports the full customer lifecycle

Issue and operate debit and credit cards, prepaid cards, etc.

Card Management

M-wallet

M-wallet system for banks, mobile operators or third party providers

ATM&POSManagement

Develop and operate your own ATM/POS network

Payment Gateway

Process payments between multiple entities with automated settlement + reconciliation

Integration Platform

Integrate with any type of 3rd party system

Biometrics

Capture, search and verify identity using biometrics

Anti-Money Laundering

Web based solution for monitoring, control and compliance

Supports reconciliation and settlement between multiple parties

Bank Reconciliation

Main Solutions

core framework

business logic business logic business logic

business logic business logic business logic

Business modules provide all the functionality and interoperate between each other as required per business solution

data source

data source

data source

third party

Provides all the middleware and core functionalities for our platform, taking care of security, data transformation and creating the foundation for our business services

Robust data and connectivity model that allows easy integration with other data sources, services and third party systems

Provides multiple delivery and access channels with reuse of common back-end functionality that enable for full customization, flexibility and interoperability while delivering great user experience and visual appeal

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MOBILE WEB ATM POS

UT Platform: High Level Overview

Solutions

Business Modules

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Business Modules Business Modules

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UT Platform

Core Functions Business Modules

Record Mgmt

Screen Configuration

Customer Management

Alerts & Notifications

Loan Management

Fees, Limits, & Commissions

User & Identity Mgmt

Document Management

Account Management

Task & Workflow

Transactions

Card Management

ATM Management


Offline Operations

Advanced Reporting

DSS Transactions

POS Management

Web

Mobile App

USSD

SMS

POS

ATM

Basic reports

Multi Locale

Backup Mgmt

Audit, Logging, Monitoring

Integration

Access Channels

Solution Architecture

Manage a network of third party agents via a user-friendly mobile or web interface that isseamlessly integrated to facilitate transaction processing in real-time. Administrative portalsupports set up, operations and transparent monitoring.

Agency Banking

User + Identity Mgmt

Transactions


Customer Management


Document Management

Advanced Reporting

Task +Workflow

Loan Management


Account Management

DSS Transactions

UT

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Web

Mobile App

USSD

POS

Offline Operations

POS Management

Core Modules Optional Modules

Agency Banking

Business Case

• Extend beyond the reach of a branch network• Mobilize more deposits• Offer more convenient access to clients• Opportunity for new revenue streams• Delegate account opening/customer registration

Sample Screens

Mobile application that enables organizations to digitize field operations by facilitating datacapture for a variety of financial and non-financial activities on a mobile device. Seamlessintegration with the CBS allows for streamline workflows and real time data syncing.

Digital Field ApplicationU

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Web

Mobile App


Loan Management

DSS Transactions

Transactions


Advanced Reporting

Task +Workflow


Account Management

Offline Operations



Loan Management

Customer Management

Document Management

Transactions

Digital Field Application

Business Case

• Eliminate paper forms and manual processes• Improve quality and accuracy of data capture• Increase productivity and efficiency of field staff• Transparent monitoring of field staff

• Remote account opening• Field savings operations - Susu savings• Loan origination

Sample Screens

Personal Banking provides customers with a convenient and secure access to manage their accountsand conduct transactions from their personal mobile device or computers. Personal banking is a self-service, device agnostic, channel that gives customers anytime, anywhere access to accountinformation and a defined set of financial and non-financial operations.

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USSD

Mobile App


SMS


Customer Management

Loan Management

Task +Workflow


Transactions


Document Management

Advanced Reporting


Web

Account Management

Personal Banking

Personal Banking

Business Case

• Convenient 24/7 access to and for customers• Decrease branch congestion for basic transaction and enquiries• Opportunity for new revenue streams ie. bill pay, airtime purchase• Introduce new products and services ie. e-loan• Consolidate mobile and internet banking channels

Sample Screens

Web-based data capture solution that can be used to run a customizable set of functions in auser-friendly interface. Improves user experience and efficiency with streamlined workflows andconsolidated access to multiple systems.

Web Front EndU

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Web



Loan Management

Customer Management


Advanced Reporting

Task +Workflow


DSS Transactions

Document Management

Transactions

Account Management


Web Front End

Business Case

Sample Screens

• Consolidate access to multiple systems into single user interface• Operates on low bandwidth connection • Bring online mini-branches and remote operations• Increase oversight with maker/checker and task management• CBS independent

Integration platform that enables financial institutions to connect their systems to any thirdparty system including: Core Banking Systems, CRM, m-wallet providers, national switches,credit bureaus, airtime or utility company using a high performance Electronic Fund Transfer(EFT) switch.

Integration PlatformU

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Web

Mobile App

USSD

POS


User + Identity MgmtOffline

OperationsTask +Workflow


Transactions Advanced Reporting


Alerts and Notifications

DSS Transactions

Integration Platform

Business Case

Sample Business Architecture

• Integrate with third parties to expand the range of services • Greater convenience for clients as a one-stop-shop for payments• Generate additional revenue by charging processing fees• Leverage networks of other banks with interbank integration• CBS independent

Standalone M-wallet solution that can be deployed either by a telco, third party or bank.Provides a range of flexible configuration to create and manage an m-wallet account eitherthrough CBS integration or standalone. Includes management interface as well as mobileapps for agents, merchants and customers.

Mobile Wallet


Web

Mobile App

USSD

POS

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Customer Management


Advanced Reporting

Task +Workflow


DSS Transactions

Account Management

Transactions

Document Management

Loan Management

POS Management

Mobile Wallet

Business Case

Sample Screens

• Meet demand for convenient money transfer and payment services• Open m-wallet account on mobile or offer wallet- savings linkage• Integrate with partners to create interoperable payment ecosystem• Merchant and agent management included as core• Admin portal to manage operations, pricing, monitoring, and reports

Provide remittance services both for customers and non customers through a branch andagent network. This solution can be standalone or embedded in agency banking, field datacapture or web front end.


Web


Mobile App

USSD

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Customer Management


Advanced Reporting

Task +Workflow

Anti-Money Laundering DSS Transactions

Account Management

Transactions

Document Management

POS Management


Business Case

Sample Screens

• Introduce a new money transfer product as an additional revenue stream • Flexible solution which can be either web based, mobile app or USSD• Can be either self service as part of mobile banking or over the counter

Capture and use biometric data for identification and authentication of users and clients aspart of operational or transactional workflow. Offered as an integrated module or standalone solution to increase security for operations such as withdrawal and money transfers.

BiometricsIn

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Mobile App


Web

ATM


Customer Management


Advanced Reporting

Task +Workflow

Loan Management

DSS Transactions

Transactions

Account Management


Advanced Reporting

Task +Workflow

Loan Management

DSS Transactions

Account Management

Biometrics

Business Case

Sample Screens

• Identify clients quickly and conveniently without cards and PINs• Improve security of over the counter transactions to reduce risk• Secure system access to mitigate internal fraud with bio log in• Run deduplication routines as part of registration • CBS independent

Messaging platform that supports the design and management of notifications andcampaigns. Flexible settings allow users to configure messages using business triggers, filtersand schedules. Send messages to clients, prospects, and staff either SMS or email.


User Administration


Customer Management

Task & Workflow Mgmt

Inte

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Email


Business Case

Sample Screens

• Give clients piece of mind by notifying on all account activity• Improve portfolio quality by sending clients loan payment reminders• Generate additional revenue by offering SMS alerts as a service• Send clients promotional campaigns or product information• CBS independent and can be configured as a standalone system

Data warehouse extracts data from multiple sources including CBS, internal systems, publicsites to facilitate the analysis of information from a centralized set of information using arange of business intelligence tools. Users access the web-based tool via a secure log-in toview customizable dashboards and create reports using professional templates.

Data Warehouse & Business Intelligence

User Administration

Advanced reporting

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Business Case

Sample Screens

• Data-driven analysis to make informed management decisions• Deliver accurate and relevant information at the right time• Monitor staff performance and return on investment• Understand big data with intuitive and informative dashboards• Identify organization’s strengths and weaknesses

Data Warehouse & Business Intelligence

Device management and monitoring tools to manage a network of ATMs and/or POSdevices. Fully integrated with HSM and Card Management for full service operations ofelectronic banking channel. Monitoring screens display the status of all devices.

ATM & POS Network ManagementIn

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ATM

POS


Mobile AppUser + Identity Mgmt

ATM Management


Advanced Reporting


DSS Transactions

POS Management

Transactions


Card Management

Offline Operations

ATM & POS Network Management

Business Case

Sample Screens

• Expand the reach of services with secure and automated devices• Manage a proprietary network of ATM to offer 24/7 banking• Leverage “on-us” ATM network to avoid third party fees for clients• Customise client interaction according to workflow requirements • Distribute POS devices to retailer for more convenient payments

Card Management System that supports the full card life cycle from application to issuing,distribution and use of payment cards. All administrative functions, including reissue orclosure of the card supported through administrative portal.

Card ManagementIn

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Web


Card Management


Advanced Reporting

DSS Transactions

Transactions


Customer Management

Account Management

Anti Money Laundering

Offline Operatinos

Mobile App

ATM

POS

Card Management

Business Case

Sample Screens

• Manage card services in house with user-friendly solution• Flexible card settings for fees and limits • Provide quality customer services and issue management• CBS independent• Option to configure as stand alone system for loyalty or gift cards.

Identify and prevent the risk of potential money launderers from using your system for illegalactivity. Supports screening activities from customer origination, supporting info for high risktransactions and all reporting and monitoring of suspicious transactions.


User Administration

Transactions

Customer Management

Document Management

Inte

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Mo

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Web



Anti-Money LaunderingBusiness Case

Sample Screens

• Satisfy regulatory requirements for KYC, control and compliance• Prevents banks from being used as a conduit for money laundering• Generate alerts for suspicious activities and minimize false alerts• Monitor all transactions and generate reports to analyse behaviour• Automates checking of external lists and databases

Flexibility

• Link to nlimiteddelivery channels and payment systems

• Modular& configurable settings

• Multi-lingual functionality

Affordability

• Streamlined workflows & automation

• Increased efficiency

• Additional revenue streams

Scalability

• Unlimited links to unlimited payment providers and devices

• Exponential scalability with linear investment

• Leverage existing infrastructure

Accessibility

• Enhance convenience for customer

• Empower users with appropriate tools

• Expand network with agents and retailers

Adaptability

• Easily adapt to changing technology platforms and standards

• Configure per business specific workflow

• Secure interface with the CBS

SG Solution Advantages

Thank you!

[email protected]

Latin AmericaAv. Americas 1545, 23rd Floor, Punto Sao Paulo, 44630 Guadalajara, Jalisco, Mexico +52 33 8000 0072

Asia 4F La Paz Center, Salcedo Corner Rufino Streets, 1229 Makati City, Philippines+ 63 2 556 2016

Sub-Saharan AfricaThe Green House, 4th Floor,Suite 18, Ngong Road,28804-00100 Nairobi, Kenya+ 254 717 639 392

Australia & PacificSuite 4, 36 Agnes Street, Fortitude Valley 4006, Brisbane, Australia+61 7 3172 3249

West AfricaGarden Road, #3, East Legon, Accra, Ghana+233 302 975617

India36, Murugan Nagar, E.Pudur, Trichy,600 012 Tamilnadu, India+91 431 247 3366

SG HeadquartersEurope & Central Asia:115N, Tsarigradsko shosse Blvd1784 Sofia, Bulgaria+359 2 923 17 83

Middle East & North Africa51B Misr Helwan Street,Maadi, Cairo, Egypt+20 223 802 120

System Architecture

Documents

SG company presentation March 2016 v4