Smart Cashless Solutions

Transcription

1 Smart Cashless Solutions for a Cashlite World

2 Who We Are Core Values Tangazoletu is a client-centric, Kenyan ICT firm that develops ICT solutions that automate business processes in every sector of the economy to promote efficiency, sustainable innovation, and best practice. We are also a trend setter in mobile solutions used by millions of Kenyans, every day and are licensed by Communication Authority to provide premium rate and content services. Using creative and pioneering technologies, we have used ICT to create solutions to business process challenges, transform different business and economic sectors such as mobile banking, micro-finance, health, distribution and retail. Vision To create a seamlessly connected world using ICT & Mobile Solutions. Mission We develop and provide innovative, versatile and reliable ICT & Mobile Solutions that empower our customers to achieve efficiency, productivity and convenience Excellence We endeavor to provide high quality products and services at all times. Integrity We have made honesty and sincerity integral parts of our operations. We uphold this through strict adherence to the moral principles of honesty, trust, equity and transparency in all dealings and relationships. Creativity and Innovation We design and develop cutting edge products and services in Mobile Finance Solutions and ICT to enhance convenience, efficiency and effectiveness. Client Centric We listen and work with clients to design, develop and deliver responsive in Mobile Finance Solutions & ICT solutions. Teamwork We undertake all our business using joint effort within and with our partners. 02 Corporate Profile

3 Products and Services Here are some of the projects that we have handled satisfactorily for various clients and partners; 01 SpotCash Mobile Banking system Over 30 independent financial institutions 02 SpotCash Agent Banking Financial institutions SpotCash Mobile banking services SpotCash is a Tangazoletu Mobile Banking platform used by more than 30 formal and registered financial institutions ranging from Banks, Microfinance Institutions and SACCOs in Kenya. The solution integrates to core banking systems, telecommunication companies infrastructure and mobile money transfer systems to offer services such as Balance enquiry, cash withdrawal, cash deposit, loan application, loan disbursement, loan repayment, share purchase among others to our over 600,000 members registered. We are also the Biggest Sacco Aggregator in Kenya SpotCash Agent is a banking solution that gives you access to your FOSA account and the full range of banking services that your Sacco would normally provide through Sacco representatives or agents, without having to visit your Sacco. Services offered at Spot- Cash Agent: Withdrawals Airtime Purchase Deposits Mini Statements Balance Inquiry Tangazoletu Limited 03

4 03 SpotCash Core Banking Financial Institutions SpotCash Core Banking is an integrated, comprehensive, cost effective and user friendly bank grade SACCO Core Banking and Management solution/erp that is highly favored by institutions with a vision of growth & efficiency. It is also: Development of a comprehensive Core Banking and ERP Solution for Saccos and MFIs.. Tried and tested in Australia, Africa, Europe, USA, Asia in over 300 institutions. Follows accepted global best banking practices international code of banking. Brings you anytime anywhere banking convenience. Can be used to run the back office, front office or both. Can support. From 50 to over 1 Million Members. 1 to 300 interconnected branches. 3 to 1,000 staff 04 M-Pesa Safaricom Limited M-PESA development and technology partner In recognition of our experience and credentials for forward thinking and transformational innovations, we have become one of Safaricom s strongest partners of in development of strategic products and services such as: Lipa Na M-PESA A platform that allows buyers to pay traders for goods and services using their mobile phones. M-PESA online An online checkout platform that allows buyers to pay vendors for their goods & services M-PESA Agent self-reversal system This facility allows MPesa Agents to retrieve cash sent to a wrong number from the agents mobile phone, without involving Safaricom customer care department. M-PESA data bundles purchase This allows users to purchase data bundles for their mobile phone using M-PESA. Automation of M-PESA Business to Customer (B2C) and Customer to Business (C2B) integration interfaces which enables automatic payment of bills and services using Pay Bill. Some of the major services running on this interface include Kenya Airways, NSSF, KPLC, some of the leading banks and DSTV among others. M-PESA Voucher System (SurePay) This is a service used by NGOs and public programmes that target vulnerable, poor or special groups to disburse funds that should be used only for specific services e.g. medicine or food. The service operates using M-PESA wallets that can only be used on the specified services. (Detailed explanation & Infographic on the next slide) 05 Safaricom Voucher Management System (Sure Pay) Safaricom Limited Development of a voucher management system (Sure Pay) 04 Description of project/engagement Tangazoletu built Sure Pay a voucher management system for Safaricom MPesa corporate customers Sure Pay facilitates a payments and disbursement eco system in a controlled manner that will incorporate all M-Pesa services including C2B, B2C and Lipa Na MPesa usage. Corporate Profile Donor Service Provider System User Beneficiary

5 06 Spot Pay - Multiple Payments Platform Organizations Making Multiple Payments 01 What is SpotPay? SpotPay is a creative payment solution to make simple, easy payments. 02 How does SpotPay work? Step 1: Enter names, telephone numbers and amounts being paid on an excel sheet Step 2: Uploads the excel sheet into the system for verification Step 3: The supervisor approves the payments online Step 4: Money disbursed at the click of the mouse button Step 5: Recipients will have money in their e wallet in a minute. What s the scenario like before SpotPay? Cumbersome and tiring process for managers Frustrating wait by workers High cost for Courier services High cost for armed security guards Tiresome and exhausting procedure Payment mode is still error prone Poor Documentation and receipting of payments 03 Why do I need Spotpay? 04 You can make multiple payments of up-to KES 70,000 at a go You ll have to approve payments before they are disbursed Access to reports for multiple payments made over time Do away with the complexity and cost of making multiple small denomination payment through a Bank You wont feel insecure while handling lots of cash meant for multiple payments You will not incur high costs for security guards/cash in Transit every time you have to make payments 07 Supply & Installation of Electronic Health Record Systems Hardware World Health Organization Tangazoletu supplied and Installed Electronic Health Record System hardware in select Health Facilities in Baringo and Machakos counties for the WHO. The regional hospital, 3 health centers and 3 dispensaries in each county received the necessary Hardware, Wireless connectivity, installation and support for the Electronic Health Records System. Users of the system include the Ministry of Health (MOH)and the health facilities involved. Tangazoletu Limited 05

6 08 TIBU 09 Ministry of Health Division of Leprosy TB and Lung Disease through the USAID Kenya funding TB-ARC USAID Kenya, Center for Health Solutions, Ministry of Health, Division of Leprosy, TB and lung disease Tangazoletu was engaged in the development of an online portal and solution for TIBU Finance & Payment management system including integration with Mobile payment through M-PESA. TIBU is a data collection, submission, group report processing, finance and payment solution used in monitoring and evaluation functionality in TB care within the Ministry of Health Services in Kenya. TB Accelerated Response and Care TB-ARC (5year) projected Tangazoletu Ltd will provide services for the design, development and implementation of the TIBU system. In addition, we will provide technology solutions to support project operations. 06 Corporate Profile

7 10 08 NIC MICRO SASA SAVINGS & LENDING Development of Mobile Virtual bank accounts, Micro-Savings and Micro-Lending capable platform. NIC Tangazoletu BANK Limited Tangazoletu has developed a platform that enables financial institutions to provide micro-savings and micro-lending to willing customers on their mobile phones. The platform has the following key modules: a. Mobile self registration module Through the use of a USSD menu, the platform provides for mobile self registration / sign up and automatic virtual account creation within the financial institution. The willing customers are taken through a KYC process to collect data on account opening. Once successfully submitter, mobile virtual accounts are created and tagged to the new customer b. Mobile Savings Once registered, members who are willing are able to start making savings to their virtual account through mobile money. The funds deposited to the financial institution form savings which the member can withdraw based on the financial institutions preference. c. Mobile lending This module enables customers / account holders to be able to borrow money from the financial institution. A credit scoring algorithm is invoked to assist with appraisal of the customer and arrive at thresholds of what amounts would be extended to the customer. Once appraised and approved (automatically) the funds are disbursed to the customer on their mobile money wallet XIP POS Mobile Micro Payments Platform for emerging and growing markets Tangazoletu Ltd. Limited. XIP MPOS Device XIP Tag This is a platform that Tangazoletu developed to unlock the potential of Mobile Micro payments in the emerging and growing markets. It consists of an NFC enabled Mobile Point of Sale (MPOS) Device issued to merchants as well as tags issued to consumers to enable payments. The tags work as an extension to mobile wallets enabling a customer to be identified using the tag at a merchants site. The NFC POS device is attached to a merchant (bank) account and enables a merchant to receive his money directly into their bank account upon completion of a transaction. The device and tags are low cost and portable enabling the scalability of the service to merchants and consumers with ease MOBILE GROUP BANKING Mobile Microfinance & Payments Group Savings Platform and for Management emerging and Platform growing markets Tangazoletu Ltd. Limited This platform provides an appropriate way of enabling group banking. Financial institutions are able to recruit groups of individuals who come together to save together. Both group and individual contributions are captured into the banking platform. This information is more often thereafter used to enable the group members to borrow money on the strength of their group members. The platform can be configured to enable multiple products on the group modality. Tangazoletu Limited 07

8 joinourworld Convenient Way to bank your money and pay your utility bills through your phone A WORLD OF POSSIBILITIES Enjoy hassle free Banking activities THE REAL MOBILE BANKING withdraw or Deposit cash anytime, anywhere to transact your money to and from your Banking Institution