5. LEARNING ALLIANCE
Thirst for change
Trust
Focus
Investment
Challenge
Open mind
Sharing Fun
Collaboration Good relationship
Accept others
5
6. CONTENT
02
03
04
05
07
9
Overview on MM System
e-Money Account Creation
e-Money Creation and Balance
Transfer
Role and Responsibilities (FD)
e-Money Commission and
Service Revenue
08
Reconciliation
01 06
Objectives
e-Float and Liquidity Management
Overview of finance related
activities on MM system
6
8. To know the global trends of Mobile Money Service
To create understanding about mobile money to finance staffs
To understand mobile money plat form workflow and reconciliation activity
expected to be done by finance
OBJECTIVES
8
To collect inputs from the participants for further improvements
10. WHAT IS MOBILE MONEY?
It is a technology that allows people to receive,
save, spend and send money using their cell phone
It is a service in which the mobile phone is used to
access financial services
It is a global tool allowing individuals to digitally
transact money with out formal bank.
10
11. SPECIAL FEATURES OF MOBILE MONEY
Notification
⢠A Mobile Money transaction request carried over
SMS
⢠Must always be delivered on time
Different from Airtime
⢠Mobile Money is a way to store and manage money
in an account linked to a cell phone. Airtime is used
to make phone cells, send SMS or use data
Security
⢠MMS store a record of every transaction and
account balance, so even if the phone or SIM card
is lost or stolen, the userâs money is kept safe
⢠Every transaction requires identification in the form
of a secret PIN
11
12. an organization authorized by National Bank to issue payment instrument
against receipt of funds in Ethiopian Birr as per NB directive
A person or an organization contracted by service provider to facilitate provision
of agency business service in the name and on behalf of the SP
A person or an organization that is responsible for managing the liquidity of the
agent network
Financial institutions or Banks that purchases e-Money from MNO wholesale and
then resells it to agents
Service
Provider
Super
Agent
DEFINITIONS
Master Agent
Agent
14. Cash In
Cash Out
Money
Transfer
IR
Merchant
Payment
Bulk
Payment
Airtime-
Top up
Utility Bill
Payment
Cash In at Agent
Cash In at Bank
Cash In at ATM
Cash Out at Agent
Cash out from Bank Account
Cash Out at ATM
Buy Goods
Pay on POS (ATM Card)
Pay on Internet
Salary Distribution
Welfare Distribution (to
registered/Unregistered
customer
P2P Transfer
Registered to unregistered
Unregistered to unregistered
International Remittance
(receive and send)
Pay Utility Bill
Pay Post paid bill
Top up by Customer
Top up at Agent
MOBILE MONEY STANDARD SERVICES
14
15. Customer with a
need for mobile
money service
Through Ethio Telecom
Shops
Self-Registration
(Online)
Through Agents
CUSTOMER REGISTRATION CHANNELS
15
16. 1. Cash In ETB 50
Mary Agent
3. Submit cash in
request
2. Choose menu âCash
Inâ, input:
Customerâs MSISDN,
Amount,
Agent PIN
6. transaction
confirmation notify via
SMS
6. transaction confirmation notify via SMS
7. Customer gives cash to agent
Mobile Money System
Transaction Engine customer
MM account
4. Moving funds betweenAccounts
5. Applying Charge
Agent
MM account
Charge profile
SP commission Account
Commission
Charge rule
Agent commission
Account
CASH IN AT AGENT
16
17. 1. Ask for Cash out ETB
50
Mary Agent
3. Submit cash out request
Agent
MM account
customer
MM account
Transaction Engine
Charge profile Agent commission
Account
2. Choose menu âCash Outâ, input:
Agentâs MSISDN,
Amount,
Customer PIN
6. transaction confirmationnotify
via SMS
6. transaction confirmation notify viaSMS
Mobile Money System
4. Moving funds betweenAccounts
5. Applying Charge
Transaction fee
Commission
Charge rule
7. Give Cash to customer
SP commission Account
CASH OUT AT AGENT
17
22. Mobile Money System
Transfer Money to Lucy
2. Submit Transfer request
Mary
MM account
Lucy
MM account
Transaction Engine
Charge profile
SP commission
account
Charge rule
Mary
Lucy
Transaction fee
1. Choose menu âsend moneyâ, input:
Customerâs MSISDN,
Amount,
PIN
3. Moving funds betweenAccounts
4. Applying Charge
5. transaction confirmation notify via SMS 5. transaction confirmation notify via SMS
P2P TRANSFER
22
24. Mary Bill Issuer
2. Submit pay billrequest
Bill Issuer
MM account
Customer MM
Account
Transaction Engine
Charge profile
SP commissionAccount
1. Choose menu âpay billâ, input:
Short Code of bill issuer,
Bill referenceNo.,
Amount,
Customer PIN
3. Call Pay BillAPI
6. transaction confirmation notify
via SMS
Mobile Money System
4. Moving funds betweenAccounts
5. Applying Charge
Charge rule
Transaction fee
PAY BILL
24
25. Mobile Money System
Mary Merchant
2. Submit buy goods
request
Merchant
MM account
Customer
MM account
Transaction Engine
Charge profile
SP commissionAccount
1. Choose menu âbuy goodsâ, input:
Short Code/MSISDN of merchant,
Payment Amount,
Customer PIN
5. transaction confirmation
notify via SMS
5. transaction confirmation
notify via SMS
3. Moving funds betweenAccounts
4. Applying Charge
Charge rule
Transaction fee
Supply short code, amount,
ask for payment
MERCHANT PAYMENT
25
27. Organization/SP
Operator
2. Submit bulk payment
request, specify a
scheduled time for task
Customer
MM account
Organization
MM account
Transaction Engine
Charge profile
SP commissionAccount
1. This service initiate via API or Web, load
bulk task file, which includes info:
Payment Reason type,
Customer MSISDN
Payment Amount
5. transaction confirmation
notify via SMS
5. transaction confirmation
notify via SMS
Mobile Money System
3. Moving funds betweenAccounts
4. Applying Charge
Charge rule
Transaction fee
Customers
BULK PAYMENT
27
28. Sender sends the remittance to
Ethiopia via Money Transfer
Operators /IR Hubs
SENDER
MM System receive the remittance
information
MM SYSTEM
Provide cash out service to
customer
AGENT /ET SHOP
Money Transfer Operators /IR Hubs
transmit the remittance to Ethiopia
MTO/IRH
Receivers in Ethiopia gets SMS
notification
RECEIVER
01 02 03 04 05
INTERNATIONAL REMITANCE
28
30. MOBILE MONEY ETHIOPIA TREND
Mobile and agent banking
legalized in 2012
Currently, there are more than 10
mobile money and agent banking
service providers.
Provide domestic money transfers
Require physical presence.
1
2 3
4 5
Self registration through USSD, app or
telegram both to visit the outlet/agent
for approval.
30
31. Bank Launched Agents Subscribers
MOBILE MONEY ETHIOPIA TREND
CBE 2017
2.25K Agents &
1.6K branches 3.2M
3 Bank &
1 MFI 2015 10K Agents 1.5M
6 MFI 2014 10K Branches &
5K Agents
1.2M
Dashen Bank 2018 450 Branches 1.9M
Cooperative
Bank of Oromia
2016 700 Agents NA
MM
On Progress On Progress On Progress On progress
31
33. WHY MM IS STAGNANT IN ETHIOPIA?
The Bank lead model
Interoperability problem
Accessibility
Limited service
Customer awareness and literacy
33
34. Socio economic factors
⢠Over 75% of Ethiopiaâs population is unbanked
⢠Nearly 40% of all bank branches are in the capital city Addis Ababa.
⢠Rural users travel long distances to get bank and Mobile Money
agent.
Government policy
⢠Creating cash less society
Law and regulations
Favorable policy from NBE
OUR OPPORTUNITIES
34
35. OUR OPPORTUNITIES
Ethio telecom can optimize the new regulator change by capitalizing on its competitive areas like:
ď§ Brand position and customer trust
ď§ Large number of customer base (>48 Million mobile users' addressable market )
ď§ Current/ deployed telecom infrastructure
ď§ Strong sales and customer service channels. (378 own shops and 205 distributers)
ď§ Wide Airtime distribution networks (45.3 Billion per year) and over 249K retail outlets.
Internal Capability
35
36. MOBILE MONEY VALUE PROPSTION
Cost Saving
ď§ Cost reduction by
reducing the printing of
paper money
Remittance
ď§ Creates convenience and
increases overall remittances
ď§ Reduces remittance transaction
costs drastically
ď§ Reduces gray zone
Job Opportunity
ď§ Create job opportunity
for many people
Cashless society
ď§ Reduces the need to carry
cash/security
ď§ Encourages e-Commerce
business
Better life
ď§ Offers convenient and real-
time transactions.
Economy
ď§ Increasing financial
inclusion to the unbanked
ď§ Controlling the economy
36
37. ď§ Access the service by
using the basic feature
phones.
ď§ Protected by secure
system and local financial
regulations.
ď§ Make all transactions
solely on cell phone.
Multi-
purpose
Cashless
Fast Secure
Accessible
Convenient
ď§ Deposit, receive, send,
spend, and transfer money
from mobile phone.
ď§ Perform real time operation
and
ď§ Receive a confirmation
through SMS instantly.
ď§ Available 24/7/365
ď§ Nearby and an ideal
choice in rural areas
CUSTOMER VALUE PROPOSITION
37
38. MASTER AGENT/AGENT VALUE PROPOSITION
Agents
Master Agent
⢠Customer registration commission (flat rate)
⢠Transaction commission
ďź Cash in and cash out
ďź Airtime top up
ďź Bill payment
⢠Increase their customer base (foot traffic and sales of
other goods in its shop)
⢠Free call and data service
⢠Annuity commission (5%) Promotional materials
⢠Increase good will of the agent
⢠Reward for best performers
⢠Share commission with agents
(80/20 â 80% goes to the
master agent)
⢠Credit purchase facility
⢠Tools/system to monitor
electronic balance of its agents
⢠Free call and data service
⢠Promotional materials
⢠Increase good will of the agent
⢠Reward for best performers
38
39. WHY DID MNOs GO TO MOBILE MONEY OPERATIONS?
Saving from airtime distributions
Stiff competition
Reduce churn and increase ARPU
Easy to leverage the existing distribution network Give subscribers to hang on their SIM
39
41. ETHIO TELECOM MOBILE MONEY
MASTER AGENT ETHIO SHOPS AS MASTER
AGENT
REGISTERED CUSTOMERS
ETHIO SHOPS
MOBILE MONEY DISTRIBUTION NET WORK
AGENT
AGENT AGENT AGENT
AGENT AGENT
AGENT
41
42. CHANNEL MEMBERS ROLE & RESPONSIBILITIES
⢠Purchase electronic
money and resell it to
agents under its
umbrella.
⢠Managing cash &
electronic value liquidity
requirements of agents.
⢠Building and managing a
network of retail agents
⢠Register customers
⢠Perform cash in and
cash out
⢠Adhere to KYC process
⢠Teaching new users
how to initiate
transactions on their
phone
⢠Keep enough amount of
float that meets
customer's demand
⢠Banks and other
financial institutions
often play this role.
⢠Super agents make
float available for a fee
⢠Play critical role in
agent liquidity
⢠Accept payments
through electronic
money
⢠Keep enough goods
what customers are
looking for
⢠Creating value to
customer
⢠Play role in mobile
money circulation
MASTER AGENT AGENT SUPER AGENT MERCHANTS
42
43. Agent Account vs. Customer Account
Agentâs maximum balance and transaction
limit are much higher than customerâs
Agent Account
Customersâ e-Money balance is
highly limited by regulation
Customer account
Customers MM accounts are created
by Agents, SP or online registration
MOBILE MONEY SERVICE ACCOUNTS
43
Customer have only one Account
Agents and SPs have many accounts
Agent MM accounts are created by
SP/Master Agents to serve customers
44. Limits and Levels of Electronic Account for Users
Electronic Account Levels
Max account balance 5,000 Birr 20,000 Birr 30,000 Birr
1 2 3
10,000 Birr
Total monthly tra.limit 40,000 Birr 60,000 Birr
Daily transaction limit 1,000 Birr 5,000 Birr 8,000 Birr
MOBILE MONEY SERVICE ACCOUNTs
44
49. ROLES AND RESPONSIBILITIES (FINANCE)
Support in defining
price, commission
and Financial due
diligence of the
service
⢠Open trust fund
account
⢠Creating MM Account
⢠Transfer and monitor
MM balance
Verification of MM
transaction and
reconciliation
MM Reporting
Periodical performance
Review and corrective
measure
Ethio
telecom
MM
50. FINANCE ROLES AND RESPONSIBILITIES
Open Trust Fund account as per NB Directive and
company Policy
Prior to create e-money for own shops and
Master agent check their authenticity
Create e-money as per company policy and process
Manage own shop e-money liquidity Documentation
Perform bank reconciliation for all banks
Perform schedule
Reporting
50
Create and transfer e-money for own shops and
master agents
Verifying cash collection from e-float
account against the sum of e-money
transfer to individuals or Master Agents
51. No. Core Activities Owner(s)
1 Open Trust fund account CEO/CFO
2 e-money account creation and validation of balance Treasury & CFO
3 Transfer e-money balance to shop and Master Agent as per
policy
Treasury, Region/zone, Shops
4 Check and reconcile e-money transactions against mobile
money accounts including Commission and Revenue
Treasury, Accounting,
Region/zone, Shops
5 Reconcile outstanding balance in an electronic float account
in a daily basis as per National Bank Directive.
Treasury
ROLES AND RESPONSIBILITIES
51
52. No. Core Activities Owner(s)
6 Ensure daily sales collection equal with receipts FO/Accounting, Region/zone,
Shops
7 Clear outstanding invoices and Unapplied receipts if any Corporate teams, Region/zone,
Shops
8 Reconciliation Corporate Teams,
Regions/zones, Shops
9 Check all taxes related to MM services (including taxed and
untaxed transactions)
Accounting
10 Transfer the tax payment with preferred payment modality (if
any)
Treasury/ AP
11 Reporting All
12 Documentation/Archiving
ROLES AND RESPONSIBILITIES
52
54. ACCOUNTS DESCRIPTION
Trust Bank Account Refers to any type of financial account that is opened by an individual and managed by a
designated trustee for the benefit of a third party in accordance with agreed-upon terms
SP Control Account
SP control accounts are accounts corresponding to the SP trust bank accounts that reflect
the funds in the SP trust bank account . Each bank can have only one SP trust bank
account. Each trust bank account must be associated with only one control account
SP Internal e-money
Account
SP internal accounts refer to various accounts used by the SP to perform transactions in
the mobile money system
SP Bank Account SP bank account refer to the SPâs external bank account (not the SPâs trust bank account).
SP bank accounts are usually used for e-money withdrawal transactions
Electronic money
Account
an e-money holders account held at SP plat form
The total outstanding value of electronic money issued by a payment instrument issuer that
may also be reflected by a cash deposit in a bank or a government security or both
Electronic money
Float
54
55. Establish Accounting policy,
Process and Procedure
System Integration
Create KYC in MM plat form
as per NB directives
PRE-REQUEST FOR MOBILE MONEY CREATION
Open trust fund account in
preferable bank in line with the
National Bank Directives
55
57. e-MONEY CREATION AND BALANCE TRANSFER
01
02
03
04
Create e-money accounts
for own shops
Transfer e-money balance from
ethio telecom MM account to
master agents and own shopsâ
mobile money account
Create e-money
Checking the authenticity of
Master Agents and Shops
prior to e-money transfer
57
01
01
59. Check the recording correctness
e-FLOAT AND LIQUIDITY MANAGEMENT
Establish initial cash that will be used for cash out to customers
Maintain adequate balances in the electronic money float cash
account to facilitate clearing and settlement of payments
Manage own shop Cash and e-money liquidity
Prepare T account and reconcile daily the e- money outstanding
balance in e float cash account against the sum of individual
electronic accounts maintained
59
60. Electronic Value
e-FLOAT AND LIQUIDITY MANAGEMENT
⢠Transactions between agent and a
customer requires that the agent has
cash value in their mobile wallet.
⢠The cash amount on their phone
fluctuates up and down, depending on
whether they are accepting funds or
paying out
⢠If mobile wallet of customer is used up
the agent cannot perform additional
services and needs to refill their
account.
⢠The other form of liquidity management
relates to physical cash.
⢠To make cash deposits into their mobile
wallets or to withdraw cash from their
accounts will go to agents.
⢠Cash-in transaction: customers deposit
their money at agents
⢠Cash-out transaction : customers seeking
to withdraw funds via agents.
1 Physical cash
2
Liquidity management is a process that entails having cash (float) and electronic money (float)
60
61. Initial Float Requirements
⢠itâs the upfront capital
to start the business
Float Planning
⢠Pre-determine how much float the agent
requires
⢠Rule which determines an agentâs float
based on todayâs payout and deposit
Rebalancing of Float
⢠Rebalancing requires one to
sell or purchase electronic
value
⢠Converting cash into e-money
and/or e-money to cash
⢠Converting of cash & e-money
is done either through Bank or
designated Super Agents.
COMPONENT OF LIQUIDITY MANAGEMENT
61
62. ď§ Supper agents/Agents deposit e-money by
purchasing from ethio telecom / supper
agents
ď§ Trade e-Money with customers
ď§ Manage their float or inventory of e-money
Agent/ Supper agent
ď§ individual/ Business
ď§ Deposits e-money in their MM
account.
ď§ Purchasing from agents or directly via
their bank account
ď§ Receive from others
Customers
ď§ Purchases e-money from bank
ď§ Trades e-money with cash/bank
deposit
ď§ Manage float or inventory of e-money
in the MM ecosystem
Ethio telecom
ď§ Issues/ sell e-money to ethio
telecom
ď§ Receives a cash of the equivalent
value/ minus the transaction cost.
Bank
4
3
1
2
CUSTOMER JOURNEY
57
63. Transactions
The electronic money
Account of Agent
Agent Cash in
Agent cash out
Green marketing is a
practice whereby
Green marketing is a
practice whereby
YOUR TITLE
AGENT ACCOUNT
Agent
Retail
Agent
cash
float
Master
Agent
cash
float
Retail
Agent
e-money
float
Master
Agent
e-money
float
Retail
Agent
cash
float
Master
Agent
cash
float
Retail
Agent
e-money
float
Master
Agent
e-money
float
63
64. Transactions
The electronic money
Account of Customer
Customer Cash in
Customer cash out
Green marketing is a
practice whereby
Green marketing is a
practice whereby
YOUR TITLE
CUSTOMER ACCOUNT
Customer
Customer
cash
position
Retail
Agent
cash
float
Customer
e-money
position
Retail
Agent
e-money
float
Customer
cash
position
Retail
Agent
cash
float
Customer
e-money
position
Retail
Agent
e-money
float
64
65. TRUST ACCOUNT
Trust Account Float Account
Balance of trust Account
⢠Deposit or withdrawals from trust
account must debit or credit the
float account
Balance of Float account
⢠Paying MNO for airtime sold/biller will
reduce the trust account and e-
money in MM platform airtime/biller
Account
The two balance should be equal
Resides
on
MM
platform
Resides
on
core
banking
65
67. COMMISSION PAYMENT
67
SPs can settle commissions to agents through scheduled tasks to reduce
workload and improve work efficiency
Commissions can be settled through SPâs payment modality as per agreement
made with Master Agents/Agents
In Mobile Money system, SP pays commission to Agents as their revenues.
68. REVENUES (SERVICE FEE)
68
SPs receives commission from customers immediately when transactions are
performed
In Mobile Money system, SP receives commission from MMS users as its
revenues.
70. RECONCILIATION
It is performed to ensure the consistency between the e-money amount in the
mobile money system and the balance in the corresponding trust fund account
Bank reconciliation is an activities for reconciling the mobile money system and
a bank
The consistency helps continuous operation of mobile money system
Daily bank reconciliation is to ensure total e-money in mobile money system
equals to trust fund account balance
70
71. Perform monthly bank reconciliation for all e- money accounts
Perform schedule
RECONCILIATION
75. GUI ELEMENTS
Button Description
Add data
Delete data or close a window
Modify data
Refresh data
Delete selected data
Search for data
Display detailed information about a record in the query result
Logout
75
77. MY TASKS MENU
Second-Timer
Menu
Function Description
My To-Do
An SP administrator, SP operator or organization operator can view the unfinished workflow
tasks assigned to him and approve the tasks or transfer them to others for processing.
Group Task
An SP administrator, SP operator or organization operator can view and approve all the
uncompleted tasks assigned to multiple operators (including the current login personnel).
Active Task
Management
An SP administrator, SP operator or organization operator can view all the uncompleted
tasks and distribute them to corresponding personnel for processing.
Task History
An SP administrator, SP operator or organization operator can view all the historical records
of completed and rejected tasks.
My Initiated
Workflow
An SP administrator, SP operator or organization operator can view all the workflows that are
initiated by yourself and the information about tasks that are triggered in the workflows.
77
78. TRANSACTION MENU
Second-Timer Menu Function Description
Search by Receipt No. An SP operator can query for detailed information about transactions by receipt No.
Confirm Transactions
An SP operator or organization operator can confirm transactions in Pending
Authorized state using My Tasks > My To-do or on the Confirm Transaction page. The
following describes how to confirm transactions on the Confirm Transaction page.
Search IMT Send
An SP operator or the operator of an IMT provider organization can query for details
about IMT send transactions
Search by Legacy
Receipt No.
An SP operator can query for detailed information about transactions by legacy receipt
No.
78
79. SEARCH MENU
Second-Timer Menu Function Description
Service Provider
An authorized SP operator can query SP information, the live audit logs generated for
various activities (The period not exceed 31 days), query and modify other SP operator;
initiate transactions, review transactions, reverse a transaction that is completed for an
SP; Add and query internal account, bank client and bank account(Not control account).
Customer
An SP or organization operator can precisely query customers using customers'
MSISDNs, or using customers' first names, middle names, last names, or dates of birth.
Till
An SP or organization operator can query tills using the organization short code, till
number or MSISDN of tills.
Organization
An SP or organization operator can query created organizations and information about
a specified organization by using the short code and name, region, or status of an
organization.
Group
An SP or organization operator can query groups by using group code, group name or
group product.
79
80. SEARCH MENU (CONT.)
Second-Timer Menu Function Description
SP Operator An SP administrator or SP operator can create SP operators.
Organization Operator
An organization operator is a person who conducts business operations/activities or
initiates services on behalf of an organization. An authorized organization operator can
create a new operator, query or modify the information of other operators for the
current organization and its downstream organizations.
Bank
Accounts in the Mobile Money system must be associated with bank accounts.
Therefore, bank information must be configured
Pay Bill Data Extractor
Before extracting transaction data of a C2B business organization, you must create a
data extractor for the organization.
Create Contact Task
An SP can create contact tasks for other SP operators for contacting customers or
organization operators by using contact tasks to notify them of related task information
and execution results.
80
81. SEARCH MENU (CONT.)
Second-Timer Menu Function Description
Closed Customer
An SP or organization operator can precisely query closed customers using
customers' MSISDNs, or using customers' first names, middle names, last names, or
dates of birth.
Closed Till
An SP or organization operator can query closed tills using the organization short
code, till number or MSISDN of tills.
Search for Refund
An SP can query the data archiving records and perform refund for customers for
whom refund has not been executed.
Person An SP or organization operator can query persons based on ID information.
81
82. TAKE A CALL MENU
Second-Timer Menu Function Description
Organization Operator
After receiving calls from organization operators, customer service representatives of
the Mobile Money system may need to verify the organization operators'
identifications. They must verify that the organization operators exist in the Mobile
Money system and can correctly answer questions set by the system to verify calling
parties' identities.
Customer
After receiving calls from customers, customer service representatives of the Mobile
Money system may need to verify the identification of a customer. They must verify
that the customers are Mobile Money system users and can correctly answer
questions set by the system to verify calling parties' identifications.
82
83. Second-Timer Menu Function Description
Operation Support
An SP operator can Monitor Bulk Performance; Configure bulk, system task plan and
flow control policy; Manage online user and business configuration data
Core Configuration
An SP or organization operator can configure language, security credential, workflow,
transaction type and advanced configuration(account type, accounting model, charge
distribution model, charge type, voucher type, reason type, reason type authorization
on rule, service, product, tax code, business operations group, business operation and
reason type mapping)
Operational
Configuration
An SP or organization operator can configure UMC, API, currency, data dictionary, SP
configuration, create and view role, detail Ops configuration, notification configuration,
KYC configuration, assignment management, MSISDN management, system
parameter, numbering management
Admin An SP or organization operator manage SP, SP Operator, Organization Operator
MY FUNCTIONS MENU
83
84. MY FUNCTIONS MENU (CONT.)
Second-Timer Menu Function Description
Create All ID
An SP operator can create customer, create top / child organization, create bank, create
pay bill data extractor, create till
Operations
An SP operator can manage Dormant Process, Pay Bill Data Extractor, Pay MNO Data
Extractor, Transaction, Review Action, Multi-Language Management, MSISDN Recycle.
Bulk
An SP or organization operator can create bulk task plans, view plan status and plan
execution information; query created bulk task plans including the basic information (for
example, status) and details.
Finance
An SP operator can manage Reconciliation Management, Bank Reconciliation, Finance
Service, Control Account Transfer, Approve Finance Transactions, Process Withdrawal,
Commission Claw-back, Process Commission, Revenue Settlement, EVO Extraction.
84
85. CREATE AN SP OPERATOR
Nav. My Functions > Admin > Manage SP Operator >click Add and Fill all mandatory fields.
85
86. CREATE TOP ORGANIZATION
Nav. My Functions > Create All ID > Create Top Organization > click Add and Fill all mandatory
fields.
86
87. CREATE CHILD ORGANIZATION
Nav. My Functions > Create All ID > Create child Organization > click Add and Fill all mandatory
fields.
87
88. CREATE BANK
Nav. My Functions > Create All ID > Create Bank> click Add and Fill all mandatory fields.
88