This document discusses Software Group, an IT company focused on financial sector solutions. It provides an overview of Software Group's services, including core banking systems, reporting tools, delivery channels, integrations, and mobile banking/wallet applications. It then describes a case study where Software Group provided an m-wallet platform integration for a microfinance institution in Rwanda, connecting it to the VISA network. The project was completed on budget and launched new services, but faced challenges around requirements changes and stakeholder communication.

1. Building Successful Partnership for
Mobile Banking Launch

2. About Software Group
Software Group is a privately owned specialized IT company focused
on end-to-end solutions for the financial sector that provides products
and services that aim to strengthen the financial sector as a whole.
The company serves a worldwide client base from four main offices
located in Bulgaria, Kenya, Ghana and Philippines.
Software Group prides itself on delivering products and services which
adhere to the principles of quality, transparency and affordability.
The company’s experienced team of professionals has an outstanding
track record of handling over 95 complex development projects.
Software Group’s customer base includes:
Microfinance Institutions
Commercial banks
Payment operators
Mobile network operators
Non-cash Businesses

3. Global Presence
67 full time
4 part time
employees
consultants
4 offices
15 partners
Presence in
offices
31 countries

4. End-to-end Solutions
Management Information Systems
(Core Banking Systems)
Assessments, selections,
implementations, audit,
enhancements, support
Reporting and analysis tools
Products, design, development,
implementation, support
Delivery channels and agent networks
Design, development,
implementation, utilities building
Integrations
Design, development,
implementation, support
Mobile banking and M-Wallet
Products, design, development,
implementation, integrations

5. Value Chain for Mobile Payments
Support activities
The Mobile Money Value Chain
Float holding
License acquisition, regulatory engagement and compliance
Product and business development
Cash-in/ cashout network
Branding
Communications
Liquidity
management
(superagancy)
Technology
Transactional
platform
Access to the
handset
Primary activities
Customer
care

6. Mobile Banking Partnership
Case Study
• MFI > product development,
marketing, agent network, internal
operations, customer care
• Transactional platform (mVISA)
• Regulator (Central Bank of Rwanda)
Supported by
• Technology Consultant & System
Integrator
• Business & Operations Consultant

7. SG Role and Main Project Activities
Required
Deliverables
(Functionalities)
Products and
Services Provided
• Integration with VISA systems:
• VMMS - online real time integration to process all
incoming /outgoing transaction requests
• CRM - to process all client and agent registrations
• Data Warehouse - to gather all reporting information
• Single customer registration for mobile banking services
• UOB back office support – integration to bank’s systems
• Web-based front end to manage agents and customers
• SMS alerts and notifications platform
•
•
•
•
•
UT Route
UT NET
UT SMS
Integration services
Implementation services

8. Solution Architecture

9. Results & Challenges
First results:
• New attractive and innovative services were launched on
Rwanda market by UOB
• VISA has been able to overcome lack of access to physical
bank branches and start working across different financial
institutions and mobile networks
• The project was done within the budget
Main challenges:
• Define business requirements at initial stage and not change
them in the course of project implementation
• Establish active and effective communication between all
project stakeholders to deliver timely results

10. Thank you for the attention
SG Headquarters,
Europe & Latin America:
115 N, Tzarigradsko shosse blvd
1784, Sofia, Bulgaria
+359 2 923 17 83
Sub-Saharan Africa:
Suite 14, The Green House
Fayza Plaza 2nd Floor, Apartment No.3
+233 302 975617
West Africa:
Fayza Plaza 2nd Floor, Apartment No.3
Oyarifa Accra, Ghana
+233 302 975617
Asia & Pacific:
3/F Unit 301 #3 Brixton Street Kapitolyo
Pasig City 1603, Philippines
+63 917 863 2752
www.softwaregroup-bg.com
info@softwaregroup-bg.com

11. Back up slides

12. Building a Business Case for IT Solutions
What are the challenges, needs and strategic goals of the client organization?
• Defined by business operations team
• Competitive Analysis (SWOT)
What are the needs and circumstances of the end user?
• Informed by market research
• Client surveys
What are the limitations or opportunities in the regulatory environment?
• Informed by market research
• Conversations with regulators
What are the limitations or opportunities of the present company IT
architecture?
• Informed by Technical department
• External expertise provided by consultants or potential vendors
What is the appropriate IT architecture solution?

13. Product Portfolio
UT Route
EFT Switch
UT Link
EFT Bridge
UT ID
Card Management System
UT Net
Web front end for banking system
UT SMS
SMS alerts application
UT Mobile
Mobile banking / M-wallet application
UT Bio
Biometric authentication
And more
Mirrors
Data Warehouse
i-Track
GPS tracking system