1. Company Profile
March 2016

2. Software Group is an advanced technology
company focused on end-to-end solutions for the
financial and retail sector.
The experienced team of professionals is
committed 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

3. Vision, Mission and Values

4. 210+ full time
employees
200+ delivered
projects
14 partner
support
offices
• 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

5. 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.
2
Source: THE GLOBAL FINDEX DATABASE 2014
by the World Bank

6. 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

8. Software Group’s Customers
We serve over 100 clients on 6 continents

9. IT Strategy
Consultancy, assessments,
selections, implementations,
audit, enhancements, support
Delivery Channels and Agent
Networks
Design, development,
implementation, utilities building
Integrations
Design, development,
implementation, support
Mobile Banking and M-Wallet
Products, design, bespoke apps development,
implementation, integrations
Reporting and Analysis Tools
Products, design, development,
implementation, support
Products, Services and Solutions

10. Product Portfolio
EFT
Switch
EFT
Bridge
Web front-end
for banking system
Mobile banking/
M-wallet application
SMS messaging
and alert platform
Card Management
System
Biometric
authentication
Data
Warehouse

11. 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
Personal
Banking
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&POS
Management
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

12. 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
access
channels
business
logic
core
middleware
data
resources
MOBILE WEB ATM POS
UT Platform: High Level Overview

13. Solutions
Business Modules
Components
Business Modules Business Modules
Components
Components
Components
Components
Components
Components
Components
Components
Components
Components
Components
UT Platform

14. 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
Anti-Money
Laundering
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

15. Manage a network of third party agents via a user-friendly mobile or web interface that is
seamlessly integrated to facilitate transaction processing in real-time. Administrative portal
supports set up, operations and transparent monitoring.
Agency Banking
User + Identity Mgmt
Transactions
Fees, Limits, &
Commissions
Customer
Management
Alerts &
Notifications
Document
Management
Advanced
Reporting
Task +Workflow
Loan
Management
Anti-Money
Laundering
Account
Management
DSS Transactions
UTCore
Web
Mobile App
USSD
POS
Offline
Operations
POS
Management
Core Modules Optional Modules

16. 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

17. Mobile application that enables organizations to digitize field operations by facilitating data
capture for a variety of financial and non-financial activities on a mobile device. Seamless
integration with the CBS allows for streamline workflows and real time data syncing.
Digital Field ApplicationUTCore
Web
Mobile App
Core Modules Optional Modules
Loan Management
DSS Transactions
Transactions
Alerts &
Notifications
Advanced
Reporting
Task +Workflow
Anti-Money
Laundering
Account
Management
Offline Operations
Fees, Limits, &
Commissions
User + Identity Mgmt
Loan Management
Customer Management
Document Management
Transactions

18. 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

19. Personal Banking provides customers with a convenient and secure access to manage their accounts
and 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 account
information and a defined set of financial and non-financial operations.
UTCore
USSD
Mobile App
Core Modules Optional Modules
SMS
User + Identity Mgmt
Customer Management
Loan
Management
Task +Workflow
Fees, Limits, &
Commissions
Transactions
Alerts & Notifications
Document
Management
Advanced
Reporting
Anti-Money
Laundering
Web
Account Management
Personal Banking

20. 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

21. Web-based data capture solution that can be used to run a customizable set of functions in a
user-friendly interface. Improves user experience and efficiency with streamlined workflows and
consolidated access to multiple systems.
Web Front End
UTCore
Web
Core Modules Optional Modules
User + Identity Mgmt
Loan Management
Customer Management
Alerts &
Notifications
Advanced
Reporting
Task +Workflow
Anti-Money
Laundering
DSS Transactions
Document Management
Transactions
Account Management
Fees, Limits, &
Commissions

22. 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

23. Integration platform that enables financial institutions to connect their systems to any third
party 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 PlatformUTCore
Web
Mobile App
USSD
POS
Core Modules Optional Modules
User + Identity Mgmt
Offline
Operations
Task +Workflow
Fees, Limits, &
Commissions
Transactions Advanced
Reporting
Anti-Money
Laundering
Alerts and
Notifications
DSS Transactions

24. 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

25. 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 either
through CBS integration or standalone. Includes management interface as well as mobile
apps for agents, merchants and customers.
Mobile Wallet
Core Modules Optional Modules
Web
Mobile App
USSD
POS
UTCore
User + Identity Mgmt
Fees, Limits, &
Commissions
Customer Management
Alerts &
Notifications
Advanced
Reporting
Task +Workflow
Anti-Money
Laundering
DSS Transactions
Account Management
Transactions
Document
Management
Loan
Management
POS
Management

26. 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

27. Provide remittance services both for customers and non customers through a branch and
agent network. This solution can be standalone or embedded in agency banking, field data
capture or web front end.
Remittance Management
Web
Core Modules Optional Modules
Mobile App
USSD
UTCore
User + Identity Mgmt
Fees, Limits, &
Commissions
Customer Management
Alerts &
Notifications
Advanced
Reporting
Task +Workflow
Anti-Money
Laundering DSS Transactions
Account Management
Transactions
Document
Management
POS
Management

28. Remittance 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

29. Capture and use biometric data for identification and authentication of users and clients as
part of operational or transactional workflow. Offered as an integrated module or stand
alone solution to increase security for operations such as withdrawal and money transfers.
BiometricsIntegrationModule
Mobile App
Core Modules Optional Modules
Web
ATM
User + Identity Mgmt
Customer Management
Alerts &
Notifications
Advanced
Reporting
Task +Workflow
Loan
Management
DSS
Transactions
Transactions
Account
Management
Alerts &
Notifications
Advanced
Reporting
Task +Workflow
Loan
Management
DSS
Transactions
Account
Management

30. 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

31. Messaging platform that supports the design and management of notifications and
campaigns. Flexible settings allow users to configure messages using business triggers, filters
and schedules. Send messages to clients, prospects, and staff either SMS or email.
Alerts and Campaigns
User Administration
Alerts & Notifications
Customer Management
Task & Workflow
Mgmt
IntegrationModule
SMS
Core Modules Optional Modules
Fees, Limits, &
Commissions
Email

32. Alerts and Campaigns
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

33. Data warehouse extracts data from multiple sources including CBS, internal systems, public
sites to facilitate the analysis of information from a centralized set of information using a
range of business intelligence tools. Users access the web-based tool via a secure log-in to
view customizable dashboards and create reports using professional templates.
Data Warehouse & Business
Intelligence
User Administration
Advanced reporting
IntegrationModule
Web
Core Modules Optional Modules

34. 34
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

35. Device management and monitoring tools to manage a network of ATMs and/or POS
devices. Fully integrated with HSM and Card Management for full service operations of
electronic banking channel. Monitoring screens display the status of all devices.
ATM & POS Network Management
IntegrationModule
ATM
POS
Core Modules Optional Modules
Mobile AppUser + Identity Mgmt
ATM Management
Alerts &
Notifications
Advanced
Reporting
Anti-Money
Laundering
DSS Transactions
POS Management
Transactions
Fees, Limits, &
Commissions
Card
Management
Offline
Operations

36. 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

37. 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 or
closure of the card supported through administrative portal.
Card Management
IntegrationModule
Core Modules Optional Modules
Web
User + Identity Mgmt
Card Management
Alerts &
Notifications
Advanced
Reporting
DSS Transactions
Transactions
Fees, Limits, &
Commissions
Customer
Management
Account
Management
Anti Money
Laundering
Offline
Operatinos
Mobile App
ATM
POS

38. 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.

39. Identify and prevent the risk of potential money launderers from using your system for illegal
activity. Supports screening activities from customer origination, supporting info for high risk
transactions and all reporting and monitoring of suspicious transactions.
Anti-Money Laundering
User Administration
Transactions
Customer Management
Document
Management
IntegrationModule
Web
Core Modules Optional Modules
Anti-Money Laundering

40. Anti-Money Laundering
Business 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

41. Flexibility
• Link to
nlimited
delivery
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

42. Thank you!
www.softwaregroup-bg.com
info@softwaregroup-bg.com
Latin America
Av. 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 Africa
The Green House, 4th Floor,
Suite 18, Ngong Road,
28804-00100 Nairobi, Kenya
+ 254 717 639 392
Australia & Pacific
Suite 4, 36 Agnes Street, Fortitude Valley
4006, Brisbane, Australia
+61 7 3172 3249
West Africa
Garden Road, #3, East Legon,
Accra, Ghana
+233 302 975617
India
36, Murugan Nagar, E.Pudur, Trichy,
600 012 Tamilnadu, India
+91 431 247 3366
SG Headquarters
Europe & Central Asia:
115N, Tsarigradsko shosse Blvd
1784 Sofia, Bulgaria
+359 2 923 17 83
Middle East & North Africa
51B Misr Helwan Street,
Maadi, Cairo, Egypt
+20 223 802 120

43. System Architecture