Transcript Capabilities Presentation

Gradatim MF Resolve
On Demand Utility Platform
for Micro Finance
Digital Pen
Bio Metrics
OCR
Copyright Gradatim 2007
ICR
About Gradatim IT Ventures (P) Ltd

A privately held IT company with offices in India, Australia and Singapore.

Headquartered in Bangalore and with BPU operations in Chennai

A pioneer in the area of Business Process Utility services

The company works with customers in Asia, Australia, Europe and USA

Gradatim's multi-faceted management team, drawn from world class
organizations, bring together successful entrepreneurial experience, deep
domain knowledge and the relevant global market exposure to support the
core mission of the organization

Gradatim’s revenue model is focused on customer success and based on
shared value creation
Gradatim’s Service Offerings
Gradatim’s Service Offerings
spans across Banking &
Finance, Insurance and
Litigation.
Gradatim services also cover
knowledge based services, Data
conversion and Data
Management services
All these services are ably
supported by experienced
domain specialists
Data
Conversion
Services
Litigation
Services
Gradatim
Insurance
Services
Micro
Banking
Services
Knowledge
Driven
Services
Our Business Model
Emerging to be known as
“On-Demand Business Process Utility (BPU)”
Evolution of Outsourcing
Business Process
Utilities
Business Transformation
Outsourcing
Business Process
Outsourcing
IT Outsourcing
•ASP
•Bureau Services
•ADM
•Infrastructure Services
•Single & multiple entity
partitioning of services
•Rich and Thorough Process
•Third Party Administrations Models
•Captive
•Robust Process Technology at the
•Knowledge
core of operations
•Others
•Single platform across
common set of functions
•Common business process
services to multiple entities
•Aggregation of commoditized
industry processing
Doing it Cheaper to Doing it Better
Copyright Gradatim
Copyright
2007 Gradatim 2007
Business Model
GRADATIM
Copyright Gradatim 2007
Gradatim is an emerging BPU
Business Process Utility [BPU]

Business process utility (BPU): An externally provisioned business
process management service based on standardized processes and a
unified, one-to-many technology platform. Individual service recipients fund
high levels of customization (exceeding 15 percent overall). The service
provider manages and executes direct business process inputs (often
automated), as well as business processes. The service provider or
recipient can execute outputs. Contracts typically feature per-transaction
fees, with monthly minimums
–
–
–
–
Model built not only on Labor Arbitrage
Delivered from distributed network of sourcing locations
Technology plays a very important factor
One to Many Model
Copyright Gradatim
Copyright
2007 Gradatim 2007
Benefits of BPU Model

Regulated processes simplify aggregation

Unit-costs continue to decline with each new tenant added to the shared platform.

Financial alignment between participants ensures that all parties benefit from
continuous operational improvement

Ease of deployment.

Remove higher cost human element of BPO

Technology as the process “actor”
Copyright Gradatim 2007
Our BPU
–
Gradatim– BPU incorporates the concepts of Component Business Model (CBM)
–
Multi Client, On Demand Utility
–
Performance and scalability for any-size business
–
Focus on Knowledge Process & Change Management
–
Delivering value to users
Copyright Gradatim 2007
What is Micro Finance?
Micro-Finance
Providing Financial Services such as Micro Credit, Micro Savings, Micro Insurance to the
impoverished and poor, who don’t have access to the formal banking system.
Objective
Alleviating poverty and providing financial aid to the rural poor
Origin
Concept of MicroFinance was born in Bangladesh in mid-1970s
Journey so far
With help from Philanthropists, Donor and Funding agencies, the concept of MicroFinance
steadily gained momentum and spread across the globe
Where are we Today?
Presently, we have specialized Micro Finance Banks and Institutes providing advanced
offerings such as remittances, insurance and investments
What ails Micro Finance today?
•
Limited Outreach
•
Customer Identification
• High Operational Cost
• Compliance with Regulatory Bodies
• Scalability
Technology is the Solution…
How MFIs benefit from Technology:
• Increased Outreach. Access to more rural customers
• Customer Identification made easy.
•
De-Duping and Biometric Identification mechanisms
alleviate the issue.
• Better Reporting. Helps Informed Decisions.
• Branchless Banking
• Increased Efficiency
• Lower Operating Cost
• Scalability
MF-Resolve Unleashing the power of Technology…
• A feature-rich solution with Business Intelligence Features of Risk Analysis,
Performance Analysis, Profit-Loss Analysis, etc.
• Developed from our long experience of working closely with MFIs to cater to the
specific needs of the industry
• Highly parameterized to support varied nature of operations in MicroFinance across
the globe
• Facilitates enhanced market penetration in reaching out to more customers, BIO
Verification for customer identification
• Enables to achieve increased productivity, better operational efficiency and improved
customer service
• Helps to minimize operational cost
• Scalability
MF Resolve– Stakeholders Supported
• Gradatim’s MF Resolve can be positioned for an
micro finance Products.
• Services extended to each stakeholder will be
based on their specific requirements.
Banks
MFI’s
• Stakeholders who do not wish to avail some of
the existing service(s) it would be turned off for
those clients
NBFC
NGO’s
Loan
Customers
Co-Operative
Sector
Funders
Individual & Group
Accounting
MIS
•
Caters to all lines of business both on Individual and Group lines
and supports the entire business value chain
Architecture
MF Resolve
Micro Insurance Platform
Life
Module
1
Health
Pensions & Annuity
Presentation Layer
Insurer
MFI
Module
2
Module
n
Non-Life
NGO
Banca
Agent
Application Layer
Quote
Module
Underw
riting
Module
Policy
Admin
Module
Billing &
Collection
Module
Claims
Module
Reporting
Module
AWPL Workflow
Business Layer
Data Access Layer
MFI Data Base
MI Data Base
This will facilitate the MFI’s (only) to have a Consolidated View of Holdings (of Customer) and also facilitate re-use of customer data for cross sell /
up sell
MF Resolve – Solution Objectives
•
Effective Use of Technology to reduce operational overhead, improve
business practices, provide audit trail & increase revenue
•
Aimed to support Microfinance Institutions, Banks that are seeking to make
micro-credit and micro-Lending financially viable and penetrate to new
customer areas.
•
Provide Means to Scale, Simplify and Overcome the “rural outreach”
challenge
•
Reduce the cost of Micro-finance transactions
•
Solutions and services that can be used globally
And Much More On MF Resolve
MF Resolve also supports the following services
•
Billing and Collection for Individual and Group
•
Loan Management
•
•
Workflow
Customer History
Automation
Based
& STP
Product
Mgt
Reporting (MI & BI)
Accounting
Reporting
Customer
Servicing
GRADATIM
MF Resolve
Loan MNGT
KYC
New Business
Collection
Integrated
Secure
With
Devices
Environment
Audit Trail
News Flash !!!
Here’s what ING Netherlands has to say about Gradatim’s MF-Resolve:
MF Resolve / Gradatim
Advice : Positive (+)

Most professional organization amongst all suppliers

Many partnerships with established professional companies
 Advisory Board with IBM, Wipro, Citi Group and RBI

Has a clear and well defined strategy

Innovation, globalization and bancalization of the poor
 Technology driven, simplify business processes for retail banking

Use and re-use of existing technology

Re-using previous experiences in BPO sector

Complete solution ASP at very low cost for MFI

Opening training center and lab for new customers

Has started also a BPO initiative on non-profit basis
MF Resolve will help the MFIs :
 To rapidly scale up and add Microfinance products
 To reduce their operational costs
 To become more transparent
MF-Resolve Services
 MF-Resolve is a complete “Switch On” Service
 Rapidly setup of existing or new products with full profiles
 Global distribution though any channel
 Immediate local or global deployment: shortest route to writing
Immediate business
 “Full end to end” real time management and control”
MFResolve : Global Solution for Microfinance
Infrastructure, Hardware, Solution and High
End Platform Hosted and Provided by
Gradatim
Minimizing Capital Investment
Infrastructure for MFI Clients
Complete control of Data Inputs and Report
Management
Plug-In, Plug-Out Model. Very small Time to
Deploy. Customizable
Copyright Gradatim 2007
BENEFITS
FEATURES
Gradatim provides External Services that
can be used by MFI Clients
Technology Updates and
Maintenance
completely managed by Gradatim’s highly
skilled IT Personnel
IT
Strong Technology Framework for handling
large
volume
of
business
covering
beneficiaries in remote locations
Technology is fully web enabled and can be
accessed by MFI Clients through a Secure
Environment
Platform is in-built with multiple Delivery
channels
for
Customer
Relationship
Management
on
Enabling Branch Banking, Rural Banking
and Door Step Banking with one single
Technology Platform
Real Cost Savings
Real Time Interface with Bank / MFI Clients
existing IT framework
Emphasis on Maintaining Customer Data
across all Business Processes
MFResolve : Key functionality blocks
Integrating Technology, Business Processes and Services - Seamlessly
Copyright Gradatim 2007
MF Resolve Modules
Core Modules :
Add On Modules :
Customer Registration
KYC
Loan Module
Accounting
MIS Reports
Device Manager
Product Maintenance
User Permissions
Share Module
Deposits
Savings
Core Banking System
MF Resolve -Platform Overview
Technical Features
Windows based application
Client-Server Architecture Supports SQL,
 RDBMS, Oracle and DB2
Enhanced security features
Modes of Operation
Centralized Mode :
There would be a centralized database and all the branches would
connect to this database using dial up lines or leased lines.
Add On Devices
Features:
•Client registration
•KYC Details
Digital Pen
Bio Metrics
•Loan Application
•Repayment History
PDA
OCR
•Transactions
ICR
Client Base
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Vedika Credit Capital Limited , Ranchi
Bhoomika, Bhubaneswar
Society for promotion of youth and masses, Delhi
Friends for women's world Banking
Planned Social Concern, Delhi
CReSA, Rajahmundry
Bazaari Global Finance Limited, Jodhpur
Micro Insurance Academy
Indian School Finance Company
Lot more at final stage of agreement
Alliances
 Gradatim has established partnerships with companies in
similar service lines. Following are some of our partnerships:
InfrasoftTech is a global organization focused on delivering high
quality IPR based software products, solutions & specialized
software services; in the domains of retail banking, investment
banking, eChannels, trading, wealth management, Islamic finance
and Anti Money Laundering
Kofax is the leading provider of Intelligent Capture & Exchange
solutions, including de facto standard products for information
capture, device connectivity and image processing.
Thanks you for your time.
For further Information contact –
Vishal Anand
Ph: + 91 9900161120
EMail: [email protected]
URL : www.gradatimin.com