Idbi Financial Inclusion Tender

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REQUEST FOR PROPOSAL (RFP) FOR IMPLEMENTATION OF IDBI BANK FINANCIAL INCLUSION - PROJECT

Dated: 12 April, 2011

IDBI BANKDEPARTMENT OF FINANCIAL INCLUSION, 13 th Floor, IDBI TOWERS, WTC COMPLEX, CUFFE PARADE, MUMBAI 400 005

IDBI Bank : RFP Financial Inclusion Project

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(Implementation of IDBI Bank Financial Inclusion Project)Tender Reference Purpose Request for Proposal for an end-to-end solution for IDBI Banks Financial Inclusion Plan involving Supply, Customization, Installation, Operations, Maintenance of required Hardware & Software, Facility Management in addition to Delivery & Support for Financial Services April 27, 2011 Rs.10,000

Pre-bid Meeting Non-refundable Cost of Bid to be paid while submitting the Bid Documents. Bid Guarantee submitted along Documents to with be Bid

Rs.10,00,000

Last Date for Submission Address for submission of Tender Date of Opening Technical Bids * Contact Numbers Fax Number E-Mail address

May 04, 2011, 12:30 PM General Manager, IDBI Bank Ltd., IDBI Tower, 13 th Floor, Cuffe Parade, Mumbai-400005 May 05, 2011 12:30 PM

022-6655 3458/2437 Mobile No. 09869203706 022 22187539 fip@idbi.co.in, d.kumar@idbi.co.in

*In the presence of the authorized representative of the bidders (authorization letter from Company to be submitted) Technical/Commercial bids will be opened. Only one representative will be allowed to represent the Company. Bank reserves the right to change the suggested evaluation schedule. All Bids would be opened at the IDBI Bank .

IDBI Bank : RFP Financial Inclusion Project

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CONTENTS

1

Preface .......................................................................................................... 7 1.1 About this RFP ......................................................................................... 7

2

About the Bank ............................................................................................... 9 2.1 2.2 Vision Statement ...................................................................................... 9 Mission Statement .................................................................................... 9

3 4

Pre-qualification Criteria for Bidders .............................................................. 10 The Project: ................................................................................................. 13 4.1 4.2 4.3 4.4 4.5 4.6 Background ............................................................................................ 13 Consortium of Service Providers ............................................................. 13 Changes to Consortium .......................................................................... 13 Engagement of multiple bidders .............................................................. 14 Cooperation between Multiple Bidders .................................................... 14 Predominantly an OPEX-model ............................................................... 14

5

Scope of Work .............................................................................................. 15 5.1 5.2 5.3 5.4 Target group: ......................................................................................... 15 Basic Banking Products & Services ......................................................... 15 COMPLIANCE Requirements .................................................................. 16 Third-party Risks and Mitigation by the bidder ......................................... 17

6

Responsibilities of the Bidder and the Consortium ......................................... 18 6.2 6.3 6.4 Render Financial Services ...................................................................... 18 Meet Human Resource Requirements ..................................................... 19 Ensure Technical Deliverables ................................................................ 19

7

Functional requirements ............................................................................... 22 7.1 7.2 7.3 7.4 7.5 7.6 7.7 Overview ................................................................................................ 22 Enrollment of Customers ........................................................................ 22 Account Opening/Product Registration and Activation ............................. 24 Delivery of the SmartCard ...................................................................... 24 Replacement of SmartCards ................................................................... 25 Smartcards for agents ............................................................................ 25 Customer Operations .............................................................................. 25 Page 3 of 83

IDBI Bank : RFP Financial Inclusion Project

Reimbursement to Bidder towards Enrollment, Registration and Card7.8 issuance .......................................................................................................... 26 7.9 7.10 7.11 7.12 7.13 7.14 7.15 7.16 7.17 7.18 7.19 8 Handling of Cash by the Bidder: ............................................................. 26 Bidders Operations at the customer contact points .............................. 27 Customer Account Operations ............................................................. 28 Interface with Rural ATMs & Point of Sale Terminals ......................... 30 Status marking of the Smartcards/accounts ......................................... 30 Account Closure by the Customer ........................................................ 30 Remittance Services ........................................................................... 31 Other Products and Services ............................................................... 31 Management Information System: ........................................................ 31 Review and Monitoring Mechanism ...................................................... 31 Internal and External Audit .................................................................. 32

Technical Specifications: .............................................................................. 33 8.2 8.3 8.4 8.5 8.6 8.7 8.8 8.9 8.10 8.11 8.12 8.13 8.14 8.15 8.16 8.17 Technology Architecture for the solution ................................................. 33 Inter-operability ...................................................................................... 34 Data Backup & Contingency Planning ..................................................... 34 Technology Controls ............................................................................... 34 Basic functions of the Application ........................................................... 35 Smart Card Specifications ...................................................................... 36 Biometric/Finger Print Image Acquisition ................................................. 37 Minutiae ................................................................................................. 38 Integration with UID Scheme ............................................................... 38 Cardholders Indentity Data ................................................................. 39 Handheld devices: ............................................................................... 39 Fingerprint Scanner ............................................................................. 40 Central Smartcard Management System .............................................. 42 Intermediate System / FI Server .......................................................... 42 Interface with Core-Banking System (Finacle) of the Bank .................... 43 Card Personalization: .......................................................................... 43

9

Bidders Response and Opening of Bids ........................................................ 44 9.1 9.2 9.3 9.4 General Terms of Bid submission ........................................................... 44 Preparation of Bids ................................................................................. 45 Contact details for submitting the proposal: ............................................. 46 Proposal format ...................................................................................... 46

IDBI Bank : RFP Financial Inclusion Project

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9.5 9.6 9.7 9.8 9.9 9.10 9.11 9.12 9.13 9.14 10

Technical Bid ......................................................................................... 47 Clarifications to RFP and Pre-Bid Meeting .............................................. 47 Commercial Bid ...................................................................................... 48 Performance Guarantee ......................................................................... 50 Organization of bid ................................................................................. 50 Opening of the bids ............................................................................. 51 Examination of the bids ....................................................................... 51 Evaluation Methodology ...................................................................... 51 Opening of Commercial Bid and Evaluation .......................................... 54 Awarding of Contract ........................................................................... 54

Terms and Conditions ................................................................................ 56 Terms and Conditions of the Proposal ................................................. 56 Right to Alter Quantities ...................................................................... 59 Intellectual Pro