Digitizing microfinance
About awamo
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Frankfurt & Kampala (Uganda)
10+ years of Africa experience
Microfinance & credit rating experts
Our goal:Creating opportunities through access to finance
ANJARWALLA & KHANNAAfrican Law Firm of the Year 2013
Sponsored by:
Prejudices and misconceptions
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result in overseeing Africas potential
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Typical associations with Africa
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lack of skilled labor
diseases
poverty
corruption
warfareterrorism
pirates
But there is more to it
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promising demographics
leapfrogging technology
improving infrastructure
political stabilization
high GDP
Access to finance in sub-Saharan Africa
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80% 15% 5%
Population coveragebanks & credit bureaus
Regulated vs. unregulated financial institutions
Large portion of the populationexcluded from formal financial services
Microfinance today
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> 60%costs & risk
?
Microfinance tomorrow
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Credit Reports
Fron
t-End
Back-En
d
MIS/CRM system
Credit Data
2
3
Mobile Office (app)
1
Microfinance tomorrow
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Mifos-X will provide the transactional core
Open Source platform for microfinance Available on GitHub Licensed under the Mozilla Public License
Active developer community Highly customizable Stateless UI and REST-based API
Key features Individual loans, group loans Savings accounts Basic CRM/KYC functionality Reporting functionality
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Technical overview: the platform
Enabling
BiometricIdentities
ScoringEngine
Accounts Reports
Process Engine Integration
MobilePayment
ExternalData Source
MobileOffice (App)
Web(MIS, CRM)
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Open Source Technologies will make this project possible
Build on top of: and we will add:
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The agile startup, ready to roll:Remember TIA (This is Africa)Business processes Are defined and aligned with local needs Chief Product Officer with broad banking
experience
Software development Agile approach, SCRUM-based Adopt to new/changing customer
requirements Balance perfection and pragmatism
Operations and deployment Continuous delivery Asset-free hosting (cloud technology)
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Award winning team looking to expand
awamo.com/careersSponsored by:
Contact us
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www.awamo.com
+49 162 2420 192niedner.ext@awamo.comsniedner
Philipp NeubChief Operating Officer
Co-Founder
+49 172 88 77 537neub@awamo.com philippneub
Dr. Sven NiednerSenior ICT Consultant
Webmontag Frankfurt
