A comprehensive,secure & user friendly

Sacco /MFICore Banking &

Management Solution

www.spotcash.co.ke

WhoWe Are

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Vision

What drives us?

Mission

Tangazoletu Limited is a Kenyan ICT firm that auto-mates business processes in every sector of the econ-omy to promote efficiency, sustainable innovation, and best practice. We develop and provide innova-tive, versatile and reliable ICT & Mobile Solutions.

We are also a trend setter in mobile solutions used by millions of Kenyans, every day and are licensed by Communication Authority to provide premium rate and content services.

Using creative and pioneering technologies, we have used ICT to create solutions to business process chal-lenges, transform different business and economic sectors such as mobile banking, micro-finance, health, distribution and retail.

To create a seamlessly connected world using ICT & Mobile Solutions.

We develop and provide innovative, versatile and reli-able ICT & Mobile Solutions that empower our custom-ers to achieve efficiency, productivity and convenience.

Core ValuesExcellence We endeavor to provide high quality products and services at all times.

Integrity We have made honesty and sincerity integral parts of our operations. We uphold this through strict adher-ence to the moral principles of honesty, trust, equity and transparency in all dealings and relationships.

Creativity and InnovationWe design and develop cutting edge products and ser-vices in Mobile Finance Solutions and ICT to enhance convenience, efficiency and effectiveness.

Client CentricWe listen and work with clients to design, develop and deliver responsive in Mobile Finance Solutions & ICT solutions.

TeamworkWe undertake all our business using joint effortwithin and with our partners.

Introduction to SpotCash CBS

Problem Statement

Tangazoletu’s Ltd seeks to transform the operations of the Saccos to cut down on operational cost and position the business for greater growth opportunities through automa-tion of the Sacco management processes to promote efficien-cy, sustainable innovation, and best practice. We target to achieve this through the proposition to imple-ment and avail the services of our Spotcash Core Banking Solution, developed by Tangazoletu.

SpotCash Core Banking System is highly favored by insti-tutions with a vision of growth & efficiency and it is:

According to SASRA, The SACCO industry in Kenya control 67% of the total assets and 62% of the total deposits for the entire continent1 and also contributes over 45% to the GDP2. It’s also estimated that at least one out of every two Kenyans directly or indirectly derives his /her livelihood from these kinds of cooper-ative movements.2

• Tried and tested in Australia, Africa, Europe, USA, Asia in over 300 institutions

• Follows accepted global best banking practices –international code of banking

• Brings you anytime anywhere banking convenience• Can be used to run the back office, front office or both• Can support

From 50 to over 1 Million Members1 to 300 interconnected branches3 to 1,000 staff

This has spurred the need for Saccos and MFIs to embrace technology and embrace alternative banking channels that would help the institutions serve their large clientele as well as run competitive and efficient businesses.

Kenya control 67% of the total assets and 62% of the total deposits for the entire continent1 and also contributes over 45% to the GDP2.

NIGERIA

SALVADOR

CALIFORNIAUSA

MINNESOTAUSA PENYSLAVIA, USA

IRELAND

ENGLAND

CANADA

ICELAND

SWEDEN

DENMARKLITHUANIA

INDIAMONGOLIA

SRI LANKA

MYNAMAR

SOUTH AFRICAAUSTRALIA

SINGAPORE

KENYA

UAE

THAILAND

BUHRAIN

SOUTHKOREA

TANZANIA

PHILLIPINES

LAOS

CAMBODIA

Powered by Soft4 in usein over 300 institutionsaround the world.

SpotCash CBS

3 SpotCash Core Banking Solution

4 SpotCash Core Banking Solution

Why Should I Get Spotcash CBS?

SpotCash Core Banking system guarantees your Sacco/MFI 4 main benefits as follows:

• SystemSecurityandFraudDeterrence• DataReliabilityandIntegrity• FactDrivenDecisionFramework• Scalabilityofgeographicalimplementation&multi-regional

deployment

These will ensure that your Sacco/MFI has:

• EffectiveandreliableFrontOfficeandOperations• FullBackOfficeAdministrationCapability• Professionalandefficientcustomer/membermanagement• A360degreeviewofmissioncriticaloperations• Versatile products and solutions: Savings accounts, loans

andmortgagesandtermdeposits• Multi-channelbankingsolutionsandsystems• Compliantstatutoryreporting• Businessintelligenceandmanagementreporting

5 SpotCash Core Banking Solution

01

ReportingFeatures

Every aspect and module ofthe Core Banking Systemcomes with its spcific reports.

03 Possible and easy to customize new reports as neededfrom time to time

05Possible to scheduleautomatic periodic reportsto be sent via email

All reports have filters todefine criteria e.g. periodand columns to display

02All reports are exportbale to Excel, Word and PDF.

04

Business Intelligence and analytical management reporting comes out of the box

06

With SpotCash Core Banking Solution, you can process all neces-sary Sacco health and regulatory reports:

• SASRAreports• CapitalAdequacyreport• Liquiditystatementreport• Statement of Deposit return

report• Statement of financial posi-

tionreport• Statementofcomprehensive incomereport

SpotCash CBShasSIXmainmodules:

Front office: Membership, current account, saving ac-count,loanadvances,telleraccountmaintenance.Back office: Periodical activities. E.g. E.O.D, S.O.D, Setupi.e.products,customerscategories,Bank&Cashaccounts,loansandReports.Finance management: General ledger setup, postingsandreports,fixedassets,inventory.Administration: I.T. administration task and applicationsetupe.g.userregistrationandpermissions.Sales and marketing Purchases

ModuleOne

ModuleTwo

ModuleThree

ModuleFour

ModuleFiveModuleSix

6 SpotCash Core Banking Solution

The proposed Sacco Management system has three aspects of its security to ensure system integrity and consistency as follows:

System SecurityThesystemensuresrolebasedaccesstothedifferentfea-turesandfunctionality.Usershavetologinusingthese-curelogininterfaceforsecuritypurposes.

Processes Security The system have a maker/checker workflow definitionandenforcement.Thesystemalsohasanendofdaytype

To maintain data integrity and boost customer confidence, custom-er accounts and transactions details need to be heavily guarded.

SpotCash CBS has a Data encryption management tool that enables data protection. Once activated, the data encoded in such a way that only SpotCash CBS applications can read it.

SpotCash CBS deploys on the Windows operating system and Micro-soft SQL Server; it’s composed of three major components namely:

Security

Database

ofreconciliationtokeepuptodatewiththemostre-cent transactionsandanestablisheddisaster recov-eryandbusinesscontinuityplan.

People Security The system has role segregation to accommodatedifferenttypeofuserswithdifferenttaskstoperformonthesystem,differentaccess levelsandapprovalswithinthesamesystem.Therightsandpermissionshavebeenenforcedinadditiontotheapprovallevels.

• The Database Server: Stores the SCBS data on Microsoft SQL Server

• The Application: A service that controls all aspects of SCBS opera-tion

• The Client(s): The actual user in-terface into CBS

7 SpotCash Core Banking Solution

UserFriendlinessSpotCash Core Banking Solution. Same familiar and easy to use interface with exceptional capabilities and results.

• Improved Productivity: SpotCash CBS is simple, compact, and easy to navigate.

• Great mobile support: This helps you to sign up new members and address customer issues on the ground; without them coming to the branch.

• Tight integration with the Microsoft Office system and Office Outlook: This allows you to easily export data into Ms excel or Ms Word.

• Fast: Access the precise information you need quickly and accu-rately by using the search filters, advanced find, and reporting tools features.

• Reduced Operational risks: The admin decides who has access to which information. It also gives you warning and notification mes-sages in case someone tries to get into a restricted area.

• Timely and accurate reporting: SpotCash is real-time. MPA trans-actions reflects on respective Gl accounts concurrently thus ensur-ing accurate reporting any time.

Administration

BOSA

DASHBOARD

FOSA

8 SpotCash Core Banking Solution

Bundled With

SpotCashMobileBanking 01

02

03

04 05 AlternativeBankingChannels

SpotCashE-Loan

SpotCash Agent Banking

OnlineBanking

• *645#• Usedby50+SACCOsinthecountry• Drivesupto80%ofSACCOtransactionsperday

comparedtoBranchbanking• Canbeusedanywherewheremobilephonehas

network

• ATMIntegration• BankingKiosk• PointofSaleintegration

• ApplyForEmergencyFunds• NoPaperwork• AutomaticProcessing• ReceiveCashonyourmobilewallet• ViewStatements

• Saccogetstheirownagentsanywhereinthecountry• Members can transact at any Spot Cash owned agent

anywhere• Saccodefinesproducts,costsandfeespertransactionto

be offered at agent location

• Membersaccessasecurewebportal• Saccodefinesproducts,costsandfeespertransactionofferedontheonlineportals• Canaccessthisanywhereanytimeintheworld–e.g.fordiasporabanking

9 SpotCash Core Banking Solution

. Integrated database,

. Easy to use user interface

. Highly encrypted data

. Productivity

. Customer service

. Confidence

KEY BENEFITSTO ALL INVOLVED

Features:

TELLER/FRONT OFFICE:

. Flexible & allows you to be proactive

CUSTOMERACCOUNTMANAGER:

. Control & ability to mitigate operational

risks

OPERATIONSMANAGER:

Ability to be prudent

CREDIT RISKMANAGER:

Meet compliance requirements and follow up targets

FINANCEMANAGER:

1) Microfinance ManagementSpotCashCBSsoftwareisdedicatedtomanagingfinan-cial services for micro-entrepreneurs and small busi-nesseswhichlackaccesstobankingservices.

2) Operational ManagementThismoduleoffersyouasinglepointofentry;this in-creases efficiency by eliminating redundant data, re-ducingerrorsandloweringmaintenanceandoperatingcosts.Itiseasytomasterandworkwith;itprovidestheinsti-tutionwithreal-timedata,integratedwithfinancialac-counting,documentmanagementandreportingtools.

3) Loan management This featureallowsyou tomanage theentire loan lifecycle in a single database application, from an initialrequesttofinaldisposition.Itsupportsbothloanorigi-nationandloanservicinginoneintegratedloanman-agementsystem.

Features:Itimprovesyourresultsbymanagingallaspectsofyourloan process pre-qualifying loan requests, processingapplications,commitmentprocessing,loandisposition,servicingandaccountingwithasingledatabaseappli-cation.

4)MortgagemanagementThis feature supports themanagement andprovisionoffinancialloans&/ormortgageloans.Amortgageissimplyamethodofusingpropertyas security for thepaymentofadebtanditissupportedintheSpotCashCBSsolution.

5)AlternativeBankingChannelsThisfeaturesupportstheadditionalaccesschannelsofbankingservicestoyourmembers:i.e.

a) SpotCashMobileBankingb) SpotCashAgentc) MobileAppsd) ATMWithdrawal(CardlessSystem)

0772 767 599 / 0712 464 670support@tangazoletu.com

SpotCash Core Banking,

HEROES 24x7

supported by ourCustomer Service Super

www.tangazoletu.com

facebook.com/tangazoletultd

@tangazoletultd

Solvingproblemsby Creating Client Centric SolutionsWe listen, research and create answers to your problems. Engage us.

Other Tangazoletu Products

Our Partners

0772 767 599 / 0712 464 670support@tangazoletu.com

SpotCash Core Banking,

HEROES 24x7

supported by ourCustomer Service Super

www.tangazoletu.com

facebook.com/tangazoletultd

@tangazoletultd

INNOVATION

EMPOWERING

OF DESERVING FINANCIALINSTITUTIONS THROUGH

GROWTH