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Proposal to ServeCredit

Information Bureau of Sri Lanka CRIBfor System Implementation

NRI Financial Technologies India Pvt. Ltd.Globsyn Crystals, Tower 1, 6thFloor, loc! "P, #ector $,

#alt La!e "lectronics Co%&le'(ol!ata )***+1, Indiawww.NRIFinTech.co%
http://var/www/apps/conversion/tmp/AppData/Local/Microsoft/Windows/Temporary%20Internet%20Files/Content.Outlook/AppData/Local/Microsoft/Windows/Temporary%20Internet%20Files/Content.Outlook/AppData/Local/Microsoft/Windows/Temporary%20Internet%20Files/AppData/Local/suvradeepg/AppData/AppData/AppData/AppData/AppData/AppData/AppData/Local/Microsoft/Windows/AppData/Local/Temp/AppData/AppData/Local/Microsoft/Windows/Temporary%20Internet%20Files/AppData/Local/Microsoft/AppData/Local/Microsoft/AppData/Local/Microsoft/AppData/Local/Microsoft/AppData/Local/Microsoft/AppData/Local/Microsoft/Windows/Temporary%20Internet%20Files/OLK50AF/www.NRIFinTech.comhttp://var/www/apps/conversion/tmp/AppData/Local/Microsoft/Windows/Temporary%20Internet%20Files/Content.Outlook/AppData/Local/Microsoft/Windows/Temporary%20Internet%20Files/Content.Outlook/AppData/Local/Microsoft/Windows/Temporary%20Internet%20Files/AppData/Local/suvradeepg/AppData/AppData/AppData/AppData/AppData/AppData/AppData/Local/Microsoft/Windows/AppData/Local/Temp/AppData/AppData/Local/Microsoft/Windows/Temporary%20Internet%20Files/AppData/Local/Microsoft/AppData/Local/Microsoft/AppData/Local/Microsoft/AppData/Local/Microsoft/AppData/Local/Microsoft/AppData/Local/Microsoft/Windows/Temporary%20Internet%20Files/OLK50AF/www.NRIFinTech.com

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System Implementation for CRIB Table Of Contents

TABLE OF COTETS

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" E#EC$TI%E S$&&AR'!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! (

) CLIET SPECIFIC RE*$IRE&ETS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!+

( ,ETAILS OF T-E %E,OR!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !".

+ OFFERI/S!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ")

0 APPROAC-!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!"0

1 OT-ER!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! "1

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System Implementation for CRIB Other

" E2e3utive SummaryThis Pro&osal has been &re&ared to serve to the #yste% I%&le%entation re-ire%ent orCredit Inor%ation -rea- o #ri Lan!a / CRI

0e believe that o-r sol-tion will acilitate CRI o&erations with a high degree o

a-to%ation while enabling e'ce&tion based %an-al interventions as necessary.The architect-re o the sol-tion allows or horiontal scaling to %eet -t-re thro-gh&-tvol-%e re-ire%ents and also ens-res a high degree o ada&tability to inevitablereg-latory and &rocess changes.

After readin4 t5ru t5e CRIB re6uirements7 8e RI FT 9omura Resear35 InstituteFinan3ial Te35nolo4ies Pvt ltd: to CRIB for t5is en4a4ement 8e 8ill use our

In addition, NRI also &ro&oses to oer its val-e adding services towards i%&le%entationand de&loy%ent s-&&ort, incl-ding integration and interace develo&%ent, data %igrationand conversion 2as re-ired3 and any other related sotware develo&%ent that %ay bere-ired.

0e believe that -sing a co%bination o o-r c-sto%iable o-t4o4the4bo' sol-tion, alongwith o-r val-e added services and s-&&ort tea%, NRI will be able to deliver the desiredsol-tion in a cost eective ashion, and also add val-e in s-&&orting the ban!5s ITsol-tion road%a& going orward.

0e are grate-l or this o&&ort-nity. 0e wo-ld li!e to ass-re CRI that we will be &-tting-& o-r best eort to deliver the desired sol-tion and ens-re its s-ccess-li%&le%entation.

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) Client Spe3ifi3 Re6uirements

No. Business Requirements Vendor Response

1

Dynamic requirements toquery and retrieve data.

Various data can be retrieved by various level of users:

1) General user ;

Can request for credit report. Once it is

generated te report are send to te registered

email id or it can be do!nloaded from screen

"user as to pay for tis report)

Can see te information relating its prior queries

"includes request made by tat customer or any

member )

Can see all te member !it !ic te consumer

ave any contract !it te contract details li#e

status$ open date$ contract no. etc.

%) &ember of an institution user:

'uery te status of registration from tis

member.

(ee invalid registration data.

equest for credit report for multiple

client*customer.

'uery to see te credit report requests and teir

status.

(ee and do!nload bills generated for tis

member.

'uery bill payment istory and outstanding

amounts if any.

+) (ervice providing institution user:

'uery registration status for all members:

'uery report request status from all members.

'uery members$ offices$ users.

'uery bill generation status.

'uery bill payment istory and outstanding

amount. ,istory of accessing te application by any user.

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% -o analye data andgenerate decisionsupporting analysis reports

-o summarie te credit!ortiness of te consumer$

tis system analysis te credit istory of teconsumer and assign a rating called credit score.

-is can be used to decide te credit!ortiness of

te consumer.

eports are generated by creditor category. -is canbe used by central ban# or credit mar#et to assess

te credit ris# in eac sector.

eports are generated by collateral. -is can be used

by central ban# or credit mar#et to assess te credit

ris# associated !it eac collateral.

+ /pplication !ould beaccessed by memberinstitutions trougout tecountry

-o access te system$ te member institution ave to

register temselves in tis system. 0f all members in te

country register in te system$ all of tem !ill be allo!ed to

access te application.

Currently C02 as over

1333 concurrent users.

"-is is estimated to beincreased to 4333 !itin te

ne5t tree years.)

-e system is able to andle tis muc concurrent userand

more "depending on te configuration).

4

Centralied 0- operationsbac#ed by a real time datareplication in a disasterrecovery site*mode

-e data are replicated in a bac#upserverlocationsin realtime basis. -e application !ill continue its service !it

ero do!ntime in case of disaster.0n order to ensure

continuous business operation.

Main Functional Requirements

No Module/Main Functional Area Vendor

Response

6.1 7ile formats to collect information

from various data sources suc as

2an#s$ financial institutions$ &icro

7inance institutions$ 8tility providers$0nsurance providers$ etailers etc

C(V$ 7i5ed 9engt te5t$ ipe*tab delimited.

Our system supports different file formats and

is totally configurable.

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6.% &ecanism to interface*integrate !it

oter sources suc as Departmentof egistration of ersons * Department

of egistrar of Companies *

Department of lections * egistrar of

&otor Veicles * (ecured-ransactions egister.

6.+ Data validation

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A.1 roduct configuration and pricing BBB Don>t #no!

C Data &anagement and Dispute,andling

BBB Don>t #no!

C.1 Dispute andling !or#flo! for users

suc as general public$ bureau userstc

BBB Don>t #no!

C.% &anaging data corrections "(ingle *

2ul#) suc as credit facility details$borro!er profile etc.

BBB Don>t #no!

13 0nstitution and 8ser &anagement &ember institution$ member institution officeand te user !ill be managed by te serviceproviding enterprise user.

13.1 Online registration and management of

member institutions$ bureau

subscribers and users from various

segments suc as ban#s$ financialinstitutions$ micro finance institutions$

utility providers$ insurance

providers$ retailers etc

&ember institution$ member institution officeand te user !ill be managed by te serviceproviding enterprise user and tat is trougonline only.

13.% Online registration and management of

users of general public for bureau(ervices

General public user can register by temselves

only if tey ave any istory in te system andat least one of mobile no or email id isregistered in te system.

13.+ management of internal"administration) users

-is user !ill ave access to all operations oftis system including member$ office$ andmember user management.

11 Value /dded roducts

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11.1 Value added products and services

covering all stages of customer life

cycle management suc as credit

scoring$ portfolio monitoring system$

fraud prevention$ advanced alertsystem etc.

11.% Customied product and servicestargeting different segments of te

credit

mar#et suc as utility providers$insurance providers$ retailers etc.

1% 2illing and /ccounting 2ills !ill be generated for members on aperiodic basis based on te agreement !it temembers. -e status of payment of te bill

!ill be maintained in te system.

1%.1 ,andling of periodic invoicing online 2ills are generated on a periodic basis on tepredefined date. Once te bill is generated$ it!ill be sent to te member. -e member usercan see*do!nload any bill tat belong to tatmember.

1%.% 0ntegration !it accounting system -e bill payment istory and te outstandingamounts are maintained in te system.

1%.+ &onitoring of billing and accountingsuc as &0($ alerts etc.

-e service providing user can see te status ofpayments and outstanding of all members.&ember user can monitor its o!n payment andoutstanding.

1+ (ecured -ransactions egister

1+.1 (ecured arty egistration

&anagement

1+.% egistration$ &aintenance"amendments$ Continuations and

terminations) of pledged Collaterals$

Debtors$ (ecured parties.

1+.+ (earcing for pledges based on #ey

identifiers

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1+. /dministration configuration

management

1+.4 0nter module* service * system

integration " core business system *

/ccounting system integration )

1+.6 roduce Eotices and compreensive

&0( reports

Integration with Software and ardware S!stems

No "ther s!stems Vendor Response

1.1 Online ayment Gate!ays

1.% mail (ystem

1.+ &obile (&( Gate!ays

1. ,andeld devices "specification of

te andeld to be provided)

1.4 (ecured -ransactions egister

"applicable if te vendor is unable to

provide te functions of te (ecured-ransactions egister !itin te core

application).

1.6 /n accounting pac#age

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# $etails of the Vendor

No $etails of Ser%ice &ro%ider Vendor Response

1 Eame and address of te Vendor. E0 7inancial -ecnologies

0ndia vt. 9td.Globsyn Crystals$ -o!er 1$

6t7loor$ 2loc# $ (ector

V$

(alt 9a#e lectronicsComple5

Fol#ata =3331$ 0ndia

% Vision$ &ission (tatements

+ Eumber of years in operation.

(ie of te company in terms of te number of

people

Eomura esearc 0nstitute@

=$=33

Eomura esearc 0nstitute7inancial -ecnologies@ +43

"based out of Fol#ata$ 0ndia

office)

4 9ist of certifications*a!ards on te products offered

+.1 Details of te Consultants

No Area of

'(pertise

)ist of

Business$omains

Num*er of

+ears,'(perience in

-he $esignated

Area

I- product/

module/Implementatio

n

Area handled

&rofessional

ertifications"*tained.

+ou ma!

attach copies

of the

same

+.% Customer -estimonials

No ustomer nameaddress

and the details of the

contact person

)ist of productsand modules

implemented

+ear ofimplementation omments

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7 "fferings

.1 Details of roducts Offered

No Name of &roduct &roduct $escription 3list of product acti%ities5

.% -raining

No -raining Requirement Vendor Response

1 &etod of training

available "e.g.$ one@to@one$ classroom$

-rain@te@trainer$ etc.)

0nitial trainings !ill be conducted over te !eb using

collaborating tools li#e

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.+ (upport

No Support Required &roduct apa*ilities

1 Details of te approac$escalation etc. of te supportprovided.

rioritiation of (upport calls 1st

level of call!ill go to our local partner in (rilan#a; tey !illtry to resolve te query$ in case if it>s not solved it

!ill be routed to E0 7- employees in Fol#ata.

" detailed level of escalation matri5 and issue

resolution is provided under section of te-ecnical document)

% -ype of support available

"e.g.$ 1st$ %nd$ +rd level

support).

9evel 1 (upport -a#en care by local (rilan#an

partner of E0 and !ill be responsible for

providing immediate support on demand of te

users.

9evel % (upport -a#en care by E0 7- 0ndiafrom its Fol#ata centre and !ill andle all bug

fi5es and canges in te code.

-elepone (upport -o be provided by our 9ocal0- partner

,ours of (upport s not solved it

!ill be routed to E0 7- employees in Fol#ata.

" detailed level of escalation matri5 and issueresolution is provided under section of te

-ecnical document)

+ ,ours of support available

"tis sould cover te actual

support$ and not only teresponse time for a support

request)

0nitial guidance to users !it te elp of local

partner "for first +3 days)

&onitoring day to day user action items andtroublesoot !en required "for first 3 days)

9% support "as mentioned in (upport and&aintenance contract)

. Documentation

No $ocumentation &ro%ided &urpose of the $ocument

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1 8ser manuals$ (O 5tensive 8ser &anuals !ic includes (tandard

operating procedures$ detailed e5planation on2usiness and /pplication concepts.

/nd also !e provide customiation documents "if

any ne! feature is added to te e5isting system)

% aper basedCD@O&Online

-ese includes$ include data flo! diagrams$entity flo! diagrams$ program narratives andfile*table layouts also tere is an on@line elpdocumentation on user$ tecnical andimplementation documentation

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6 Approach

4.1 0mplementation Details

No Implementation $etails Vendor Response1 9ist of main activities to be

performed during

implementation for eac

relevant product offered

0nitial guidance to users !it te elp of local

partner "for first +3 days)

&onitoring day to day user action items and

troublesoot !en required "for first 3 days)9% support "as mentioned in (upport and

&aintenance contract

% -e activities involved !it

training and support

+ -e proHect deliverables

/ctivities to facilitate te

C02 in data migration "e.g.$provide data cleansing

services$ etc.)

-o accomplis tis$ E0 !ill require support to

te fullest e5tent possible from te members ofC02 or its system implementers to understand

te current system and its data model. Guidelines

!ill be provided to te members so tat tey areable to migrate and e5isting data and validate te

same post migration. -is can also be provided as

a service outside te fi5ed price scope of tis

proposal.

-ransaction data migration !ill be offered to te

bro#er members as a service tat is not !itin te

scope of te proposal. -is activity$ if assigned!ill be e5ecuted in parallel to te development

process

4 Details of te licensing

strategy employed

"concurrent$ named user$ etc.)

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8 "ther

6.1 Confidentiality Details

No onfidentialit! Requirements Vendor Response1 &aintain ig confidentiality of

te acquired information

"(uc as information related to

business$ facilities$ customers$etc.) from te C02

E0 7- 0ndia agrees and stipulates tat te

provision of tis agreement are fair and

reasonably necessary for te protection of tis

business and oter protectable business of tecompany.

% /bility to enforce confidentialityeven after te

implementation proHect is

completed

+ /bility to sign a Eon@Disclosure

agreement prior tosubmission of te 7

E0 7- 0ndia is ready to sign a Eon@Disclosure

agreement prior to submission of te 7.

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