PROFILEt e c h n o l o g i e s

s m @ r tc o d e #

A leading software development and automation rm that specialize in custom built software solutions that help organizations achieve extra ordinary efciencies, enabling them to better serve their customers.

ABOUT US

Who we are?

SMARTCODE PROFILE

1

To serve humanity through sustainable automation,

ethically.

Mission

Be a smart solutions provider with a foothold in every

African country providing solutions that transform

businesses.

Vision

SMARTCODE PROFILE

2

POCHI is our mobile lending and bill payments application that effortlessly combines functionality with improved user experience through better navigation & design.

POCHI has simplied customer on-boarding process with customer verication happening in real time through MNO and Government database verication. Customer credit scoring is done seamlessly through use of MNO mobile transactions data, CRB data and when possible core banking data. Customers can then access loans seamlessly and without human intervention. The platform also provides customers with access to utility payments for various billers available in the platform. Customer can also fund their wallets with ease through various methods availed in the platform.One of the key drivers of increased usage of mobile banking apps is the ability for customers to do more within an app.

POCHI1

An ISO8583 interface that handles ATM (Internal & Local Switches, Visa, MasterCard, China UnionPay, American Express, Discover, Diner's Club, JCB etc.), Mobile banking (Mobile APPs, USSD & SMS), Utility payments (Electricity- Prepaid & Postpaid, Water, PayTV, mVisa, MasterPass, Credit cards, Airtime, Tax Payments etc.) and other value added services for our clients.

SmartDHI2

SOLUTIONSSMARTCODE PROFILE

3

We offer transaction alerts gateway that integrate with core-banking systems, card systems and other critical systems keeping both the organization and its clients on the know on the various activities withing their account in real-time. The alerts platform has four major channels:

SmartAlerts

We offer institutions and organizations integration services to mobile money platforms. Our platform enables customers to send money to their phones and also to other mobile money users. The platform also enables customer to conveniently deposit funds to their account from mobile money wallets. The platform has a bulk payment module that enables corporate customers to make payments to their customers/members/ employees wallet in real time.

The platform also enables corporate or small medium enterprises to receive their paybill payments from customers directly to their bank account in real-time.

SmartSuite

Ÿ SMS AlertsŸ Email AlertsŸ Corporate Instant Payments Alerts (IPN)Ÿ Mobile Banking APP Notications

All the above services provide the institution and customers with ability to be proactive to monitor and also manage their accounts appropriately.

3

4

SMARTCODE PROFILE

4

Smart Online Banking

All the above services provide the institution and customers with ability to be proactive to monitor and also manage their accounts appropriately.

Continuous improvement and experience in banking sector has led to development of a world beating internet banking platform that employs most recent technology in ensuring a secure, customer friendly banking environment over the internet. Our experience in integration ensures that the deployment in smooth, timely and on budget. The platform offers corporate, personal and retail banking products. The platform also has a module for the SACCO fraternity where members can access their member statements, initiate loan request , Remote account opening, Dividend slips, Ask other members to guarantee a loan, view balances, perform funds transfer, mobile money and other essential services.

This is a robust mobile banking solution comprising of Mobile App (Android & IOS) and a USSD gateway. The solution seamlessly connects to the core banking system using our signature ESB Product SCAPI.

Smart Mobile Banking

5

6

SMARTCODE PROFILE

5

When dealing with a large enterprise networks, infrastructure, applications and business services, a single source of truth for proactive performance and availability monitoring will always come in handy.

SmartVizor will help your organization monitor server performance metrics such as CPU utilization & Disk Utilization which are critical attributes to keep an eye on to extrapolate the load on your CPU and assess the overall server memory utilization.

SmartVizor

Sometimes customers just want to know their account balances, loans balances and last ve transactions without going through a lot of hustle to access the same. Missed call banking offers just that. Customers dial specic numbers(short-codes) to access specic services. The mobile numbers are registered in the core banking making the verication process easy and straightforward.

Missed Call Banking

7

8

SMARTCODE PROFILE

6

SCAPI

This is our signature middleware solution currently serving our banking and insurance clients.The solution has the following components:

A Platform that enables nancial institutions with a relationship with safaricom to be able to serve Safaricom dealers and M-PESA agents. They can deposit money for purchases of airtime & merchandise directly from the bank channels or through the branches. The funds will reect in the dealer portal in real time.

SmartDealers

All the above parts act as cogs to provide one of the most efcient middleware currently in the market. The solution is highly scalable, secure, easy to monitor different activities and provides consistent and stable performance. The solution can be deployed on both windows and Linux environments.

Ÿ SCAPI BusinessŸ SCAPI ServerŸ SCAPI CoreŸ SCAPI MonitorŸ SCAPI Portal

9

10

SMARTCODE PROFILE

7

Our instant issuing platform enables nancial institutions to issue cards to customers instantly and within a few minutes of the requests. The platform also provides external channels with API to enable clients to make requests online and have the card delivered or collected within the shortest time possible. The Platform provide EMV Data preparation and Card Personalization services at an automated process ow that is convenient to both the institution staff and the customer

Instant Issuing

We provide customized tools that allows organization to gather data and through parameterize option be able to extract insights. The ultimate goal of our platform deployment is to provide suggestions and observations about business trends empowering you to better server your internal and external customers.

Reporting - Smartcode Business Intelligence Reporting Platform.

The benets of the platform can be realised through:

Ÿ Increase activation rates.Ÿ Increased card usage.Ÿ Increased Spend & Volume of Purchases.Ÿ Reduces the risk of Card interception & Fraud.

11

12

SMARTCODE PROFILE

8

13

The Loyalty platform awards points to customers based on transactions done in real time. This has been efcient in increasing the customer base as well as increasing the number of transactions done. Customers then have the ability to redeem their point

Loyalty Platform

Ÿ Increasing the workow speedŸ Operational optimization and forecastingŸ Streamlined procurement processŸ Customer analayisis and behavioral predictinŸ Utilization of real-time and historical dataŸ Informed strategic decison-makingŸ HR performance managementŸ Enhanced data qualityŸ Cost Optimization

Ÿ Utility payments Ÿ Airtime Ÿ Merchandise

SMARTCODE PROFILE

9

14

Our agency banking product offer nancial institutions the option of providing convenience and secure services to customers within the neighbourhood without necessarily walking into a branch. We ensure the platform being deployed meets the laid down regulatory compliance procedures.

Agency Banking & Merchant Payments

Ÿ Cash withdrawalsŸ Cash DepositsŸ Bill PaymentsŸ Remote Account OpeningŸ Balance EnquiryŸ Document collection for debit and credit cards, loan applications, and

account opening.Ÿ Microloans.

Some of the benets our platform will provide for your institution include:

Ÿ Increase customer baseŸ Enhance customer experienceŸ High Security

SMARTCODE PROFILE

10

15

We provide to Financial institution services that ensure that their networks and infrastructure are secure. We endeavor to keep the institution data condential, available and assuring of its integrity when stored or in transit.

Information Security

We provide to Financial institution services that ensure that their networks and infrastructure are secure. We endeavor to keep the institution data condential, available and assuring of its integrity when stored or in transit.

Industries

Ÿ Banking Ÿ Insurance Ÿ SACCOSŸ Non-Govermental

SMARTCODE PROFILE

11

SMARTCODE PROFILE

Some of our Clients

L B D I

12

Smartcode Technologies LimitedLife Ministry Building, 4th Floor, Rose Avenue, Hurligham, Nairobi, Kenya.

P.O. Box 286 - 00517 Nairobi Kenya.Phone : +254-20-3860442

Email : info@smartcode.co.ke

Contacts us

t e c h n o l o g i e s

s m @ r tc o d e #