Digital Lending System Proposal PDF

SOLUTION PROPOSAL
Smart credit lending starts with counter1-serve

SOLUTION PROPOSAL
What is Counter 1-Serve?
Counter 1 Serve is a cutting edge digital financial lending solutions product specialised in front-to-back
office banking solutions, covering Credit Risk Management, Cash Optimization, Trade Finance and other
related areas.
The Counter 1 Serve solution is fully modular and can be customized for specific business and regulatory
use cases.
We understand that a one size fits all solution doesn't address efficiencies, business growth or enhanced
transaction journeys.
The solid growth of Counter 1 Serve over our history proves our strategy driven by the attention to our
customers, our focus on the best technologies and practices, and the will for innovation.
With our customers in African countries representing leading financial institutions, we build strong, long
lasting partnerships built on innovation, trust and open communication.
Counter 1 Serve builds partnerships with recognized participants of the microfinance and bank IT
market.
Both bank and non-bank credit providers have adopted this mode of giving credit as enhanced by the
elaborate mobile money uptake and availability of credit profiling information in the digital space.
All these come with a flexible onboarding fee and a reasonable pay as you go rate on services offered,
with a free trial period. This makes it possible for every client to afford and have a guarantee of
performance and support at minimal cost
https://www.businessdailyafrica.com/corporate/tech/Platform-makes-Sacco-loan-processing-easy/4258474-4810498-cbtvpe/index.html
3
SOLUTION PROPOSAL
Introduction to Modules
• Multichannel client on boarding.
• Clients Appraisal info Module.
• Loan Management system.
• Payment Modules.
• Accounts Reports/ledgers.
• Client Reports.
• Customer feedback hurdles.
• White label Branding.
• Messaging API integration.
• KYC Integrations
- Government Central database API

- Credit Reference Bureau (CRB) integration and con
figuration.
- Mobile money API integration and commissioning
Mobile Based Account Opening/ Member Registration.
The mobile Banking system allows members to join the Organi-

zation conveniently using their mobile phones via the following
interfaces:
• Mobile App (Android)
• Mobile USSD (optional)
Registration process
• Mobile App (Android)
Download the Application from play store and register
Benefits of Digital Lending explained further.
4
https://www.standardmedia.co.ke/ktnnews/video/2000161631/tech-amp-co-operatives-empowering-cooperatives-through-digital-space
SOLUTION PROPOSAL
By a click of a button your clients can

acces your services .
Register
Account Details
MPESA No. e.g 07200000
Account number
PersonalDetails
FirstName
firstname
MidName
Midname
LastName
Lastname
National IDNo
e.g 12345678
Email Address
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SOLUTION PROPOSAL
Admin portal interface

You will acess different reports by aclick of a button
Clients Appraisal info Module.
The system can be used as a dynamic

Complemetary credit scoring using:
Third Party
Apps
Deposits & Mobile Money/ 1. Band approach to graduation from

General Banking
Mobile transactions one band to another and the reverse.
data
CREDIT
SCORING 2. Integration to Credit Reference Bureau.
PARAMETERS
3. Mobile Money Transaction history.
4. Borrowing history
Loan Credit
History Rating 5. Deposits.
6. Loan Prequalification.
Social
Media
7. Performance history.
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SOLUTION PROPOSAL
Users Management.
The control of the system is left to Organization’s administrator

who is enabled to create other users with different roles as
intended. Eg. An Organization can have one user doing entries
and another person to do the approvals. For control Purposes, we
effect maker checker policies.
Below is a functionality from admin Portal
User Payment Modules.

The system allows your users/Admin to view;
1. Paid loans
2. Unpaid loans
3. Partially paid
4. Overdue loans
Accounting Reports/ledgers.
Users can view all relevant reports for proper administration.
Examples;
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SOLUTION PROPOSAL
Commodity Based
lending Reports.
This applies where you wish to lend

to your clients for shopping purposes
(commodity based lending). We give
you full module to be able to get
sales reports for your partners. This
feature enables you to view;
Customer feedback
hurdle.
This functionality enables your

customers to send their feedback to
customer service which can be
compliments, complaints or
suggestions. When the customer
Service team acts upon this
feedback, the customer is sent an
action message via their
notifications inbox. This service
enhances communication between
the organization and the customers
It also allows the customers to get

messages directed to them from the
organization. The messages can be
invitation to meetings/Education
days, approvals of loans, feedbacks
from customer service etc.
9
SOLUTION PROPOSAL
White Label branding
The system is designed to accommodate/capture your unique

business requirements easily plus brand in your colors and
themes to fit your preference. We believe that technology comes
to complement your business, bring efficiency and streamline
your operations.
Messaging API integration.

The system allows an organization to integrate with a messaging
platform to enable them send regular reminders which can be
automatically programmed or one time triggered messages.
1. Loan payment reminders.

2. Notifications of any payments received by the organization.
3. Invitations to meetings.
4. Birthday recognition of your clients
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SOLUTION PROPOSAL
KYC INTEGRATIONS
Government Central database API’S
The system is seamlessly integrated with Government database,

this enables capturing of the relevant KYC details of the clients
automatically without any paper work.
This enables an organization to detect fake/malicious accounts.
CRB integration and configuration.
The integration has the following benefits;
1.1 Benefits to Lenders
A. Improved underwriting tools

B. Enhanced portfolio management tools
C. Reduction in Non Performing Loans (NPLs)
D. Increase in private sector lending
Note; The system can automatically share CRB data on Monthly basis
to the relevant authority.
Mobile money API integration and

commissioning.
Mobile money integration to lending institutions is the new thing
in the market. It allows clients to pay directly to their savings, loan
accounts via mobile money. This integration doesn’t require
human intervention for a successful transaction. Transactions are
real-time and it generates SMS receipts and account balance for
the client in real-time.
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SOLUTION PROPOSAL
Why choose counter1- serve.
1) Reduced risk despite growth of portfolio.

2) Cut turnaround times for loan applications from days to minutes.
3) Diversified range of products
4) Lend Conveniently
5) Serve more customers with your existing staff and branch network.
6) Faster Return on Investment.
7) CRM system to manage your clients and leads (optional)
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SOLUTION PROPOSAL
System Security Features
1. Maker checker functionality i.e. you need more than one

person to alter any detail of the system
2. Two factor authentication as used by Google. This allows you
to use a code that changes after every 60 seconds. This is
used hand in hand with username password
authentication.
3. Database encryption with Triple DES method
4. Server Firewalls. Our server has multiple layers of firewalls.
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Our Promise,
We provide a 24 hour support and
guaranteed uptime of services.
Note:
We offer a free trial period.
We look forward to give you unlimited solutions in Digital lending/Mobile Banking by using
unlimited mobile technology possibilities and offering free consultations on products
packaging.
Thank you.

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What are the main features of Counter 1-Serve?

What are the main features of Counter 1-Serve?

What modules does the Counter 1-Serve solution cover?

What modules does the Counter 1-Serve solution cover?

SOLUTION PROPOSAL

Smart credit lending starts with counter1-serve

What is Counter 1-Serve?

- Government Central database API

The mobile Banking system allows members to join the Organi-

• Mobile App (Android)

Download the Application from play store and register

Benefits of Digital Lending explained further.

By a click of a button your clients can

MPESA No. e.g 07200000

Admin portal interface

Clients Appraisal info Module.

The system can be used as a dynamic

Deposits & Mobile Money/ 1. Band approach to graduation from

The control of the system is left to Organization’s administrator

Below is a functionality from admin Portal

User Payment Modules.

This applies where you wish to lend

This functionality enables your

It also allows the customers to get

White Label branding

The system is designed to accommodate/capture your unique

Messaging API integration.

1. Loan payment reminders.

Government Central database API’S

The system is seamlessly integrated with Government database,

This enables an organization to detect fake/malicious accounts.

CRB integration and configuration.

The integration has the following benefits;

1.1 Benefits to Lenders

A. Improved underwriting tools

Mobile money API integration and

Why choose counter1- serve.

1) Reduced risk despite growth of portfolio.

System Security Features

1. Maker checker functionality i.e. you need more than one

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