However, most of the current schemes are largely paper based (due to the problems providing computer technology locally) which limits their effective reach in the remotest areas and requires a degree of literacy that may difficult to meet locally. In addition the use of paper can additional problems in maintaining accurate records as it can be difficult to input written records into the computer systems running the micro-finance service.

These all unnecessary levels of cost and inefficiency that impact the overall effectiveness of tThe mobile phone is a key technology that can be easily deployed to remote locations (subject to network coverage). In addition to being used for voice and SMS texting, the average mobile phone is also capable of having a localised version of our SecureLink Java applet loaded to provide simple loan management and data capture facilities.

The applet communicates with a modified version of our pre-pay topup service that provides a complete loan management and risk analysis / fraud management service as well as a multi-level service portal that enables the local management team to monitor the whole loan system from end to end. The system can also provide comprehensive reports for the officers of the NGO or other body financing the whole system.he whole service.

Mi-Pay’s solution offers a number of benefits:

• Low operational overhead through Mi-Pay providing hosting and operational support
• We remove some financial risks because we  handle the foreign exchange management and settlement to the receiving country
• Supports regulatory requirements by providing comprehensive fraud screening service to support anti money laundering (AML) and know your customer (KYC) processes as required by government regulation
• Wide variety of payment methods and channels supporting increased take up of the service
• Lower cost per transaction allowing competitive pricing for consumers
• Mobile channels available as a complement to Internet, providing for further market penetration

MobileFrame has d a unique software platform that allows business users with no IT background to develop and deploy complex mobile applications, enabling data collection and managed workflow to be seamlessly integrated from the field to backend systems. MobileFrame customers can connect to backend enterprise systems in real-time and capture rich data types such as documents, digital photos, voice notes, bar code scans, digital signatures, etc., while in the field. MobileFrame''s award-winning Smart Architecture^TM integrates intelligent networking with a thick client so the mobile worker always has complete workflow available whether or not network connectivity is continuously available. When the smart client senses wireless or wireline connectivity, the system automatically sends and receives queued transactions, content and messages.

MobileFrame''s Smart Architecture seamlessly integrates a GUI Desktop, any-to-any relational client/server databases, intelligent Client device rendering and autonomous network synchronization all into one seamless platform. Using MobileFrame''s Smart Architecture, novice computer users can build and deploy sophisticated mobile applications, and make changes on-the-fly, without the need for professional IT services. Business administrators use the MobileFrame Desktop and MobileFrame Database to define and maintain business processes and data access. When the MobileFrame Monitor autonomously senses network availability, it transmits those processes to ed remote client devices across any wired or wireless TCP/IP connection (WAN, LAN, 802.11, GPRS, dock). The MobileFrame Client operates on any .NET enabled handheld device, including Pocket PC PDA''s, Tablet PC''s or Laptops.

This unique solution allows mobile workers and remote machines to be integrated with business administrators and backend enterprise systems more flexibly and cost effectively than ever before. Using a simple GUI, business users can quickly and easily and deploy mission critical applications that maximize productivity of workers in the field.

Powerful and intuitive, RQ4 is an integrated, on-demand retail management solution allowing you to:

The intuitive and user-friendly design of RQ4 allows r staff to serve customers faster, more effectively and with greater confidence than ever before.

• Product Experts: Employees have access to all the information they need to make the right product recommendations or solve problems in a timely manner.
• Scan Anywhere: Scan a bar code at any point in the software and RQ4 will automatically open up a new sale and Phone Activation Wizard specific to the product scanned - reducing transaction times.
• Increase Profitability: Effortlessly guide customers through the up-selling and cross-selling process to add extra value to each sale.
• Centralized Data: Customer data is centralized and accessible - ensuring personalized service at every touch point.
• Application Integration: Integration with third-party applications  - allow you to serve customers faster and more effectively

• Intermediates between handsets and back-office systems & databases
• Tracks transactions with five 9s uptime — 99.999% — even if back-office system or database is down
• Provides complete transaction visibility, reports, analyses including—
  • Transaction information
  • Audit and security information
  • Fraud detection information
  • Market segmentation information

This non-programmatic configuration feature dramatically cuts costs and time to market, and keeps the system safe from bugs — because the Mobile Designer does not touch any program code.

The Mobile Designer also keeps up with an organization’s requirements so that the ESE evolves with the business — and helps the business evolve with the market.

GCASH requires only a mobile phone and a one-time registration, with a minimal charge of P1.00 per GCASH transaction. GCASH dramatically expands the menu of mobile commerce transactions, and has provided the low income economic class and overseas workers access to the relevant services below:

Domestic and International Remittances
Sending of money via GCASH as supported by a wide cash-handling network, including leading local and international remittance companies backed by reputable settlement banks.

Micro-Payments
Payments for purchases from the growing list of merchant partners, including essentials such as government taxes, medicines, boat fares, food, mobile prepaid credits (load), and schools and office supplies.

Micro-Credit Payments
Allows disbursement of loan principals and payment of loan interest and amortization payments to lower income consumers with limited access to banks.

Bills & Tuition Fee Payments
Allows payment of bills of various utility companies, internet service providers, insurance companies, as well as schools and universities.

The micro-finance institutions who are implementing the PortaCredit program have reported significant cost-savings in non-salary operational costs. PortaCredit is now fully implemented at several Latin American MFIs.