Smart BankerZ - Total Solution for Banking / Finance Sector

Main Features

+ Dash Board

• Snapshot of essential information

• Color-coded alerts

• Direct access to outstanding loans

• Multi-criteria search tool

• Universal Keyboard Shortcuts

• Multi currency

• Multi-branches

• Multi-user

• Multilingual

• Search engine (multi-criteria search, search filters)

• Dozens of customizable settings

+ Customer Management Module

• 4 types of clients - individuals, solidarity groups, non-solidarity groups (village banking), corporate

• Customer Information: more than 100 fields of information (address, economic status, family status, financial situation)

• Manage your photos, signatures, and unlimited number of attachments per customer

• Monitoring the client: an overview of credit contracts and savings in current and past,

• Social Indicators

• Customisable extra fields

• Links between customers

• Blacklists & watchlists

• Geographical Management

+ Management of loan products

• Unlimited number of Credit Products

• A credit product can be associated with any type of customers

• Unlimited type of installments, periodicity 100% customisable (days, months)

• 3 Types of interest calcualtion -: flat, Declining Balance-equal monthly installment (EMI),Declining Balance - Equal principal installment

• Customizable repayment schedules

• Exotic schedules management

• Management of credit cycles

• Line of Credit

• Guarantors and collateral management

• Grace Period

• Funding lines

• Multi currency

• Customizable loan cycles

• Both accrual and cash accounting

+ Loan product fees

• Entry fees

• Late fees

• Grace period

• Anticipated partial repayment

• Anticipated total repayment

+ Loan disbursment

• Credit Committee management

• Simulation of the loan before disbursement

• Fast disbursement and repayment

• Edit and Print loan contracts and collateral agreements

• Edit and print customer’s repayment schedules

• Audit trail of loans approvals, suspensions, refusals

• Ability for the loan administrator to cancel operations

• Loans of non-solidary groups can be managed with different amounts and schedules

+ Loan repayment

• Automated calculation of all installments

• Print collection sheets

• Rescheduling of the loan

• Restructuring Loan

• Customisable Management for weekends, holidays, vacation

• Grace period on principal and / or interests

• Penalties (anticipated partial / total repayment)

• Repayment amounts automatically calculated with detail of interests charges and fees

• Option for Manual repayments

• Total repayment

• Separate schedules for non-solidarity groups

• Automated processing of back office repayment in generating the list of transactions expected for a loan officer

+ Savings products

• Unlimited number of savings products

• Current account management, with or without interests

• Savings accounts

• Term deposit accounts

• Compulsory Savings

• A savings product can be associated with any type of customer

• Calculation of interest on the minimum balance

• Customisable installment for interest calculation (day(s), week(s), month(s)…)

+ Savings products fees

• Entry fees

• Closure fees

• Periodical management fees

• Deposit fees

• Withdrawal fees

• Transfer fees

• Management of overdrafts

• Fixed fees for overdraft

• Agios on savings accounts

+ Teller management

• Cash book report

• Opening / closing teller

• Bank notes management

+ Guarantors and collateral

• Management of guarantors

• Customisable management of collaterals

• Unlimited number of types, subtypes and description of collaterals

• Minimum coverage rate for the disbursement

• Distinction between guarantors and collateral for coverage

+ Accounting

• 100% customisable Chart of Accounts: can be used with any chart of account

• Creation of accounting rules related to the MFI Chart of Accounts

• Multi currency

• Daily closure of operations

• Detailed records of a movement

• Interfacing with your current accounting solution

• Export to third-party solutions

+ Reports

• Over 40 reports

• Reports recommended by CGAP

• Parameterized Reports

• Consolidated reports for multi branches

• Edition with Crystal Reports

• Ready to print

• Export to Excel or PDF

+ Roles and Security

• Each user have it’s own login / password

• Creation of roles with distinction read / write permissions

• Unlimited groups and users

• Audit Trail: log all transactions by user

• All events are marked with the name of the user

• Edition of Historical for each client account

+ Funding lines

• Supports multi-currency financing

• Help to forecast cash requirements

+ Multiple currencies management

• Compatible with any type of currency (with cents or without)

• Operating uni-currency and multi-currency: Loans disbursed in local currency indexed to a base currency and / or loans disbursed in two currencies

• Daily setup of exchange rate

• Coverage of the exchange rate, calculate gains and losses

+ Database management

• SQL Database

• Backup and restore data quickly and easily

• Multi-base

• Backup and send daily automated FTP

• Multi-branches consolidation