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NRI Financial Technologies India Pvt. Ltd. Globsyn Crystals, Tower 1, 6th Floor, loc! "P, #ector $, #alt La!e "lectronics Co%&le' (ol!ata )***+1, India www.NRIFinTech.co%
Table Of Contents
TABLE OF CO TE TS !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! " !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! " " E#EC$TI%E S$&&AR'!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ( ) CLIE T SPECIFIC RE*$IRE&E TS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! + ( ,ETAILS OF T-E %E ,OR!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ". + OFFERI /S!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ") 0 APPROAC-!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! "0 1 OT-ER!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! "1
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-o summari.e t e credit!ort iness of t e consumer$ t is system analysis t e credit istory of t e consumer and assign a rating called credit score. - is can be used to decide t e credit!ort iness of t e consumer. )eports are generated by creditor category. - is can be used by central ban# or credit mar#et to assess t e credit ris# in eac sector. )eports are generated by collateral. - is can be used by central ban# or credit mar#et to assess t e credit ris# associated !it eac collateral.
/pplication !ould be -o access t e system$ t e member institution ave to accessed by member register t emselves in t is system. 0f all members in t e institutions t roug out t e country register in t e system$ all of t em !ill be allo!ed to country access t e application. Currently C)02 as over - e system is able to andle t is muc concurrent user and 1333 concurrent users. more "depending on t e configuration). "- is is estimated to be increased to 4333 !it in t e ne5t t ree years.) Centrali.ed 0- operations bac#ed by a real time data replication in a disaster recovery site*mode - e data are replicated in a bac#up server locations in real time 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 6.1 Module/Main Functional Area 7ile formats to collect information from various data sources suc as 2an#s$ financial institutions$ &icro 7inance institutions$ 8tility providers$ 0nsurance providers$ )etailers etc Vendor Response C(V$ 7i5ed 9engt te5t$ :ipe*tab delimited. Our system supports different file formats and is totally configurable.
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6.%
6.+
&ec anism to interface*integrate !it ot er sources suc as Department of )egistration of :ersons * Department of )egistrar of Companies * Department of ;lections * )egistrar of &otor Ve icles * (ecured -ransactions )egister. < en t e credit data !ill be received for t e Data validation first time for any consumer*debtor $debtor$ t at data !ill be validated !it ot er sources "as prescribed by t e user). /nd going for!ard ne5t on!ard t e data !ill be validated !it t e system data. Online monitoring system to manage (ervice providing user can see credit data data collection$ loading and updating registration status$ report request data$ audit !it online alerts$ mails $ )eport logs reports$ access logs. and &0( )eports etc. Data Dissemination - e system generates various information li#e credit report$ report by creditor segment$ and report by collateral$ credit score to support assessing credit ris#. - is information are generated based on t e user>s request. - e credit reports can be accessed in + !ays. Different !ays "Configurable) 0t can be requested t roug !eb screen$ or t oug ot er application or t roug batc for bul# request. General public can request for is* er o!n credit report. Once generated t e report can be do!nloaded from t e screen or can be mailed to registered mail id. - e user can see all t e requests and t e reports requested by im* er. Credit )eport Credit (core )eport by creditor segments )eport by collateral. /udit )eports
6.1
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Different access met ods <eb ? /ccess ,ost@to@,ost ? 2atc ? processing Online access for general public to t eir o!n credit report
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Different type of information services suc as credit reports$ credit scores targeting different segments suc as ban#s and financial institutions$ micro finance institutions$ utility providers$ insurance providers$ retailers regulator$ courts etc. &onitoring of data dissemination suc as &0(*statistical *audit reports and /lerts. :roduct &anagement
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A.1 C C.1
:roduct configuration and pricing Data &anagement and Dispute ,andling Dispute andling !or#flo! for users suc as general public$ bureau users ;tc &anaging data corrections "(ingle * 2ul#) suc as credit facility details$ borro!er profile etc. 0nstitution and 8ser &anagement
C.%
13
&ember institution$ member institution office and t e user !ill be managed by t e service providing enterprise user.
13.1
Online registration and management of &ember institution$ member institution office and t e user !ill be managed by t e service member institutions$ bureau providing enterprise user and t at is t roug subscribers and users from various online only. segments suc as ban#s$ financial institutions$ micro finance institutions$ utility providers$ insurance providers$ retailers etc Online registration and management of General public user can register by t emselves only if t ey ave any istory in t e system and users of general public for bureau at least one of mobile no or email id is (ervices registered in t e system. management of internal "administration) users - is user !ill ave access to all operations of t is system including member$ office$ and member user management.
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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 alert system etc.
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Customi.ed product and services targeting different segments of t e credit mar#et suc as utility providers$ insurance providers$ retailers etc. 2illing and /ccounting 2ills !ill be generated for members on a periodic basis based on t e agreement !it t e members. - e status of payment of t e bill !ill be maintained in t e system.
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,andling of periodic invoicing online 2ills are generated on a periodic basis on t e predefined date. Once t e bill is generated$ it !ill be sent to t e member. - e member user can see*do!nload any bill t at belong to t at member. 0ntegration !it accounting system - e bill payment istory and t e outstanding amounts are maintained in t e system. - e service providing user can see t e status of payments and outstanding of all members. &ember user can monitor its o!n payment and outstanding.
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1+ 1+.1 1+.%
(ecured -ransactions )egister (ecured :arty )egistration D &anagement )egistration$ &aintenance "amendments$ Continuations and terminations) of pledged Collaterals$ Debtors$ (ecured parties. (earc ing for pledges based on #ey identifiers
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1+.1 1+.4
/dministration D configuration management 0nter module* service * system integration " core business system * /ccounting system integration ) :roduce Eotices and compre ensive &0( reports ardware S!stems Vendor Response
1+.6
Integration with Software and No 11.1 11.% 11.+ 11.1 11.4 "ther s!stems
Online :ayment Gate!ays ;mail (ystem &obile (&( Gate!ays ,and eld devices "specification of t e and eld to be provided) (ecured -ransactions )egister "applicable if t e vendor is unable to provide t e functions of t e (ecured -ransactions )egister !it in t e core application). /n accounting pac#age
11.6
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# No 1
$etails of the Vendor $etails of Ser%ice &ro%ider Eame and address of t e Vendor. Vendor Response E)0 7inancial -ec nologies 0ndia :vt. 9td. Globsyn Crystals$ -o!er 1$ 6t 7loor$ 2loc# ;:$ (ector V$ (alt 9a#e ;lectronics Comple5 Fol#ata =333C1$ 0ndia Eomura )esearc 0nstitute@ =$=33 Eomura )esearc 0nstitute 7inancial -ec nologies@ +43 "based out of Fol#ata$ 0ndia office)
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Vision$ &ission (tatements Eumber of years in operation. (i.e of t e company in terms of t e number of people
+.1 Details of t e Consultants No Area of )ist of '(pertise 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 name/ address and the details of the contact person )ist of products and modules implemented +ear of .omments implementation
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+.+ (ales )evenue and :rofit No 2 6 $etails -otal )evenue "8(D) "&ay include services ot er t an 0- related) :rofit before ta5 "8(D) 0121 0122 +%6$+%A +A$1%6 0120 ++4$441 1+$14+ 012#3pr o4ected5 +6+$A33 11$333
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"fferings
1.1 Details of :roducts Offered No Name of &roduct &roduct $escription 3list of product acti%ities5
1.% -raining No 1 -raining Requirement &et od of training available "e.g.$ one@to@ one$ classroom$ -rain@t e@trainer$ etc.) Vendor Response 0nitial trainings !ill be conducted over t e !eb using collaborating tools li#e <eb;5. - e trainings !ill be concluded in face@to@face sessions !it t e users at mutually convenient locations. /ll trainings !ill be based on t e user manuals t at !ill be provided !it our /pplication. /dditional training materials !ill be provided as and ! en required. E)0 7- !ill provide training for an agreed upon fi5ed duration only. % /bility to transfer #no!ledge to C)02 0personnel in order for t em to provide 1st level support to system users. E)0 7- !ill provide proper user manuals of t e application and also$ give user training for application operation. / team !ill be provided for t e support of t e application. (upport @ - is !ill cover issue resolution and ans!ering questions on system functions. )e%el 2 support !ill be provided by local (rilan#an partner of E)0 in (rilan#a. )e%el 0 support !ill be provided by E)0 7- from Fol#ata$ 0ndia. <e organi.e separate training sessions on belo! : 1.:roduct 7unctionality -raining for ;nd@8sers %.:roduct /dministration and -ec nical -raining for (ystem /dministrators 7or 8sers$ !e conduct a compre ensive training on our application covering all t e modules. "Details provided in t e -ec nical :roposal 7or (ystem /dministrators$ !e !ill train t em about t e various application configurations.
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1.+ (upport No 1 Support Required Details of t e approac $ escalation etc. of t e support provided. &roduct .apa*ilities :rioriti.ation of (upport calls G 1st level of call !ill go to our local partner in (rilan#a; t ey !ill try to resolve t e query$ in case if it>s not solved it !ill be routed to E)0 7- employees in Fol#ata. " detailed level of escalation matri5 and issue resolution is provided under section 1 of t e -ec nical document) 9evel 1 (upport G -a#en care by local (rilan#an partner of E)0 and !ill be responsible for providing immediate support on demand of t e users. 9evel % (upport G -a#en care by E)0 7- 0ndia from its Fol#ata centre and !ill andle all bug fi5es and c anges in t e code. -elep one (upport G -o be provided by our 9ocal 0- partner ,ours of (upport G <e !ill provide %1 ours support :rioriti.ation of (upport calls G 1st level of call !ill go to our local partner in (rilan#a; t ey !ill try to resolve t e query$ in case if it>s not solved it !ill be routed to E)0 7- employees in Fol#ata. " detailed level of escalation matri5 and issue resolution is provided under section 1 of t e -ec nical document) + ,ours of support available "t is s ould cover t e actual support$ and not only t e response time for a support request) 0nitial guidance to users !it t e elp of local partner "for first +3 days) &onitoring day to day user action items and troubles oot ! en required "for first C3 days) 9% support "as mentioned in (upport and &aintenance contract)
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;5tensive 8ser &anuals ! ic includes (tandard operating procedures$ detailed e5planation on 2usiness and /pplication concepts. /nd also !e provide customi.ation documents "if any ne! feature is added to t e e5isting system) - ese includes$ include data flo! diagrams$ entity flo! diagrams$ program narratives and file*table layouts also t ere is an on@line elp documentation on user$ tec nical and implementation documentation
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Approach
4.1 0mplementation Details No 1 Implementation $etails 9ist of main activities to be performed during implementation for eac relevant product offered - e activities involved !it training and support - e proHect deliverables /ctivities to facilitate t e C)02 in data migration "e.g.$ provide data cleansing services$ etc.) Vendor Response 0nitial guidance to users !it t e elp of local partner "for first +3 days) &onitoring day to day user action items and troubles oot ! en required "for first C3 days) 9% support "as mentioned in (upport and &aintenance contract
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-o accomplis t is$ E)0 !ill require support to t e fullest e5tent possible from t e members of C)02 or its system implementers to understand t e current system and its data model. Guidelines !ill be provided to t e members so t at t ey are able to migrate and e5isting data and validate t e same post migration. - is can also be provided as a service outside t e fi5ed price scope of t is proposal. -ransaction data migration !ill be offered to t e bro#er members as a service t at is not !it in t e scope of t e proposal. - is activity$ if assigned !ill be e5ecuted in parallel to t e development process
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6.1 Confidentiality Details No 1 .onfidentialit! Requirements &aintain ig confidentiality of t e acquired information "(uc as information related to business$ facilities$ customers$ etc.) from t e C)02 /bility to enforce confidentiality even after t e implementation proHect is completed /bility to sign a Eon@Disclosure agreement prior to submission of t e )7: Vendor Response E)0 7- 0ndia agrees and stipulates t at t e provision of t is agreement are fair and reasonably necessary for t e protection of t is business and ot er protectable business of t e company.
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