Smart Financial Suite (Micro Financing) Mobility covers the following modules. 1) Loaning Application 2) Borrower's Application 3) Branch-less Banking 4) Pre & Post Loan Utilization 5) Financial Module 6) Business Intelligence 7) Poverty Score Card 8) HR & Payroll integration

1. WORKING FOR THE SOULS
SMART FINANCIAL SUITE - Mobility
Enterprise MobilityTM

2. Enterprise MobilityTM
Interactive, Innovative, Impressive
Anywhere Anytime…

3. Process Flow02
Features of App03
Timeline and Planning01
AGENDA

4. Implementation Stages
Phase I LaunchingKick off Meeting Phase II Rollover

5. Process Flow (At Field Level)
LAF data entry will be done
at the doorstep of clients
and all the soft copies of
client related documents will
be taken by the Credit
Officer along with their GPS
recordings.
Credit officers
Data Entry
That file will automatically
be displayed at BM login
once submitted by credit
officer . The BM will conduct
100% client appraisal using
GPS technology of SMART
Suite.
Branch Manager
Verification 01
Area Managers will conduct
100% desk appraisal and
random field appraisals as
per SOPs.
Area Manager
Verification 02

6. Process Flow (At Head Office Level)
The file then move on to next
level that is risk officer
appraisal. An Independent 100%
appraisal will be ensured using
GPS technology. The data will
be rechecked to make sure its
completeness, validity and
accuracy.
Risk Officer
Final Approval
Finance department will
allocated the XPIN (System
Generated) and cheque send
the approved clients list to
bank for uploading in their
system and disbursement to
clients. After successful
uploading of file these XPIN
will be sent back to branches
Finance Department
Xpin/Cheque
As the branch received the
popup for the availability of
funds against their requested
clients for disbursement. They
will give the XPIN
codes/Cheque to clients for
encashment from designated
banks
Branch Staff
Disbursement

7. Past vs Now

8. Environmental friendly solution ( first step
towards paperless banking)
Based on cash flow lending/credit scoring
tool developed by M-Cril
Real-time data processing
Geo tagging of clients and tracking via google map
Reduction in turnaround time (TAT)
Cost effective solution for clients
On the go approvals
Environment
Digital transformation
Enhanced Customer Services Client and Staff Tracking
Portfolio Management
Real-time staff location & monitoring
Intimation to client about their loan
application status
Hassle free handling of clients related documents (softcopy)
Independent client appraisal, compliance
and audit using GPS technology
Seamless portfolio transfer
Reduce staff dependency for client tracking
Follow-up of recoveries, clients commitments
and nearby overdue clients popups
Loan application process tracking and real
time recovery posting view
Due recovery messages to clients
Salient Features of Smart FS

9. NADRA Verisys Integration
Easily traceable clients data base Reduction
in errors, mistakes and fraudulent activities
Capacitating credit officers for the
upcoming era of advance technology
Data removal (against pre-defined criteria)
from TAB once uploaded to server
Technology Advancement
Data Security
Staff Capacity Building
Transparency & Risk Mitigation
Authorized access through VPN
Connectivity
Data and app protection via launcher
Availability of online reports, especially
related with due and overdue clients
Decentralization of credit bureau enquiries
Data accuracy using OCR technology
Automatic poverty scorecard data
extraction
Different dashboard according to user rights Reduction in the risk of lost of data
(physical files)
A step towards standardization
Salient Features of Smart FS

10. DISTINCTIVE FEATURES

11. High Operational Efficiency/TAT
Less Human Effort
On The go Approvals
High Data Accuracy
Portfolio Growth Overall
Mobility Features
Time Management

12. Increased Geographic Presence/Outreach
More Products & Services Offering
Improved Customers Experience
Proactive Clients’ Traceability
Ultimate Risk Coverage
Mobility Features
Fully Optimized

13. A Bundle of Aspiring
Modules with Lots
More Options
Business Intelligence
Dashboard

14. Reducing TAT Using Real Time Connectivity
Borrower
Credit Officer
Head Office
Area & Regional
Offices
Branch Office

15. Distinctive Modules

16. Modules
Disbursement
Overdue Clients
Loan Tracking List
Reports
Follow up Clients
Nearby Clients
Approvals
Recovery Form
Digital Verification

17. Borrower’s/Client’s Digital Verification

18. Disbursement Management
 Basic Client Information
 Group Formation
 Loan Formation Information
 Client Business Information
 Details of Domestic Income
 Household Facilities & Health Status
 Household assets, Livestock & Cash flow
 Loan Utilizer information
 Guarantor Information
 Attachments
 Loan Submission form

19. Approval Management
 Standard List of Pending Approvals
 Search Member wise Approval Status
 View/Print Loan Application Form
 On Approval Rejection Notify to User

20. Submit Case Approval(s) Flow
Credit Officer
Branch Manager
Compliance Officer
Area Manager
Program Manager
 Credit Officer Enters Data
 Credit Officer Approval
 Branch Manager Approval
 Compliance Officer Approval
 Area Manager Approval
 Program Manager Approval

21. Overdue Clients View
 List of all Overdue Clients
 Applicant List with Detail
 Show Data as per Rights

22. Nearby Clients View
 View Clients during Field work
 View Clients on Google Map
 Trace Clients and view Detail on Google

23. Borrower’s/Client’s Location on Map

24. Credit Officer’s Location on Map

25. Loan Tracking List Management
 List of Current Loan Application in Process
 Search Pending, Approved and Rejected Cases
 Trace Client By CNIC and Product

26. Recovery Management
 Enter Recovery individual/ Group Wise
 Search Facility for Quick Data Entry
 List Recover Records