About Us

ADFinance is an African ICT company created in 2007.
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ADFinance is an African ICT company created in 2007 with Head Quarters in Kigali, Rwanda. We provide a broad technical scope of solutions to microfinance institutions & support more than 400 branches of SACCOs across over five countries in Africa. We do offer ITES/BPO to small MFIs that allows them to have access to our latest technology with less investments. Our multidisciplinary team has various competences ranging from software engineering, banking, accounting, information systems as well as microfinance practices. This allows us to provide holistic solutions to our clients in the microfinance and banking industry. Leader in Business Intelligence and Customer Relationship Management, and a major player in e-Business, we leverage a unique combination of technical, functional and industry specialization, as well as partnerships with all of the key software vendors, to deliver maximum value projects and help clients break through barriers to innovation such as Big Data, Digital Transformation & Cloud Computing.

ADBanking

99% Complete

Training

85% Complete

Information Systems

95% Complete

720

Happy Customers

50

Dedicated Staff

305

Integrated Systems

50

Dedicated Staff

720

Happy Customers

Our Products

What Microfinance Institutions Need
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Core Banking System

ADBanking is an integrated Information System designed for microfinance institutions. It has four main core interlinked modules that include the following:

1. Customer Management Core Module (Know your customer) that manages corporations (formal business and other organizational entities) or Individuals who can be members of groups such as lending groups & informal groups.

2. Savings Core Module that supports the savings policy of a microfinance institution, by allowing the management of unlimited number of savings products of various types such as Current accounts (deposits and withdrawals); Savings plans (limited term, with several deposits and one withdrawal); Term deposits (One deposit and one withdrawal after a pre-determined period of time); Additionally savings products of those types can be configured based on various criteria, such as interest calculation methods, type of fees, and more.

3. Loans Management Core Module allows configuration of unlimited number of loan products based on several criteria like Interest calculation methods (flat interests, decreasing interests, decreasing interests with fixed principal); Periodicity (monthly, weekly, bi weekly, annual, quarterly, daily); Types of fees.

4. Accounting Core Module allows origination of accounting transactions from operational modules such as savings or from the accounting module itself. Other main features of this module include: Web Based (no client software on work stations); Real time multi branch (clients do transaction from any branch); Rich reporting features (more than a hundred built in reports and custom reports generating tools)

Business Intelligence Module

The BI module was designed to meet MFI's managers’ needs in reporting and consolidation. This module allows to have an overview of the whole Information System in consolidated or separated (per branch) reports. A set of management reports are provided, including accounting reports (balance sheet, trial balance, and income statement), credits reports (poradfinanceolio aging schedule, risk per economic sector, risk per customer category) and savings reports (inventory of savings account per customer category, per savings products) Besides those management reports, regulatory reports are also provided. All regulatory reports for central banks of Rwanda, Burundi and BCEAO are available in consolidated format or per branch. With ADBanking BI module, MFIs can also have adhoc reports tailored to their particular needs. Managers can be able to have customized dashboards with a 360° degree view of their MFI in one screen.

Business Intelligence

Channel Manager (API)

Now days an ecosystem of payment systems is rising; branchless banking is becoming a reality; and a number of peripheral applications are being deployed in MFIs. That's why ADBanking Channel Manager, an Application Programming Interface (API) for ADBanking Core Banking System was developed. The Channel Manager allows third party applications to interact with the core banking system where those applications can retrieve data from the core database and can post transactions. The Mobile Banking module and Internet Banking module use the Channel Manager to interact with the core banking system. Due to the Channel Manager, a third party human resources management system is also linked to ADBanking.

Application Programming Interface

Mobile Banking Module

It allows MFIs’ customers to interact directly with the core banking system through their mobile phone hand set. Core functionalities include; Transaction alerts, Balance inquiry, Mini statement, Account to account transfer, and Credit installment reminders. The most interesting feature in this module is the interaction with e-wallet. A customer can transfer money from his mobile money virtual account to his account in the MFI and vice versa. This allows to MFIs to partner with Mobile Network Operators to use mobile money agents as cash in/out outlets, hence reducing significantly the operational costs in running branches while expanding their outreach.

Mobile Banking

Internet Banking Module

Internet Banking Module allows to end users (MFIs’ customers) to manage their accounts online, through secured website accessed through a web browser on their personal computers. The Main functionalities of this module include:


E-mail transaction alerts
Periodic accounts status
Real time history of the account
Account to account transfer

Internet Banking

Our Services

What We Provide To Our Customers
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Needs Assessment

This service is proposed as part of implementation activities after acquisition of ADBanking Core Banking system or any additional modules. This systematic process is done to help improve the performance of our clients by identifying gaps, defining strategic priorities & thus design appropriate and customized solutions.

Training

End users' training (fundamentals of ADBanking Core Banking System), Training of trainers (advanced skills in ADBanking Core Banking System and/or related modules), System administration (database & server administration), Auditors training (Audit trails in ADBanking), AD hoc training (Depending on needs)

Core Banking Implementation

A good system is useless & even dangerous when it's badly implemented; these steps are part of ADBanking Core Banking implementation: Customization using information from gap analysis; Data migration from the legacy system; On-site support for newly trained users until they feel confident and comfortable.

Custom Developments

In some cases, MFIs require custom developments, requesting specific functionalities that are not part of our current products. Our multidisciplinary team works together to develop customized solutions that are integrated to other standard modules, in line with requirements that were defined by the MFIs.

Information System Design

The Information System is not made only of the Core Banking System. Our consultants provide mentoring and coaching to MFIs in designing a master plan of all components of the Information System that would fully facilitate the operations of the MFIs and enable them to scale their services.

Development of Procedure Manuals

Usually MFIs have procedures manuals before the computerization. After going live, those manuals become incompatible with the Core Banking System, thus our Microfinance specialists and ADBanking consultants help MFIs to document their business processes in an automated manner.

IT services outsourcing / ITES/BPO

Running an internal IT department is too expensive for small MFIs. We propose cloud based implementation whereby our teams can manage their servers and provide 1st level support to users. This cost sharing allows small MFIs to have access to our latest technology with less investment.

Customer Support

Our teams of professionals provide second and third level support to all the MFIs using the ADBanking Core Banking System and related modules. This support is provided online through our ticketing system or on site depending on the nature of the problem to be fixed.

Our Clients

Their Business Depends On Us
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Our Blog

We Need To Keep You Informed
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March 22, 2017

Microfinance In Development

Microfiance plays an important role in the development of smaller communities across the globe. The emergence of various technologies that have facilitated the operations have further improved the effectiveness... READ MORE

January 7, 2017

Value Of ADBanking System

While technology continues to transform businesses around the world, the number of systems performing different functions is quite overwhelming, sometimes making the choice very difficult about which systems... READ MORE

November 19, 2016

Need For Business Intelligence

Business Intelligence (BI) has picked up a lot of attention in the corporate world as a result of its ability to turn raw data into meaningful information. The term BI dates back as far as the 1860s, though in 1989, Howard Dresner... READ MORE

February 15, 2017

Application Programming Interface

While technology continues to transform businesses around the world, the number of systems performing different functions is quite overwhelming, sometimes making the choice very difficult about which systems... READ MORE

December 27, 2016

Power Of Mobile Banking

Mobile Banking refers to the use of mobile devices by customers to remotely interact with the banking systems. Adding Mobile Banking to the list of services offered by Microfinance Institutions puts a great deal... READ MORE

October 3, 2016

Leveraging Cloud Computing

The term “Cloud Computing” refers to Internet based computing that provides on demand shared computer processing resources and data to other computers and devices. It enables institutions to focus... READ MORE

Contact Us

Fill The Form or Call Us
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RWANDA

ADFINANCE RWANDA LTD
UMOJA Building, 6th Floor
+250 252 581 148
+250 788 503 435
BP 213 KIGALI

BURUNDI

ADFINANCE BURUNDI
Immeuble KWA NGOMA
Rue du Progrès Rohero
+257 22 27 85 67
BP 2990 BUJUMBURA

BURKINA FASO

COTIS GROUP
14Bp197Ouagadougou14
+226 74 25 68 63
+226 70 72 18 19
+226 68 00 00 83

MAURITIUS

ADFINANCE LTD
Bâtiment BG Court
Route St Jean
et Avenue d'Epinay
Quatre Borne