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#17MCSum 
mit 
Title 
Text here 
M-Shwari Mobile Banking 
Murray Gardiner – Director of Community Banking at Temenos 
17TH MICROCREDIT SUMMIT 
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
Asia Pacific 
Australia 
Bangladesh 
China 
Hong-Kong 
India 
Indonesia 
Japan 
Malaysia 
Pakistan 
Singapore 
Taiwan 
Thailand 
Vietnam 
#17MCSum 
mit 
Global reach - Temenos 
17TH MICROCREDIT SUMMIT 
GENERATION NEXT: INNOVATIONS IN MICROFINANCE 
Americas 
Canada 
Costa Rica 
Ecuador 
Mexico 
USA 
Middle East 
& Africa 
Egypt 
Kenya 
Lebanon 
Morocco 
Saudi Arabia 
South Africa 
UAE 
Europe 
Belgium 
France 
Germany 
Greece 
Kazakhstan 
Luxembourg 
Netherlands 
Romania 
Russia 
Spain 
Switzerland 
Turkey 
UK 
Our global network enables us to be close to our clients, understand 
their requirements and deliver solutions quickly and accurately 
3,700 
employees 
57 
offices 
38 
countries
Mission 
Embracing and powering 
disruptive innovation to 
stay ahead in the digital 
age – the M-Shwari 
mobile bank in Kenya 
Vision 
The most successful 
mobile bank in Africa 
with plans to expand to 
neighbouring countries 
#17MCSum 
mit 
M-Shwari Mobile Banking 
Numbers 
• Launched in Nov 2012 
• 3 million customers 5 
months after launch 
• 100% STP 
• One single integration 
hub 
• 70,000 subscribers on 
day 1 of launch 
Business benefits 
• Implementation time 
reduced threefold; 
launched in only 5 months 
• Commercial viability in less 
than half the time initially 
forecasted 
17TH MICROCREDIT SUMMIT 
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
#17MCSum 
mit 
17TH MICROCREDIT SUMMIT 
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
#17MCSum 
mit 
The technology 
17TH MICROCREDIT SUMMIT 
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
#17MCSum 
mit 
Integration framework: 
Code-free design of interfaces to/from 
T24 
Exploitation of platform partner 
middleware 
Out of the box model bank interfaces 
CBA – M-Shwari Integrated 8 interfaces 
in 2 months. 
17TH MICROCREDIT SUMMIT 
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
To payment gateway 
We were developing six separate subsystems 
#17MCSum 
mit 
Financial Event Side Effects 
T24 
Financial Event 
To back office 
To front office 
To risk 
To data warehouse 
To GL 
17TH MICROCREDIT SUMMIT 
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
#17MCSum 
mit 
17TH MICROCREDIT SUMMIT 
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
#17MCSum 
mit 
Title 
Text here 
Thank you 
Murray Gardiner – Director of Community Banking at Temenos 
17TH MICROCREDIT SUMMIT 
GENERATION NEXT: INNOVATIONS IN MICROFINANCE

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Temenos - Technology-Enabled Financial Inclusion Solutions

  • 1. #17MCSum mit Title Text here M-Shwari Mobile Banking Murray Gardiner – Director of Community Banking at Temenos 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE
  • 2. Asia Pacific Australia Bangladesh China Hong-Kong India Indonesia Japan Malaysia Pakistan Singapore Taiwan Thailand Vietnam #17MCSum mit Global reach - Temenos 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE Americas Canada Costa Rica Ecuador Mexico USA Middle East & Africa Egypt Kenya Lebanon Morocco Saudi Arabia South Africa UAE Europe Belgium France Germany Greece Kazakhstan Luxembourg Netherlands Romania Russia Spain Switzerland Turkey UK Our global network enables us to be close to our clients, understand their requirements and deliver solutions quickly and accurately 3,700 employees 57 offices 38 countries
  • 3. Mission Embracing and powering disruptive innovation to stay ahead in the digital age – the M-Shwari mobile bank in Kenya Vision The most successful mobile bank in Africa with plans to expand to neighbouring countries #17MCSum mit M-Shwari Mobile Banking Numbers • Launched in Nov 2012 • 3 million customers 5 months after launch • 100% STP • One single integration hub • 70,000 subscribers on day 1 of launch Business benefits • Implementation time reduced threefold; launched in only 5 months • Commercial viability in less than half the time initially forecasted 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE
  • 4. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE
  • 5. #17MCSum mit The technology 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE
  • 6. #17MCSum mit Integration framework: Code-free design of interfaces to/from T24 Exploitation of platform partner middleware Out of the box model bank interfaces CBA – M-Shwari Integrated 8 interfaces in 2 months. 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE
  • 7. To payment gateway We were developing six separate subsystems #17MCSum mit Financial Event Side Effects T24 Financial Event To back office To front office To risk To data warehouse To GL 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE
  • 8. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE
  • 9. #17MCSum mit Title Text here Thank you Murray Gardiner – Director of Community Banking at Temenos 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE