Automation of SACCOs - FSD Kenya

AUTOMATION OF SACCOS: ASSESSMENT OF POTENTIAL SOLUTIONS • 55
ID opportunity Benefit obstacle Change requirement System requirement
5 Use historic loan performance Cost effective marketing. Not applicable. Capture data about
The GL needs to
and cost per acquisition to
target marketing activities.
Manage which type of
customers are acquired
marketing activities such
as marketing channel,
target customer type
capture financial data
with sufficient detail
including cost centres
and cost.
and product codes.
A developed marketing Customer data such
strategy including
as new members per
awareness of cost per marketing activity,
acquisition, average de-activated and re-
revenue per user, churn, activated members,
and customer lifetime transactions per
value.
member, etc.
V) Integrate systems
ID opportunity Benefit obstacle Change requirement System requirement
1 Create a network of branches. No customer can harm the
SACCO by exploiting lack of
coordination.
A comprehensive and
up-to-date picture of
the SACCO is available to
management at all times,
reducing risk significantly.
The SACCO reflects and
is more aligned with its
customers who are not
stationary but might
interact with multiple
branches.
Complete customer data is
continuously available.
The available
infrastructure in rural
parts of Kenya has as
of yet proven to be
insufficient to provide
sufficient connectivity
to integrate a multibranch
SACCO on
one instance of the
application.
The vendors try
to optimise the
applications to
be ‘light’ in the
sense that the data
transfer requirement
is minimised but
some SACCOs
still experience
performance issues.
This could of course
still be mainly due to
the bandwidth and
not the application.
Not applicable. Satisfactory connectivity
between branches and
head office.
The system needs to have
the ability to provide the
application remotely either
a client-server structure or
as a web application.
Coordinate multiple
installations through
a robust structure that
prevents remote locations
from falling out of sync with
head office and transact
when the connection is not
available.