BUNNA INTERNATIONAL BANK S.C.

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2 BUNNA INTERNATIONAL BANK S.C. EXPRESSION OF INTEREST (EOI) FOR THE SUPPLY, IMPLEMENTATION AND MAINTENANCE OF DIGITAL BANKING SOLUTIONS VENDOR SELECTION AND BUDGETARY COST REQUEST March 27, 2015

3 CONTENTS GENERAL INFORMATION Introduction Objective of the Expression of Interest (EOI) Format of EOI response and instructions to bidders... 5 BIB S OPERATING ENVIRONMENT Profile BIB s VMV BIB s processes Current ICT Architecture WHAT BIB EXPECTS FROM THE EOI PROCESS Budgetary Cost Project Implementation Options Project Timeline VENDOR RESPONSE Selection criteria Selection timetable INFORMATION REQUIRED Vendor profile and EFT POS Switch Related International Card Acquiring Business Card Banking Services and Infrastructure M-Wallet, M-Card, M-Agents Airtime Wallet, M-Loyalty Services and Infrastructure Mobile and IVR Banking Internet Banking E-Commerce Switch Certification Directors details Products and Services offered Personnel profile APPENDIX - A... 29

4 GENERAL INFORMATION 1.1. Introduction Bunna International Bank S.C. (BIB) is one of the fastest growing private banks in Ethiopia, with over twelve thousand shareholders, remarkably growing number of branches and customer base. Currently the Bank has 75 branches and hundred thousands of account holders. BIB has implemented its Core Banking Solution (CBS) in October 2014 and wants to expand the use of technology to more value add areas. BIB is committed to utilizing new technology based services and solutions in a continuous manner. BIB s current strategic document, running through the years up to 2017/18, underscores the importance of using technology as a means to: 1) Improve service delivery; 2) Achieve market leadership; 3) Enhance internal efficiency; 4) Generate more revenue; 5) Increase the Bank s customer base to over five million; 6) Expand its service reach working through branches, various channels and over 6000 Agents; 7) Assist in the Bank s asset growth and reach 20 Billion ETB or more in the strategy period; and 8) Attend to youth customers service needs by deploying over 125 ATMs and 500 POS terminals at merchant sites; and 9) Deploy over 6, POS, Hand-Helds and other channels to facilitate customer experience through its Agent Network. March 27,

5 BIB has allocated budget and needs to identify responsible partners to implement its Digital Banking Technology project as well as to size up this budget with its needs in the Digital Banking arena. In a bid to execute the projects identified in the Strategic Plan document, BIB intends to implement the Digital Banking solutions indicated in this EOI in all of its branches including the Head Office, Various Class of Agent s, Co- Brander s, Bank Correspondents and other service sites. BIB invites companies and firms which have capability and ownership of the various proprietary rights attaching thereto, to submit their responses for the whole or part of the Digital Banking elements requested. The components of Digital Banking for which EOI is requested for in whole or in part are the following: 1. International Card Acquiring; 2. Local Card issuing and Acquiring; 3. Agency Banking and Mobile wallet solution; 4. Mobile Banking Solution; 5. Internet Banking Solution; 6. EFT; 7. Electronic Commerce; and 8. Interface with EthSwitch and or/other local switches as required. The Digital Banking project, among other things, is expected to multiply channels that improve customer experience, assist in BIB s effort to push inclusion; enhance anywhere banking outside branches and provide service to customers 24X7. March 27,

6 The solution recommended must not be restrictive to any operating environment and should be deployable in a heterogeneous environment of OSs and hardware. BIB prefers not to incur any expenditure other than the cost of the solution itself and would like to layer the system over the existing infrastructure, excepting for such hardware it does not currently have. Vendors are encouraged to examine and size the existing infrastructure and indicate only additional needs, supported by adequate explanation. The service layered in the overall Digital Banking platform and the various channels shall be capable to accept transaction request through various means and through different authentication protocol (meaning they should be device agnostic and must inter-operate) from various channels. This document constitutes the formal Request for Expression of Interest (EOI) for the supply, implementation and maintenance of a Digital Banking Platform and is being availed on an open tender basis to companies or firms (hereinafter referred to as the proponent (s)/respondents(s) ) who have COTS or developed solutions and have ownership of the various proprietary rights attaching thereto and are interested in submitting a response Objective of the Expression of Interest (EOI) The objective of the EOI is to shortlist Proponents who would later be invited to submit detailed technical and financial tenders for the supply, implementation and maintenance of the various components of the Digital Banking project in full or partially that supports both the functional and technical requirements of BIB. March 27,

7 BIB s strategic-objective driven choice is predicated on the acquisition of a Technology Platform and SWITCH that performs, or enables BIB to launch, among other things, the following: Issuing/ acquiring whole gamut of card genres; Debit and ATM Cards denominated in local currency; Credit Cards denominated in local and foreign currencies; Pre-Paid Cards; Loyalty, Private Label, Gift Cards, Co-branded Cards, E-vouchers, etc.; Mobile top ups and charging; EFT (Electronic Financial Transaction); M-Wallet, M-Card, etc. and Mobile Banking; Agent and Bank Correspondent Support; Mobile Pre-paid Services; Money Transfer; and Others (to be discussed). The quintessential objectives of this EOI are two-fold, namely to solicit response and determine capacity and obtain ballpark estimates for the various components of the Digital Banking project. The Bank expects from proponents solid statement on pricing policy and cost estimates. Ball-park unit cost for devices and card, onetime and recurrent license fee, implementation, etc. should be provided per project component. The Bank seeks as many offers as possible from single source provider. This does not preclude single or couple of offers from a source, which are cost-effective and relevant. Vendors are required to describe their project experience relating to each component under request, project responsibilities and project engagement March 27,

8 modality. They are also expected to state their commitment towards Bank stated time line or provide change suggestion, if any Format of EOI response and instructions to bidders The overall summary information regarding the Digital Card Banking components is given in section 1.2 Objective of the Expression of Interest (EOI). The respondents shall include in their response any additional services or items considered necessary for the successful completion of the project. Responses to the EOI from respondents should be submitted in a sealed envelope, with the following caption written on it: EXPRESSION OF INTEREST FOR THE SUPPLY, IMPLEMENTATION AND MAINTENANCE of Digital Banking Project Respondents should provide one (1) hard copy and one (1) electronic (soft) copy of the response to the EOI in a CD. Responses to Section 5 INFORMATION REQUIRED should also be submitted in the Microsoft Excel Format provided The response to the EOI should contain the following: Profile of the company/firm as outlined in Section 5.1.and response to other requirements as requested from Directors Details as given in 5.9 List of products and services offered by company / firm as outlined in section Personnel profile as guided in 5.11 March 27,

9 List of reference sites as outlined in section 5.12.(exceptionally companies which have new products ( COTS or otherwise)and are willing to do proof-of-concept are exempted from this requirement); Copies of the last three years audited financial statements, new companies as stated above are exempted from this requirement, Copy of the certificate of incorporation; Product brochures (technical and user); The response documents shall be addressed to : The Office of the CEO Bunna International Bank S.C AratKillo-Dabir Building-2 rd Floor P.O.Box1743-Code-1110 Addis Ababa Ethiopia BIB reserves the right to accept or reject any response and to annul the process and reject all responses at any time prior to the award of the contract, without thereby incurring any liability to any respondent or any obligation to inform the respondent of the grounds for its action Cost of Preparing the EOI The respondent shall bear all costs associated with the preparation and submission of its response and BIB will in no case be responsible or liable for those costs, regardless of the conduct or outcome of the responding process. March 27,

10 1.3.5 Clarification of Response Document All correspondence related to the contract shall be made in English and in writing. Any clarification sought by the respondent in respect of the project shall be addressed at least ten (5) days before the deadline for submission of responses, in writing to the address indicated for the purpose. The queries and replies thereto shall then be circulated to all other prospective respondents (without divulging the name of the respondent raising the queries) in the form of an addendum, which shall be acknowledged in writing by the prospective respondents. Enquiries for clarifications should be sent by to the office of the CEO to with a copy to bibisd@bunnabanksc.com and bibischannel@bunnabanksc.com. March 27,

11 Amendment of EOI Document At any time prior to the deadline for submission of responses, BIB, for any reason, whether at its own initiatives or in response to a clarification requested by a prospective respondent, may modify the EOI documents by amendment. All prospective respondents that have received the EOI documents will be notified of the amendment in writing and it will be binding on them. To allow prospective respondents reasonable time to take any amendments into account in preparing their responses, BIB may at its sole discretion extend the deadline for the submission of responses based on the nature of the amendments Deadline for the submission of responses Responses should be addressed to the address indicated above. Responses sent by post should reach BIB by the deadline. Responses received after the above-specified date and time shall not be considered. Any response received by BIB after this deadline will be rejected Responsiveness of Responses The responsiveness of the responses to the requirements of this EOI is material. A responsive response is deemed to contain all documents or information specifically called for in this EOI document. A response determined not responsive will be rejected by BIB and may not subsequently be made responsive by the respondent by subsequent correction of the non-conforming item(s) out of deadline. March 27,

12 BIB S OPERATING ENVIRONMENT 1.1. Profile As of writing of this EOI Bunna International Bank S.C has 75 branches carrying out commercial banking activities and catering to the needs of its clients through its branches in Addis Ababa and all over the country. Broadly BIB offers the following services among others: Retail banking that encompasses Deposit Services, local transfers, loans to corporate, retail customers, individuals, SMEs and other business clients; Non-funded credit provision for a variety of entities and projects; Cross Border international banking operations, including Trade Services, guarantee, remittance, etc., and Forex Exchange BIB s VMV Vision Statement Our vision is to be a public-powered, uniquely flavored and the most accessible Bank. Mission Statement Our Mission is to provide distinctly flavored banking services, at conveniently accessible location/outlets, with unparalleled commitment to enhance values of key stakeholders and ensure public trust through diversification, state-of-the-art technology, and ethically motivated and knowledge-driven human capital." March 27,

13 Values Statement BIB persistently encourages the prevalence of a team spirit, so as to be truly successful; BIB considers its employees to be the greatest assets and resources of the Bank; BIB is so committed to meritocracy that it promotes professionalism and reward excellence in performance; BIB promotes Out of the box thinking and invests in feasible ideas; BIB promotes good corporate governance; BIB respects diversification; BIB works towards sustainable growth and profitability; BIB is committed to high quality; and As corporate citizen, BIB believes in discharging its corporate, social and environmental responsibilities. Motto; "Bank of the Visionaries" 1.3. BIB s processes BIB s core processes are: Credit and lending Transactions and payments processing Deposit and Investment Trade Services and International Banking HO and Inter-Branch A/C management A more detailed list of BIB s core processes has been included in Appendix A. March 27,

14 1.4. Current ICT Architecture BIB possess a single vendor sourced Core Banking Software (CBS), in an environment suitable to this CBS. In all of its city and outlying branches, BIB uses Infosys Finacle core banking application. The core banking application which is called Finacle sits at the datacenter and branches users, directly access all suits of application from there. The version of both applications presently deployed is V of the Finacles system. The CBS is running at BIB s Main Datacenter and Disaster Recovery Datacenter with Oracle Sun Sparc T5 Servers, Storages, Solaris & web logic. DC and DR are fully equipped with an up-to-date technology needed where both the hardware and software infrastructures are scalable enough to accommodate and entertain upcoming epayment infrastructures. As BIB has spent quite some money in the acquisition of the Finacle Core license and the requisite HW supporting this SW, it does not want to abandon these applications that might be rendered redundant in part as a result of the Digital Banking Project implementation or are in conflict with it. Neither would BIB abandon the HW and environment presently in place. BIB wishes to keep all hardware /OS/applications that it currently uses, except those which may be added as a result of the Digital Banking requirements. March 27,

15 WHAT BIB EXPECTS FROM THE EOI PROCESS 3.1 Budgetary Cost One aim of the EOI is to obtain offers and information from as many vendors that will help vouch the set budget or help to re-calibrate it. Towards this, we expect: Vendors to submit budgetary cost breakdown for: 1) License cost of the modules and sub-systems of the software that they propose for the Digital Banking projects under this EOI, such as the Switch, card management system, the risk and fraud management system, reconciliation, online monitoring, call center, etc. and including any 3rd party licenses required to operate the application. 2) Implementation service cost: Parameterization, Customization, Training and System Integration and related professional service works. 3) ATS (Annual Technical Support) fee: Post-live maintenance and support fee. EFT Vendors are required to present and submit the budgetary cost for: a) EFT Switch Solution with the very basic features and functionalities supported but not limited to Card Management and Switching Module, Reconciliation Module, National and International Network Interfacing Module, Online monitoring Module for all delivery channels operating through EFT Switch, Interfacing module for Mobile Banking, Internet Banking, Agent and Mobile Wallet Banking solutions. Please submit the whole list of the very basic functionalities. b) EFT Switch Solution with the very basic plus optional features and functionalities supported; please submit the optional features and functionalities. March 27,

16 c) EFT Switch Solution with end-to-end or fully-fledged features and functionalities supported but not limited to Card Management and Switching Module, Reconciliation Module, National and International Network Interfacing module, Online monitoring Module for all delivery channels operating through EFT Switch, Call center Module, Fraud and Risk Management Module, Electronic Journal Pulling Module, Centralized Finger Print, NFC and Barcode Authentication Module (for terminals supporting the functionalities), Internet Banking Module, Mobile Banking Module, Agency Banking and Mobile wallet Module. Please submit the whole list of the end-to-end fully-fledged functionalities. Non-EFT vendors can also independently quote for any one or more of the following solutions that shall be integrated with the Bank s EFT switch solution; please provide an exhaustive list of the features and functionalities for each solution: i. International Card Acquiring; ii. Agency Banking and Mobile wallet solution; iii. Mobile Banking Solution; iv. Internet Banking Solution; and v. EFT and E-commerce. 3.2 Project Implementation Options For reason of cost and time-to-market, and other certification related issues, BIB wants to follow different project options for different Digital Banking project components. As a result BIB requires vendors to indicate which kind of project execution engagement is suitable to them and at what cost. The Project engagement modes and approaches BIB envisages are: The Turn Key Project Revenue Sharing through Hosted or Out-Sourced mode Build Operate Transfer mode Transaction Based Project execution March 27,

17 Shared Investment Project Approach, and Combination of the Above. 3.3 Project Timeline BIB has a strict timeline for Digital Banking project and expects vendors to honestly assess the timeline given and respond affirmatively or indicate their justified improvisation of the timeline. The following are the timeline for the deployment of the various components of the project: Delivery of the required ATM, POS and other transaction driving equipment-90 days after signature of contract; International Card Acquiring- Project finish date 180 days from date of contract signing; EFT Switch and Interface with CBS:-Project finish date 180 days from date of contract signing; Local Card Issuing and Acquiring (including all card genres mentioned as desirable under 1.2:Project finish date 240 days from date of contract signing (optionally vendors can suggest the support of this function through the International Card Acquiring processor until such time they make it available); Various Electronic Fund Transfer and Remittance services (both local and international): Project finish date 240 days from date of contract signing; Agent and Mobile Wallet project: Project finish date 345 days from date of contract signing; Internet Banking:-Project finish date 180 days from date of contract signing; E-commerce:-Project finish date 240 days from date of contract signing; Certification of for accepting the card being acquired under the International Card Acquiring Agreement: Project finish date 545 days from date of contract signing; March 27,

18 VENDOR RESPONSE 4.1 Selection criteria Responses will be evaluated in a comprehensive manner against a range of criteria, based on information gathered through the Expression of interest. Some of the evaluation criteria to be considered are: Closeness of fit of Proponents solution to BIB's processes including breadth and depth of product coverage and functionality; Design of the proposed solution including modularity, scalability and open architecture and the ease with which the proposed system can be delivered; Proven implementation ability of the supplier organization in delivering similar solutions; Demonstrated success of the system (s) in similar environment and setting like BIB; The Digital Banking components being offered should be close to BIB s budget and/or must be cost-effective. The timeline offered for the projects is generally and reasonably close to the time budget indicated in the EOI; The commitment of the vendor to offer the critical knowledge transfer that will allow BIB improve its TCO; The vendor's ability to provide implementation and ongoing support to BIBs operations, including local and remote support; Quality of resources such as staff and experience; Financial capability, and Other similar capabilities indicated in this EOI. March 27,

19 This list is not exhaustive. The decision making process is confidential and non-negotiable. During the evaluation process, BIB may request clarification of responses from suppliers Selection timetable The steps and target dates of the project are summarized below: Timetable EOI release date Last date for submission of EOI by Proponents Response Opening (Attendance of Proponents not a must) Issue of Request for Proposal to short listed Proponents Date INFORMATION REQUIRED This section sets out the minimum information the vendor is requested to provide under the following headings: Proponents profile; Products and services offered; Personnel profile; Proponents support services; The Digital Banking components Proponents want to offer; Method of Project engagement; Budgetary price for all proposed solutions (both basic and optional); Ownership(s) of IPR of the proposed solutions; Comment on the Timeline of the Bank project finish date; Other Proponent initiated suggestion for improvement of the EOI and RFP process. March 27,

20 Proponents should complete their response in the format provided and where the formats are not provided following the Heading outlined above. The formats can be provided in MS Excel, if requested. Proponents are encouraged to provide information that they may deem necessary but are not requested here (brochures, white papers, technical documents, news briefs, etc to support the recommendations they provide). 5.1 Vendor profile and EFT POS Switch Related Please specify the following (this is required for all components vendor would like to furnish their EOI for and must be completed per the components recommended for the Digital Banking).Vendors should note that items 1-42 are general questions that must be filled for all elements, specifically by vendors that provide the EFT Switch solution. Vendors are also expected to respond to Questions 20- through 49 for each component vendors want to be proponents for, besides specific questions given per requirements. If the solution is third party solution, the same applies. No. Description Response 1 Name of organization (full corporate name and any relevant business name(s) ) 2 Date of incorporation (dd/mm/yyyy) 3 Certificate of incorporation number (please provide a copy of your incorporation certificate) 4 Postal address 5 Tel number 6 Fax number 7 address 8 Location of registered office including street/road March 27,

21 No. Description Response 9 Name and address of main vendor contact person including name, current position/title, address, telephone, fax and address 10 Name and address of bankers 11 Name and address of insurers 12 Brief description of business 13 Key offices and their locations a. b. c. d. e. 14 Rating by renowned rating agencies (provide evidence of the rating if any) 15 Benchmarks of the system to be provided by an independent organization (provide evidence of the benchmark). 16 Number of professional staff Management development/technical sales consulting support 17 Number of your professional staff with more than 5 consecutive years experience in management development/technical sales consulting support March 27,

22 No. Description Response 18 Specify partners with whom you have strategic alliances in the following areas and also specify dates of commencement of the relationship. (Provide evidence of the relationship) Software Hardware Communications 19 Name(s) of the relevant software 20 Number of live sites in Ethiopia 21 Number of live sites in banks and other institutions elsewhere 22 Total number of successful implementation sites in Ethiopia and elsewhere 23 Current version of the systems to be recommended 24 Date the current version of the system was released 25 How many versions of your software were released over the past 5 years 26 Total number of live sites running the current version 27 Total number of versions currently being supported List the versions currently being supported a) b) c) d) e) 28 Do you have full ownership of the source code? 29 What escrow arrangement do you have for the source code? 30 Specify the market for which the system was originally written March 27,

23 No. Description Response 31 The year the software was first commercially available 32 Provide a brief history of the development of the system 33 Provide a brief description of the current version 34 List the various hardware platforms your application runs on a) b) c) d) e) f) 35 List the databases your application runs on a) b) c) 36 List the operating systems supported by your application a) b) c) 37 Describe the product architecture e.g. client/server, n-tier, off-line/online, modular etc. 38 Describe the product development tool e.g. C# Visual Basic, Cobol etc. 39 Specify the total number of banks/institutions you have implemented your system in March 27,

24 No. Description Response 40 Name and location of the largest installation site in terms of number of users and other metrics. Number of supportable devices should also be given:- Number of ATM Supported Number of PoSs Supported Agents Others 41 Name and location of the largest installation site Give total number of ATMs, POS, Agents supported, Number of users 42 List the International Card Schemes the Switch has interface with (Visa, MasterCard, etc) 43 List the Card Schemes supported (Smart Card, Prepaid, Credit, etc) 44 List transaction origination devices and sources of transaction systems supported (ATM, POS, Mobile, Internet enabled PCs, etc) (E-Commerce portals, M-Commerce systems, IVR Commerce systems, etc) 45 Indicate if the EFT Switch has been used as a Virtual Payment Service Infrastructure and list sites. 46 Indicate the kind of Agents that can be supported. Are the following Agent types supported: Handset only Work-Station only Check-Collection agents Kiosk Agents Corporate Agents EFT POS Merchants Corporate Merchants Mobile Network Operators (MNOs) Vending Machine Merchants Others. March 27,

25 No. Description Response 47 Describe the level of integration of the EFT Switch recommended with any of these products (Specify Yes or No) M-Wallet M-Card M-Agents Airtime Wallets M-Loyalty Others 48 Describe the level of integration of the EFT Switch recommended with any of the following systems (Specify Yes or No) Electronic banking Telephone banking Fixed Line Wireless (mobile) Wireless (hand-held devices) Internet banking ATM Point of Sale Agent and Mobile Wallet Apps Automated clearing Local Switches EFT and E-Commerce Mobile banking Call Centre/Contact Centre Web Portal/Collaborative suite/document Management, Work flow All other Solutions 49 Any other comment on this component of the project. March 27,

26 5.2 International Card Acquiring Business No. Description Response 1 Please indicate the number of Card Schemes you can offer to BIB (Visa, Master Card, Union Pay, etc.) 2 Please state your membership status with the various Card Schemes. 3 Please indicate which card schemes are acquired and issued. 4 Please indicate if the following services and supports are available in your offer. BIB may use some of these and other services from locally deployed service providers and vendors should be careful in indicating their offer profile. ATM/POS driving, Switching and transactions processing (inclusive of the management of assets or without it - options with pricing given, Help Desk, ATM monitoring, Incident management, cash forecasting services.) Operations Services (Second Line Maintenance, Consumables management, house-keeping, site maintenance, Cash Replenishment Services, Caretaker Services, site and kiosk equipment monitoring and maintenance etc ) Card management services Entire card management from issuing, managing Card Database to couriering to bank or customer (to be discussed). Gateway Services -(for as many card brands as are available in the service menu and other local and international gateways list the switches your are connected to, TBD). ATM/POS Issuing and Acquiring (for as many card brands as are available in the service menu). Merchant acquiring and management( separately, if there is a need); March 27,

27 No. Description Response 5 The immediate services that we want to avail to our customers using the Gateway include: o Issuing/ acquiring the cards in local for in foreign currencies; o Debit Cards denominated in local currency; o Credit Cards denominated in local and foreign currencies; o Co-Branded, Loyalty, Pre-Paid, Private label, Voucher Cards, etc; o Gift Cards; o Mobile top ups and charging; o EFT (Electronic Financial Transaction); o Mobile Pre-paid Services; o Money Transfer; o Others (to be discussed) Vendors should know that while the focus is in acquiring international cards the above services may be contracted if a vendor s offer expedited the implementation of the Bank s Switch implementation and/or Certification. 6 Briefly describe project responsibilities by function and resources, and explain project dependencies and plans going forward. 7 What is your project engagement modality? State the options available (Turn-key, Revenue sharing, BOT, Transaction Based, etc.) 8 Do you commit to the timeline indicated for this component of the project? Or do you have an opinion? 9 Describe your experience in assisting the certification of Switches by card schemes. 10 Any other comment on this component of the project. 5.3 Card Banking Services and Infrastructure Please describe the Card Banking system you are offering, in detail. Focus on the types of cards and functionalities supported. You can selectively use the questions given in the above two tables to respond to our queries. Describe project March 27,

28 experience relating to the component under request, project responsibilities and project engagement modality. Please also state your commitment towards Bank stated time line or if you have an opinion otherwise. 5.4 M-Wallet, M-Card, M-Agents Airtime Wallet, M-Loyalty Services and Infrastructure. Please describe the system and infrastructure that supports the captioned services you are offering, in detail. Focus on the types of services and functionalities supported. You can selectively use the questions given in the above two tables to respond to our queries. Describe project experience relating to the component under request, project responsibilities and project engagement modality. Please also state your commitment towards Bank stated time line or if you have an opinion otherwise. 5.5 Mobile and IVR Banking Please describe the system and infrastructure that supports the captioned services you are offering, in detail. Focus on the types of services supported. You can selectively use the questions given in the above two tables to respond to our queries. Describe project experience relating to the component under request, project responsibilities and project engagement modality. Please also state your commitment towards Bank stated time line or if you have an opinion otherwise. 5.6 Internet Banking Please describe the system and infrastructure that supports the captioned services you are offering, in detail. Focus on the types of services and functionalities supported. You can selectively use the questions given in the above two tables to respond to our queries. Describe project experience relating to the component under request, project responsibilities and project engagement modality. Please also state your commitment towards Bank stated time line or if you have an opinion otherwise. March 27,

29 5.7 E-Commerce Please describe the system and infrastructure that supports the captioned services you are offering, in detail. Focus on the types of services and functionalities supported. You can selectively use the questions given in the above two tables to respond to our queries. Describe project experience relating to the component under request, project responsibilities and project engagement modality. Please also state your commitment towards Bank stated time line or if you have an opinion otherwise. 5.8 Switch Certification BIB wants to get certification of its Switch for the card schemes that are supported by outsourcing. Please describe how you would assist the Bank get its certification. Describe project experience relating to the component under request, project responsibilities and project engagement modality. Please also state your commitment towards Bank stated time line or if you have an opinion otherwise Directors details Please provide the following details for all directors of your organization: Name Nationality Citizenship Shares held March 27,

30 5.10. Products and Services offered Please specify your product or software that supports the following processes and requirements. Please indicate if this is your product or it is a third party product. You may attach brochures of your products and services Personnel profile Human resources Provide the organization structure of your firm and summarize the number of employees in each department or function Provide the resource structure for implementation and support of solution required Vendor support services Please provide the following Training Details of training offered Location of training Implementation support Specify nature of support offered by your organization Specify nature of support that is or will be available in Ethiopia Help line facility Brief description of facility Problem handling channels Average response time for support activities Specify ability to provide user support in multiple languages Location Office name, location, telephone, key contact name Location Office name, location, telephone, key contact name Nature support Nature support of of March 27,

31 User and reference sites Please provide the following information related to five banking and other institutions where your system has been successfully implemented 1. Name of banking or other institution 2. Name and address of contact person including name, current position/title, address, telephone, fax and address 3. Country of incorporation 4. Location of the headquarters 5. Number of branches/sites Geographical distribution of branches/sites 6. Estimated number of staff 7. Annual turnover during period of implementation (Ethiopian Birr) 8. Brief description of project (s) undertaken. Please describe all the relevant projects similar to the ones requested in this EOI. 9. Project duration 10. Date of implementation including start and end dates BIB undertakes not to contact any reference site without obtaining your prior consent. March 27,

32 APPENDIX - A BIB s Core Processes Credit and Lending Business banking - Loans - Overdrafts - Asset based finance Corporate and Institutional Finance - Loans/Syndicated Loans - Overdrafts - Structured finance - Line of credits - Structured Finance - Guarantees Term Loan Working Capital Project Finance Refinance Retail banking - Personal loans - Debt management Mortgage Lending - Mortgage financing - Development bonds Investments and Deposits Commercial instruments - Purchase of commercial paper for bank portfolio - Purchase of commercial paper for customers - Bank acceptances - Time and call deposits - Short term deposits Government securities - Treasury bills and bonds Inter-bank operations - Money market Transactions and Payments Accounts - Savings - Personal - Account management - Certificate of depositor Cash operations - Money transfers - Cash and cheques receipts/pay ments - Draft payments - Direct debit/credit payments Card products None Digital Banking None International Banking Export/Import L/C Guarantee Documentary Collection International Transfers Forex operations Fx denominated account management Card Products March 27,

33 APPENDIX B: General Information about the Digital Banking Requirements I. INTERNATIONAL CARD ACQUIRING BIB needs to be an affiliate or associate member to acquire international cards such as Visa, MasterCard, Union Pay, American Express, JCB, Discover, Diners Club, etc. through third-party payment processors; vendors should acquire international cards or associate with third-party payment processors for the same. Related to this: 1) Vendors should submit the types of international cards per brand accepted by their company or their third-party payment processor associate. 2) Vendors should submit all related budgetary costs in relation with the international card acquiring process for all the listed card types. 3) Vendors should submit the minimum requirements expected from the Bank for the acquiring process. 4) Vendors should submit the shortest possible time for acquiring license for each international card type from the signing date of the contract. II. LOCAL CARD PRODUCTS Vendor should submit an exhaustive list of local card products such as debit cards, credit cards, private label cards, staff cards, corporate cards, pre-paid cards, gift cards, fuel cards, fleet cards, payroll card, co-branded cards, loyalty cards, etc. accepted by the respective EFT switch solution and also should specify any budgetary cost related to the implementation of the specific products. III. FUNCTIONALITY and MULTICHANNEL INTEROPERABILITY Vendors should confirm and submit the EFT switch solution functionality and multichannel interoperability along with any budgetary cost implication; the proposed solution should have features and multichannel functionalities such as but not limited to the below: March 27,

34 1) Solutions offered must be based on open standards and systems. It should have modular architecture and should support active-active configuration, load sharing and fault tolerance for software/ hardware failure and site failure. The solution should also allow % scalability, by adding capacity to the environment (vertical and horizontal). 2) Solution offered should support transaction acceptance from any channel such as m-pos, ATM of any brand, POS of any brand, Internet Banking, Mobile Banking, Agency Banking and Bank correspondent. 3) Solution offered should support PIN, Biometric, NFC, Barcode and combined authentications of transactions at the different channels. 4) Solution offered should accept both card and non-card transactions at m- POS, ATM and POS terminals. 5) The Switch solution should support various transactions including but not limited to magnetic strip and chip based cards, ability to block BINs (Bank Identification Numbers), key management, card verification, encryption features such as 3DES and should be EMV compliant. 6) The Switch Solution should support online monitoring of ATMs, devices, process applications, transactions, etc. and should be able to give alert through SMS and s. 7) The proposed solution should support the basic Visa smart Debit/Credit (VSDC) functions such as Application selection, offline data authentication, card holder verification, terminal risk management, terminal action analysis and processing restrictions. 8) The proposed solution should have transparent and configurable business logic and tools for rapid development of new products. It should support multi-language, multiple-institutions, multiple-time-zones, multi-currency and online currency conversion. March 27,

35 9) EFT Switch solution should have ATM or CDS (Cash Withdrawal and Deposit System) functionality including but not limited to Voice enablement to support visually challenged people, Cash Withdrawal with & without card, Balance Inquiry, PIN Change including Admin Card PIN Change, Ultra-Fast and Fast Cash, Multilingual screens (English, Amharic and Other regional languages), Funds Transfer (Intra bank account to account transfer), Withdrawal from multiple accounts, Bill Payments, Fee, Donations, Payment of Tax, Mobile Top up, Statement request, Receipt printing, Cheque Book request, Envelope Cash deposit, Capabilities of Finger Print Registration with storage & retrieval mechanism of biometrics, Credit card cash advances, and Statement of account printing. 10) EFT Switch solution should support POS and m-pos Terminal functionality including but not limited to Purchase, Balance enquiry, Cash Withdrawal, Void, purchase with cash back, Cash reversal, Pre-Authorization Purchase, Pre-Authorization Purchase reversal, Cash advance, Biometrics based transaction at POS, Offline sale (Credit card). 11) The EFT switch Solution should follow the industry standard security features related to but not limited to Hardware Cryptography facility and interfaces, PIN Processing, Card Verification Value (CVV) and Track I and II verification, Hot card management. 12) The Proposed EFT Switch Solution should provide web interface for obtaining standard reports. The reports should be accessible through PCs, tablets or smart phones according to the requirements of the Bank. 13) Vendors should confirm that the proposed solutions support any mandatory requirements introduced by the Government of Ethiopia/regulatory authority/settlement agency such as Ministry of Finance, the governing National Bank of Ethiopia, Visa, MasterCard, etc. March 27,