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USSD Proposal

Customer demand for new transaction channels, changes in customer behavior as well as in the general financial environment are pushing financial institutions to deploy and upgrade their capabilities for making and receiving payments.

Etranzact proposes to deploy its convenient, secured and cost effective Electronic Payment solution to Adom Savings and Loans. The Electronic Payment solution when fully deployed will enable individual who want

to be customers of ADOM SAVINGS AND LOANS open an account by inputting basic KYCs and also to make their payments from their various mobile money wallets to account and vice versa on a 24/7 basis.

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Etranzact VALUE PROPOSITION

USSD MOBILE BANKING

This service allows individuals who wish to be account holders of Adom Saving and Loans Savings open an account by just providing basic KYCs like Identification Card numbers such as Voter ID, Driver’s License, and passport.

REGISTRATION PROCESS
(For First Time Customers who want to open an Account using the USSD code)

a. An individual initially dial a preferred short code. E.g. *389*55#.
b. A welcome message appears and Customer is asked to choose an ID type
c. Customer is then asked to enter his/her ID number.
d. A message pops up that account request has been submitted.




Condition

An individual who has rightly inputted the KYC requirements successfully, will receive a message after of successfully opening an account will be asked to proceed to the Main Menu.

S/L USSD PSEUDO MENUS – Account Opening Process

Customer Dials *389*55#

Welcome Message /Choose ID type

Welcome. Please choose ID type
1. Voters ID
2. Driver’s License
3. Passport

Input of Identification Number

Welcome to ….
Enter ID Number:

Submission Message

Hello Ama,
Your account requested has been submitted

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Mobile Money Process

Mobile Money is a highly effective means of facilitating secure electronic payments in developing markets. The service has revolutionized how electronic funds are transmitted from one point to the other. Customers will therefore be able to make and receive payments from ADOM SAVINGS AND LOANS once they have access to mobile money wallets.

REGISTRATION PROCESS (For Customers who have already signed up at the Bank/S&L)

e. A customer who has already signed up must initially dial a preferred short code. E.g. *389#.
f. A welcome message appears and Customer is asked to enter account number and confirms it. The account number must be confirmed.
g. Customer is then asked to enter his default pin. The Pin must be confirmed.

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Condition
If the PIN entered by the customer is CORRECT, customer progresses to the next step. However if the PIN entered by the customer is INCORRECT, the customer will receive the following feedback;
“Sorry your Current PIN is incorrect- To perform any financial transaction, kindly get to your branch for your PIN.

h. Customer is informed of successful registration and asked to proceed to the Main Menu.

Purchase
Purchase of Airtime

a. Dial *389# which leads customer to the main menu.
b. On the main menu, select “Airtime Top-up”.
c. Customer is asked to choose between Self Top-up and 3rd Party Top-up.
d. Customer is then asked to type the Amount.
e. Customer is requested to enter pin.
f. Customer receives a message indicating the success or otherwise of the transaction.

Checking
Checking Of Balance

a. Dial *389# which leads customer to the main menu.
b. On the main menu, select “Balance”.
c. Customer is requested to enter pin.
d. Customer receives a message indicating the success or otherwise of the request.

Requesting
Requesting For Mini-Statement

a. Dial *389# which leads customer to the main menu.
b. On the main menu, select “Other Services”.
c. Customer should then select “Statement”.
d. Customer receives a message showing the mini statement.

Funds
Funds Transfer (BANK to BANK)

a. Dial *389# which leads customer to the main menu.
b. On the main menu, select “Funds Transfer BANK to BANK”.
c. Customer is asked to choose between enter Destination Account.
d. Customer must then confirm Destination Account.
e. Customer is then asked to type the Amount.
f. Customer is requested to enter pin.
g. Customer receives a message indicating the success or otherwise of the transaction.

Funds
1.4a Funds Transfer (MOBILE MONEY)

h. Dial *389# which leads customer to the main menu.
i. On the main menu, select “Mobile Money services”
j. Customer is asked to choose Mobile Money Network
k. Customer is asked to select “ wallet to Bank or Bank to mobile money wallet”
l. Customer supplies PIN depending on the option chosen in k above
m. Customer receives a message indicating the success or otherwise of the transaction.

Note
Note:

The flexibility of the ETRANZACT platform enables mobile money services not to be restricted or tied to only one mobile money wallet to Bank account. Such restriction can only be applied upon request by the Bank. This allows for family and friends to also transfer funds from their mobile money to a customers’ Bank account.

Bill Payment

Bill Payment

a. Dial *389# which leads customer to the main menu.
b. On the main menu, select “Bill payment”.
c. Customer should then select the preferred bill.
d. Customer is asked to enter Bill ID.
e. Customer then enters amount and pin.
f. Customer receives a message as confirmation of payment.

BANK USSD PSEUDO MENUS - Registration Process
Customer Dials *389#
Welcome Message /Account Request
Welcome to …. ADOM SAVINGS AND LOANS
Enter Account Number:
Account confirmation
Confirm Account Number
PIN Request
Enter Current PIN
PIN Confirmation
Confirm Current PIN
Success Message (Correct PIN)
Congratulations! You have successfully registered on the USSD platform. Dial *389*55# to view the menu.
Failure Message (Incorrect PIN)
Sorry your Current PIN is incorrect. To perform any financial transaction, please visit your branch.

BANK USSD PSEUDO MENUS

Post Registration

Main Menu

Welcome to ADOM SAVINGS AND LOANS Mobile
Select a transaction
1. Airtime Top-up
2. Funds Transfer to BANK
3. Bill Payment
4. Balance Enquiry
5. Other Services
6. Mobile Money Services

(Airtime Top-up Options)


Who to Top-up?
1. Self
2. 3rd Party


Welcome to ADOM SAVINGS AND LOANS Mobile
Select a transaction
1. Airtime Top-up
2. Funds Transfer to BANK
3. Bill Payment
4. Balance Enquiry
5. Other Services

Network Request
Select Network
1. MTN
2. Vodafone
3. Airtel
4. Tigo
5. Glo

Third Party Top-up Option
Enter 3rd party Number

*********

(Bill payment options)
Choose a biller:
1. DSTV
2. GOtv
3. ECG
4. TV License
5. MTN Postpaid
6. Vodafone ADSL

Bill Payment
Bill Payment

Bill ID request
Enter Bill ID

Account Request (Funds Transfer)
Enter Destination Account

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Confirm Account (Funds Transfer)
Confirm Destination Account

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Other Services option
Select service
1. Change PIN
2. Mini Statement

Pin Change Functionality
Enter Old PIN

****************
Enter New PIN

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Enter New PIN

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