Numbe

Banking Software
from Abellard Software Solutions


We have architected and developed the Numbe Banking system
to be a fully fledged banking solution and
an alternative to the traditional big banks in South Africa.

We offer an independent banking solution for prospective customers.

Numbe banking also integrates with Numbe CRM,
a client and fee management module for the insurance industry.

Online Applications

Self-Managed Personal Information

A Mobile App that allows end user clients to self-administer their personal information and documentation (like ID Documents). Users are required to manage permissions of their information to external systems, including Numbe Banking. With permission, Numbe will replicate relevant information and documents required by the banking module.

Mobile Banking App

The mobile banking app can be downloaded for Android and IOS as a fully functional banking application for end users. The mobile app skin can be customised for all instance implementations.

Web Banking App

As an alternative to the Mobile App, users can log onto the Web Banking Application for transacting and purchases.

Call Center Web App

The Call Center App was developed to facilitate call center support of all banking activities, including card replacements, and logon security controls. All support calls are recorded and logged onto the user’s profile.

Business Applications

there are several external business applications available that make use of the Numbe API layer to transact. Similarly, licence owner’s business applications would be able to use the API layer to interface to Numbe for transactional purposes.

Numbe Server

Client Manager

This module manages personal information and documents, accounts and cards. Information from the Personal Self-Management App is vetted, and then replicated to the Flexpay Banking Module if and when applicable. The module provides information to all the Front-End Apps

Disbursements

Disbursements manages all transaction request as listed below:
   1. transfer instructions (transfer between local accounts)
   2. payment instructions (payment via ACB to external beneficiaries)
   3. debit requests (recurring deductions from accounts)
   4. payroll payments (the distribution of funds to accounts from a single collection payment).

Deposits

Numbe can receive and record eft and cash deposits (individually and collectively) and disburse such funds to the correct account(s).  Numbe can receive deposits via PayAt instructions or bank deposits (collectively or on account level).

Purchases

Clients can buy airtime and electricity (using the online applications).  Numbe will facilitate the purchases with Powertime who will distribute the tokens directly to the users.

Application Programming Interface

API

All online applications in the Numbe suit make use of the API layer for security and integrity purposes. Access directly to the data layer is discouraged. The API layer is documented as a Swagger interface in order to facilitate testing and implementation of new front-end applications.

Transactional Services

Paymentology Banking

Paymentology is a transactional banking platform that support debit cards processing and accept API calls from associated business partners (like Numbe) to transact.

ACB Interface

Receive payment instructions from the disbursement system for EFT payments, process payments into the banking community and upload results back to the disbursement module.

PayAt

PayAt facilities (normally situated inside certain supermarkets) interact with Numbe as follows:
   1. Request transaction (validation phase)
   2. Send transaction instruction to Numbe.
   3. Daily settlement
   4. Daily payment to sponsored bank.

Powertime

Powertime distributes purchased tokens (electricity or airtime) to clients as follows:
   1. Receive the purchase request from the client (via one of the front ends)
   2. Numbe validates User balances on Paymentology.
   3. Numbe requests the purchase from Powertime.
   4. Powertime sends tokens directly to Users.
   5. Numbe requests account deductions from user’s Paymentology accounts. 

Hosting & Managed Services

Hosting

Abellard Software Services offers Private Cloud Hosting Services which could form an ideal platform from all your online and inhouse private services.  Comprising of a hardware platform that is completely redundant and of the state of the art technology, your services will practically always be available to both your and your clients.

More about hosting here.

Managed Services

Numbe is a proprietary system with specific implementation requirements. It is therefore recommended that clients make use of Abellard’s managed server solutions to commission the appropriate server configurations depending on performance and storage requirements. The managed services include data backups and data replication. In addition to the production environment, a pre-production environment may also be necessary.

Business Considerations

The system operates inside the South African banking community. Although some of the services the Numbe Software invokes are licensed services, separate contractual agreements will be necessary.

Operating Licenses

Before the system can be implemented business owners will have to be compliant to the South African compliance laws, including an operating licence and a TPPP licence.

Bank Accounts

   1. Paymentology will require a collection account in the name of the business owners (to be opened with Access Bank.)

   2. PayAt will require a bank account for PayAt deposits.

   3. The ACB interface will require a bank account for ACB transaction processing.

System Rules Configuration

The system needs to be configured according to the business requirements, including the following:
   • Transaction fees
   • Recurring fees
   • Fee distribution rules, including commission payments.
   • Access security controls.
   • Notification rules.

Customisation Requirements

Integration to existing business systems within the licence holder domain may include.
   • Integration with the Call Centre facility
   • Reporting requirements and big-data management
   • Mobile App skin changes
   • Card branding
   • URL configurations

Operations Implementation

Numbe Banking is business process driven, and by implication requires an organisational implementation of a leadership structure, and a clear understanding of the roles and responsibilities to operate the system. Some of the operations may be outsourced if an in-house capacity is not possible and should be considered as part of the implementation project.

License Implementation

Abellard follows a strict methodology for the implementation of a Numbe licence:
   • The process is managed and described in a project charter.
      ◦ objectives and milestones
      ◦ roles and responsibilities
      ◦ acceptance criteria
      ◦ change management rules.
   • Customisation projects of any kind may be managed separately, but the impact on the implementation project should be included in the project charter.

Contractual Agreements checklist

The following contractual agreements are required:
    1. Licence fees agreement
    2. Hosting services agreement
    3. Managed server agreement
    4. Call Centre outsourced agreement (optional)
    5. Notification service provider’s agreements
    6. Paymentology agreement
    7. PayAt agreement (optional)
    8. Commission agreements
    9. Customisation project agreements
  10. Implementation agreement (as described in the project charter).

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