Daily Savings Management System (DSMS): Simple, Fast, and Transparent
Automate Your Microfinance Savings Collection
The Daily Savings Management System (DSMS) is a comprehensive, secure, and ready-to-deploy software solution built by Team Smart Groupe S.A (TSG). Designed specifically for Njangi houses, microfinance groups, and daily collectors, DSMS automates the entire daily savings operation, eliminating manual errors, reducing reconciliation time, and providing real-time transparency to both the office and its members.
Our Mission: To connect every member directly to the head office, ensuring trust and efficiency through technology.
💎 Key Features: Eliminate Fraud & Achieve Real-Time Visibility
Feature Description Business Benefit Instant SMS Confirmation Immediate SMS notification sent to the member for every deposit/withdrawal, including balance and Transaction ID. Builds Trust: Provides irrefutable, instant proof of transaction, dramatically improving member confidence. Real-Time Visibility Agents log transactions via the app; the Admin Panel updates instantly. Prevents Fraud: Eliminates agent manipulation. Managers monitor all transactions and locations immediately. Mobile Money Integration Seamless saving and withdrawal support via MoMo/Orange Money through the secure Campay Gateway. Expands Reach: Allows customers in remote areas to save, rapidly growing your operational footprint. Automated Commissions System automatically calculates and tracks agent commissions based on a configurable percentage-based method. Saves Time & Money: Reduces HR overhead, eliminates manual calculation errors, and simplifies agent management. Full Audit Trail Every transaction is assigned a unique ID and logged with the agent, exact time, and date. Ensures Compliance: Provides a complete and secure history for rigorous auditing and dispute resolution.
🛠️ The Full DSMS Ecosystem (What You Get)
The Full App Package is a complete, branded operational environment for your organization.
1. Dedicated Applications
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Admin Panel (Back Office Dashboard): Centralized control for management, reporting, user approval, and financial oversight.
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Agent Mobile App (Android/iOS): Dedicated app for agents to log real-time cash collections, manage their e-wallets, and track commissions.
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Member Mobile App (Android/iOS): Dedicated app allowing members to check their balance, view history, and initiate Mobile Money deposits.
2. Branding & Assets
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Official Website: Frontend website setup to establish your online presence.
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Branding Kit: Professional company logo (if needed), Webmail setup, and Social Media platform setup (Facebook, Instagram, etc.).
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Source Code: Complete, modified source code and technical documentation provided.
3. Support & Guarantee
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Free Maintenance: Included for the first full year post-installation.
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Service Guarantee: 99.99% success guarantee with automatic server backup/restore and 24/7 developer availability for maintenance.
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Intensive Staff Training: Free, comprehensive training for your staff is included.
Investment & Implementation Overview
We offer a simple, transparent pricing model with a one-time setup fee and low annual maintenance.
Component Description Investment Full App Package & Installation Custom deployment of the entire DSMS ecosystem, including all apps, website, and source code. 2,000,000 XAF (One-time Fee) Annual Server Hosting Dedicated, managed hosting for guaranteed robust performance, security, and backup. 100,000 XAF (Annual Recurring Fee)
Implementation Timeline
Prerequisite Checklist
To begin deployment, you will need:
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Your organization's registration documents and official logo.
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A dedicated Domain Name for the system.
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Apple Developer Account (Assistance provided for setup).
Customization & Flexibility
The DSMS is highly flexible. Any feature or operational method not currently included can be customized and added to meet your specific requirements.
Application Security Architecture
The system is built on rigorous developer guidelines to ensure bank-level protection:
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Non-Custodial Transactions: The app acts as a secure interface. All financial transactions (MoMo/OM) are initiated and completed securely on the respective gateway and service provider platforms, not within the application itself.
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Multi-Layer Protection: Features include App PIN/Biometrics, Two-Factor Authentication (2FA), HTTPS encryption, and Firewall protection.
Ready to Transform Your Savings Operations?
We strongly recommend a guided demonstration to fully experience the seamless transaction flow and operational power of the DSMS.
Contact us today to schedule your free demo and begin the 3-week journey to a fully automated savings system!
