Customer Management
Customer product information, Customer contact management, Signing up new customers, Customer identification, Customer authentication, Client withdrawal limits management and Customer communication history management

Account Management
This module allows the user to create accounts for existing customers with valid identification numbers has created using the Customer Maintenance module. The new account can be created for any product that has been defined in the system. Account enquiries can also be done using this module.

Product Management
This module is used to create products of all categories in the system. The module allows the parameterization of product features including interest rates, frequency, interest calculation type, GL Control account, interest receivable and interest received etc. It applies to loans, savings and deposits.

G/L Management
This is the main module used to define and create G/L accounts. The account created can be assigned as an asset, liability, income or expense. Statement for various transactions affecting any G/L account can be viewed and printed using this module. Accounts can be restricted as required.

Loan Management
Multiple loans per customer and loan repayment collection, Display payment plans for customers (individuals and groups), Track customer behaviour on repayment for rating and Track outstanding loan instalments and view customers complete transaction history

Deposits Management
Supports multiple savings accounts per customer, Collect payments for savings and deposits accounts, Support different types of savings accounts, Pay out savings to customers and Support opening of new accounts

Treasury Management
Provides real-time information on inflows and outflows by each loan officer every day, Provides real time overview of money available in each branch and Supports secure and auditable disbursements and collections by loan officer via unique PINs

Transaction Definition
This module allows rural and community banks, microfinance institutions, savings and loans companies and banks to set different customized transaction codes anytime with customized definitions and specify whether the code should be used for credit transactions or debit transactions.

Transactions
Cash Transactions, Internal Transfer, Batch Internal Transfer, Inter branch or meeting point cash transactions, Inter branch or meeting point transfer, Outward Credit and Inward Credit

Account Classification
Different classification categories have been created in the system using this module. However, the organization can create more classes as per own requirement. Example: a class called Customer Meeting Point can be created with sub classes as Meeting Point A and Meeting Point B.

Bank Holidays
Various dates which are holidays and on which the institution is closed to the public will be marked as non-working days using this module such that the system will not schedule any loan repayment or allow any transaction and start of day procedure to be executed on those dates.

User Access Rights
This module is used to define the system users (each with a username and password), the access rights and required permissions including posting limits, PAR monitoring where for instance the branch manager see all loan officers’ the performance when individual officers are limited to only seeing their own.

System Auditing & Matching
This is a special module designed to assist the audit department. The processes under this module will check for differences in the accounting system and report them. Identified differences can optionally be corrected by a click of a button, or further investigated to ascertain its origin.

System Administration & Processing
Close of Business Processing End of Day Processing, Start of Day Processing, End of Month Processing, End of Financial Year Processing and End of Calendar Year Processing

Reporting
Loan reports, Transaction register, General Ledger reports including Trial Balance, Balance Sheet and Profit & Loss, Regulatory reports, Customised reports for investors and partners and Social performance reports

Operational Mode
PAWAmobile is designed to operate in two modes, providing robust communication Online mode using internet Offline mode (without internet in areas where there is no cellular coverage or internet availability)

Loan Calculator
PAWAmobile comes fully integrated with a loan calculator for better interaction with clients and value-added services This will make the work of field loan officers much easier

Notification
Customer notification for every transaction via SMS Customer notification for every transaction via mobile printer (connected through Bluetooth) Print customer account statement Communication of special offers to customers Birthday wishes

Com. Channel
Communication with the server via, GSM, WIFI, GPRS and 3G/4G/5G and Communication with the mobile printer via Bluetooth

Access Control
Password protection for each user account, Customer identification via photograph and User access rights and restrictions, and roles are clearly defined

Encryption
Communication between Head Office and branches is encrypted (VPN support), Communication between server and devices is encrypted and All sensitive data stored on devices is encrypted and fully secure

Audit Tracking
All changes in the system are documented: who did what and when, Data retention period for deleted data can be configured and Overall management of the company’s key resources is significantly improved, leading to better productivity

Employee Performance
Reports on start and end of work per field officer every day, Overview of number of visits performed by each field officer, Average duration of field visits by each field officer in the branch and throughout the company and Other indicators

Device Management
Assign specific users to all company devices, Centralised provisioning and configuration of mobile devices, Remotely disable device or users of a particular device and Centrally configure device and server behaviour