1. Ujjivan-­‐Artoo
Pilot
Interim
Results
|
Jan,
2011
Based on results collected in Dec, 2010

2. Artoo
wishes
to
catalyze
development
through
inclusive
technology
and
empowering
communica6on.
We
want
to
do
everything
we
can
to
bring
the
digital
revolu6on
to
those
at
the
bo:om
of
the
pyramid.
2

3. artoo slate
!"#$%&!""#$%&'()*
+%&#&,#-.*/(,012.*3(12*-4-%'5-*
!"#$%&#!"#$%&#! !"#$%&'(!"#$%&'()
'()*+,%-./0#1!23*(%4$#1!56+7(&4$#!! *'$+,'-./)0(%12&3./))4%.2)5(6#7$%&'()
3

4. Device Home Screen. Product has been designed especially keeping in mind the field
agents education and technology exposure.
We
believe
Artoo
Slate
has
the
poten6al
to
help
MFIs
become
more
produc6ve
in
helping
their
customers
rise
out
of
poverty.
4

5. malegam report
• ...
efficiency
at
the
field
level
will
result
in
be:er
service
to
borrowers
and
greater
protec6on
from
abuse,
efficiency
in
the
back
office
can
result
in
a
greater
saving
in
costs
...
• Informa6on
Technology
is
a
powerful
tool
in
building
opera6ng
systems
...
needs
to
be
fully
exploited.
• ...
MFIs
review
their
back
office
opera6ons
and
make
the
necessary
investments
in
Informa6on
Technology
and
systems
to
achieve
be:er
control,
simplify
procedures
and
reduce
costs.
5

6. pilot
• Funded
by
Ujjivan
&
Lok
Capital
FoundaGon
• Declared
Live
on
Dec
1st,
2010
HAL
Branch
(0107),
Ujjivan
6

7. Pilot
Fast
Adopters
Arun Shankar Senior
Field
Agents
Rathna Pushpa
7

8. acceptance criterion
Usability
Turn
Around
Time
Pilot Earlier
Process
Time
taken
to
receive
completely
accurate
Time
from
Customer
Signature
to
the
start
data
from
data
entry
in
the
field
to
the
of
the
next
stage
(Sanc6oning).
This
will
6me
received
in
digital
format
for
include
6me
spent
in
CCR/Branch
Manager
background
processing. QC,
courier,
data
entry,
help
desk
clarifica6on,
control
desk
QC,
and
if
any
back
and
forth
for
correc6on
of
the
applica6on.
<=
1
hour 3+
days
8

9. 9

10. 9

11. 9

12. 9

13. Collections
• CollecGons
Module
Features
– Auto
populated
&
excepGon
based
entry
– Reason
for
Default
– Who
paid:
Group
/
Customer
– Ability
to
Pre-­‐close,
SD-­‐Adjustment,
Loan
Outstanding
– SMS
Receipts
to
Customers
– Cash
CollecGon
&
Aendance
Report
– Defaulter
Report
every
3
hours
(through
email)
10

14. Collections Module
collections
• CollecGons
Week
(10-­‐16
Dec)
– INR
55.8+
Lakh
Collected
– 6,400+
TransacGons
– CBS
can
be
updated
<=
1
hr
(earlier
3-­‐5
days
lag)
– Close
of
business
on
the
same
day
0(11%./(,-'
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#!" #!!!"
Holiday
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./012"34/560"7/22,-0,8" 954:,;"/<".;16=1->/6=" 11

15. Collections Module
Group totals are provided first. Makes process efficient as Group Leaders can be ready with their amounts
12

16. Collections Module
Customer totals are provided and further individual loans, Preclosure, SD Adjustment
& Loan Outstanding details. 13

17. Collections Module
collections
%#$
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'6%$*+,-$./012$'3'5$
!"#$
!"#$ "(#$
(6'$*+,-$./012$(3'5$
76($*+,-$./012$7385$
'!#$ !67$*+,-$./012$!3%5$
&6!$*+,-$./012$&3'5$
Data based on 170 Centers
Center Meeting Time
• 83% of the centers took less than 5 mins
• 41% of the centers took around 24 seconds
The above chart measures the time taken to update the records for an entire Center (approx. 25
Customers x 2 loans). In the earlier process, field agents would come back to the branch and
spend more than 1 hour to update the demand sheet. 14

18. Collections Module
Collections
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Holiday
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• Accurate Information for time sensitive data
• No resources-intensive reconciliation process required
Provides to-date accurate Preclosure and Security Deposit (SD) Balances (earlier they had to
request the Help Desk over phone - error prone process).
Thus there is no reconciliation process required to return/collect excess/less amounts from the
customer. The reconciliation process is resource intensive and the customers are not interested
15
in coming to the branch office to collect marginal amounts.

19. Collections Module
Collections
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$" $" $"
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Realtime actionable statistics (earlier it would take 10-12 days*)
Defaulter Statistics (from the automated Defaulter Report):
• One in every two defaulters had two loans with Ujjivan
• 80% of the cases the Group paid either full or partial amount; 68.8% recovery on the field
• Top reasons for defaulting:
Not Present at Center Meeting, Medical Emergency & Not Received Payment/Salary
16
*Post updating CBS (3-5 days lag) after the collections, over due reports are generated.

20. Collections Module
Defaulter Report
– Customer
Details:
ID,
Name,
Mobile
Number
(if
any)
– Field
Agents
Details:
Name,
Mobile
Number
– Reasons
for
Default
&
Group/Customer
– Severity
Indicator
(Amount
Collected
/
Expected)
– Customizable:
Pivot,
Charts,
Macros
and
more
17

21. Customer profiles
• Customer
Profile
Module
Features
– Update
exisGng
customer
(nearly
80%
of
fields
auto
populated)
– Branch
Manager
House
Visit
&
GRT
Approval
workflows
(self-­‐sufficient
workflows)
– Captures
customer’s
idenGficaGon
documents
– Captures
customer’s
signature
– Errors
captured
during
House
Visits
&
GRT
18

22. Customer Profile Module
Customer Profile. The interface is intuitive and increases productivity of the field agent
19

23. Customer Profile Module
Customer profiles
– 56
Customer
Profiles
were
created
– 18-­‐20
mins
for
complete
process*
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#&
* Note that the time mentioned also includes the time taken to scan document, customer 20
photos and get details from the customer apart from entering them into the device

24. Customer Profile Module
customer profiles
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-.
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(,
Unexpectedly, Rathna (Junior Field Agents-Slow Adopter) has taken the least time (taking 10mins in one
case) and posted the highest number of CPs - implying with more practice the average times will come down.
21

25. Customer Profile Module
customer profiles
Start to End
)+#,-./#01234%%5'#,-./6#
$7)#,-./#01234$5$#,-./6#
'("#
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'7$#,-./#01234'5(#,-./6#
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$"# %7'#,-./#01234%5)#,-./6#
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89//#:;-<#%#,-.#01234=5*#
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Data based on 58 Profiles
71% of Customer Profiles were created and approved within 2 days
STE (Start to End): Time taken from start of profile by the Field Agent to the time it has been approved by
Branch Manager.STE can be as low as a few hours. In some cases GRTs have gotten postponed leading
to higher STE times.With better scheduling by the branch, we can substantially lower the time taken to
acquire a customer. 22

26. Loan application
• Loan
ApplicaGon
Module
Features
– Add/remove
customers
from
the
LA
even
at
GRT
stage
– Branch
Manager
House
Visit
Approval
workflow
– AutomaGcally
update
interest
rate
based
on
loan
product,
loan
amount,
and
tenor
– AutomaGcally
calculate
EMI/EWI
– Errors
captured
during
Branch
Manager
Visit
23

27. Loan Application Module
loan applications
– 8
Group
Loan
ApplicaGons
(with
5
customers
each)
– 2
mins
for
the
complete
process
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()
()
()
()
()
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()
()
()
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!%
24

28. Loan Application Module
Loan Application
&'(#%)**+",(-'#%
("%$
!"'$ %"!$
!"%$ %"%$ %"%$
!"#$%
#"'$
%"%$ 122345+3$678+$
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!-)*+,$
!.)*+,$
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!0)*+,$
(%)*+,$
(#)*+,$
Customer Acquisition: It takes 2 mins to create a Loan Application
25

29. Loan Application Module
loan application
")$*+,-$./012$3$*+,-4$
%%#$
567$8$"$*+,$./012$"&$974$
&#$ :$8$5$97$
'#$
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%$8$!$97$./012$%$974$
!"#$ "$8$%$97$./012$";<$974$
=>?6>@$"$97$./012$&;"5$974$
Data based on 32 LA
Within 1 Hour: 31% of Loan Applications were created and approved
Within 1 Day: 70% of Loan Applications were created and approved
STE (Start to End): Time taken from start of profile by the Field Agent to the time it has been approved by
Branch Manager.STE can be as low as a few hours. In some cases GRTs have gotten postponed leading
to higher STE times.With better scheduling by the branch, we can substantially lower the time taken to
acquire a customer. 26

30. Social performance
• Exis6ng
Loans
(62
Customers):
– Income
INR
1,169
– Family
Size
0
– Per
Capita
Income
INR
285
42%
55% 45%
58%
58%
Income
Increased
(INR
2,669)
45%
Per
Capita
Income
Increased
(INR
525.5)
Note:
These
are
monthly
figures.
Artoo
Slate
is
able
to
provide
useful
indicators
on
a
realGme
basis. 27

31. Social performance
• Repeat
Loans
(58
Customers):
47%
53%
53%
decreased
or
maintained
their
outside
borrowing
(number
of
loans)
•
Borrowing
INR
5661
•
One
in
every
two
people
have
cancelled
one
loan
Note:
Artoo
Slate
is
able
to
provide
useful
indicators
on
a
realGme
basis. 28

32. service quality
• Errors
pointed
out
by
Branch
Manager
during
House
Visit
or
the
GRT
person
• Can
measure
performance
of
field
agents
and
recommend
refresher-­‐training,
if
required
%&&"&'# *(+#,)-.)/""-",)
'$" )"
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&"
!"#"$#%&&"&'#
&" %"
$"
%"
#"
$" !"
#" *+,"-./0" 7.0689:" =46>?3+" C332+>>" =46>?3+" *+,"-./0"
12.3456" ;05.<+" @.22.,?0A"B" @.22.,?0A"B" F:59+"
!" C<.406" D.425+".E"
()*+(," -,.+/," *+,/0,-" -./0"
29

33. New
branch transactions
• Branch
can
post
its
transacGons
– Disbursements
– Bank
related
(deposit
/
withdrawal)
– Admin
Pey
Cash
– OperaGons
Pey
Cash
– Tallied
with
Main
Cash
and
seled
– Beer
cash
management,
audit
– End
of
day
selement
30

34. success stories
New
• Capture
real
success
stories
from
the
field
– Capture
Gme
bound
videos
from
the
field
– Publish
these
videos
onto
corporate
home
page
– Engage
with
end
customers
• Videos
are
rendered
at
on
Non-­‐Collec6ons
center
mee6ngs
– Real
Social
Performance
ReporGng
– Engagement
with
all
stakeholders
31

35. appendix
32

36. ... and more
• 100%
Reliability
of
data.
– Field
agents
can
perform
their
day-­‐to-­‐day
operaGons
using
Artoo
Slate
without
the
intervenGon
of
anything
else
(like
trackers,
excel
etc)
• Self
sufficient
Workflows:
– Does
not
require
coordinaGon
with
other
tools
or
teams
(like
Help
Desk)
-­‐-­‐
eg.
preclosure
• Artoo
Slate
can
be
used
to
train
on
new
products,
processes,
etc
33

37. artoo slate
34

38. Core Banking System
Designed to be compatible with a In real-time query the CBS to
wide variety of Android Devices provide time sensitive information
(phones & tablets) like Preclosure Amount
One click synchronize with
central server for all activities
Uses AES (adopted by US Government) to
Setup standard tactical reporting to encrypt data sent over the network
send customized reports through
email. Supports all excel features
like pivots, macros, etc.
Gesture enabled!
Leverage the touch screen by making Get software updates in the field on the fly
gestures like a Tick or a Cross sign to without loss in productivity. Enterprises can
make mass approvals or deletions virtually change processes over night.
35

39. Contact:
Sameer Segal, Founder & CEO
Artoo IT Solutions Pvt Ltd
sameer@artoo.in
+91-98866-89754
Thank you
www.artoo.in
Winner, Winner,
TiE’s
KBE
Compe33on,
2010
Surathkal
Innova3on
Challenge,
2010
ConfidenGal