11th December 2009

Rural Information Services

Bridging the rural/urban divide using Information
Communication Technology Enabled Services
Euro-India ICT Cooperation conference, IMI, New Delhi,
10 - 11 December 2009

James Carter, New Delhi, India

Consultant
Business Development

www.ekgaon.com
About ekgaon

Leading Information and Communication Technology (ICT) and management

services company

Working over several years across South Asian and African Markets

Innovating technologies and developing communication systems for enabling

access to knowledge based services to rural areas

Head office in New Delhi India and regional office in South India (Madurai,
Tamil Nadu), working through partners in Nepal, Sri Lanka & Africa

Public-Private consortium for effective service delivery

Core aim of our systems and technologies is development of capacities and
enabling greater ownership of producers in supply chains

Our efforts are aimed at providing best services at most economical cost to
rural clients. Consciously we try to evolve services model such that
intermediaries in higher value chain bear larger cost of service and not the end
consumer.

ekgaon strives for community ownership in Enterprises, Media, Technology, Heritage, Finance, Development & Governance 1
Sectors Involved

Management Information Systems Technology Solutions

– Microfinance – Mobile Based Secure Financial Transaction System

– Micro-Insurance – Mobile Based Locations Tracking System
– Agricultural Supply Chain – Money Transfer - Remittance System
– Enterprise Management – Banking Correspondent - Door to Door Banking
– Knowledge Management – Point of Sale & Smart Card Systems

Other Areas Knowledge Based Services

– Strategic Consulting – Climate & Weather Information

– Software Development – Agro-Advisory Services
– Interface Technologies – Alerts & Early Warning System
– Indian Language Solutions – Realtime Content Management System

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Recognition & Awards

India Winner 2009

The Dell Small Business Excellence Award honours businesses that apply
technology in innovative ways to improve the customer experience and grow.
ekgaon was chosen out of more than 5,000 applications and ten finalists as
winner in the India round.
“ekgaon is living proof that smart IT investments can not only pay off for the
business itself, but for their customers as well,” said Ravi Bhardwaj, General
Manager – SMB, Dell India.
ekgaon is the first winner of the prestigious award from India, the award includes
25,000 USD worth Dell products. ekgaon would represent India in a global
competition of Dell Small Business Excellence Award 2009, where finalist of all
countries from world would present their companies to an International Jury.

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Recognition & Awards
ekgaon's co-founder/Director and Chief Executive
Officer, Vijay Pratap Singh Aditya, has been named
Ashoka – Lemelson Fellow in 2008. Ashoka Fellows
are fellows for life. The list includes leading social
entrepreneurs who are recognized to have evolved
innovative solutions to social problems that have
potential to change patterns across society. Ashoka
Fellows work in over 60 countries around the globe in
every area of human need. The list includes Muhammad
Yunus – Founder, Grameen Bank in Bangladesh, Anil
Agrawal – Founder, Centre for Science and Environment
in India, Victoria Hale - Founder, OneWorld Health in
USA, amongst others.

ekgaon's project “Enabling financial

inclusion and increasing efficiency of
Self Help Groups Microcredit
Federations”, was awarded the first
Stockholm Challenge GKP awards 2007
in the Economic Development category.

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 Providing Financial Services to Un-banked
Challenges

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Problems & Requirement

Enabling secure door step financial services

Systems to be able to meet financial reporting standard of Central Bank

and Service Banks

Current technologies for enabling financial transactions are expensive
and require regular maintenance and support

Management Information systems are not able to meet the growing
requirements of the sector, to enable product and service diversification

Affordable cost of ownership of system and technology

Standardised system compatible with

– Policies, systems, operation standards
– Banks operational framework

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OneMIS Solution

Uses Mobile based application and/or e-POS allowing them as a point of sale
device

Allows secured door-step services through Business Correspondents

Allows Business Correspondent authentication before service delivery

Allows client authentication before service delivery

Allows balance inquiry on client accounts on BC Mobile, Client Mobile, magnetic

or smart card through e-POS and as mini-statement using mobile or e-POS as
point of sale device

Mobile phone also works with portable thermal printer to deliver real-time receipt
for all transactions

Allows provisioning savings, credit, premium collection services

Is low on maintenance, training and support

Is scalable and has scope of widening services enabled

Has low cost per transaction

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Technical Architecture for Door-Step Financial Service Delivery

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Client using OneMobile solution

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Products - Financial Services

Enterprise wide solution for MFI/Banks to manage microfinance client

portfolio including

Mobile application platform for enabling Financial service delivery

OneRemit

Mobile/Epos based technology solution for enabling remittance

OneScore

Scoring product for Retail microfinance clients (Under development)

OneNetwork

Franchisee centres for providing ekgaon services

Partnership with NokiaSiemens Network & BSNL

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 Microfinance Solution - Savings Service Module

Microfinance Solution - Savings service module allows savings collection at door step. After security
authentication of client transaction is done using mobile camera. Savings collection module allows collection of
savings, value is confirmed and a transaction receipt is generated in realtime and handed over to client.

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 Microfinance Solution - Savings, Mini statement & other applications

Microfinance Solution could allow multiple service delivery at door step. OneMIS solution would allow secured
transactions in realtime with server providing services like savings collections, loan repayment, remittances, Mini
Statement, Bill payment etc.

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 Microfinance Solution - Middleware Application

Bank Microfinance solution would interface with OneMIS Data Integrator Application for backward integration
with Bank’s Core Banking Solution. Data would be sent as SMS by mobile mobile phone to the OneMIS server
running middle ware application and connected to GSM Modem.

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OneMIS Application Modules

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OneMIS Application Modules

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Value Proposition of OneMIS solution

Instant Access to Information

Staff Monitoring

Control Over Cash

Increased availability of funds

Low Investment

Low Transaction Cost

Increases Transparency and Flexibility

Allows rating of client and portfolio on various social, financial and

operational performance criterion

Allows linking with ‘Core Banking Solution’ of Banks

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Products - Agro-Advisory

ekgaon offers crop value chain advisory and information services to help
farmers enhance productivity of their farms

Soil Nutrient Management Advisory Services

Crop Weather Alerts

Crop Market Prices, Commodities Futures* and Spot Prices*

Crop Disease Alerts

Agriculture Finance & Credit Information*

Agriculture Input Suppliers Information*

E-commerce Mandi*

* Proposed

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Products - Agro-Advisory

Four Day Weather Forecast for Farmers in Tamil Nadu

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Products - Citizen Services

ekgaon provides solutions for ensuring delivery of citizen services and tracking delivery of social
benefit entitlements to the poor citizens

Mahatama Gandhi Rural Employment Guarantee Programme (MGREGP)

Pensions - Old Age, Widow, Disabled, Destitute etc.

Public Distribution System

Rural Health Services

Mid Day Meal Programme

Scholarship for Students

Rural Education - Teacher & Students presence

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Contact

For related inquiry please contact

Rohit Magotra, Chief Operating Officer

Community Finance Unit

E 142 A, Lower Ground Floor, Kalkaji, New Delhi - 110 019, India
tel: +91 11 4055 1490 | fax: +91 11 4055 1491
email: info@ekgaon.com | web: www.ekgaon.com

Regional Office (South India)

Door No. 14/6, Opposite BSNL Exchange, Ellis Nagar, 20 Extension Road, Madurai - 625010, Tamil Nadu, India
tel: +91 452 4368094 | telefax: +91 452 2602433 | email: info@ekgaon.com | website: www.ekgaon.com

Registered Office
Ahmedabad, Gujarat, India

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Thank You

www.ekgaon.com