Self-Service Channels

Target releaseMifos X 16.xx
Document statusDRAFT
Document owner

Ed Cable



  • Client-level APIs to enable client with permissions and data scoping as authenticated users

Background and strategic fit

Supports following use cases:

  • Self-Service Portals: web-based online banking interface, SMS/USSD information portal for inbound SMS & pull notifications, client-facing direct banking smartphone app
  • USSD/SMS interfaces for initiating transactions
  • Agent-based models: agent banking, PAYG




CustomerLocationDescriptionStatusUSSD InterfaceSelf Service - MobileSelf Service - WebMobile WalletAgent
Financial Institution NameCountryOverview of Requirements Processes to be supportedProcesses to be Supported Processes...Processes...
Musoni Services    Android-based client being built by JP Morgan   
Grooming MFNigeria       
Upscale Consultancy Services For the NBFC, they need to do a lot of pre-boarding for their client (lead generation) via self-service channels.  Self Service Mobile App - direct sales app which will allow for clients to apply for and upload KYC documents for loan applications. Self Service Web App - direct sales web app which allow clients to apply for loans.   
ePay Kenya


PayGoSol (Ensibuuko)Uganda       
OmexitKenyaBuilding USSD application and front and back-end for one of clients. Too steep of learning curve to understand all of Mifos X so just started building apps. Plans to port over to Mifos X/LF 
  • Front-end USSD application that communicates to back-end service for

    • Checking loan status

    • Checking what need to pay

    • Reminders/SMS

    • Client can choose from menu of loan products
CashCare IndiaIndiaE-commerce credit services  Access to customers to view their basic details and do a lot of self service activities from their machines.   
Elevate Africa Inbound SMS  Self-Service via USSD or SMS, i.e. send shortcodes to number to retrieve account balances, etc.   



See Self Service Portal (Client-Level APIs) for current design. 

#TitleUser StoryImportanceNotes

User interaction and design


Below is a list of questions to be addressed as a result of this requirements document:


Not Doing