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From Nikhil Pawar <>
Subject Re: [Mifos-developer] Inputs required for credit bureau integration phase 2
Date Tue, 16 May 2017 13:33:45 GMT
Hello Nyi,
Thank you for your feedback, this is going to help a lot.Please find my response inline.


      From: Nyi Aye <>
 To: Ed Cable <>; "" <>;
Mifos software development <>; Nikhil Pawar <>

 Sent: Tuesday, 16 May 2017 5:28 PM
 Subject: Re: [Mifos-developer] Inputs required for credit bureau integration phase 2
Dear Ed and Nikhil,

Thanks for this. This is a great. We do need a credit bureau integration in Myanmar. However,
the regulations on credit reporting were just issued on 31st March of this year and it only
contains high-level requirements. No credit bureau has started their operations yet but we
will share the specific integration options and technologies for data access by credit reporting
agencies once they are known.

Could this be a two-way integration: (1) to submit credit data of borrowers to the credit
bureaus; and (2) to perform credit check for new applications?Nikhil- As of now it is one
way integration but we are going to make it two way communication in current phase.

Some high-level considerations that we would like to request in designing the integration

1. Ability to pull real-time data from multiple credit bureaus via API (will they be displayed
separately or will they be merged somehow?)Nikhil- As per the current design, we have mapped
loan to credit bureau product with 1-1 relationship. i.e you can map different loans to different
credit bureaus but you cannot map single loan to different credit bureaus.  We can discuss
this requirement further.
2. Ability to post requests via HTTPS with 128-bit SSL encryption.Nikhil -The communication
is already on HTTPS but I am not encrypting it.If this is compliance issue we will secure
the communication as well as per required standard.
3. Ability to retrieve data in XML format.Nikhil -Yes, data is being retrieved in XML and
we are parsing it to fetch fields of interest.
4. Ability to check the credit score in Mifos without storing credit data (no external credit
histories of clients on Mifos)Nikhil-Currently we are not storing data being fetched, we were
thing to cache entire credit report. To be on safer side we will make this also configurable,
so that users can decide what to store from the report.
5. Ability to configure access to credit bureau integration module to ensure that only approved
users can access credit score.Nikhil- The credit score can be viewed in viewloanaccount summary
along with different tabs, credit check tab is enabled.So the user who has access to view
loan account details, will also have ability to to view credit score. 

Seems like some of this is already in place.

Many thanks and regards,


Nyi Nyein Aye

CEO & Managing Director

ThitsaWorks Solutions Myanmar Co., Ltd.

Tel: +95-9965732351 (Myanmar)

Tel: +1-347-255 9226 (US)





From: Nikhil Pawar <>
Sent: Tuesday, May 16, 2017 1:01:18 PM
To: Ed Cable;; Mifos software development
Subject: Re: [Mifos-developer] Inputs required for credit bureau integration phase 2

Hi Ed,

Sure, I would be updating the page with latest development on the credit bureau project.
To summarize the current status:
1) The address module which was the prerequisite for the project has been integrated and merged.
2) The Equifax India's sand box environment has been integrated as a standalone client in
As Credit check is optional module, Once you enable the credit check and if client has applied
for loan, user would be able to do a credit check for that client. However, it is not configurable
as of now, the repository details have been hard coded.
3) With the aim of making the credit bureau more flexible, Credit bureau configuration module
was created wherein, the user would be able to store all the required configuration for credit
bureau, it has been completed and the PR has been sent for review.

Tasks scheduled for next two weeks before the coding period begins :
1) The current design is inflexible, so the first target is to come up with the generic design
of the credit bureau module.
2) Connect the stand alone client with the configuration module which will make the client


From: Ed Cable <>
To: Nikhil Pawar <>;; Mifos software development
Sent: Saturday, 13 May 2017 4:10 AM
Subject: Re: Inputs required for credit bureau integration phase 2

Hi Fineracters,

I wanted to bring this email to the top of your inboxes once again as Nikhil is refining the
design for genericizing the credit bureau integration module that he'll be working on during
this summer for Google Summer of Code.

I will reach out directly to some of the partners who have expressed a need for credit bureau
integration but what is most needed are the specifications from the respective credit bureaus
so Nikhil can know the available points of integration.

Nikhil - could you please update the page on the wiki with the relevant status and the current
links to JIRA tickets -

Nikhil, could you also include the specs on the Equifax India integration so others can know
the level of detail of information they could ideally provide.

Here's a link to the outstanding pull requests related to credit bureau integration -



On Wed, Apr 19, 2017 at 3:17 PM, Nikhil Pawar <<>>
Hello Devs,
In the phase 1 of credit bureau Integration last summer, Equifax-India was Integrated with
Apache Fineract as a stand alone client.We are now planning to design a generic framework
which would facilitate on boarding of new credit bureaus in Apache Fineract.Besides creating
a generic framework,we are also planning to integrate another credit bureau which is outside
India region.I would soon come up with a Wiki page on the design of generic framework. Meanwhile,
If you have any inputs/ recommendation/ requirements which you want us to consider in the
design, please let us know about them.Also, if you are interested to integrate a specific
credit bureau which falls under Latin America, Africa or South East Asian region and you can
help us acquire credit bureau's test environment details, please feel free to reach out to
us with your suggestions.

Ed Cable
President/CEO, Mifos Initiative<> | Skype: edcable | Mobile: +1.484.477.8649

Collectively Creating a World of 3 Billion Maries |<>
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