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Date: Tue, 16 May 2017 13:33:45 +0000 (UTC)
From: Nikhil Pawar <nikpawar89@yahoo.in.INVALID>
Reply-To: Nikhil Pawar <nikpawar89@yahoo.in>
To: "dev@fineract.apache.org" <dev@fineract.apache.org>,
	Ed Cable <edcable@mifos.org>,
	Mifos software development <mifos-developer@lists.sourceforge.net>,
	Nikhil Pawar <nickrp89@gmail.com>
Message-ID: <1259604525.840134.1494941625358@mail.yahoo.com>
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Subject: Re: [Mifos-developer] Inputs required for credit bureau integration
	phase 2
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Hello Nyi,
Thank you for your feedback, this is going to help a lot.Please find my res=
ponse inline.

Regards,Nikhil

      From: Nyi Aye <nyi.aye@thitsaworks.com>
 To: Ed Cable <edcable@mifos.org>; "dev@fineract.apache.org" <dev@fineract.=
apache.org>; Mifos software development <mifos-developer@lists.sourceforge.=
net>; Nikhil Pawar <nickrp89@gmail.com>=20
 Sent: Tuesday, 16 May 2017 5:28 PM
 Subject: Re: [Mifos-developer] Inputs required for credit bureau integrati=
on phase 2
  =20
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 cr=
edit bureau has started their operations yet but we will share the specific=
 integration options and technologies for data access by credit reporting a=
gencies 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 application=
s?Nikhil- As of now it is one way integration but we are going to make it t=
wo way communication in current phase.

Some high-level considerations that we would like to request in designing t=
he integration include:

1. Ability to pull real-time data from multiple credit bureaus via API (wil=
l they be displayed separately or will they be merged somehow?)Nikhil- As p=
er 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.=C2=A0 We can d=
iscuss this requirement further.
2. Ability to post requests via HTTPS with 128-bit SSL encryption.Nikhil -T=
he 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 s=
tandard.
3. Ability to retrieve data in XML format.Nikhil -Yes, data is being retrie=
ved 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 no=
t storing data being fetched, we were thing to cache entire credit report. =
To be on safer side=C2=A0we 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 ensur=
e 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 detai=
ls, will also have ability to to view credit score.=C2=A0

Seems like some of this is already in place.


Many thanks and regards,

Nyi


Nyi Nyein Aye

CEO & Managing Director

ThitsaWorks Solutions Myanmar Co., Ltd.

Tel: +95-9965732351 (Myanmar)

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

Email: nyi.aye@thitsaworks.com

Web: www.thitsaworks.com<http://www.thitsaworks.com>

Facebook: fb.me/thitsaworks<http://fb.me/thitsaworks>

Twitter: twitter.com/thitsaworks<http://www.twitter.com/thitsaworks>


________________________________
From: Nikhil Pawar <nickrp89@gmail.com>
Sent: Tuesday, May 16, 2017 1:01:18 PM
To: Ed Cable; dev@fineract.apache.org; Mifos software development
Subject: Re: [Mifos-developer] Inputs required for credit bureau integratio=
n phase 2

Hi Ed,

Sure, I would be updating the page with latest development on the credit bu=
reau project.
To summarize the current status:
1) The address module which was the prerequisite for the project has been i=
ntegrated and merged.
2) The Equifax India's sand box environment has been integrated as a standa=
lone client in Fineract.
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 t=
hat client. However, it is not configurable as of now, the repository detai=
ls have been hard coded.
3) With the aim of making the credit bureau more flexible, Credit bureau co=
nfiguration module was created wherein, the user would be able to store all=
 the required configuration for credit bureau, it has been completed and th=
e 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 configurable.


Regards,
Nikhil


________________________________
From: Ed Cable <edcable@mifos.org>
To: Nikhil Pawar <nickrp89@gmail.com>; dev@fineract.apache.org; Mifos softw=
are development <mifos-developer@lists.sourceforge.net>
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 Nikhi=
l is refining the design for genericizing the credit bureau integration mod=
ule 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 specificatio=
ns from the respective credit bureaus so Nikhil can know the available poin=
ts of integration.

Nikhil - could you please update the page on the wiki with the relevant sta=
tus and the current links to JIRA tickets - https://cwiki.apache.org/conflu=
ence/display/FINERACT/Credit+Bureau+Integration

Nikhil, could you also include the specs on the Equifax India integration s=
o others can know the level of detail of information they could ideally pro=
vide.

Here's a link to the outstanding pull requests related to credit bureau int=
egration - https://nikpawar89.github.io/

Thanks,

Ed


On Wed, Apr 19, 2017 at 3:17 PM, Nikhil Pawar <nickrp89@gmail.com<mailto:ni=
ckrp89@gmail.com>> wrote:
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 cr=
edit bureaus in Apache Fineract.Besides creating a generic framework,we are=
 also planning to integrate another credit bureau which is outside India re=
gion.I would soon come up with a Wiki page on the design of generic framewo=
rk. Meanwhile, If you have any inputs/ recommendation/ requirements which y=
ou want us to consider in the design, please let us know about them.Also, i=
f you are interested to integrate a specific credit bureau which falls unde=
r Latin America, Africa or South East Asian region and you can help us acqu=
ire credit bureau's test environment details, please feel free to reach out=
 to us with your suggestions.
Regards,Nikhil


--
Ed Cable
President/CEO, Mifos Initiative
edcable@mifos.org<mailto:edcable@mifos.org> | Skype: edcable | Mobile: +1.4=
84.477.8649

Collectively Creating a World of 3 Billion Maries | http://mifos.org<http:/=
/mifos.org/>
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ng] <http://facebook.com/mifos>=C2=A0 [http://organizationsandmarkets.files=
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