TERMS OF REFERENCE
ASSIGNMENT TITLE:
PROJECT NAME:
PLACE OF ASSIGNMENT:
Developers to assist with coding and design of a data registry and GIS
Based analytics system at NRB
MOBILE MONEY FOR THE POOR (MM4P)
Kathmandu, Nepal
1. BACKGROUND
UNCDF is the UN’s capital investment agency for the world’s 48 least developed countries (LDCs). With its
capital mandate and instruments, UNCDF offers “last mile” finance models that unlock public and private
resources, especially at the domestic level, to reduce poverty and support local economic development.
This last mile is where available resources for development are scarcest; where market failures are most
pronounced; and where benefits from national growth tend to leave people excluded.
Mobile Money for the Poor (MM4P) is a programme launched by UNCDF in partnership with the Swedish
International Development Agency (Sida), the Australian Department of Foreign Affairs and Trade (DFAT),
the Bill & Melinda Gates Foundation and The MasterCard Foundation. MM4P provides support to
branchless and mobile financial services in a select group of LDCs to demonstrate how the correct mix of
financial, technical and policy support can build a robust branchless and mobile financial services
ecosystem that reaches low income people in LDCs.
MM4P launched in Nepal in 2013. The preparatory phase of MM4P has been done in consultation with
the Central Bank of Nepal, the Nepal Rastra Bank (NRB) and with the permission of the Ministry of
Finance, with a focus on research, awareness raising, assistance in strategy and business planning and
working with the NRB.
UNCDF also received permission from the Government of Nepal (GoN) to expand MM4P activities in
Nepal under UNCDF’s Inclusive Finance Country Framework – known as the Access to Finance (A2F) –
UNNATI Programme.
In 2015, MM4P secured a partnership with USAID to continue its activities in Nepal through 2016.
MM4P’s overall work in Nepal is managed by it Technical Specialist, Digital Finance (TS DF), based in
Kathmandu.
The Better Than Cash Alliance (BTCA) is an alliance of governments, private sector and development
organizations committed to accelerating the shift from cash to electronic payments. Shifting these
payments from cash to electronic has the potential to improve the livelihoods of low-income people by
advancing financial inclusion and enabling people to save, while giving governments, the development
community and the private sector a more efficient, transparent and often safer means of disbursing
payments. Nepal joined the BTCA alliance in 2015.
Nepal Rastra Bank (NRB) Nepal has made significant improvements over the years in terms of financial
services delivery outlets/channels offered through both formal and informal financial institutions.
Despite that, the level of adults Nepalese above 18 years who are excluded from financial services
remains significant. The data from the Finscope Nepal survey 2014 showed that only 40% of the
population are banked, with significant disparities between the regions.
The central bank of Nepal, Nepal Rastra Bank had deployed various policy instruments to ensure that the
financial services are able to make in-roads in remote and rural areas. Still financial services are
concentrated in mostly urban and semi-urban areas, with Kathmandu valley region having the highest
concentration.
2. OBJECTIVE OF THIS TOR
Institutions licensed by Nepal Rastra Bank (NRB) are required to report a range of data to NRB on a
regular basis. Some of this data pertains to financial access and usage of various services. NRB has been
using a legacy system for past 3 years to manage this process of data collection with individualised login
for every institution. The reporting system was managed in-house at NRB and operates on a PHP-MYSQL
database system.
The current system:
 Allows Financial Institutions (FIs) download data reporting templates
 Allows FIs to upload their data as formatted CSVs which are then housed in a MYSQL database
NRB is in process of improving the existing system and adding new modules on to it, which would also
provide them dynamic facility to manage data and that is also aimed to be equipped with BI capabilities
based on GIS Mapping.
The current system is developed in PHP-MYSQL with Codeignitor Framework, it will be necessary to
develop the add-on system on the same platform with the handover of the entire set of codes to NRB.
The developer/s will be guided and work under the supervision of NRB and the project supervisor.
Documents detailing the design and functional requirements for the system will have been developed by
the NRB and the project supervisor, these will be available to the developers.
Whilst every effort will be made to provide complete guidance through the documentation and
functional requirements, it is expected that the developer/s will be flexible in responding to changing
requirements for NRB as circumstances may arise.
3. SCOPE OF WORK & DETAILED DELIVERABLES
The work as part of this ToR shall include the following as below. It is expected that under the
development phase, the development team would work primarily with the Bank and Financial Institution
Regulation Department and IT Departments. They may liaison with other departments within Central
Bank to get the feedback and inputs.
·
Data Reporting Modules that include:
Daily Liquidly Management (Migration from the existing system)
Interbank Lending Management (Migration from the existing system)
CRR Reports (Migration from the existing system)
Upload of Balance sheet/ PL/ and Credit information (Migration from the existing
system)
Module for data import for Quarterly Financial System (Migration from the existing
system)
Upload data for e-banking information (9.15c)
PSP and PSO Settlement and Reporting Module
Upload of Excel data for various data reporting reports
Registry Module that includes:
Institutional BOD info Detail
Institutional Bank Merger/Upgrade/Downgrade Management
Mapping of High Value Borrower
Circular Management
Promoter List Management
Submission & Delayed Reports Module
Institutional Employee Management Module
Management of VDC, District & Zones with Mergers and Implementation of Local Body
Information
Cross Data Verification Module
Validated Intuitional Licensed Function Mappingbi
Dashboards and Analytics
Carto Dashboard Integration
Business Intelligence Dashboard Development and Integration
Public Dashboards
Others
SMS and Email Integration module with report
Browser based Office Viewer
Workflow system for requesting and approval process of access points
Mobile App integration
On the BI tool, it would be expected to conduct a thorough assessment of different tools available in
market and only after due agreement and endorsement by NRB procure the license for max of 5 years,
for further integration.
4. TIMELINE, DURATION OF ASSIGNMENT, DUTY STATION AND EXPECTED PLACES OF TRAVEL
Location: Kathmandu, Nepal
Timeline: July, 2017 to September, 2017
Location(s); Kathmandu, Nepal
Total Maximum Number of Working Days for Assignment can only be up to 300 Days (Multiple
developers can be deployed for completing in time).
Please provide a breakdown of staff and related working days in your technical proposal.
5. FINAL PRODUCTS











6.
Reporting entities management system
Data upload mechanism
Migration and clean up of the data
System for query based report generation
Geo-spatial analysis module
Business Intelligence Dashboard
Public Dashboard Integrated with NRB website
Mobile App fully functional and integrated with the system
Compliance checking module
Document broadcasting or issue system
Integration of database with front end-user interface
PROVISION OF QUALITY, MONITORING , PROGRESS CONTROLS & PAYMENTS

The developer(s) will either work onsite at NRB office under direct supervision of NRB’s IT team
supported by the project supervisor or will be managed remotely by the project supervisor. Also,
the developers will be supervised by the Country Technical Specialist, Nepal, UNCDF.


Payment will be made on periodical basis in accordance with number of man hours worked and
upon satisfactorily achieved deliverables. All payments are subject to the clearance and approval
of the Country Technical Specialist, Nepal, UNCDF.
Final payment shall require a signed performance evaluation of the consultants/firm.
7. PROPOSAL & BUDGET
The contractor shall provide technical and financial proposals.
The Technical proposal shall describe the methodology and approach to achieve the objectives of the
scope of work, including the team proposed.
The Financial proposal must provide a detailed price breakdown.
8. SELECTION CRITERIA





Local Office and support should be present in Nepal
Company with 10 years + of experiences
Company with at least $100,000 in revenue in last fiscal year
5 Developers should have 5+ years of PHP programmer with experience on PHP on Codeignitor
with CVs.
Experience working with NRB or a similar function related to banking sector would be preferred
Programing Language
 Understanding the fully synchronous behavior of PHP
 Strong knowledge of the common PHP or web server exploits and their solutions
 Pre-developed framework on HMVC design patterns for data reporting components
 Familiarity with limitations of PHP as a platform and its workarounds
 Strong knowledge of Carto api or similar mapping technology
 Strong knowledge of reporting tools and Business Intelligence (e.g. php report maker,
crystal report etc.)
 Proficiency in Version Control tools (Git is compulsory)
 Understanding fundamental design principles behind a scalable application
Front End Development and Designing
 Experience on front-end technologies, such as JavaScript/jQuery, Ajax, HTML5, and CSS3
 Understanding accessibility and security compliance
Database






Integration of multiple data sources and databases into one system
Integration of data storage solutions (e.g. databases, key-value stores, blob stores, etc.)
Should be able to design database schemas based on our business requirements
Familiarity with SQL/NoSQL databases and their declarative query languages
Strong knowledge on various database tools (tables design, query optimization, stored
procedure, trigger, views etc.)
Strong knowledge of store management and synchronization
Language:
 Fluency in English and Nepali.
8. APPLICATION
Selection criteria for selecting the firm:
Technical proposal: 70%
- Expertise of the Firm: 30%
- Methodology, Its Appropriateness to the Condition and Timeliness of the Implementation Plan:
10%
- Management Structure and Qualification of Key Personnel: 30%
Total cost of the proposal: 30%.
Notification of this TOR will be sent by email. The proposal will be submitted by email to
[email protected] within two weeks of the notification of this TOR.
Response email cannot exceed 10MB.