Mobile Money Integration and Management Reporting

Grameen Foundation and KEEF Microfinance, Kenya. Mobile money delivery from a zero baseline

Organisation: Grameen Foundation / KEEF Microfinance
Role: IT Technical Consultant, Project Lead
Scope: KEEF Microfinance Kenya, national network

4M-Pesa Flows
+25%Client Satisfaction
100+Staff Onboarded
ZeroStarting Point

Overview

KEEF had no M-Pesa integration and all transactions were manual and in cash. I led delivery of the M-Pesa integration with their Temenos core banking system, together with a suite of management reporting dashboards giving real time portfolio visibility for the first time.

The Problem

There was no digital payment capability, no reconciliation trail, and no management reporting. Delivery depended on two external parties, the payment provider and the core banking vendor, with no prior integration precedent in the institution.

My Role & Delivery Leadership

Project lead and technical consultant. Defined scope and the work breakdown structure, managed the payment provider and core banking vendor to milestone, ran the test strategy and UAT, and led change management and onboarding for over 100 staff.

Delivery Approach

Structured integration delivery with a single vendor

Initiation

Scope definition with sponsor, feasibility of M-Pesa integration from a zero baseline

→ Project charter, scope statement

Planning

Work breakdown structure, integration schedule, test strategy and risk register

→ WBS, schedule, test strategy

Execution

Integration build with payment provider and core system vendor, four payment flows configured

→ Integrated payment flows, reporting layer

Monitoring and Control

Weekly status against plan, defect and issue management, change control

→ Status reports, issue log

UAT and Training

End to end acceptance testing with branch staff, over 100 staff trained

→ UAT acceptance, training completion

Closure

Go-live support, operational handover and post implementation review

→ Closure report, benefits review

Key Challenges & Solutions

Integrating two vendors with no precedent

Joint delivery plan with shared milestones and a single issue log, reviewed weekly with both vendors and the sponsor.

Four reporting audiences with different needs

Requirements separated by audience and signed off individually, avoiding scope drift during build.

Building staff trust in digital reconciliation

Full audit trails and exception handling defined as acceptance criteria, verified in UAT with branch and finance staff.

Outcomes & Impact

Full M-Pesa integration from zero: Integrated platform covering repayments, disbursements, savings and reconciliation.
25% improvement in client satisfaction: Clients gained the convenience of mobile money without branch visits.
Real time management visibility: Branch managers and head office gained real time portfolio visibility for the first time.
Donor reports in minutes: Reduced from days of manual compilation to near instant export.
100+ staff successfully onboarded: Structured change management delivered a 30% adoption increase in the first quarter.

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