Content

Background

Aim

Discuss overlaps and synergies between openIMIS and OpenG2P in the aim of supporting the payment layer for digital social protection schemes. Two Topics were discussed:

• technical integration of openIMIS and Mifos for payment layer

• strategy for openG2P integration

Date

12.05.2021 - virtual call

Participants

• James Dailey

• @Uwe Wahser

• @Saurav Bhattarai

• @Jean Brice Tetka

Minutes

Mifos.org → mifosX was developed as “headless” banking application 2011:

• core banking system with apis

• front-ends and applications by vendors

fineract:

• Mifos core moved to Apache as http://fineract.apache.org

• mifos concentrated on applications that connect to core

PaymentHub by Mifos 2019-present

• payment hub to connect Core with payment mechanisms (switch, aggregators, wallets etc)

openG2P:

• both a framework and a set of technologies

• key effort in connecting payment to odoo (Beneficiary Management)

difference odoo vs. mifos:

• odoo connects to payment rails which don't exist in a lot of countries = focus on banked world

• mifosPaymentHub also connecting to mobile money or banking systems without a switch, e.g mobile money channels are excluded by conventional banking system

• odoo might have added functionality, but the topic might be too complex for that

• strength at odoo: crm, traditional erp, ... -  flexibility, adaptability

• core mifos (fineract) is a banking system

openIMIS use with odoo / mifos:

• inbound payments = contributions from beneficiary or policy holder (eg. employer)

-- individual wallets/accounts (simple)

-- request to pay

--> mifos payments hub

--> mifos banking module only needed for more complex accounts (e.g. with interest rates, fee structures etc.)

• outbound payment = hospital bills, re-imbursements/cash-outs to individuals, payrolls to hospitals & individuals

-- similarity to school capitation / utilisation - done with odoo front end

-- odoo formats payment instructions and sends it to mifos payment hub (who to pay how much)

-- government financial management systems - will need special integration with payment hubs

openG2P.org:

• Ebola HW payment system & mifos

• bundles odk, odoo, mifos payment etc.

next steps:

• exchange github links

• set up technical call mifos / openIMIS on getting things done

• set up business call mifos / SPIAC-B / WB etc on defining standards