INFORMATION TECHNOLOGY

A major thrust of the NATCCO Network in building an integrated network is through IT-based solutions that enable automated transactions and inter-connectivity of branches and co-ops, as well as digital financial services.
 
NATCCO’s offerings include the eKoopBanker and the eKoopBanker Plus financial software customized for co-ops with facilities that make it easy for them to comply with the Credit Information System Act  and the Cooperative Code, and Interfaced with the POS loan collection facility. 
 
The eKoopBanker/eKoopBanker Plus were installed in 356 co-op branches, for a total 372 sites nationwide.  210 co-ops  are now using our homegrown financial software.
 
Co-op bookeepers in Luzon and Visayas were re-trained on how to use the eKoopBanker.  This was done as the majority of the client support needed were related to procedural errors in using the system, as a result of staff turnover in the coops as well as lack of awareness on the other available functionalities of the system.   This empowerment of bookeepers will ultimately result in more efficient co-op operations and boost bottomlines.  
 
The latest enhancement on the eKoopBanker/Plus is its bulk messaging system or the text blast facility.  Co-ops can now notify  and remind their members on their accounts, loan obligations, and co-op activities or even greet their members on their birthdays  via automated text messages, which save the coops the time and cost of printing notices or announcements.
There were 70 co-ops  assisted and in different stages of credit data submission to the Credit Information Corporation,  including 18 that now actively submit credit data to the CIC.
 
NATCCO’s Pinoy Coop ATMs, performed 1.195 million transactions in 2017 with a volume of Php 2.88 Billion.  As of 2017, there are 30,792 Pinoy Coop ATM cards issued to co-op members.
 
Six (6) New Pinoy Co-op ATMs were installed in 2017 and 11 units have been replaced or upgraded for EMV compliance.
Kaya Payment Platform. NATCCO, together with the Philippine Federation of Credit Coops (PFCCO) and the Association of Asian Confederation of Credit Unions (ACCU), offers co-ops the Kaya Payment Platform, where co-op members can perform cashless transactions using a standard and digital savings product:  the KAYA savings account. The KAYA Payment Platform is an actualization of two of the pillars of network integration:  shared resources and contractual solidarity.  KAYA, an acronym for Kooperatibang may Asenso, Yaman at Abilidad or Kooperatiba: Atong Yawi sa pag-Asenso, is a centrally managed payments platform that enables coops – initially of NATCCO and PFCCO – to offer financial services such as bills payment, fund transfers or send money, top-up or prepaid loading, which their members access from banks, payment  centers, retail outlets or pawnshops.  Technology platforms, which require significant investments, are among the services that should be shared across the network and engaged collaboratively, instead of singly, by the co-ops. With economies of scale, barriers to access to digital technology solutions especially by small co-ops are effectively lowered.   
 
The technology solution partners for the KAYA Platform services  areTemenos, Software Group and ECPay.
In 2017, after more than a year of system customization and configuration, the KAYA Platform went live on two  digital channels:  over-the-counter (web-teller), and mobile phones.   Both channels enable intra-branch, inter-branch and inter-coop transactions. Thus, the KAYA Platform also facilitates the sharing of co-op branches in providing financial services to members, bringing coops closer to the goal of providing anytime, anywhere financial services.    
 
Two other online channels – the ATM and EFT POS -- will be made available in 2018. The current Pinoy Coop ATM service will be integrated into the KAYA Platform.   Twenty (20) co-ops went on-board the Kaya Payment Platform in 2017.  
 
NATIONAL RETAIL PAYMENT SYSTEM
The Bangko Sentral ng Pilipinas (BSP) adopted the National Retail Payment System (NRPS) Framework in its Monetary Board Resolution 1855 dated November 2.  The Framework is the policy of the BSP “to promote the establishment of a safe, efficient, and reliable retail payment system in the Philippines . . . with the complex interplay of different types of risk arising from the rapid evolution of retail payment activities of Bangko Sentral supervised financial institutions (BSFIs).”
 
Less than 5% of transactions in the Philippines are electronic or cashless.  The BSP envisions that by 2020, the figure would be 20%.  Transactions targeted are remittances, loans and investments, salaries, bills payments, goods and services, taxes and licenses and electronic fund transfers.
 
Benefits of NRPS are lower cost of transacting (compared to cash handling), increased economic activity (due to faster and safer transactions), bigger market reach (thru inclusion of underserved in rural areas), and new business models emerging.
While the NRPS applies to BSFIs, NATCCO  advocates for the co-op sector participation in the NRPS and provides inputs at NRPS meetings.  Through this, the BSP recognizes co-ops as partners in providing formal financial services especially to rural areas which, otherwise, could not be reached.
 

Would you like your members to have access to their cash anytime they need it?  Busy members are often constrained by time to visit the co-op and transact during regular branch banking hours. Delivering efficient financial services, however, requires co-ops to ensure other windows or channels are available for their members to perform transactions outside the regular banking hours and location.

The Pinoy Coop ATM of the NATCCO Network enables co-ops to service cash requirements of their members anytime and anywhere they need it. Co-ops can have and operate their very own ATMs to allow 24-hour convenience for the benefit of members and others in their community. And through ATM network inter-connectivity, members can also access their cash from any ATM in the country. 

Over-the-counter transactions can also be declogged through ATM services. Co-ops can issue ATM cards to their employees and members and credit to their individual ATM accounts their payroll, loan releases and/or savings withdrawal, thus limiting over-the-counter transactions to payments and easing workload of co-op tellers. Members also need not get the full amount of their loan proceeds in a single transaction – which is the traditional loan releasing procedure – but only withdraw the cash whenever they need it.  

NATCCO’s Pinoy ATM Service provides real-time, anytime, 24/7 convenience and reliability. You can be assured of our full support as our service includes ATM site and market evaluation, training for staff, installation of Ekoopbanker Plus software, immersion and training of staff, shipping and installation of the ATM, after-sales technical support, and upgrading of software.

Other IT Services

  • Voting System
  • Web Development
  • Kaspersky Antivirus
  • Microsoft Licenses

NATCCO’s e-Voting System is very easy to use and has the following features:

> Add candidate profiles and photos for BOD and Committee elections
> Secure online registration
> With start and stop date/time command for administrator
> Real-time voter and election statistics
> Allows viewing of election results during and after elections
> Simple system requirements: server with at least 2GB RAM, 40 GB hard drive, MS SQL Server 2005 in a LAN environment

In today's electronic world, people expect every legitimate business to have a website.A professional online presence adds a tremendous amount of credibility to the co-op’s image.

We make it easy for your co-op to be found online.

> Website up and running –fast!
> Domain registration
> Link to NATCCO website
> Free 2 days web maintenance training

Kaspersky Business Space Security

This antivirus offers an umbrella of protection to workstations and file servers from all types of computer threats, and keeps information secure and fully accessible to users of network resources. It is expressly designed to meet the increasing demands of servers operating under heavy loads.

We are also reseller of Microsoft Licenses

Windows 7 Professional FPP has been designed for small and medium sized businesses as well as professionals and enthusiasts. 

Microsoft Office Home & Business 2010 FPP has been designed for home used and also for small and medium sized businesses.

Ekoopbanker Plus

The Ekoopbanker software is the premier accounting software of the NATCCO network which responds to the very specific accounting needs of the cooperative sector in the Philippines. In order to improve the efficiency of NATCCO member cooperatives and facilitate the automation requirements of the sector, the Ekoopbanker provides an integrated software suit which promises to deliver the most up to date accounting solutions to users.

EKoopBanker Plus Advantage

  • Hosted service/Web-based savings & credit transactional system
  • Secured data
  • High system availability
  • Reduced hardware and systems maintenance cost
  • Better operational internal controls
  • Has facility for inter-branch and inter-coop transactions
  • More convenient service options to coop members, e.g. ATMs, POS

The Value of Network ATM Services

  • Enable members to withdraw cash at more convenient times and places than during branch banking hours
  • Reduce the costs of servicing members’ cash requirements
  • Provide faster and more reliable deployment of new and/or revenue-generating services
  • Provide ability for members to transact in ATMs of banks and other ATM consortiums
  • Common infrastructure simplifies complexities of managing ATMs

IT Contact Info

Kristine L. Cazon
913.70.11-15 loc 150 or 158
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SMART: 0908-8124722
GLOBE: 0917-5274372
 
Ekoopbanker Customer Support:
913.70.11-15 loc 151 
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SMART: 0939-9018771
GLOBE: 0917-5274372
 
ATM Customer Support:
913.70.11-15 loc 155
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GLOBE: 0917-5697494
SMART: 0939-9018769