Akpk - rfp21 - Oct03 - Akpk New Financial Advisory System
Akpk - rfp21 - Oct03 - Akpk New Financial Advisory System
Akpk - rfp21 - Oct03 - Akpk New Financial Advisory System
(REF: AKPK/RFP21/OCT03)
Issuer
Agensi Kaunseling Dan Pengurusan Kredit (AKPK)
Level 6, Menara Bumiputra Commerce,
Jalan Raja Laut
50350 Kuala Lumpur
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1. INTRODUCTION
AKPK is supported by the FA System which will manage the flow of clients
seeking Financial Advisory using the FA’ Appointment System. Its sources of
potential new customers are acquired mainly from the One Stop Portal, FE
(Financial Eduation) online learning website, Customer Portal & FI Gateway
(customer referred by FI), CRM, Live Chat, Call Centre Facilitation System,
Virtual Centre of Excellence and from the Financial Advisory Portal.
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It is of priority that the FA System must incorporate the Personalised Financial
Plan (PFP) for customers eligible for URUS/FIRST as it is compulsory for all
eligible URUS/FIRST customers to undergo the PFP.
In addition, the PFP is also offered to new and existing DMP (Debt
Management Programme) customers.
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3. CBS
4. CERIA
5. Call Centre Facilitation Centre
6. One Stop Portal
7. FI Gateway
8. Virtual Centre of Excellence
9. FE Portal
10. Mobile apps
11. Live Chat
12. Social Synergy Network
13. SME Self Diagnostic Toolkit
14. BI Tool
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F. Financial Advisory Results
Based on the customer profiling/category system to provide
1. Self managed programme
2. Hand holding programme
G. Flow of Information
1. CBS : DMP/SDRS
2. Appointment System
3. FA Portal
4. FI Gateway
5. Social Synergy Network, etc.
Phase 1
This phase of the Financial Advisory (FA) System to include the FA System
Dashboard, FA Financial Calculator, Tracking & Monitoring system, Digital
Feedback, Customer Journey, FA Helpdesk, Financial Statements, Financial
Advisory Report, FE Modules Household, FE Modules Household
(URUS/FIRST Scheme), FE Modules Business – Microenterprise (FIRST
Scheme), Financial Resolution Household (DMP) & Business (SDRS), FA
Modules PFP (URUS/FIRST Scheme), Financial Analysis Report, Financial
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The FA System Dashboard will include:
Able to view:
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Number of walk-in customer without Appointment by each
service
Number of Pending/Waiting Approval by each service
Number of Reassess cases by each service
Number of Approved by each service
Total overall by each service
Able to monitor daily activity within TAT, exceed TAT, reassess within FA,
branches, etc.
2. FA Calculator
It will include:
b) Amortisation
Amortisation is an accounting technique used to lower the value of a
loan and the amortisation calculator will show the paying off debt
through regular principal and interest payments over time and a
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schedule to reduce the current balance on a loan
through instalment payments.
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f) Investment Projections
The calculator provides an indication of how investments might grow
over time. It shows how much the initial investment could grow with
additional monthly and yearly contributions.
It shows how much a potential investment might earn, before taxes and
inflation, based on the expected or assumed annual rate of return with
interest compounded monthly or annually, depending on the frequency
of the contributions. The calculator assumes the investment
contribution is made at the beginning of each period.
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repayment (in months), the total interest payable and the total amount
to be paid at the end.
4. Digital Feedback
5. Customer Journey
Able to view and track the customer journey from the time of 1st contact with
AKPK until cases are solved.
- System to allow both customer and FA to track and
monitor the whole financial planning journey (In the FA portal &
in the FA System respectively).
6. FA Helpdesk
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- The respective department/branches will receive notification
on Helpdesk logs
via email.
- System to generate reports in Graph format on a daily, weekly,
monthly and yearly basis involving all Solved as well as
exceeded TAT cases (T+2).
Example:
Other Income
Variable Allowance:
OT
Meal Allowance
Etc
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II. Expenses Template
Fixed Expenses (Statutory Deduction)
PCB/Tax
EPF
SOSCO
Insurance (EIS)
Fixed Expenses
Zakat
Children education/nursery
Type of credit Template
Example:
Other Credit Commitment (Liability)
Housing Loan
Hire Purchase
Personal Loan
Credit Card
PTPTN
Variable Expenses
Food
Transportation
Car Maintenance i.e. petrol, toll and parking
House maintenance
Utility
Entertainment
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Bonds
Other investmests
Cash/Term Deposit
Properties
Motor Vehicle
Stocks and Shares
Other Assets
Total Assets
Bank Financing
Income Tax Payable
Accounts & Bills Payable
Total Liabilities
Total Net Worth
Total Guarantee
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Interest revenue
The above templates will create the Profit & Loss Statement
Fixed Assets
Vehicles
Furniture & Fixtures
Equipment
Buildings
Land
Goodwill
8. CCRIS Report
The system able to generate reports on a daily, monthly, quarterly, half yearly
and yearly.
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vii. Financial Planning (Investment Planning, Risk Management &
Insurance Planning, Tax/Zakat Planning, Retirement Planning &
Estate Planning)
viii. MyKNP (Household). For this service, the customer’s data will
need to be diverted to the FI Gateway.
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vi. Budget
vii. Cash Flow Management
viii. Banking Facilities
ix. Islamic Banking
x. Internet Banking
xi. Insurance & Takaful
xii. Investment
xiii. Cagamas Module
A Self-Diagnostic Toolkit
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An online financial management tool that consists of
important
features needed by Micro SME e.g. basic
bookkeeping functions, Optical character recognition or
optical character reader (OCR), financial statement, financial
dashboard and advisory report.
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k) FA System to enable the financial advisors to view the online FE
modules that the URUS/FIRST Scheme customer has gone
through.
A Self-Diagnostic Toolkit
An online financial management tool that consists important
features needed by Micro SME e.g. basic
bookkeeping functions, Optical character recognition or
optical character reader (OCR), financial statement; financial
dashboard and advisory report.
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d) FA System to have the function adding or removing modules
according to changes in the Financial Education syllabus.
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3. Salary slips or Income documents
4. Bank statements
Data to be extracted from the net worth and cash flow statements.
The benchmark is to be provided and to be compared against the
derived financial ratios in the FA System as a measurement/indicator
where the system is to perform fast numerical calculations (number
crunching) to describe the individual’s financial condition.
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Marital Status
Types of Existing Loans, Total outstanding amount and
Number of Existing Loans
Household Expenses
All other information pertaining to customer profiling for the
financial health check assessment.
Note :
a) Advisory will take place and at the end of the session, and DMP
proposal plans reflecting both single and step-up payments will be
generated. Customer may choose the preferred DMP proposal plan or
accept the whole session as advisory only.
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b) Upon customer’s acceptance, the financial advisor to confirm the
selected DMP Proposal plan (single or step-up) in line with the
customer’s cashflow. DMP proposal to be generated without human
intervention, followed by Auto-approval flow.
e) Customer who are rejected upfront for URUS will be referred to AKPK
by banks via FI gateway (FI Linkage) to undergo advisory session in
the FA System and a Draft DMP proposal plan will be generated and
offered to these customers. Upon customer’s agreement of the Draft
DMP proposal plan, the financial advisor proceeds to process the
DMP in CBS, which is integrated with the FA System.
f) Customer who do meet the criteria for FIRST scheme will be referred
to AKPK by banks via FI gateway (FI Linkage) to undergo advisory
session in the FA System and a Draft DMP proposal plan will be
generated and offered to these customers. Upon customer’s
agreement of the Draft DMP proposal plan, the financial advisor
proceeds to process the DMP in CBS, which is integrated with the FA
System.
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Financial Resolutions – Business (SDRS)
c) Advisory will take place and at the end of the session, and
SDRS/SMEHD proposal plans reflecting both single and step-up
payments will be generated. Customer may choose the preferred
SDRS/SMEHD proposal plan or accept the whole session as
advisory only.
f) Microenterprises that do not meet the criteria for the FIRST Scheme
will be directed by bank via the FI Linkage to the FA System for an
advisory session and DMP/SDRS.
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h) Those who do not agree to be in DMP/SDRS should be given the
choice to either proceed with FA only or to withdraw.
EPF & Cagamas are able to view the financial interventions that the customer
has undergone and the recommendations given in regards to the Reverse
Mortgage.
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B) Financial Advisory (FA) Portal
The FA portal is a website designed to give new and existing PFP customers
access to financial services and information which are interactive in nature.
To incorporate various applications for users (customers) which are interactive
and related to financial planning such as Financial Resolution (Household),
Financial Resolution (Business), Financial Skills (Financial Education
(Individual & Business), Financial Scoring (Household), Reverse Mortgage &
MyKNP (Household).
a) Customer Dashboard
b) Self service Financial Calculator
c) Self Viewing (Tracking & Monitoring)
d) Customer Feedback
e) Customer Journey
f) Self service Financial Statements Simulation
g) Financial Planning guide (examples: advisory, restructuring ,
strategising, optimising [investment, retirement, debts], building cash-
flow for e.g.: focusing on passive income)
h) Self Viewing of Financial Scoring
i) Under every service selected, the system is to allow the customer to
upload required documents where the Optical character recognition or
optical character reader (OCR) converts the images of typed,
handwritten or printed text into machine-encoded text and this is read
from the scanned document, a photo of a document, a scene-photo or
from subtitle text superimposed on an image.
System functions:
a) To allow access to all services
b) To intergrate with selected AKPK systems (example: Power Portal,
Customer Portal)
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c) To allow Withdrawal from URUS for enrolment into DMP
d) Customer to implement his/her Personalised Financial Plan
1. Integration with AKPK internal systems and from any other upcoming AKPK
systems
a) EKYC
b) CCRIS
c) CBS
d) CERIA
e) Call Centre Facilitation Centre
f) One Stop Portal
g) FI Gateway
h) Virtual Centre of Excellence
i) FE Portal
j) Mobile Apps
k) Live Chat
l) Social Synergy Network
m) SME Self Diagnostic Toolkit
1. Appointment System
b) Customer’s contact points are AKPK’s One Stop Portal, Power Portal,
FA Portal, Customer Portal, Gateway Portal (FI Referral), CRM, Live
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Chat, Call Centre Facilitation System, Virtual Centre of Excellence and
from any other upcoming AKPK systems.
f) Customer will then select to meet the Financial Advisor at the branch or
at the counselling office closest to them.
i) Customer will then select the required service from a selection of:
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ii. Financial Skills Business (Financial Education)
iii. Financial Scoring (Household). To get consent from customer to
obtain his/her CTOS Report and customer to bear the cost.
Appointment system needs to be integrated with the CTOS
system.
iv. Reverse Mortgage
v. Financial Resolution Household (DMP)
vi. Financial Resolution Business - (Small Debt Resolution Scheme
- (SDRS)
vii. Financial Planning (Investment Planning, Risk Management &
Insurance Planning, Tax/Zakat Planning, Retirement Planning &
Estate Planning)
viii. MyKNP (Household). For this service, the customer’s data will
need to be diverted to the FI Gateway.
m) Customers whose point of contact are from other AKPK systems will be
directed to the Appointment System to select required services.
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n) Customer who request to speak to a Financial Advisor instead will be
directed immediately to the Financial Advisor (Dashboard) via the
Financial Advisory (FA) System.
2. Referral from
a) FI linkage for URUS customers who are rejected upfront by the bank.
b) FI linkage for FIRST Scheme customers who are ineligible.
c) EPF for eligible Reverse Mortgage customers which will directed to
AKPK via the FI Gateway system.
EPF & Cagamas are able to view the financial interventions
that the customer has undergone and the recommendations
given in regards to the Reverse Mortgage.
The above referrals are to be referred via the FA System and required
documents to be uploaded via the File Transfer Protocol (FTP) and to be
reflected in the FA System.
F) Flow of information
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1. Incoming information (input) to flow to the FA System from the following
resources:
a) CBS : DMP/SDRS
b) Appointment System
c) FA Portal
d) FI Gateway
e) Social Synergy Network, etc.
The Social Synergy Network is offered to every AKPK new & existing DMP as
well as URUS/FIRST Scheme customers.
Phase 2
AKPK envisions the Financial Advisory (FA) System will be further enhanced
with the implementation of Phase 2, which is to include enhancement of Phase
1. However, Phase 2 is not relevant to the services/activities under
URUS/FIRST.
This phase of the Financial Advisory (FA) System is to include the following:
A) Digital Payment
B) Financial Planning modules
C) Financial Simulation (for Financial Planning) using algorithmic diagnostic
which is to be incorporated into all module comprising of Investment
Planning, Risk Management & Insurance Planning, Tax/Zakat Planning,
Retirement Planning, Estate Planning
D) Financial Planning Fact Sheet
E) MyKNP
F) Integration with External system
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1. CTOS
In this phase the system caters for customers who are receiving Financial
Planning and MyKNP.
A) Financial Advisory (FA) System offers operational functions for users and
admin (back office) to perform daily job operations and this system consist
of:
Digital payment
FA/HOB/Branch Performance
This score card will be reflected in the FA System and accessible by
authorised personnel and available in real time.
investment.
c) Tax/Zakat Planning
mitigate the tax/zakat impact while taking into consideration their cash
liability.
d) Retirement Planning
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are implemented. It takes into account not only assets and income
e) Estate Planning
The financial advisor will help devise and evaluate the customer’s
1. A Financial Fact Sheet will be referred to as a basis for the financial plan.
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The Financial Fact Sheet is a document or spreadsheet that outlines
an individual's financial position at a given point in time including
general information about the individual, such as name and address,
along with a breakdown of total assets and liabilities, etc.
E) MyKNP
For this service, the customer’s data will need to be intergrated with the
FI Gateway.
1. CTOS
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AKPK shall provide the Information Architecture, Concept, relevant design
simulations and financial advisory plan/report and any other enhancement
requirement from Phase 1 that is to be developed in the Phase 2 of the project.
Project Goals
This system requirement is to accommodate the URUS/First Scheme initiatives.
Qualifying Criteria
Loss of employment
total number of facilities ≥ 4
DSR > 40% (subject to living standards/location i.e. Urban/Rural)
FE Assessment (Financial Health Check)
The PFP 1 customers will be directed to the Advisory channel for the Hand
Holding process where the customer will be engaged and monitored by a
financial advisor.
Simultaneosly in the Hand Holding process, the customer will be given the PFP
modules before payment resumes in Month 7.
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Budgeting
Saving
Reduce Loan Commitment
In addition to the above, the customer will also be offered Solution Bases
Service (Social Synergy)
Finally, a Financial Advisory Report will be generated for the customer which
is assessable via the FA Portal.
Qualifying Criteria
At least 50% loss of income (URUS)
At least 25% loss of income (FIRST)
Total number of facilities < 4
DSR < 40% (subject to living standards/location i.e. Urban/Rural)
FE Assessment (Financial Health Check)
These customers will undergo the Generic Credit Report where they will be
granted :
Current Financial Position
General Advisory (Financial Recommendation)
Draft DMP Proposal Plan
The Financial Advisory Report will be generated for the customer and the
customer will be notified via email, SMS and the FA Portal that the FA Report
is assessable via the FA Portal.
Finally, a Financial Advisory Report will be generated for the customer which
is assessable via the FA Portal.
3. The customer will notified on the PFP Review 1 via FA Portal, email and SMS.
4. On accepting the PFP Review 1, the customer will implement the cash flow
management via the FA Portal.
6. If customer fails to accept/respond, two (2) reminders will be sent via FA Portal,
email and SMS.
9. The customer will notified on the PFP Review 1 via FA Portal, email and SMS.
10. On accepting the PFP Review 1 the customer will implement the cash flow
management via the FA Portal.
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12. If customer fails to accept/respond, two (2) reminders will be sent via FA Portal,
email and SMS.
13. Financial advisor is to follow up on customer in the event that customers fail to
respond to the reminders.
14. In Month 7, the customer is expected to be able to meet the loan repayment
amount derived under URUS.
15. In Month 13, a review is to be conducted in the FA portal where the system
will prompt the customer (in the FA Portal) and the financial advisor (in the FA
System) to update on his/her financial position for the latest cash flow and net
worth information.
However, the system is to maintain the existing data that was previously
declared by the customer. All latest information will be channelled in to the FA
System for another round of Financial Scoring which will generate report on
the latest financial position, new recommendations and decisions.
16. One month before the end of URUS/First Scheme that is in Month 23, the FA
System and the FA Portal will alert the financial advisor and the customer
respectively on the outcome of the given Personalised Financial Plan
recommendations.
17. This is done where the customer will respond to a questionnaire in the FA
Portal.
18. The response to the questionnaire will then generate a report in FA System &
FA Portal where the current financial status of the customer will be reflected.
19. This will be depicted in a graph form (type of graph to be decided on) and in a
an interactive environment for the customer.
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20. The customer is able to view the Tracking and Monitoring system in the FA
Portal whereas the financial advisor is able to view the Tracking and Monitoring
system in the FA System.
21. The customer can request a conversion from URUS to DMP/SDRS via the FA
Portal by selecting DMP/SDRS as an option.
22. The system will send a BLD request to the FI Gateway for the latest loan
outstanding balance.
23. Customer to update latest details and upload mandatory documents (latest)
24. All newly acquired details of the customer will be directed to Central
Processing Centre (CPC) for DMP processing.
This RFP document describes the detailed scope and requirements of the
project as outlined in Section 3 and Section 4. All vendors must respond to the
requirements as outlined in this RFP for their proposals to be deemed compliant.
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3. PROJECT MANAGEMENT REQUIREMENTS
2 Implementation References
(Page # of
your
1) Update on progress – This report should provide the following proposal)
details:
Project progress
Immediate update to AKPK on the current status should
any issue arise.
2) Planned timelines
Tasks completed during the week
Issues and concerns
Current period’s accomplishment
Pending action items from previous period
3) Reporting period
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Next steps
Interventions required
4) User Acceptance Test
Conduct tests [hardware (if required), software UAT etc.]
with test plans devised by the vendor and appropriately
carry out the measures to meet the set standards.
5) Usability testing:
Vendor must perform usability testing of the new
Financial Advisory (FA) System design with
representative target users. The goal is to determine if
the new design, navigation, content strategy and layout
appropriately meet primary users needs. While this task
can be done with static design mockups, it is generally
more effective if testing with a subset of functional,
designed HTML pages is conducted. AKPK will assist
the vendor in coordination.
6) Plan, configure and deploy the solution in AKPK Non-
Production (Testing & Development), Production Data
Centre (DC-Hot) and Data Recovery Centre (DRC-Cold).
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3) All software warranty and maintenance cost will commence
from Go-Live date, and not from the purchase date.
7 Timeline References
(Page # of
your
The Phase 1 project is expected to Go-Live within four (4) months. proposal)
Targeting to kick off the project by November 2021 and to
complete by March 2022.
Phase 1:
A. The FA System consists of
1. FA System Dashboard, which will include:
i. FA/HOB/HOD/GM Dashboard
ii. Support staff Dashboard
iii. Admin Dashboard
2. Financial Calculator
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3. Tracking & Monitoring system
4. Digital Feedback
5. Customer Journey
6. FA Helpdesk
7. Financial Statements
8. CCRIS Report
9. Financial Advisor Report
10. FE Modules (Household), which will include:
i. Borrowing Basics
ii. Credit cards
iii. Personal/Financing loans
iv. Hire Purchase
v. Housing Loan/Home FinancingBudget
vi. Cash Flow Management
vii. Banking Facilities
viii. Islamic Banking
ix. Internet Banking
x. Insurance & Takaful
xi. Investment
xii. Cagamas Module
11. FE Modules (Household – URUS/FIRST Scheme)
i. Assessing current situation (Pre survey financial
health check)
ii. Setting goals and cashflow management (setting
goals, cashflow, savings)
iii. Borrowing Basics 1 (understanding Debt to
Income Ratio, Credit record)
iv. Managing Debt (acknowledging, analysing, action,
redress avenues)
v. Wealth Management (investments, scams,
redress avenues, Need of protection Tips and
guide)
vi. Borrowing Basics 2 (Credit Cards, Hire Purchase,
Housing Loan)
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12. FE Modules [Business (microenterprise) – FIRST
Scheme]
i. Financial Landscape 1 (SME Landscape, BWBN)
ii. E-Payments (E-payment systems)
iii. Business Values & Ethics (Role of ethics in
personal business
13. FA Modules (PFP) related to URUS/FIRST Scheme,
which includes:
i. Cash Flow Management
ii. Budget
iii. Savings
iv. Reduce Loan Commitment
14. Financial Resolutions – Household (DMP) & Business
(SDRS)
15. Financial Analysis resulting in a
Financial Scoring Report based on the
i. Ratio Analysis
ii. Cashflow statement
iii. Networth statement
Financial Recommendation
Customer Category/Profiling
Draft DMP Proposal Plan
16. Financial Simulation (PFP-URUS/FIRST Scheme),
which includes:
i. Saving Simulation
ii. Budgeting Simulation
iii. Cash Flow Simulation
17. Reverse Mortgage
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v. Customer Journey
vi. Self service Financial Statement Simulation
vii. Financial Planning guide (examples: advisory,
restructuring, strategising, optimising
[investment, retirement, debts], building cash-flow
for e.g.: focusing on passive income)
viii. Self Viewing of Financial Scoring
ix. Under every service selected, the system is to
allow the customer to upload required documents
where the Optical character recognition or optical
character reader (OCR) converts the images of
typed, handwritten or printed text into machine-
encoded text and this is read from the scanned
document, a photo of a document, a scene-photo
or from subtitle text superimposed on an image.
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Referral), CRM, Live Chat, Call Centre Facilitation
System, Virtual Centre of Excellence and from any
other upcoming AKPK systems)
2. Referral from
i. FI linkage for URUS customers who are
rejected upfront by the bank
ii. FI linkage for FIRST Scheme customers who
are ineligible.
iii. EPF for eligible Reverse Mortgage customers
which will directed to AKPK via the FI gateway
system.
EPF & Cagamas are able to view the
financial interventions that the
customer has undergone and the
recommendations given in regards to
the Reverse Mortgage.
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The Phase 2 project is expected to Go-Live within seventeen (17)
months.
Targeting to kick off the project by March 2022 and to complete by
July 2023.
Phase 2:
A. Digital Payment
B. Financial Planning modules
C. Financial Simulation (for Financial Planning) using
algorithmic diagnostic which is to be incorporated into all
module comprising of Investment Planning, Risk
Management & Insurance Planning, Tax/Zakat Planning,
Retirement Planning, Estate Planning
D. Financial Planning Fact Sheet
E. MyKNP
F. Integration with External system
1. CTOS
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4. SOLUTION REQUIREMENTS
The vendor is required to provide the deliverables to AKPK as per the
Scope of Works (SOWs) as follows:
1 Practical Functions References
(Page # of
The FA System must be easy to use that Financial Advisors can
your
control the portal’s content and functionality without having any proposal)
advanced technical knowledge. Below are the features of the FA
System that AKPK aspires to have, but are not limited to:
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5) Content staging – A built-in staging environment to
preview content before it is published live.
6) Multi-platform capability – Ability to support content on
various devices (tablets, smartphones, wearables, kiosk,
etc.) over multiple social media channels (Facebook,
Whatsapp etc.).
7) RSS Feed - Solution should have feeds to keep users and
subscribers up-to-date on important events, news and
announcements from the website. Users should be able to
subscribe from any RSS reader.
8) Webform – Ability to manage, build, view results any type
of form that is customisable to collect any type of data,
which can be submitted to our application or system and
integrated with our future applications / systems e.g. VCE,
CRM, BI tools, etc.
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5) The integration should include social media channels
(Facebook, Whatsapp,Twitter, LinkedIn, etc.).
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14) Sub-sites should be customisable with different colour
themes, and several pre-defined page templates and layouts
to choose from.
15) It should be possible to send and receive the different types
of content between the main site and any sub-sites.
16) FA System users, both individuals and SMEs, can view their
financial journey in a simple dashboard feature (Financial
Resolution, Financial Skills, Financial Scoring, Financial
Education etc.)
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13) When users are viewing individual content, the site should
highlight similar and related content they may be interested
in.
14) It should be possible to share content from external platforms
such as Facebook, Instagram, Twitter, YouTube, LinkedIn
and online media page in posts and messages.
15) The site should automatically create and update a sitemap
and on-page breadcrumbs when content is added, edited or
removed from the site.
16) It should be possible to share public site content on social
media platforms such as Twitter, Facebook, and LinkedIn.
17) It should be possible to easily link and embed existing internal
site content into written posts and messages.
18) It should be possible to embed feeds from external social
platforms such as Facebook,Twitter, Instagram, etc.
19) Users should have the option to sign up to a newsletter that
is sent to personal email addresses.
20) The site should enable integration to third party / in-house
newsletter services.
21) Groups should allow the sharing of written content, files,
media, and other internal site content.
22) Group owners should be able to nominate other group
members as moderators with similar permission rights as the
group owner.
23) The site should be able to structure content in separate
libraries to make it easy to browse, and find content and
information.
24) The site should be able to display multimedia content such
as images and videos in galleries.
25) It should be possible for users to download content (files or
multimedia) from the respective libraries and galleries.
26) Users should be able to submit content to be featured on the
website in the respective libraries or areas of the portal.
27) Site administrators should be able to review user submitted
content prior to approval and publication on the portal.
28) It should have functionality for site administrators to add new
content in bulk to content libraries. For example, several new
organisations into a directory, or several new journal articles
into a research library.
29) The site should have functionality that enables users to
submit ideas and suggestions to be reviewed by Financial
Advisors.
30) The site should have a learning management system
integrated to host online courses.
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31) The site should allow users to book appointments for financial
advisory services easily via the portal.
32) The site should have a separate history report detailing user
login history, including the user type, the date and time of the
attempted login, the IP address of the user and whether the
login attempt was successful.
33) The site should allow administrator to create live poll / survey
/ form at any section of the portal.
34) The site should allow users to add simple links in the portal
to link to internal or external sites of collaborators and other
relevant stakeholders; an option to do so should be provided
through an automatic hyperlinking option.
9 Accessibility References
(Page # of
1) The portal should comply with World Wide Web Consortium’s
your
(W3C) Web Content Accessibility Guidelines (WCAG) 2.0 proposal)
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(Level AA compliance) and Section 508 of the Rehabilitation
Act of 1973.
2) The vendor should follow best practices, voluntary standards
and guidelines developed by the World Wide Web
Consortium’s (W3C) Web Accessibility Initiative (WAI), and
train our users in creating accessible content.
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Upon implementation, the portal should at least have
development, testing, production and DR environment (on
virtualisation infrastructure to be provided by AKPK) with proper
licensing arrangements.
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8) The password policy should protect against the usage of,
among others:
a. Weak, default and well-known passwords.
b. Keyboard patterns.
c. Dictionary words.
d. User information as password (name, phone number,
etc.).
e. At least 8 characters long that contain lower and
uppercase characters, digits and symbols.
b. Email Services
Capability to integrate with AKPK Email System for the
email notification.
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Disclaimer: This page is for illustration purpose only. In the event of conflict, the RFP detailed write-up shall prevail.
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Disclaimer: This page is for illustration purpose only. In the event of conflict, the RFP detailed write-up shall prevail.
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Disclaimer: This page is for illustration purpose only. In the event of conflict, the RFP detailed write-up shall prevail.
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Disclaimer: This page is for illustration purpose only. In the event of conflict, the RFP detailed write-up shall prevail.
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Disclaimer: This page is for illustration purpose only. In the event of conflict, the RFP detailed write-up shall prevail.
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Disclaimer: This page is for illustration purpose only. In the event of conflict, the RFP detailed write-up shall prevail.
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5. DELIVERY TIMEFRAME
1.1 Review term and present project timeline Within four (4) working
1 1.2 Clarify project scope weeks after project
1.3 Present concept or project details for kick off
feedback
1.4 Gather user and system requirements
Development stage
Within six (6) months
2.1 Priority objective/ scope of work
2 upon user
2.2 Present project progress for feedback
requirements sign off
2.3 Development, Customisation, Integration,
Configuration, Installation
Delivery
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6. RIGHT TO CLARIFY
6.1 AKPK reserves the right to seek further clarification on the vendor(s)
PROPOSAL. Where such clarifications may reasonably result in a
variation of the price, the vendor must submit a fresh quotation under
a separate sealed cover, within such period as specified by AKPK
6.2 Vendor(s) who are required to submit the fresh quotation as per 6.1
after the delivery of the PROPOSAL, are required to state the price
variation and such variations shall remain valid until the expiry of the
validity period
7. CONFIDENTIALITY OF INFORMATION
8.1 The unit price quoted for the proposed implementations must take into
account all relevant taxes, government duties, delivery charges,
installation, commissioning charges at site, etc. All prices supplied
should be itemised as per requirement.
8.2 All prices must be quoted on a fixed price basis in Ringgit Malaysia
(RM).
8.3 Price listed in the proposal shall be the vendor’s prevailing prices
currently in effect, provided that AKPK shall have the benefit of the
lower price, if the market price moves downward.
8.4 The cost should be itemised by module or sub-application, if
applicable.
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8.5 The cost of annual maintenance should also be included separately.
Where initial warranty is provided without charges, it should reflect as
a RM zero (0) cost.
8.6 Training class packages and the intended audiences should be listed
as a part of total project cost.
8.7 Any discount should also be itemised and quoted.
8.8 All costs and expenses incurred by vendor in any way associated with
the development, preparation, and submission of responses, including
but not limited to; the attendance at meetings, discussions,
demonstrations, proof of concept, etc. and providing any additional
information required by AKPK, will be borne entirely and exclusively
by the vendor.
8.9 Cost proposals must remain valid for a minimum of 180 calendar days
from date of submission. Where these prices are contingent upon
certain assumptions, these assumptions should be clearly
documented.
8.10 The costing of the requirement in the Functional and User
Requirement Study must be taken into consideration by the vendors.
8.11 AKPK reserves the right to accept or reject any additional cost from
Functional and User Requirement Study conducted above.
9. RFP SUBMISSION
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9.1.5 Recommended virtual server specifications (e.g. Operating
System, Memory, vCPU, vharddisk size, etc.) for the
development, testing, production and DR environment.
9.1.6 Network and system architecture of the solution
9.1.7 Description of the chronology for completing the work, including
a time line and deadlines for each task.
9.1.8 Minimum three (3) examples of similar projects your company
has implemented with clearly explained design objectives,
approach, rational and the outcome with screenshots.
9.1.9 Relevant Suruhanjaya Syarikat Malaysia’s (SSM) documents
as follows:-
For Enterprise Company
Company Profile
Corporate Information
Form D
Latest Audited Financial Statements 2019 and 2020
Product Brochures (if any)
Letters of Authorisation from Principals and
Distributors (if any); or
For Sendirian Berhad & Berhad Company
Company Profile
Memorandum and Articles of Association
Corporate Information
Form 49
Form 9 (Sendirian Berhad) & Form 8 (Berhad)
Latest Audited Financial Statements 2019 and 2020
Product Brochures (if any)
Letters of Authorisation from Principals and Distributors (if
any)
9.1.10 Completed Person In-Charge Form.
9.1.11 Completed Company Profile Form.
9.2 Provide the following information/documents as Cost Proposal
(Appendix B):-
9.2.1 Provide Official Company Quotation for the Deliverables.
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(Vendor must submit this and refer to item #16 VALIDITY OF
THE QUOTATION for the validity period of the Quotation)
9.2.2 Fill up the Cost Summary (One Time Cost)
9.2.3 Fill up the Cost Summary (Recurring Cost)
9.2.4 Provide breakdown of Cost Proposal.
9.2.5 Provide proposed Payment Terms.
9.2.6 Provide Bank Information
By Softcopy ONLY
10.1 Proposals to this RFP must be sent via e-mail to
[email protected] for both Solution Proposal (Appendix A) and
Cost Proposal (Appendix B).
10.2 The subject to the e-mail should read – “AKPK NEW FINANCIAL
ADVISORY (FA) SYSTEM, RFP# AKPK/RFP21/OCT03
SUBMITTED BY [VENDOR’S NAME HERE]”
10.3 Vendor is required to submit the Solution Proposal and Cost Proposal
in PDF format and encrypted with a password.
10.4 Vendors submitting Proposals shall receive e-mail confirmation
acknowledging receipt of their Proposals.
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12. AKPK’s OFFICER IN-CHARGE
A bidder requiring any clarification on this RFP (technical or procurement matters)
may do so by sending the query to [email protected]. However, AKPK is
under no obligation to respond to any queries.
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14. TENDER BRIEFING
14.1 The briefing on the tender will be conducted as follows:
Date : 8 November 2021
Time : 10.00 am
Venue : Microsoft Team (MS Team)
14.2 Please email to [email protected] to request for the MS Teams
meeting link.
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17. AWARD OF THE CONTRACT
17.1 Before the expiry period of validity of the proposal, AKPK shall notify
the selected vendor in writing by email that its Proposal has been
accepted by AKPK and any intention to award a Contract.
17.2 The selected vendor will be issued with an official Letter of Award
(LOA).
17.3 Prior to such an issuance, price negotiation may be carried out with
the selected vendor.
17.4 The parties to the contract shall have it signed within ten (10) days
from the date of LOA issuance unless there is an administrative
review request.
17.5 The selected vendor shall prepare the Project Agreement or
Maintenance Agreement (where required) within two (2) weeks upon
acceptance of the Letter of Award from AKPK.
17.6 Stamp duty is to be borne by the selected vendor.
17.7 The project shall commence once the Project Agreement or
Maintenance Agreement (where required) is signed by both parties,
AKPK and the selected vendor.
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APPENDIX A
A. SOLUTION PROPOSAL
Full Name
Designation
Contact Number (Off)
Mobile Number (HP)
Email
Signature
Date
Company Stamp
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COMPANY PROFILE FORM
This section covers generic company information that will provide a quick
overview of the vendor/solution provider organisation. Please fill in as much
information as possible, and feel free to add additional information in the form
of attachment.
i. Particulars of Company
No Items Explanation
1. Company Name
3. Business Address
Correspondence Address
4.
(if different from the above business address)
5. Telephone No.
6. Fax No.
Operation hours and support contact numbers
( Helpdesk)
Name:
Contact No.:
Email:
7. Name:
Contact Person(s) for AKPK to communicate
Contact No.:
regarding the proposal Email:
Name:
Contact No.:
Email:
8. Number of years in business operation
9. Latest Audited Financial Statements
10. SSM Certification (e.g. Form 49. Form 9, etc.)
11. Company Nature of Business
12. Company Paid up Capital
13. Company Share Holder Fund
14. Total Staff – Company
Total Staff – For This Project
(Project Manager, Project Management Office,
15.
Business Analyst, Developer, Designer, Trainer,
Engineer, etc.) where applicable.
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ii. Company’s Directors (Please add more where required or you may
attach the CV of directors in the Solution Proposal)
Experiences,
Name of Position in Education /
No. Period
Directors Company Professional
Qualifications
1.
2.
3.
DECLARATION
We declare that:
a. All the information and statements made in Solution Proposal, Cost
Proposal & Company Profile Form and item b below, are true and we
accept that any misrepresentation contained in it may lead to our
disqualification; and
b. We have no outstanding bankruptcy or pending litigation or any legal action
or planned office closures, and/or impending merger that could impair our
operation as a going concern.
Signature
Name
Designation
Mobile Number
Email Address
Date
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APPENDIX B
B. COST PROPOSAL
1. CHECKLIST
No Description Tick Envelope
1. Official Quotation (Must provide detailed Bill of Materials) ( )
7 Load Testing
8 Usability Testing
10 Deployment / Go-Live
13 Warranty
GRAND TOTAL
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3. COST SUMMARY (Recurring Cost)
Cost per Tax Total Cost
No. Description QTY.
unit (RM) (RM) (RM)
GRAND TOTAL
Description
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6. BANK INFORMATION
Manner of Payment
i. Name of Bank :
ii. Address of Bank :
iii. Account number :
iv. Account type : Current / Saving
v. Account scheme : Conventional / Islamic
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APPENDIX C
Whistle-blower Incident Report Form (WIRF)
Instruction: All reports should be made using the WIRF
Name : _____________________________________________________
Email address : _____________________________________________________
Telephone number : _____________________________________________________
Person against whom the report of actual or suspected Improper Conduct is being
made:
Name : _____________________________________________________
Email address : _____________________________________________________
Telephone number : _____________________________________________________
*Use the back of this form or additional sheets of paper to describe the alleged Improper
Conduct. Include specific facts and documentation, if any, as well as the names of any
individual at AKPK with whom you have discussed your concerns.
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