This section details the use of TechnoMetrix for user authentication and loan-related OTPs.

View the infograpic for a visual representation of the TechnoMetrix functionality. 

1.1 User OTP - TechnoMetrix Authentication

Ensure that each user's cell phone number and country are accurately entered in their setup.

• Navigate to Setups > Security > Users > Edit User.

Upon logging into the system, the user will receive a One-Time PIN (OTP) via SMS on their registered cell phone. The user must enter this OTP into the system to complete the login process. Correct OTP entry grants access.

1.2 Loan OTP / TechnoMetrix

The Loan OTP is a critical security measure. The borrower should only provide the OTP if they fully approve and accept the loan terms.

1.2.1 Enrolling the Client's Cell Phone Number

The client's cell phone number must be enrolled once to enable OTP functionalities for loans.

1. Navigate to Client Administration > Search for a Client > Edit Client > Address.

2. Enter the client's cell phone number.

3. Click the Save button.

4. Click the Enrol Client button.

5. The borrower will receive an SMS containing their OTP.

6. The borrower must provide this OTP to the user.

7. The user must Enter the OTP into MAXMONEY and click the Verify button.

Watch this video on YouTube for a visual guide: https://www.youtube.com/watch?v=G6kZFyOTdg0

Important Notes on Cell Phone Number Changes:

• Only users with the necessary security rights can change an enrolled cell phone number.

• To enable a user to change a cell phone number, they must have the "Clear Enrolment" resource assigned to their role.

  • Setups > Security > Roles > Edit Role.

Watch this video on YouTube for guidance on changing enrolled numbers: https://www.youtube.com/watch?v=A1-sHl_e-rE

1.2.2 Loan OTP TechnoMetrix Process

1. Create a loan as usual.

2. On the loan Summary screen, if the loan amount is equal to or exceeds the configured TechnoMetrix Loan OTP amount, a "TechnoMetrix Loan Validation" button will appear.

3. Click the "TechnoMetrix Loan Validation" button to start the authentication process.

4. The borrower will receive an OTP on their cell phone.

5. If the borrower approves and accepts the loan, they must provide the OTP.

6. The user must Enter the OTP into MAXMONEY and click Verify.

7. If the OTP is correct, the "Finish" button will become available in MAXMONEY.

Electronic Signature on Loan Agreement: When the OTP is successfully verified, the loan agreement will be electronically signed, displaying:

Signed at [place] on this [date]

Electronically signed on [date] at [time] by [borrower name] [borrower ID], cell phone no [borrower cell phone number]
     

                 

Manual Signature (if not electronically signed): If a loan is not electronically signed (e.g., if the OTP is not verified or enrolment is not present), the loan agreement will require a manual signature:

Signed at [place] on [date]

_______________ Signed on [date] at [time] by 
[borrower name] [borrower ID]
    

       
   

Manual Signature (with OTP override): If a user overrides the OTP verification (requiring appropriate permissions), the loan agreement will reflect this and require a manual signature:

Signed at [place] on this [date]

Loan administered by [user name] on [date] at [time], authorised by [name]

__________________Signed on [date] at [time] by
[name] [ID]
     

           

     
 

Watch this video on YouTube for more details: https://www.youtube.com/watch?v=WfIgh51j1LM

1.2.3 Allps Mandate e-Signing with OTP

The Allps mandate can be electronically signed under the following conditions:

• "TechnoMetrix Loan OTP" must be set up.

• Document Storage and eSignatures at Amplifin must be activated.

• The Loan OTP must be successfully verified.

• The loan must have been created through the integration.

• The CSP (Communication Service Provider) must be Allps.

• The promissory note must have been created successfully.

• It is not a TT3 with Payer Fee.

If the mandate is successfully signed with the OTP:

• The Payback Instruction Mandate will be saved as a PDF file in MAXMONEY.

• This PDF will be uploaded to the Intecon Allps portal. A "cloud" icon will appear next to the contract on the portal upon successful upload.

• Click the "cloud" icon to view the document name, then click the document name to open the signed mandate. Next to "Signature of the Payer," it will state:

  Electronically signed on [date] at [time] by [borrower name] [borrower ID], cell phone no [borrower cell phone number]
                   
  

1.2.4 Create Payback Instruction - Allps Mandate

To create an electronically signed Allps mandate for a payback instruction:

• "TechnoMetrix Loan OTP" must be set up.

• Document Storage and eSignatures at Amplifin must be activated.

• The borrower’s cell phone number must have been enrolled.

• The loan must have been created successfully and be Active.

• The payment integration (MaxCollect module) must be enabled.

• The CSP must be Intecon Allps.

• The instalment dates must not be in the past.

• The Payback Type must be DebiCheck, EFT, or Social Grant EFT.

Process:

1. Navigate to MAXMONEY > Client Administration > Search for a Client > Loans.

2. Highlight the loan and click the "Create Payback Instruction" button.

3. Click the "TechnoMetrix Loan Validation" button to begin the authentication.

4. The borrower will receive an OTP on their cell phone.

5. If the borrower approves, they must supply the OTP. The user enters the OTP into MAXMONEY and clicks Verify.

6. If the OTP is correct, the "Finish" button will become available.

7. The mandate will show electronic signing details (Date & Time, Borrower’s name, ID, cell phone number).

8. The Payback Instruction Mandate will be saved as a PDF in MAXMONEY and uploaded to the Intecon Allps portal.

1.2.5 Audit Report for Loan OTP TechnoMetrix

To audit loans authenticated with an OTP:

• Navigate to Reporting > Loan TechnoMetrix Loan OTP Audit Report. This report shows which loans were authenticated via OTP and which were not.

1.3 Loan OTP eSign (Alternative e-Signature)

The Loan OTP eSign feature provides an alternative electronic signature method, integrated with the Allps mandate from MAXMONEY v Zeal 13.4 (excluding TT3 with Payer Fee loans).

1. Enrol the client’s cell phone number (as described in 1.2.1) before creating the loan.

2. Create a loan as usual.

3. On the Summary screen, you can either Finish the loan traditionally or select "eSign Loan Validation" to start the authentication.

4. The borrower receives an SMS with their loan OTP.

5. If the borrower approves and accepts the loan, they provide the OTP to the user. The user enters the OTP and clicks Verify. If correct, the loan is electronically signed.