Overview

This section explains how to configure the general settings for the MAXSMS module. To access these settings, go to Setups > MAXSMS > General in MAXMONEY.

Resources

To perform these setups, the "MaxSMS General Setup" resource must be enabled for your user role. You can enable this by navigating to Setups > Security > Roles > Edit Role.

Number of SMS Credits

This section manages your SMS credit balance and alerts.

• Low Credit Warning Amount: When your available SMS credits fall below this specified value, an email alert will be sent.
• Low Credit Email User: This is the user who will receive the low credit warning email.
• SMS Amount Left to Send: This displays the current number of prepaid SMS credits available. To purchase more credits, please contact Mycomax Fin.
• SMS Limit for the Month: Set the maximum number of SMS credits that can be used within a single calendar month.

Enable SMS Types

The legal entity can choose which SMS types to utilize by ticking the corresponding checkboxes in this setup section.

TechnoMetrix / eSign with OTP

These settings relate to authentication and contract delivery via SMS.

• TechnoMetrix User OTP: Enable this option to authenticate a user when they log into the system.
• TechnoMetrix Enrol Client: Enable this option to register a borrower's cellphone number. This is required if you plan to use the Loan OTP feature.
• eSign Loan OTP: Enable this option if you want to give borrowers the choice to authenticate a loan with a One-Time Password (OTP). This option does not automatically send an OTP; the user can choose to finish the loan without one, offering less control over user behavior.
• TechnoMetrix Loan OTP: Enable this option to authenticate a loan using an SMS OTP. Note that you must use either "eSign Loan OTP" or "TechnoMetrix Loan OTP"; they cannot be used together. When enabled, TechnoMetrix Loan OTP will always attempt to send an OTP if the borrower has a cellphone number. Users with the appropriate rights can override the OTP requirement.
• TechnoMetrix Loan OTP Show From: Select whether the OTP message should display the branch name or the entity name.
• TechnoMetrix Loan OTP Override type: Choose whether authorized users should override an OTP requirement using their "Username & Password" or an "SMS" OTP.
• TechnoMetrix Loan OTP Override Users: Select the specific user(s) who are authorized to approve loans when a Loan OTP is not available.
• TechnoMetrix Loan OTP Amount: Enter the minimum capital amount for which an OTP authentication is required. For example, if set to R0.00, all loans, regardless of amount, will require an OTP.
• TechnoMetrix Loan Send Contract link: Select this checkbox if you want the system to send a link to the borrower for their contract document. Please note that the borrower will need a feature phone capable of opening the link.
• TechnoMetrix Loan OTP allows specific Branches: Select this checkbox if you wish to enable TechnoMetrix only for certain branches within the entity.
• TechnoMetrix Loan OTP allows specific Branches Select: If "TechnoMetrix Loan OTP allows specific Branches" is enabled, select the specific branches that should have Loan OTPs enabled.
• Loan Registration Notification: This option can be used independently of TechnoMetrix. When enabled, an SMS will be sent to the borrower upon successful creation of a new loan, notifying them that their loan application is being processed.

Manual Batches

These settings allow you to enable manual SMS batch functions. Tick the checkbox to enable each function.

• Payment Arrears: Enables the function to send SMS batches to borrowers who are in arrears.
  • Requirement: Active installment in arrears.
• Payment Received: Enables the function to send SMS batches to borrowers who have made a payment.
  • Requirement: A full payment received on an installment, changing its status to "Paid."
• New Loan: Enables the function to send SMS batches to clients who may be eligible for a new loan.
  • Requirements: Client is "Inactive," Client Status is "Good," and "New Loans Allowed" is enabled.
• Repeat Loan: Enables the function to send SMS batches to borrowers who may be eligible for another loan.
  • Requirements: All previous loans are "Paid," Client Status is "Good," and "New Loans Allowed" is enabled.
• Payment Final: Enables the function to send SMS batches to borrowers who have made a final payment on a loan.
  • Requirement: Only one active installment remaining.
• CRM: Enables the function to send SMS batches with general messages to borrowers.
  • CRM on Loan Status: Allows you to send CRM SMSs to borrowers based on specific loan statuses. To access this feature, navigate to Processing > MAXSMS.

Automatic Batches

These settings enable the system to automatically send SMS batches based on predefined conditions. Tick the checkbox to enable each automatic function.

• Automatic Payment Arrears (2 days): Automatically sends SMS batches to borrowers who are 2 days in arrears on their loan installment.
• Automatic Payment Arrears (4 days): Automatically sends SMS batches to borrowers who are 4 days in arrears on their loan installment.
• Automatic Payment Arrears (30 days): Automatically sends SMS batches to borrowers who are 30 days in arrears on their loan installment.
• Automatic Payment Arrears (60 days): Automatically sends SMS batches to borrowers who are 60 days in arrears on their loan installment.
• Automatic Payment Arrears (90 days): Automatically sends SMS batches to borrowers who are 90 days in arrears on their loan installment.
• Automatic New Loan (Send 1st, 10th, 20th): Automatically sends SMS batches to borrowers who may apply for a new loan, on the 1st, 10th, and 20th of the month.
  • Requirements: Clients are "Inactive," Client Status is "Good," and "New Loans Allowed" is enabled. A "Daily MaxSMS Automatic New Loan Send Report" will be sent to the owner; please ensure the owner's email address is entered.
• Automatic Repeat Loan: Automatically sends SMS batches to borrowers who may apply for another loan.
  • Requirements: All previous loans are "Paid Up," Client Status is "Good," and "New Loans Allowed" is enabled. A "Daily MaxSMS Repeat Loan Send Report" will be sent to the owner; please ensure the owner's email address is entered.
• Automatic Birthday: Automatically sends SMS batches to borrowers on their birthday.
• Automatic Payment Reminder: Enables MaxMoney to send payment reminders to borrowers.
  • Payment Reminder (Days Before Instalment): Specify the number of days before an installment is due for the payment reminder SMS to be sent.

MIS SMSs

These settings enable the sending of Management Information System (MIS) SMS reports. Tick the checkbox to enable each function.

• MaxSMS MIS Management Daily (Per Merchant) SMS: Enables daily MIS SMS reports to selected users, per merchant.
• MaxSMS MIS Cash Flow Daily (Per Merchant) SMS: Enables daily Cash Flow SMS reports to selected users, per merchant.
• MaxSMS MIS Daily (Per Branch) SMS: Enables daily MIS SMS reports to selected users, per branch.

Single SMS

• MaxSMS Send SMS to Client: Enable this function to allow a user to send a single SMS directly to a borrower.

Available Buttons

• Save: Click this button to store the configured information.
• Cancel: Click this button to return to the previous screen without saving any changes.