About us

History

ASPEKT was founded in 1992 as a software development company. In 2007 new management came on board and the company has gone through a transformation which led to strategic determination for ASPEKT to focus on developing superb solutions for financial markets.

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Niche Market

Microfinance represents financial niche market where technology vendors see potential to establish sustainable market presence through diversified software solutions but still the available options are incompatible with the needs of this niche industry. The current state of the microfinance market requires specialized software solution which caters for the specific microfinance requirements.

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Origin of know-how

ASPEKT’s team has long years of experience in the financial industry and especially in the banking sector, working on implementations of robust banking systems. Since 2007, ASPEKT is operating in the microfinance industry and has acquired rich experience in the microfinance industry specifics internationally.

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Market Research

The experience of the management team of ASPEKT in the financial industry is what leaded the company into researching this complex market and finding a niche segment that experienced lack of suitable technological solution to resolve operational issues.

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Product Innovation

ASPEKT dedicated its efforts to development of a solution that will enable microfinance institutions to better organize gathered data, use it properly to speed up the decision-making process, improve corporate efficiency and unify external reporting. Namely, ASPEKT embarked on developing a product that will close all the gaps that the competitive products currently present on the market could not manage to achieve.

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Product Differentiation

The platform on which the solution is implemented represents a complex Process Management System with ability to dynamically adapt the process flow from user side and with flexible data collection approach for control over gathered data content, enabling easier adaptation to MFI’s requirements and supporting faster institutional growth.

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Future Plans

ASPEKT will continue investing in further enhance of the model for on-field accessibility of loan application process and full client appraisal, by providing more comprehensive mobile platform and appraisal interface, removing entirely the paper based process and making it more affordable and effective for Loan Officers to collect data in rural areas.

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Aspekt Product Suite Story

Looking for a manner to express our key solution capabilities into visual identity, ASPEKT has redesigned the meaning of the smart cube into a cube that flexibly transforms its CORE parts into fusion of opportunities, robustly bound by three compound color shades, representing the most important features of Aspekt Product Suite – Flexibility, Scalability and Integration.

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What
clients say
  • "It's an outstanding system. Having a full overview and control over the branch operations in due time is a huge advantage when corrective actions should take place. Before ASPEKT, it was difficult and lot of effort was invested, to analyze the performance and make conclusions that will lead to improving business processes." - Credit Director
  • "Before ASPEKT, I had to remember all loan conditions, criteria and other rules and I was continuously under pressure not to make any errors. I felt a huge relief when ASPEKT system was introduced, everything is now predefined: amount limitations, interest rates, provisions, etc., even the loan contract templates are automatically generated so no additional double-checking is needed." - Loan Officer
  • "With Aspekt Microfinance Software, we have complete control over the corporate portfolio. Our active portfolio is monitored accurately and we are able to make future assumptions based on historic data, making precise risk assessment." - Risk Manager
  • "Aspekt Microfinance Software helped me better manage my time. When I start in the morning, I can make a quick review for: status of open loan applications, loan disbursements, clients with payments due for the day, new loan in arrears, portfolio outstanding, etc. Everything can be found from one location, so I can efficiently prioritize daily tasks and coordinate other activities with my colleagues." - Loan Officer
  • "Administering one system, from one central location saved time, improved the control and security mechanisms of our IT Department. I’m more than glad to recommend this highly flexible solution to other companies." - System Administrator
  • "With the integrated functionalities and controlling procedures in Aspekt Microfinance Software, we could easily locate a breach of procedures and prevent frauds. The solution is adjusted to detect errors and inappropriate transactions." - Risk Manager
  • "Before ASPEKT, I couldn't monitor neither review my performance. I waited for my Branch Manager to receive reports from head office, to find out about exact number and amount of outstanding loans, PAR and delinquency, drop-outs etc. Now with Aspekt Microfinance Software, I can even predict my performance in near future." - Loan Officer
  • "Before ASPEKT, the field audit in a single branch could last for 4-5 days. Now, with ASPEKT I can do most of the preparation work in my office and be more efficient on the field." - Internal Audit
  • "I can't imagine that all client's information and records are at one place. Before ASPEKT it was extremely difficult to check the credit history of returned clients, and we could make mistakes and approve loans even to rejected clients. With ASPEKT we can also review the repayment history of clients coming from other branches." - Loan Officer
  • "Before ASPEKT, we didn't have reliable information to assess performance. We were overburden with forms and excel spreadsheets and no information on how other branches perform." - Branch Manager
  • "With Aspekt Microfinance Software we can efficiently and accurately control all cash transactions. Borrower's cash receipts are printed from the system only when payment transactions are entered by Loan Officers. This prevents from handing over the cash outside of branches." - Internal Audit
  • "I'm happy now that Loan Officers I'm supervising can spend much more time on a field with clients. Before ASPEKT, the manual administrative work occupied so much of their time so that they were unable to recruit new borrowers and reach the projected growth." - Branch Manager
  • "Once ASPEKT was introduced, our efficiency increased, allowing our MFI to grow by 50% with current human resources. Aspekt Microfinance Software contributes on replacing the manual and routine tasks, so that staff can spent more time on innovations and development." - CEO
  • "ASPEKT is not just a simple loan tracking software. I used to travel in every branch once per month to monitor and appraise each branch performance. Now, I can monitor the progress and identify weaknesses from distance." - Credit Director
  • "With this vendor, we didn’t receive just a system sophisticated to be administered independently from the vendor, we also got entire team that supports us in any situation and is more than happy to help us continuously improve our operations." - System Administrator
  • "Aspekt Microfinance Software as one integrated solution offers full coverage of MFI's business process. It's an excellent management tool that improves decision-making processes. The flexibility and adoptability perfectly match the dynamic environment in which our MFI operates." - CEO
  • "With the centralization of the data we got smart system that streamlines all financial activities we perform on a daily basis. Payment transactions are automatically posted in general ledger and our department is able to perform complex financial analysis, using customized financial reports." - Accounting Officer
  • "Aspekt Microfinance Software is very flexible and managed to fully incorporate our internal risk management policies and procedures. I can generate customized reports on clients and loan portfolio and closely monitor and analyze the credit risk before and after disbursements. The information from the system is the baseline for any improvements on risk policies and procedures I have recommended." - Risk Manager