REQUEST FOR PROPOSAL for the Provision of Mobile Payment Aggregation and SMS Notifications Services

Document Control Details RFP Reference RFP-BD0001/2026 Date November 2, 2026 Submission Deadline November 16, 2026 Request BLMCL Procurement Category Digital Financial Services Priority High Background BRAC Liberia Microfinance Company Limited (BLMCL) seeks to contract an aggregator to provide mobile money payment aggregation services covering mobile loan repayments collections and SMS alerts and notifications services. About BRAC Liberia Microfinance Company Limited Licensed by the Central Bank of Liberia in 2008, BRAC Liberia Microfinance Company Limited (BLMCL) is committed to providing responsible financial services to people at the bottom of the economic pyramid. Our primary focus is on women living in poverty, particularly those in rural and hard-to-reach communities. Through access to financial services, we strive to create self-employment opportunities, strengthen financial resilience, and unlock women’s entrepreneurial potential through economic empowerment. BLMCL currently operates 55 branches across all 15 counties of Liberia and serves 129,937 borrowers, 96% of whom are women. The institution offers Microfinance Group Loans, Small Enterprise Loans, and Agricultural Loans tailored to meet the needs of low-income entrepreneurs and smallholder farmers. As of September 30, 2026, BLMCL has cumulatively disbursed LRD 5.05 billion and maintains an outstanding loan portfolio of LRD 6.375 billion. About 42% of clients live below the USD 3.20 per day poverty line, and 58% live in rural areas. All loan disbursements and repayments are currently conducted in cash. We have also implemented Temenos Core Bank System and a Digital Field Application that we use to conduct core field processes such as client onboarding, loan origination, repayment collection, portfolio monitoring among others. Business Need BLMCL requires a dedicated USSD service, accessible through Orange and MTN Liberia, integrated with its Core Banking System (T24). The solution will enable customers to access key loan and account services through their mobile phones. Scope of Work The selected vendor shall provide and implement a dedicated USSD platform and aggregation service integrated with BLMCL’s Core Banking System (T24) through Orange and MTN Liberia. The solution shall enable customers to: Repay loans using registered Orange Money and MTN Mobile Money wallets linked to their accounts in T24. Check loan account balances and receive loan repayment schedules. View mini statements and transaction history. Receive SMS notifications regarding account activities and loan transactions Functional and Technical Minimum Requirements The bidder shall provide a fully operational USSD and Mobile Money solution integrated with BLMCL’s Core Banking System (T24). Area Mandatory Minimum Requirement Licensing, Provisioning & Platform Readiness Obtain and maintain all required approvals from the Liberia Telecommunications Authority (LTA), MTN Liberia, and Orange Liberia. Provision of a dedicated BLMCL USSD code, collection wallets, and a BRAC SMS Sender ID. Demonstrate experience delivering similar solutions. Customer Services & Account Linking Enable customers to link their MTN Mobile Money or Orange Money wallets to their accounts in T24. Customers must be able to repay loans, check balances, view repayment schedules, and access mini statements and transaction history through USSD. CBS/T24 Integration & Funds Settlement Integrate securely with BLMCL’s Core Banking System (T24) to retrieve customer and loan information, support wallet linking, and post loan repayments. All funds must be settled directly into BLMCL-designated accounts or wallets and must not pass through vendor-controlled accounts. SMS Notifications Send automated SMS notifications using the approved BRAC Sender ID, including repayment reminders, due-date alerts, repayment confirmations, loan disbursement notifications, and other approved customer communications. Transaction Monitoring & Reconciliation Provide a portal or equivalent interface for monitoring transactions, managing account-linking approvals, and downloading reports. Generate daily reconciliation and settlement reports and support the resolution of transaction exceptions. Security & Data Protection Ensure secure handling of customer data through appropriate access controls, encryption, audit logs, backups, and recovery procedures. All customer and transaction data remain the property of BLMCL. Testing, Pilot & Operationalization Support end-to-end system integration testing, User Acceptance Testing (UAT), and pilot implementation before go-live. Provide production deployment, support end-user training, and ensure a smooth transition to the business before the pilot go-live. The vendor shall provide post-implementation support and coordinate with MTN Liberia and Orange Liberia to resolve mobile money transaction failures, integration issues, and customer-reported service disruptions throughout implementation and ongoing operations. Expected Deliverables Analysis and requirements: Analyze BLMCL microfinance operations and map payment processes. Prepare a detailed BRD and SRS and obtain BLMCL review and sign-off. Project and solution: Provide a detailed project plan, milestones, dedicated team/resources, and responsibility matrix. Configure the payment and SMS-alert aggregation solution to meet requirements detailed in Section 3: Scope of Work and Section 4: Functional and Technical Minimum Requirements. Testing, training and transition: Complete system integration testing (SIT), pilot and user acceptance testing (UAT) with results agreed and signed off by BLMCL; provide user training and up-to-date manuals; support go-live, post-go-live operations, monitoring, incident management and transition to business-as-usual support. Acceptance evidence: Submit approved requirements, test results, configured workflows, training materials, and post-implementation review. Invitation to Tender BRAC Liberia is inviting tenders from suitably qualified aggregators in Liberia. Proposals should not exceed 15 pages, exclude annexes and support documents, and should include the following: Approach and Methodology: A detailed approach describing how the proposed solution will meet the requirements outlined in the Scope of Work and Expected Deliverables sections. Implementation Plan and Timeline: A detailed implementation plan and timeline, including project phases, key milestones, deliverables, acceptance criteria, dependencies, testing, pilot activities, go-live, and post-implementation support. Technical and functional solution : A description of the proposed solution, including system architecture, integration approach with T24, customer services, security controls, reporting capabilities, and operational support arrangements. Pricing and cost breakdown: An estimated budget/financial proposal in USD with associated payment terms and conditions. Fees charged by MTN, Orange, or LTA must be listed separately as pass-through costs. Vendors must also state any taxes, minimum volumes, tier thresholds, foreign exchange assumptions, contract-term discounts, and price-validity period. Project team, roles and responsibilities : confirmation of the team that will carry out this project. Submit CVs of those who will carry out this project. Proposed roles and responsibility matrix between your team and BRAC Liberia. Company Profile and Legal Compliance : Company file, legal registration, relevant licenses, years of operation in Liberia, tax-compliance evidence, and confirmation of eligibility to provide the proposed services. Relevant experience and references: At least two references from a reputable financial institution in Liberia or comparable organization using USSD, SMS, Mobile Money, or related digital financial services. Security and data protection: Hosting model, data flows, encryption, access controls, audit logging, backup and recovery, incident response, data retention, and exit or data-return arrangements. Evaluation Criteria BRAC will evaluate proposals using the criteria below. Shortlisted vendors may be invited to provide a presentation, product demonstration, clarification, or proof of concept. Criterion Weight Functional fit to the scope of work 35% Technical approach, security, and data protection 15% Total cost over three years 20% Relevant experience and references in Liberia 20% Implementation plan and support model 10% Total 100% Submission and Clarifications Prospective vendors must submit complete technical and financial proposals, together with all supporting documents, by the deadline stated in this RFP. Late or incomplete submissions may be excluded from evaluation. Proposals must be submitted electronically in PDF format to with copies Emails RFP-BD0001/2026 – REQUEST FOR PROPOSAL : Provision of Mobile Payment Aggregation and SMS Notifications Services All questions and requests for clarification must be submitted in writing to the same email addresses. BLMCL may request clarification, invite shortlisted vendors to demonstrations, and negotiate with the preferred vendor before contract award. BLMCL reserves the right to accept or reject any or all proposals and will not be responsible for costs incurred by vendors in preparing or submitting proposals.

[Click the Apply button below to apply, and Create my CV to build a CV tailored to this offer, professionally]