HOUSE OF CREATIVITY CONSULTING LIMITED

BUSINESS DEVELOPMENT

Numerous new players are entering into the industry with aggressive business approaches and there is technological paradigm shift happening. At this level, not having clear visionary goals and planning to achieve these happenings with available resources, has made it progressively challenging for companies to stay at the top and even on the list of preferred MTOs. This is where we come in. Our team offers cost effective and time efficient outsourced remittance services, to eliminate all time-consuming and extensive procedure, leaving you hassle-free. The reason to associate with House of Creativity for Remittance business development is the variety of services we provide, such as:

• Preparation of Business Plans and Strategies
• Developing Remittance agent network by adding new Pay-in/ Pay-out agents.
• Managing existing network/ Outlets/ Agents operations.
• Developing and managing new and existing branch networks.
• Developing and executing incentive programs for agents/ customers.
• Training & development services for the agents.
• Correspondence/ grievances management & record maintenance.

REMITTANCE BUSINESS OUTSOURCING

On the other hand, outsourcing remittance responsibility is a hassle-free alternative to arduous billing requirements. • Developing Remittance Agent Network by adding new Pay-in / Pay-out agents. • Managing existing network/outlet/Agents operations. • Development and management of new and existing branch network. • Developing and executing incentive programs for agents/ customers. • Training & Development of the agents. • Correspondence/grievances management & record maintenance.

PAYMENT PROCESSING PLATFORM

We have experienced and dedicated technical team on board to support and operate any existing, or to further develop and create an array of softwares suitable and reliable for your company. Our team is dependable, extremely skilled and knowledgeable for the variability of services we provide which includes:

• Proprietary state-of-the art system.
• Native Mobile App development.
• Turnkey Solution development.
• A proprietary, web-based application which facilitates secure, fast and highly reliable medium with a global reach.
• Highly user-friendly software platform with almost zero-error dependability; agent doesn’t require any technical knowledge for operating.

END TO END CARD ISSUANCE CONSULTING SERVICES

Whether your company issues credit card, prepaid cards or you run customer loyalty program, you need correctly adjusted Card Management System (CMS). The only way to reach this target is by having CMS fully optimized for the needs of your company.
House Creativity Consulting is greatly experienced in working with all the preferred CMS platforms in Africa. Our team is great at finding you the right Card Scheme, BIN Sponsor, Program Manager, Acquiring Partner and Card Management Platform.

BANK ACCOUNTS & MERCHANT SERVICE

Whether you’re a start-up or existing money service business (MSB) seeking an MSB license and remittance bank account in a new country, we will expertly help you through the maze of regulatory hurdles to get you up and running as quickly as possible. This service leaves your business and staff hassle-free as our experienced team take the responsibility of obtaining and communicating directly with your merchant provider, by obtaining all sales information which, we then utilize to help manage your business by collecting funds from the registered bank. In addition, we also assist in making payment transactions to the merchant with several accompanying services such as:

• Payment Gateway/Merchant account set-up to enable clients process Debit/ Credit Card transactions.
• Facilitation and support for acquiring bank accounts.
• Corporate bank account formation needs for the new start up

PAYMENT INSTITUTION

We fully understand how much of your precious time it takes to successfully establish a payment institution. Seeking House of Creativity Consulting for assistance will reduce the amount of time spent going through bureaucratic processes. We can help you successfully acquire MSB licenses - both for payment institution and electronic money - in the UK, Europe and Africa. Having the correct licensing in place is crucial, and regulators don’t always make it straightforward!
House of Creativity Consulting will take care of the whole process in order to establish payment institution in compliance with local legislation. We can of course participate on the certification procedure provided by the local central bank. We offer:

• Consulting services in deciding process
• Business model analysis
• Finalization of legal documents necessary to establish Payment institution
• Representation at local authorities during the process of company establishing
• Guidance on certification of your company
• Initial consulting for startup companies by focusing on the PSD2 implementation (Fintech).

RISK-BASED POLICIES, PROCEDURES AND CONTROLS

We can prepare, update and amend Risk-based policies, AML procedures and controls as per Money Laundering Regulations. All supervised firms must establish and maintain policies, controls and procedures to mitigate and manage effectively the risks of money laundering and terrorist financing. The Fifth Money Laundering Directive (5MLD) introduces a number of amendments to 4MLD that are designed to increase the transparency of financial transactions and strengthen the fight against terrorism.

Our services