Tổ chức tài chính vi mô từ bỏ hệ thống ngân hàng cốt lõi khi họ nhìn thấy các phần mềm như quá phức tạp và đắt tiền và không nhận ra làm thế nào nó có thể giúp đỡ họ trong ngắn hạn và dài hạn. Nhiều tổ chức tài chính vi mô thiếu nội bộ bộ phận CNTT có khả năng hỗ trợ hệ thống như vậy | 124 Microfinance for Bankers and Investors several current initiatives are addressing these gaps and providing opportunities for interested parties looking to enter this market. MFIs forgo core banking systems when they see the software as too complex and expensive and do not recognize how it can help them in the short and long run. Many MFIs lack internal IT departments capable of supporting such systems. Early microfinance giants including BRAC Grameen Bank and Bank Rakyat Indonesia grew to over a million clients with manual systems often boxes of cards one for each client. For years their only computers were at the regional and national offices. But that was in the 1980s and early 1990s. Today manual systems are uncompetitive except for nonregulated MFIs with only a few thousand clients. As institutions grow they evolve through stages from manual loan tracking to Excel spreadsheets to a customized microfinance application and finally to a core banking system. Three paths for increasing systems efficiency for small financial institutions are becoming clear each suited to a different level of institution. Small MFIs and credit unions can employ open-source solutions. Medium-sized institutions can collaborate to consolidate back-office operations into one format that an IT provider can work with possibly combined with some outsourcing. And larger MFIs can outsource most of their IT functions. All of these options present business opportunities for technology companies as long as providers take into consideration a few characteristics that have previously fragmented the MFI software market. MFIs use different lending methodologies not only from mainstream banking but from each other and can be very resistant to suggested adjustments. They operate with many different languages regulatory requirements and operations. MFIs also vary in institutional form scale and sophistication from NGOs to credit unions to commercial banks. Furthermore since MFIs serve lower-income .
