Edward Cable

Meet our 2025 Summer Interns

/in , , /by

Join us in officially welcoming our class of interns for 2025.  We have the honor of working with 23 interns across Google Summer of Code, Code for GovTech, and Mifos Summer of Code. This year Google of Summer of Code is celebrating its 21st year and marks our 13th year of participation overall and 10th year directly as the Mifos Initiative with thirteen interns chosen. We selected six interns through C4GT as a participant for the second time in the Code for GovTech Dedicated Mentoring Program which is now entering its third year being led by Samagra Governance. This was our most selective year to date and due to the immensely high quality of candidates that applied, we offered up an additional four internship positions through Mifos Summer of Code to candidates we couldn’t accept through the other programs. We have a range of countries represented with India well represented, but also two interns from Egypt, an intern from Cameroon as well as Uganda, an intern from Myanmar, and interns from Afghanistan and Bangladesh. 

Across all the programs the evaluation and selection process was very intensive; for the Google Summer of Code program as a whole, 1,272 contributors were accepted from the 23,559 applications received, their highest total in 21 years, more than 2.5x the previous record. For Mifos alone we received 209 proposals from which we were granted 13 slots yielding an acceptance rate of only 6%. Similarly, for Code for GovTech their program had 8700 proposals from 4200 applicants from which we selected 6 interns from a pool of 197 applicants. 

A massive thank you to David Higgins for helping organize all our intern procedures this year and all of our mentors for helping to evaluate, guide and onboard our interns. We are gracious to Google and Samagra Governance for the opportunity to work with so many talented and motivated individuals as they help us fight poverty with financial inclusion, build the next generation of open source contributors for our project, and help usher them along their personal and professional journeys.

Google Summer of Code

For Google Summer of Code, we selected interns to work across a mix of projects that will deliver both high-value and bleeding edge capabilities to the community. 

On the mobile front, we have three GSOC interns working across the technical and functional spectrum of our mobile apps – Saksham Gupta working on building out a consistent and reusable UI/UX Component Library in Compose for Kotlin Multiplatform, Sk Nyanji Ali continuing to refine the Kotlin Multiplatform Project template to ease the developer experience across all our mobile apps and Hekmatullah Amin enhancing the MifosPay Mobile Wallet app user experience and transactional workflows. 

On the front-end, we have two projects helping to stabilize and optimize our production web user interface for staff and also working on a next-generation modular UI for fintech applications. Gopi Kishan will be enhancing the Mifos X Web App by upgrading to the latest stable versions and refining some of the key portions of the application and Craig Rosario via a micro-frontend approach will be building a modular React-based UI with ShadCN components for fintechs and digital-first institutions. 8700 proposal 4200 applicants

We are continuing to explore the boundaries of AI for financial inclusion with two projects through GSOC with Aru Sharma refining and extending our Generative AI Chatbot for Community Support to support more incoming data as well as bi-directional actions being taken by the chatbot. Keshav Arora is going to build upon the agentic AI operations that Victor has been enabling through the MCP Server for Mifos X. 

Our newest product, Mifos Gazelle, will be getting a lot of attention with two GSOC interns focusing on adding support for ARM-based architectures like Mac devices and Raspberry Pis being led by Devarsh Shah in addition to Yash Sharma working on a Demo Profile Creator to enable the configuration of end to end use cases for demonstrations and storyboarding as part of Mifos Gazelle.

In securing our core DPGs and building around the edge of the core banking architecture, we have 4 GSOC interns. Norbline Azah is building out an AI-driven testing framework for Payment Hub EE to increase its resilience, scalability, and security. We then have three projects that will enhance the capabilities of Mifos X as a robust loan management system by helping the origination and decisioning processes – Yu Waty Nyi will be working on the next version of our credit bureau integration module, Hossam Hatem will be building a module to integrate with a best-in-breed open source workflow engine to enable the easy configuration of complex processes and workflows for loan origination and client onboarding while Abhinav Cilanki will be bring together our growing pool of different credit assessment tools into a reactive event-driven credit risk assessment tool.

Code for GovTech

For Code for GovTech, we have a diverse array of projects all related to our emerging digital public goods to fuel digital public infrastructure that advances the adoption of instant inclusive payment systems and enables effective last-mile G2P distribution. 

Our Mentor team lineup includes Tom Daly, David Higgins, Akshat Sharma, Parth Kausal, Rajan Maurya and Abhinav Kumar (who was a former C4GT Interm).

On the Mifos X – Mobile Applications front, we have two projects: enhancements to our mobile wallet, Mifos Pay,  which Biplab Dutta will be working on; and enhancements to Mifos Mobile which Nagarjuna Banda will be working on.  Mentorship will be provided by Rajan Maurya.

On Mifos X – AI projects, we have Shubham Pal looking at Accessibility and Language Improvements to increase inclusion in Applications. We also have Vickey Kumar looking at Voice-Driven Banking via Large Acoustic Models (LAMs).  Mentorship will be provided by Akshat Sharma and Parth Kausal.

On Mifos Gazelle – We have two exciting project looking to expand the breadth and useability.  Rishav Jain will be working on integration of OpenCRVS, a DPG focused on Civil Registration. Pranav Deshmukh will be looking at a runtime GUI for Mifos Gazelle demos that supports narration and guides the users through using the UI of the core products. Mentorship of these projects is provided by Tom Daly, Abhinav Kumar and David Higgins.

Thank you once again to Samagra Governance for its leadership of the C4GT program. Thank you to all the mentors for all their guidance so far and continuing to lead our interns throughout the summer.

Mifos Summer of Code

This year we are bringing on four interns through our second Mifos Summer of Code program with a similar mix of project focuses. We have two additional interns, Pronay Sarker and Jilakara Rivanth Kumar,  that will both be working on the migration of the Mifos X Field Officer App to Kotlin Multiplatform. On both the AI as well as loan decisioning front, Priyanshu Tiwari will be refining our bank statement analysis module and rounding out our Mifos Gazelle projects, Joshua Nsereko is focusing his efforts on reducing the resource consumption of Mifos Gazelle so it can be deployed in even lower resource environments.

Please join us at two upcoming Town Hall Meetings where will be formally introducing all our interns. We will have one on  Friday June 27 at 1530 GMT via Zoom to introduce our AI, Gazelle and Platform Integration interns and a second Town Hall on Friday July 4 at 1530 GMT via Zoom to introduce our mobile and web app interns where we will formally introduce all our interns.

Mifos Summer Intern Intro Town Hall - AI, Gazelle, and Platform

Friday, June 27 at 1530GMT via Zoom

 

Mifos Summer Intern Intro Town Hall - Mobile & Web

Friday, July 4 at 1530GMT via Zoom

Mifos Mobile Apps 

Saksham Gupta

  • UI/UX Component Library in Compose
  • Mentors:  Anjali Shah, 
 Sk Nyaji Ali

  • Kotlin Multiplatform Project Template
  • Mentors: Rajan Maurya
 Hekmatullah Amin

  • Enhancing Mifos Mobile Wallet App (UX & Transactions)
  • Mentors: Rajan Maurya, 
  

 

Web & Front-End

Gopi Kishan

  • Enhancements to Mifos X Web App
  • Mentors: Felix Van Hove

Craig Rosario

  • Modular UI Based on ShadCN Components
  • Mentors: Aleks Vidakovic

 

 

  

AI & Machine Learning

Aru Sharma 

  • Generative AI Chatbot for Community Support 
  • Mentors: David Higgins

Keshav Arora

    • MCP Server for Mifos X Agentic AI Operations
    • Mentors: Victor Romero, Lalit Mohan, David Higgins

 

Mifos Gazelle 

Devarsh Shah

  • Mifos Gazelle Support for ARM-based Architectures 
  • Mentors: Tom Daly

Yash Sharma

  • Mifos Gazelle Demo Profile/Creator 
  • Mentors: Abhinav Kumar, David Higgins
    

Mifos X Platform, Security & DevOps 

Hossam Hatem

  • Workflow Engine Integration Module 
  • Mentors: Yash Sancheti, Ed Cable, Nayan Ambali
 Abhinav Cilanki

  • Reactive Loan Risk Assessment Engine
  • Mentors: Victor Romero, Aleks Vidakovic
 Yu Waty Nyi

  • Credit Bureau Integration Module  
  • Mentors: Victor Romero, Nayan Ambali
 Norbline Azah

  • AI-Driven Testing Framework for Security 
  • Mentors: Kerlyn Manyi, Oreoluwa Oluwasinak
  
 

Code for GovTech Interns 

Biplab Dutta 

  • Enhancements to Mifos Pay Mobile Wallet
  • Mentors: Rajan Maurya

Pranav Deshmukh

  • Mifos Gazelle Runtime Graphical User Interface
  • Mentors: Tom Daly, Abhinav Kumar and David Higgins

Rishav Jain

  • Mifos Gazelle integration with OpenCRVS
  • Mentors: Tom Daly, Abhinav Kumar and David Higgins
  
Shubham Pal

  • Accessibility and Language Improvements to increase inclusion in Applications
  • Mentors: Parth Kaushal & Akshat Sharma

Vickey Kumar

  • Voice-Driven Banking via Large Acoustic Models (LAMs)
  • Mentors: Akshat Sharma & Parth Kaushal

Nagarjuna Bunda

  • Enhancements to Mifos Mobile
  • Mentors: Rajan Maurya

 

Mifos Summer of Code Interns

Joshua Nsereko

  • Mifos Gazelle Performance Enhancements
  • Mentors: Tom Daly, Abhinav Kumar

Priyanshu Tiwari

  • Bank Statement Analysis Module 2.0
  • Mentors: Akshat Sharma

Pronay Sarker 

  • Migrate Mifos X Field Officer app to Kotlin Multiplatform
  • Mentors: Rajan Maurya

Jilakara Rivanth Kumar

  • Mifos X Field Officer app to Kotlin Multiplatform
  • Mentors: Rajan Maurya

Read more

Edward Cable

Star Contributor of the Month – Felix Van Hove

/in , , /by

We are pleased to recognize Felix Van Hove as the Mifos Star Contributor in this June 2025 edition of Star Contributor of the Month. Felix has been one of our most impactful volunteers to date as as in the short timespan that he’s been a part of the community since February he’s helped to reinvigorate development around the web app. Along with Pushpendra and others, he’s been able to mobilize our mentors and contributors around a cohesive development process and roadmap for the web app. The discipline, rigor, structure, and ongoing momentum that Felix has brought came at a critical time, helping us smoothly attract and onboard a solid cohort of front-end development interns that are now contributing and being mentored by Felix and the community through Google Summer of Code, Code for GovTech, and Mifos Summer of Code. He has also solidified the bonds across the community by getting a regularly scheduled meeting going and having all the developers get to personally know each other. Join us in recognizing Felix for his contributions thus far as his attention to detail and the passion and fervor he’s brought to the project has been unmatched. We’re looking forward to getting the web app upgraded to the latest stable verison of Angular and everything else we have in store as part of the evolving roadmap.

Read more
Edward Cable

Mifos attends Inaugural Caribbean DPI Summit in Jamaica

/in , /by

A look back and reflection on the Caribbean Digital Public Infrastructure Summit at Mona School of Business and Management, Kingston, Jamaica.  8-10 April 2025.

Mifos was delighted to be invited to participate in the Digital Public Infrastructure (DPI) summit in Kingston, Jamaica earlier this month.  Our sincere appreciation goes out to the organizers of the summit, Matthew McNaughton & Aura Cifuentes of Co-Develop, for giving Victor Romero and Ed Cable the chance to attend including Ed Cable participation on the panel, Scaling Open-Source Solutions for Public Service Delivery,  and Victor Romero during a workshop on Social Protection.

This inaugural Caribbean DPI Summit held at The University of the West Indies, Mona captured the essence of the first global DPI summit in Cairo but distilled it down into an immersive and intensive intimate experience where we could see firsthand the growing momentum there is across the region yet appreciate the unique challenges and constraints that come with building DPI for small-island nations. It helped to raise both the challenges and opportunities that present themselves at each stage of the implementation life cycle of DPI – Conception and Scoping, Strategy and Design, Development, Deployment, and ongoing Operations and Maintenance.

This event brought together innovators, policymakers, academics, NGOs and advocates to explore how the Caribbean region could harness the power of digital commons to foster economic resilience and social well-being.

In this article Ed Cable and Victor Romero look back over the event and the insights they gained from their perspectives from their relative roles in the Mifos DPI Ecosystem.

Read more

FINABIEN wins Future of Government Award for Open Source Re-Use

/in , , /by

FINABIEN wins Future of Government Award for Open Source Re-Use of Mifos X for Créditos para El Bienestar

FINABIEN was recently selected as the winner of the prestigious 2025 Future of Government Award for Open Source Reuse of Mifos X for its Créditos para el Bienestar program providing fully digitized loans to the most vulnerable MSMEs throughout all of Mexico.

We’re honored it received this distinction amidst other powerful solutions that were shortlisted as highly commended for the award including the VENEEM Burkina Faso project for its use of OpenCRVS, deployment and integration of Mojaloop for inclusive payment system across Africa led by ThitsaWorks Pte Ltd and the SpeedyMesh solution built on top of the Digital One Health Platform 

Mifos had the pleasure of nominating the pioneering team at FINABIEN which powered it’s innovative last-mile lending program on top of Mifos X with the support of Infotec and local Mifos Partner Fintecheando. Thank you to Public Digital, AWS, and UNDP and the selection committee for this well-deserved recognition that showcases how core banking and loan management can be a powerful DPI uniting the public and private sector to disseminate support to individuals and MSMEs. 

Since integrating Mifos X, Mexico’s Créditos para el Bienestar (‘Credits for wellbeing’) program has been able to make a fully digitised, self-service lending process available to the poorest, unbanked people in Mexico. 

The biggest blockers to the Mexican government administering aid to vulnerable groups through loans has been the lack of systems and distribution channels available. However, the reuse and adaptation of Mifos X has provided a robust system that has increased visibility and reduced corruption.

Its easy integration and customisation has ensured quick delivery in line with Mexico’s policies for security, accountability and traceability.

Open source reuse is when a creation that was designed, built, written and then shared by one team, is reconfigured or adapted by another team so it can be used in a different context. We want to celebrate those in the public sector who are building on shared knowledge because working in this way leads to less duplication of time, effort and money, and allows quicker delivery and impact.

Definition of Open Source Re-Use Category

Benefits of Open Source Reuse

By re-using and adapting a proven open source core banking solution like Mifos X, FINABIEN was able to achieve the following benefits including scalability to support millions of loans, lower costs, reduced corruption ensuring aid to recipients, improved speed & quality of service to beneficiaries, agile aid in times of disaster, and a re-usable lending platform for other agencies. 

  • Fully Digitized Lending Process – FINABIEN was able to focus on building a digitized self-service lending process on top of Mifos X with a paperless online application with loans disbursed onto the FINABIEN card or at one of the 1700+ branches all fully connected with a an electronic loan folder.
  • Scale & Rapid Deployment: Given Mifos X is battle-tested by governments, banks & fintechs worldwide, the government could rapidly implement its feature set, deploy at scale & maintain the system in production 24×7 for 1.8 million existing active loans & 135,822 new loans. 
  • Reduced Cost  – Mifos’ virtuous cycle of upstream development across its global community enabled the government to deliver the solution quickly for the needs of the people and aligned with policies for security, accountability & traceability. Thousands of development hours saved & reduced licensing cost enabled investment for tech and knowledge for societal benefits including educational programs for careers for OSS software developers.
  • Sovereignty of the Solution – Re-using OSS also enabled sovereignty of the solution as it’s hosted within the Mexican federal government’s own data center. 

Loan Management & Core Banking as DPI 

Mexico is unique in that the government can directly administer aid via loans to vulnerable populations without commercial banks as intermediaries. Key barriers prohibiting governments from doing this have typically been a lack of systems & distribution channels and corruption. Re-using OSS addressed these by providing a robust system connecting the 1700+ branches, reducing corruption via the electronic loan account folder viewable across branches enabling this fully digitized self-service lending process with disbursement on the Finabien card and accessible via the FINABIEN app. 

The ability to power multiple lending use cases for a variety of different departments and ministries has been evident in a number of different ways as lending has expanded beyond just the Tandas para el Bienestar program.  The government has a robust loan management system to rapidly administer aid like Esperanza loans for Hurricane Otis & via innovative programs like its recent loan product offering for EV cars to speed up adoption of Electric Vehicles (EVs) for micromobility produced in Mexico.

If you are a country that would like to build out DPI to enable inclusive lending on top of Mifos DPGs, please email DPI@mifos.org

Video of the Virtual Awards Ceremony

FINABIEN in the News

https://youtu.be/vguAyMCkt_s?si=3Rnhq5o8pTzE3sNx&t=482 https://www.youtube.com/watch?v=ymlwLMxI-Wc
Edward Cable

Revolutionising T&T’s Credit Unions with Cutting-Edge FinTech Solutions

/in , /by

Mifos is pleased to announce the signing of our Memorandum of Understanding (MoU) with Trinidad and Tobago International Financial Centre (TTIFC) to work together in delivering a transfomative Core Account Management Platform (CAMP) to the Cooperative Credit Union League of Trinidad and Tobago (CCULTT) to boost the efficiency and effectiveness of credit unions, which collectively serve over 700,000 members in Trinidad and Tobago

Port of Spain, January 22, 2025: The Cooperative Credit Union League of Trinidad and Tobago (CCULTT) kicked off 2025 with an ambitious initiative poised to reshape the business landscape and enhance the membership experience for credit unions across the country. During the opening ceremony of its 2025 Calendar of Events, CCULTT announced a strategic partnership with the Trinidad and Tobago International Financial Centre (TTIFC). This collaboration aims to integrate advanced digital core banking and payment systems through the TTIFC’s relationship with The Mifos Initiative.

This transformative programme will introduce a Core Account Management Platform (CAMP) designed to boost the efficiency and effectiveness of credit unions, which collectively serve over 700,000 members in Trinidad and Tobago. As the credit union sector grapples with rising competition, economic shifts, an ageing membership, and evolving member needs, there is a pressing necessity to modernise service delivery and expand accessibility. This move sets out to overhaul antiquated payment and account management systems, providing members with seamless digital payment capabilities accessible from anywhere.

Joseph Remy, President of CCULTT, expressed enthusiasm for the partnership: “We are delighted to strengthen our collaboration with the TTIFC and to tap into the wealth of expertise they have made available to the credit union movement through their partnership with The Mifos Initiative. Our members expect us to take the necessary steps to modernise credit union operations and member experience. This relationship and future projects will enable credit unions to offer a higher level of service while contributing to our sustainability.”

Two pivotal strategic partnerships underpin this transformation in the credit union sector. The first is TTIFC’s collaboration with The Mifos Initiative, a global leader in open-source technology and financial inclusion. In December 2024, TTIFC entered a Memorandum of Understanding (MoU) with Mifos, known for its extensive experience and successful track record in advancing financial inclusion worldwide, with a client base of over 65 million.

This partnership seeks to foster seamless interactions and boost economic engagement by integrating local financial systems into a unified ecosystem. Additionally, the incorporation of Mifos’ MACH architecture (Microservices, API-first, Cloud-native, and Headless), the partnership aims to provide a scalable and standardised core banking platform, improving compatibility, reducing costs, and enhancing interoperability across financial institutions.

Edward Cable, President and CEO of The Mifos Initiative, hailed the collaboration, stating, “Our shared commitment to democratising financial services will unlock opportunities for millions, fostering financial resilience and sustainable growth. This partnership enables us to enhance the financial technology infrastructure in Caribbean nations like Trinidad and Tobago, driving significant advancements within their communities. We are honored to work with The League to help advance the financial health of all its members.”

Through the application of Mifos’ open-source infrastructure, TTIFC anticipates enhancing access to financial solutions while attracting foreign investment for widespread deployment. This cooperation will also encourage engagement with regional financial institutions, technology providers, and community stakeholders to ensure solutions align with international standards for interoperability and accessibility. Mifos plans to leverage its expertise to uphold best practices in core banking and digital payments, while promoting the integration of digital public goods to increase societal impact.

CCULTT and TTIFC formalised their commitment by signing an MoU during the January opening ceremony at the Radisson Hotel. TTIFC will offer technical support and advisory services to CCULTT as it works towards establishing a unified FinTech core for its member credit unions. In addition to providing training for credit union staff and capacity-building programmes on using the CAMP and other pertinent technologies, this initiative promises to drive a significant shift in the delivery of financial services, ensuring a more inclusive and accessible future for Trinidad and Tobago’s credit unions.

In a statement at the opening ceremony, TTIFC’s CEO, John Outridge said: “We at the TTIFC are very proud to have realised these partnerships, as we believe they have the potential to profoundly impact the credit union movement, which has served as a symbol of financial access since the 1940s. It is crucial that we support this sector in maintaining its legacy, especially as we aim to create more options for providing quality and affordable financial services to the 25% of the population in Trinidad and Tobago that is currently financially excluded. This statistic needs to change, and I believe that this initiative to enhance the adoption of FinTech within the credit union system will be very effective.” 

#END#

About The Mifos Initiative

The Mifos Initiative is a global 501(c)3 fintech non-profit leveraging the cloud, mobile & open source community to democratize financial services worldwide and digitally transform the world’s 3 billion poor and underbanked. Its mission is to scale the development and impact of inclusive fintech through an open source community and ecosystem that builds and maintains its digital public goods for core banking and payment orchestration. Mifos has pioneered open source core banking technology for the past fifteen years, transforming the entire sector at each major stage of evolution from microfinance to financial inclusion to digital financial services, and now embedded finance. More than 65 million clients are reached by 500+ financial institutions across 70 countries using solutions powered by its APIs.

About the Trinidad and Tobago International Financial Centre (TTIFC)

The TTIFC is at the forefront of financial services innovation in Trinidad and Tobago. We are committed to connecting our stakeholders and fellow citizens to a wider range of payment options and financial services. We work with the government, industry partners, associations, and underserved communities to promote digital financial services and literacy to establish a thriving financial landscape in which everyone can benefit from the power of FinTech and formal financial services. 

Edward Cable

Mifos and INFOTEC Renew Joint Scientific and Technological Cooperation Agreement

/in , /by

Mifos is pleased to announce the renewal of the ongoing collaboration we’ve had with INFOTEC since the start of January 2021. Collectively with INFOTEC and the support of our local Mifos partner, Fintecheando, we have been able to make significant progress in the development and adoption of digital public infrastructure to deliver financial inclusion at scale to the underbanked across Mexico.

For INFOTEC and Mifos, the development of innovative solutions that accelerate and enable the financial inclusion of the most vulnerable people constitute fundamental elements of their mission and vision that coincide in the application of public policies aligned with the benefit of Mexican society as a whole. 

The collaboration between both Institutions has allowed the Digital Transformation of Development Banking Institutions in Mexico through the training of Mexican talent in the development and adaptation of open source financial software that allows it to adapt to the reality of Public Institutions and the Beneficiaries of social programs.

The understanding and application of open source software technology in Financial Inclusion, entrepreneurship, research and resolution of national problems have been fundamental pillars in the transfer of knowledge through the scientific and technological cooperation agreement between INFOTEC and Mifos. 

Recently, The Mifos logo has been unveiled on the Infotec Collaborators Wall of the Infotec Headquarters in Mexico City, in which it visually recognizes the Institutions that have allowed us to achieve the established objectives that have been resolved with high ethical values ​​and through the application of specialized knowledge by national and foreign professionals.

Mifos logo on Infotec wall of partners

With great expectations for the future, INFOTEC remains committed to promoting the development of information technologies in Mexico. Through the adoption of emerging technologies, it seeks to position the country as a leader in innovation, while continuing to promote financial inclusion and economic and social mobility of the Mexican population through the collaboration agreement with Mifos, which has been recognized as a strategic collaborator to continue complying with the orders of the Mexican Federal Government. 

Edward Cable

2024 Summer Intern Wrap-Up

/in , /by

This year we had one of our busiest summer intern programs to date with eleven Google Summer of Code interns and six Code for GovTech interns. A gigantic thank you to all our mentors and sincere congratulations to all our interns for the contributions you made this summer. We look forward to a long fruitful continued journey as mentors, maintainers, and commiters across our Mifos and Fineract communities!

Our full post and reflection post will be live soon but in the meantime watch the recordings of all our final showcases on YouTube.

We’ve also separated out other smaller playlists too:

Edward Cable

Pepper Soup Enhancements

/in , , /by

Over the past couple of years, the Mifos Initiative in coordination with the BaaSFlow team and other independent developers from the community has been leading the Pepper Soup project, building out significant new functional and enhancements to the upstream Fineract and Mifos X code bases, supported by a large global fintech who has sponsored these upstream contributions in order to migrate its legacy loan management system of record (SOR) for its credit portfolio of short-term BNPL loans and long-term interest bearing installment loans. 

Major technical enhancements to Fineract to meet scalability requirements of 1000 write TPS and 10,000 read TPS and Close of Business processing times for 2M loans in under 30 minute include:

  • Upgrade and Performance Tuning of Database/JPA to PostgreSQL and Eclipselink Separation of Read/Write/Batch API calls
  • Robust & Reliable Real-time Event framework built on Apache Kafka
  • New Batch Job Processing Module built on Spring Batch
  • Business Date Concept implemented across the system Transaction Idempotency
  • Introduction of Modularity Layer and Customer Module Interface

Functional Enhancements to support BNPL loans with down payments, multiple disbursements and single and multi-installment repayment cycles include: 

  • New transaction types – chargebacks, chargeoffs, refunds, etc.
  • Enhanced support for multiple disbursals and downpayments
  • Fully configurable payment application logic down to the transaction type
  • Horizontal and Vertical Loan Processing
  • Cumulative and Progressive Loan Schedules
  • Delinquency Bucket Tracking
Edward Cable

Meet our 2024 Google Summer of Code and Code for GovTech Interns

/in , , /by

Join us in officially welcoming our class of interns for 2024. We have the pleasure of working with 18 interns across Google Summer of Code and Code for GovTech. This year Google of Summer of Code is celebrating its 20th year and marks our 12th year of participation overall and 9th year directly as the Mifos Initiative with eleven interns chosen. We are participating for the first time in the Code for GovTech Dedicated Mentoring Program which is now entering its third year being led by Samagra Governance. We have been able to select seven interns through this program which aims to cultivate a community of coders that can build and contribute to global Digital Public Goods.  We are blessed to once again be working with the cream of the crop of burgeoning open source contributors as we had to be highly selective in choosing our eleven interns for GSOC amongst more than sixty applicants and our seven C4GT interns from dozens of applicants as well. This year we have 16 contributors from India and for the first time, two contributors from Egypt. 

While our ultimate aim is build the next generation of open source contributors and lay the bedrock and foundation for the future of our community with new maintainers and committers, as usual, the projects proposed by our mentors and applied to by our interns will add immense value across all of our codebases and projects.

Google Summer of Code

For Google Summer of Code, we will have four interns working on mobile development, three interns on web and front-end development, three interns on artificial intelligence and machine learning related projects, and one on the Apache Fineract platform.

On the mobile front, our interns will be primarily focused on cross-cutting changes across the various applications to upgrade core dependencies, migrate to Jetpack Compose, evolve towards multimodal architectures, enable cross-platform development through Kotlin Multiplatform and consume common layers like our UI library, SDK, and soon-to-be-developed self-service middleware layer. In addition we will refine the overall user experience and deepen payment integration support especially for use cases like G2P. Rajan Maurya leads our team of mentors including Avinash Vijayvargiya, Chirag Gupta who will be guiding our mobile interns. Pratyush Singh and Aditya Kumdale will be heading up efforts to improve our mobile wallet, specifically for G2P use cases, Avneet Singh will be championing efforts around our Mifos Mobile mobile banking app and Aditya Gupta working on our Android Client and SDK.

On the web development front our team of mentors include Jose Alberto Hernandez, Bharath Gowda, and previous interns, Ramveer Singh and Radha Thakare. Pushpendra Singh and Vikash Prem Sharma will be focused on and designing and implementing a micro frontend proof of concept to the improve the scalability, maintainability and ease of developing new user experiences while Omar Nabile will lead efforts to continue enhancing our web app for greater performance and a better user experience.

This year we have a deeper focus on AI with multiple projects including Parth Kaushal continuing to refine and enhance the accuracy of our machine learning credit scorecard module under the mentorship of Victor Romero and Nasser, Akshat Sharma working on a brand new bank statement analysis module for creditworthiness led by Jeremy Engelbrecht, and Shubham Pal under the leadership of David Higgins and Chaitanya Nuthalapati exploring the power of generative AI to create a chatbot and self-support mechanism to help users and implementers better access our documentation and lessons learned over all the years.  Last but not least, Zeyad Nasef, will be helping to improve the maintainability and overall code quality of Fineract by  introducing type-safety at the REST API layer under the mentorship of Aleks Vidakovic and Sanyam and Rahul Goel. 

Code for GovTech

For Code for GovTech, we have a diverse array of projects all related to our emerging digital public goods to fuel digital public infrastructure that advances the adoption of instant inclusive payment systems and enables effective last-mile G2P distribution. Tom Daly leads our team of mentors including Elijah Okello, Courage Angeh, Nelly Kiboi, and Victor Romero stewarding several projects related to DevOps and deployability of our DPGs. These projects include Abhinav Kumar working on our next iteration of Mojafos, DPI as a Service, streamlining the deployment of Mifos/Fineract, Payment Hub EE and Mojaloop.  Yash Sharma will be working on Implementing a Kubernetes Operator for Mifos X/Fineract to improve its deployment and Devesh Pandey will be working on a performance testing tool for Mifos Payment Hub EE.

On the mobile front, we have two projects: enhancements to our mobile wallet led by Akash Meruva under the mentorship of Rajan Maurya and Avinaash Vijayvargiya and Palak Meshra working on the next version of our PISP/3PPI/Open Banking Fintech App being mentored by Karim Jindani along with Azeem Yaseen and Tifail Gadit.  

Ratnesh Mishra will be spearheading efforts around evolving our Mojaloop Connector in PH-EE to work with Mojaloop vNext. He is mentored by Elijah Okello alongside Tom Daly, Nelly Kiboi, Victor Romero and Courage Angeh. Dipan Dhali rounds out our C4GT projects focusing on the front-end with continued enhancements to our Operations Web app for Payment Hub EE under the stewardship of Alberto Hernandez, Karim Jindani, Azeem Yaseen and Tufail Gadit.

Thank you once again to Google for selecting us to participate in Summer of Code and for Samagra Governance for its leadership of the C4GT program. Thank you to all the mentors for all their guidance so far and continuing to lead our interns throughout the summer. 

Please join us at our Town Hall Meeting this Friday June 21 at 1530 GMT via Zoom where we will formally introduce all our interns.

Town Hall Meeting for Summer Intern Intros

Friday June 21 at 1530 GMT via Zoom

 

Mobile Apps – Mifos X 

Pratyush Singh – India

  • Mobile Wallet Enhancements
  • Mentors:  Rajan Maurya, Chirag Gupta
 Aditya Kumdale – India 

  • Mobile Wallet Enhancements
  • Mentors: Rajan Maurya, Chirag Gupta
 Avneet Singh – India

  • Mifos Mobile Enhancements 
  • Mentors: Rajan Maurya, Avinash Vijayvargiya,
 Aditya Gupta – India

  • Android Client & SDK Enhancements
  • Mentors: Avinash Vijayvargiya, Rajan Maurya

 

Mifos X Web Apps

Pushpendra Kumar – India 

  • Micro Frontends Proof of Concept
  • Mentors: Jose Alberto Hernandez, Radha Thakare

Omar Nabil – Egypt

  • Web App Enhancements
  • Mentors: Bharath Gowda, Ramveer Rajpoot

Vikash Prem Sharma – India – 

  • Micro Frontends Proof of Concept
  • Mentors: Jose Alberto Hernandez, Radha Thakare

 

  

AI & Machine Learning

Parth Kaushal – India

  • Machine Learning Credit Scorecard 6.0
  • Mentors: Victor Romero, Yemdjih Kaze Nasser

Shubham Pal – India 

  • Generative AI for Community Support
  • Mentors: David Higgins, Chaitanya Nuthalapati, Nayan Ambali

Akshat Sharma – India

  • Bank Statement Analysis
  • Mentors: Bharath Gowda, Jose Alberto Hernandez Aleks Vidakovic

 

Fineract Platform, Security & DevOps 

Zeyad Nasef – Egypt

  • Type Safety of REST API 
  • Mentors: Aleks Vidakovic,  Sanyam Goel, Rahul Goel
        
 

Code for GovTech Interns 

Abhinav Kumar – India

  • Mojafos v2
  • Mentors: Elijah Okello, along with Tom Daly, Nelly Kiboi, Victor Romero and Courage Angeh.

Dipan Dhali – India

  • Operations Web Enhancement for PH-EE
  • Mentors: Alberto Hernandez, Karim Jindani, Azeem Yaseen and Tufail Gadit.

Yash Sharma – India

  • Kubernetes Operator for Mifos X/Fineract
  • Mentors: Victor Romero along with Tom Daly, Elijah Okello and Courage Angeh.

 

Palak Mishra – India

  • Open Banking/PISP App
  • Mentor(s): Karim Jindani along with Azeem Yaseen and Tifail Gadit.
Akash Meruva – India

  • Mobile Wallet for G2P Payments 
  • Mentors: Rajan Maurya, Avinash Vijayvargiya

Devesh Pandey – India

  • Performance Testing Tool for PH-EE
  • Mentors: Tom Daly alongside Nelly Kiboi, Victor Romero, Courage Angeh and Elijah Okello.

Ratnesh Mishra – India

  • Update PH-EE Mojaloop Connector 
  • Mentors: Elijah Okello alongside Tom Daly, Nelly Kiboi, Victor Romero and Courage Angeh.
  •  

Read more