CONCEPT DEMONSTRATION• Fictional demonstration data • Prepared by Sepapane Group for client discussion
Member Financial & Benefits Operating System

Your membership.
Your money.
Your benefits.

One multi-tenant platform for unions, SACCOs, cooperatives and employee benefit schemes — with a member portal, operations workspace, employer reconciliation and WhatsApp Assist as one connected service channel.

1 platformportal + operations + employers
2 money statesdeducted ≠ received
WhatsApp Assistone channel alongside the portals
Client demo: all names, balances and transactions shown here are fictional. This prototype is not connected to live financial, payroll, member or WhatsApp systems.
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MEMBER360
Botswana Teachers Members Society
Dumela. How much do I have?
Dumela Kagiso. Your savings received by the society are:
P 4,550.00

P350.00 was deducted for August but has not been remitted by your employer yet. Your loan balance is P13,000.00.
I want to pay 2000 on the loan
P2,000.00 towards your Development Loan. Reply YES to confirm and I will create a secure payment instruction.
YES
Payment received.
Receipt RCP-2026-004417
P 2,000.00
New loan balance P11,000.00
Can you change my contribution to 500?
I cannot change payroll directly. I have opened a contribution-change request for the society to action and I will tell you when it is done.
One operating system

Membership, money and service in one place.

MEMBER360 treats payroll deduction, employer remittance, member allocation and financial posting as separate controlled steps. The result is a platform that can tell a member exactly what happened — while giving staff the tools to resolve exceptions quickly.

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Member 360°

Member identity, beneficiaries, contributions, loans, benefits, documents and service history.

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Payroll reconciliation

Match employer files, remittances and member allocations. Human-readable exceptions, not error codes.

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Financial ledger

Auditable savings, loan and payment events designed around controlled transactions and reversals.

WA

WhatsApp Assist

A conversational service channel for balances, statements, applications, repayments, status tracking, documents and human handover.

Recommended client journey · about 7 minutes

Show one story across every channel.

The strongest demonstration is not a tour of menus. It is one member story moving through the Member Portal, WhatsApp Assist, Operations, the Employer Portal and the Credit Committee — all sharing the same demo state.

1

Member sees the truth

Show P4,550 received and the separate P350 employer deduction that has not yet been remitted.

Member Portal
2

Member uses WhatsApp

Ask for balances, then simulate a P2,000 loan repayment. The loan balance changes across the demo.

WhatsApp Assist
3

Operations sees it

Open Payments and Reconciliation. Show the payment record and the human-readable payroll exception.

Operations
4

Employer resolves exceptions

Show how the payroll officer can see the missing remittance and submit a remittance advice.

Employer Portal
5

Committee makes the decision

Approve the loan application, then return to the member and show the agreement stage updated.

Credit Committee
Fictional data safe for demonstrationShared demo state actions appear across workspacesPrototype only no live money movement
Interactive prototype

Choose a workspace.

The demo uses fictional Botswana Teachers Members Society data. Actions change shared demo state, so a repayment in WhatsApp Assist immediately appears in the Member Portal and Operations records.

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Member Portal

Contributions, statements, loan journey, eligibility, benefits, documents and support.

🏢

Operations

Members, payroll, reconciliation, loans, payments, cases, reports and audit trail.

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Employer Portal

Payroll files, remittance advice, exceptions and employer account statements.

✓

Credit Committee

Meeting agenda, applications, policy checks, voting, decisions and minutes.

Designed for reuse

One platform, many organisations.

Each organisation can have its own brand, products, policies, workflows, roles, employers and WhatsApp Assist configuration while keeping member data isolated.

Prototype principle:  organisation rules are configuration, not hard-coded logic.
Target organisations
Trade unionsMembership, payroll, benefits
SACCOsSavings, loans, collections
CooperativesMember finance & service
Benefit schemesEligibility, claims, payments
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