Slow and unreliable network makes it impossible to envision a single central database system

• For instance centralized at the country Headquarters
  

OCTOPUS can be deployed in a simple multi-step consolidation pattern

• Automatic outputs from branches to the country HQ with both detailed and consolidated data
  
  • Loan portfolio and Accounting information
    
• Ensuring strong audit capabilities at the country level
  

• Each branch is in charge of producing both the internal pivot and the country specific financial reports
  

• Requires local knowledge of both internal (French PCEC) and local (external) chart of accounts

• All branch and headquarters systems use the same accounting rules
  

• Accounts mappings allows easy translation between pivot and local standards