Web solution for micro lender(repost)

I am the owner of? a South African micro lending company offering loans to the public for more than 10 years.? In order to stay competitive I have decided to restructure? my business and my aim is to become South Africa's first online lender.? We also want to become the first micro lender to offer clients a loyalty/rewards program.? I am looking for a developer? to help me with? the following: ·? ? ? ? Design and develop the online/email-based loan application procedures ·? ? ? ? Design and develop a data driven and functional website ·? ? ? ? Re-develop our existing client management solution (MSAccess) to be web based ·? ? ? ? The client management solution needs to integrate with various service providers and our accounting package ·? ? ? ? Design and develop an online document management solution ·? ? ? ? Design and develop telephony solutions As this is a new project we require a well-experienced candidate with exposure to all aspects off the development cycle.? ? The successful candidate will have the privilege to choose the platform/technologies for the project. ## Deliverables * * *This broadcast message was sent to all bidders on Wednesday Dec 9, 2009 12:02:37 AM: This is my first experience with RentACoder and I must say I am stunned at the responce! Thank you. I'm going to cancel the bid request now and will be going through the existing bids from today. * * *This broadcast message was sent to all bidders on Monday Dec 14, 2009 9:50:28 AM: Just some feedback on my progress with the bids and also a request for help!! (Bye the way, I cannot express enough how much I am impressed and also somewhat overwhelmed by the bids received ??" thank you once again!) Going through the bids I realised 2 things: I’ll have to break up the project in smaller projects and I’ll have to give more info to you guys. Breaking up the project is not a problem. I do however have a problem providing a detailed functional spec. As I am not from an IT background this seems like a project on its own, where expert involvement will be required. I am also reluctant to do it, since casting the functionality of my system in stone might blow up in my face later. After doing some research it seems there is other methodologies when it comes to software development (as appose to spending hours on a functional spec which in itself might be flawed). Some websites were referring to extreme programming while others mentioned developing from the user interface backwards. All of them had a big emphasis on ongoing customer interaction and involvement. Now to be honest this makes more sense to me. In other words I want to get away from the concept of putting a functional spec out there for people to bid on. I’d rather build a relationship with one or two teams and just start building one section at a time, maybe with the help of some visual tools, etc. So I don’t know how you feel about this and if any of you would be prepared to work on this basis. If yes, how would the bidding be affected to be fare to everybody and how would one go about getting started? Also do you have any recommendations with regard to tools, etc that one would use? Hope you guys understand my problem. I am open to suggestions and any additional comments will be appreciated.