Best Microfinance MIS out there?

Hello Seep Practitioners;

I am reading about MF software and wondering what makes a software great?  There seem to be an abundance of choices and while I've seen the reviews by CGAP of 25 market leaders, I am left wondering if any of you can speak to what specific characteristics make these products (or the one your organization uses) worth the high licensing fees:

Here's the review done in '09 and '10:  http://www.cgap.org/p/site/c/template.rc/1.26.3104/

And, has anyone done a "before" and "after" software purchase study related to increased efficiency and decreased costs and/or improvement in client relations?  If so, has the software paid for itself in an acceptable period of time?  And, for the more mature MFIs (defined by me as in existence for about a decade or more), how many times have you changed or upgraded your software?

I am also specifically seeking a MFI that is interested in assisting a financial services software manufacturer to modify its cloud based reporting/data analysis software so that it is relevant to MFIs.  

It is financial services software that was originally designed for banking and insurance regulators (and is in use by 25 dev. country regulators), that we think could be complementary to MF loan tracking software.  The manufacturer would offer a significant price discount in exchange for a MFI allocating staff time to working with the programmers to customize the software for the MFI's business.

If you'd like more info and a demo of the software "as is" please write to me at Jami Solli (without the space) @Gmail.com

And, thanks for your input on software!

best,

Jami