The main principle behind business is that one party provides a service or goods in exchange for getting paid by the other party, so the whole profit part of this process demands the ability to accept payments.

What is a Payment Gateway?

A payment gateway is a technology used by merchants to accept debit or…


The “Chicken vs Egg” paradox has piqued curiosity in various domains of life and the lending scenario in a country as vastly populated as India shows a clear example of this phenomenon.

  • While SMEs and MSMEs require working capital to scale up their ventures, they are mostly not in a…


The pandemic has brought in a massive transformation in India’s digital payments scenario, leading to the upsurge of several unconventional payment models, the Buy Now Pay Later (BNPL) being one of them. …


India’s leading payment and financial services enterprise, PhonePe, has recently announced the launch of PhonePe Pulse- India’s first of its kind interactive geospatial site. PhonePe Pulse has been specifically designed to provide its users with all possible granular data and insights on the trends prevailing in the digital payments scenario…


Chicken Or Egg Problem

The microfinance and SME lending sector in a developing nation like ours poses a perennial challenge. While SMEs contribute to 95% of the industrial units, they lack the much necessary 5Cs of creditworthiness. The eligibility threshold for loan approval for MSMEs sets the bar high for them to cross.

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Credits: researchdive

Location analytics allows you to visualize the movement of products, sales, and materials over time and space. Almost everything in a company happens at a specific time and place. …


The traditional Lending model:

During the assessment of an applicant’s financial reliability, lenders globally have traditionally depended upon a limited range of data sources. Lenders generally prefer thick credit files. …


Payment Processing Solutions capture a large share of the up and booming fintech market, and is set to reach USD 120.7 B by 2025, their growth seems unstoppable. Driven by a boost in eCommerce due to lockdowns and the temporary unavailability of COD options, the payment processing market is unique…


Sharma Ji’s Store- The Backbone of Economy

Dotting the sides of each kaccha and pakka street of the nation, the local stores are where “Real India ‘’ shops. With India’s retail market estimated at $883 billion, the small and medium-sized Kirana stores enjoy the confidence of a large local customer base and account for more than 75%…


“Disruption”- A lesser-known and acknowledged driver of innovation; it has truly pushed sectors to revolutionize and rethink the pillars on which modern society is built. In a somewhat counter-intuitive sense, a debilitating pandemic sped up the already accelerating rate of adoption of financial technology to a staggering 87%.

Is the…

Data Sutram

Location Intelligence Enterprise

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