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ADARSH PATNAIK

|| ICFAI Business Sc... • 23d

Hello people, I'm thinking to launch a financial product where the Pan shops, super markets, Kirana shops, cloth retailers... etc can give credit for the products they sold to the known and to the trust customers without any hesitation. Through Implementation of QR scanner code specially for known customers. The app directly reminds the balance payments to be payed, The limit for the customer is set by Shop keepers, and through the app the payment reminders be sent.

4 replies11 likes

Replies (4)

Anonymous 1

Hey I am on Medial • 23d

I actually love the concept but see regulatory nightmares ahead. The moment you formalize credit issuance, you're potentially stepping into RBI territory. Will shopkeepers need to register as NBFCs? How will you handle KYC requirements? What about disputes and consumer protection? These informal credit arrangements currently exist in a gray area, but an app would bring scrutiny. I'd strongly suggest getting regulatory clarity before investing too much in development.

1 replies3 likes

VIJAY PANJWANI

Learning is a key to... • 22d

I don't think you will make revenue from this idea. Because in India nobody will pay you to give reminders.

0 replies

Sachin Lalwani

Passionate about tec... • 23d

have u heard about apps like okcredit , khatabook

0 replies

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