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Case Study

Analytics101 — Retail Fintech Analytics for Microfinance Growth

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About Client

Our client is a fast-growing retail microfinance and digital payments company, enabling small retailers across India to offer AEPS, Micro-ATM, fund transfers, bill payments, recharges, insurance and other critical financial services through a high-volume Web and Mobile App platform. SmartinfoLogiks partnered with them as their core technology provider, developing their complete retail fintech ecosystem - including MATM & AEPS infrastructure, merchant onboarding, hierarchical sales modules, dispute workflows, and a unified transaction engine. The platform today integrates 50+ financial products and services, such as AadhaarPay, AEPS, DMT, BillPay, MATM, CRM, Insurance, NSDL/PAN, BBPS, QRPAY, Recharge, SmartCollect, PG, CMS, Fund Transfer, Move-to-Bank, Travel, Tax Collection, Helpdesk and more - powering millions of retailer-level transactions every month.

As their operations expanded and product count grew, the leadership team required deeper visibility into performance, transaction volumes, fund requests, sales productivity, and product-wise valuation across regions. To enable this scale, they implemented Analytics101, integrating real-time dashboards, automated MIS reports, and granular transaction analytics - giving the CEO, Cluster Heads, Zonal Heads, and TSMs a unified, accurate and actionable view of their entire retail fintech operations.

  • :   Fintech, Microfinance
  • :   Mobile App, Web Application
Fintech Analytics

Challenges & Solutions in Retail Fintech with Analytics101

Their team including CEO, Cluster Head, Vice President, Territory Sales Manager (TSM), and others, faced key challenges:

  • The CEO lacked access to overall business retail fintech insights across teams and regions, affecting strategic decisions.

  • Cluster Heads struggled to monitor and track the performance of their teams.

  • Vice Presidents/Zonal Heads found it difficult to evaluate regional sales performance and forecast revenue.

  • TSMs couldn’t effectively track individual performance or prioritize sales activities, impacting productivity.

  • Additionally, the inability to track high transaction volumes and overall sales performance hindered business growth.

  • The significant gap in transaction volume calculations impacted revenue growth and overall business performance.

Business Benefits of Analytics101 for Retail Fintech Success

To address these challenges, our client implemented Analytics101, a powerful BI and analytics solution providing precise, actionable business retail fintech insights. Analytics101 helped them to streamline reporting, enhance data accuracy, and unlock valuable insights that would propel business growth. This Multi-Platform Financial Data Analysis solutions offers a comprehensive toolkit designed to empower retail microfinance with data-driven decision-making capabilities.

Gross Turnover Volume (GTV) Insights

Gross Turnover Volume

Through Analytics101, CEO could effectively track their Monthly Gross Turnover Volume (GTV) and analyze monthly performance. This helped them to do overall strategic planning and operational efficiency.

done

Enhanced Decision-Making

done

Improved Operational Efficiency

done

Strategic Planning

done

Performance Analysis

Gross Turnover Volume
Per Day Business valuation

Per-Day Transaction Valuation for Accurate Reporting

Per Day Business valuation

With real-time capabilities, retail microfinance businesses can effortlessly monitor their gross turnover transactions for the current day, providing accurate and timely counts. This eliminates the hassle and inaccuracies associated with traditional Excel sheets, ensuring a seamless and efficient tracking process.

done

Instant Transaction Visibility

done

Accurate Transaction Counts

done

Streamlined Transaction Processing

done

Timely Financial Insights

Monthly Top-Up Fund Request Tracking

With Analytics101 Sales teams can seamlessly track their monthly fund requests, associated with specific products and merchants. This streamlined approach enhances visibility and management of fund request amounts, leading to effective oversight and decision-making with data analytics in retail fintech.

done

Centralized fund request tracking

done

Product-specific fund allocation

done

Enhanced visibility and oversight

done

Improved decision-making

Master Retail Fintech with Data Insights.
Drive growth and performance with our cutting-edge retail fintech solutions.

Fintech Analytics Fintech Analytics

Monthly Active Networks & User Analytics

Monthly Active Networks

Retail Microfinance businesses could effectively view and analyze their active networks, organized under sales users. This functionality provides clear visibility into network activities, facilitating better management and strategic decision-making.

done

Clear network visibility

done

Organized network management

done

Enhanced oversight and control

done

Data-driven decision-making

Monthly Active Networks
Product wise transaction valuation

Product-wise Transaction Valuation & Comparison

Product wise transaction valuation

Product-wise reports assessed and compared with data analytics in retail fintech for financial performance of individual products through detailed transaction valuation.

done

Granular product analysis

done

Detailed transaction valuation

done

Comparative financial performance

done

Data-driven product optimization

Transaction-level Retailer Performance Analysis

Transaction wise retailers' business

Analytics101 provided detailed insights into retailer performance by examining each transaction individually.

done

Granular transaction analysis

done

Deep dive into retailer performance

done

Enhanced understanding of customer behavior

done

Data-driven optimization

Transaction wise retailers' business

Key Benefits: Retail, Merchant & Sales Performance


30%Retail
Performance

50% Merchant
Performance

40%Sales Team
Performance

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