Digital khata for shopkeepers

A simple digital ledger (khata) for shopkeepers: record udhaar, send automatic payment reminders on WhatsApp, and build a credit profile for micro-loans.

Target audience

small shopkeepers

Problem solved

Shopkeepers lose money tracking credit sales on paper.

Solution

Digital khata + WhatsApp reminders + credit scoring.

Technologies

Flutter, Firebase, WhatsApp API

Monetization

Freemium + lending referral fees

Challenges

Onboarding non-digital users; credit risk scoring.

Improvements

Add supplier payments; partner with microfinance banks.