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OkCredit Desktop

Launching OkCredit Desktop Version

Observation

OkCredit was initially designed as a mobile-first experience to help merchants in Tier 2 and Tier 3 cities digitize their businesses. As the platform grew, merchants from Tier 1 cities and larger businesses began adopting OkCredit. These merchants typically had desktops in their shops to manage inventory using Excel and generate bills.

Due to this shift in user demographics, we started receiving requests for an iOS and desktop version of OkCredit, as merchants preferred using a larger screen for business operations. Recognizing this need, we decided to expand OkCredit to desktop, ensuring a seamless experience across devices.

Problem Statement

How might we extend OkCredit’s functionality to a desktop platform while maintaining the simplicity, security, and vernacular accessibility of the mobile app, so that larger merchants and Tier 1 city users can manage their business more efficiently?

Solution

To cater to the needs of larger merchants and desktop users, we built and launched OkCredit for Desktop with the following key features:

1. Seamless Authentication & Security

  • Enabled same mobile number login with OTP-based authentication for a consistent user experience across mobile and desktop.

  • Maintained robust security measures to ensure data integrity and privacy.

2. Vernacular & Accessibility Support

  • Built the desktop version in 11 languages to provide vernacular support for a diverse user base.

  • Implemented keyboard shortcuts and keypad navigation for faster operations and improved accessibility.

3. Web Adaptation of Core Features

  • Migrated major Android flows to desktop, aligning with web usability guidelines:

    • Adding a customer

    • Adding a transaction

    • Account summary

    • Customer/supplier reports

    • Sending payment reminders via WhatsApp

4. Multi-Device Responsiveness

  • Designed the web application to be fully responsive, ensuring smooth functionality on:

    • Desktops for shop owners managing inventory

    • iPads for merchants preferring tablet-based interactions

    • Mobile browsers for those needing quick access on the go

Impact

Expanded User Base: Merchants from Tier 1 cities and businesses with larger turnovers successfully adopted OkCredit on desktop.

Improved Workflow Efficiency: Merchants could now manage inventory, generate bills, and track transactions more efficiently on a larger screen.

Seamless Cross-Device Experience: Users could easily switch between mobile and desktop without disrupting their business operations.

Enhanced Accessibility: Vernacular support and keyboard shortcuts made the platform more inclusive and user-friendly for diverse merchant segments.

Increased Engagement: The ability to send reminders and manage reports directly from desktop improved merchant adoption and retention.

Bank Statement Reconciliation

Observation

Distributors manage payments from retailers through various methods, including cheques, QR codes, NEFT, cards, and cash. These payments are recorded in the OkCredit ledger corresponding to the respective merchants and are also reflected in the bank ledger. At the end of each day or month, merchants aim to reconcile their bank statements with the transactions recorded in the OkCredit ledger to identify any discrepancies or unlinked transactions.

Problem Statement

How might we help merchants seamlessly reconcile their bank statements with the OkCredit ledger by automating transaction matching, identifying unlinked payments, and simplifying error correction, so they can save time, reduce errors, and maintain accurate financial records?

Solution

Bank Statement Upload: Merchants can upload their bank statements directly into the system.

Automated Matching: The system matches transactions by amount and date against entries in the OkCredit ledger.

Flagging Unmatched Transactions: Transactions without a match are flagged for the merchant's attention.

Manual Mapping and Expense Classification: Merchants can manually map unmatched transactions or classify them as personal expenses.

Error Correction Mechanism: The system allows for easy correction of transactions recorded against the wrong merchant or with incorrect data.

Impact

Reduced Reconciliation Time: Automated matching has significantly decreased the time required for manual verification of transactions.

Enhanced Accuracy: The system minimizes human errors in transaction matching, resulting in more reliable financial records.

Improved Financial Transparency: Merchants can easily identify unlinked payments, personal expenses, and anomalies in their transactions.

Increased Operational Efficiency: Streamlined error correction processes have improved workflow efficiency, facilitating smoother ledger management.

Tally Connect

Observation

Distributors relied on Tally to manage inventory and generate invoices. The order process involved multiple steps:

  1. Order Placement: Staff collected orders from retailers and passed them to the clerk.

  2. Bill Creation: The clerk manually generated professional invoices in Tally.

  3. Warehouse Processing: The invoice was sent to the warehouse for goods preparation.

  4. Order Entry in OkCredit: The clerk manually entered the order details into OkCredit for delivery and payment tracking.

  5. Payment Collection: Staff collected payments through OkCredit, updating the ledger automatically.

This manual process led to double data entry, increasing the risk of errors and inefficiencies.

Problem Statement

How might we streamline the order-to-payment workflow by integrating Tally with OkCredit, so distributors can avoid redundant data entry, reduce errors, and improve operational efficiency?

Solution

We developed a Tally-OkCredit Sync System to automate data flow between both platforms:

Tally Integration: Orders, invoices, and inventory data from Tally were directly synced with OkCredit.

Eliminating Double Entry: The clerk no longer needed to manually input order details in OkCredit, saving time.

Seamless Payment Tracking: Once an invoice was generated in Tally, it was automatically reflected in OkCredit for delivery assignment and payment collection.

Real-Time Ledger Updates: Payments collected via OkCredit were synced back to Tally, ensuring up-to-date financial records.

Impact

Reduced Manual Effort: Clerks no longer had to duplicate entries in both Tally and OkCredit.

Improved Accuracy: Eliminating manual input minimized data entry errors and inconsistencies.

Faster Order Processing: Orders were directly linked to payments, enabling quicker deliveries and streamlined warehouse operations.

Enhanced Financial Tracking: Payments collected through OkCredit were automatically reconciled with Tally records, ensuring real-time ledger accuracy.