The Future of Technology Solutions in 2025
Posted on August 20, 2025 by Aryan (Anna) Group
Below are eight technology solution building blocks designed to enable high-performance, enterprise-grade systems in 2025—from intelligent workflow automation to AI-driven customer insights. Each module includes a clear purpose statement and the key functionalities required for scalable deployments.
A. Supply Chain Financing Module Invoice-based working capital
Purpose / Description
End-to-end workflow that enables invoice-based working-capital finance for MSME suppliers. The module links Connectors (DSAs), borrowers, anchor corporates and multiple NBFC/bank funders on a single rail, delivering real-time visibility from invoice upload through disbursement and settlement.
Key Functionalities
- Multi-format invoice ingestion (PDF, EDI, GST e-invoicing) with OCR & duplicate detection
- Dynamic-discount & early-payment offer engine (rate table or yield curve)
- Real-time risk scoring via GST, bureau, bank-statement & anchor-rating data
- Marketplace routing to approved funders with allocation rules & auto-drawdown
- Automated disbursement file generation, beneficiary validation & maker–checker release
- Repayment schedule creation, NACH mandate & UPI Autopay handling, MIS & audit trail
B. Network CRM for Sales Channel (DSA) Built for nested networks
Purpose / Description
A CRM built specifically for large, nested DSA networks to capture leads, qualify product eligibility, orchestrate multi-lender login and monitor productivity across thousands of individual agents.
Key Functionalities
- Hierarchical lead queues (DSA → Team Lead → Connector) with rule-based auto-assignment
- KYC/Bureau pre-screen and product-fit recommendation at the point of lead capture
- Loan-login checklist, document vault, task engine and SLA timers
- Performance dashboards (leads, conversions, payout forecast, TAT)
- Incentive-plan designer & payout estimator per scheme/lender
- API hooks for external LOS/LMS and marketing platforms
C. Detailed User Permissions Module Granular RBAC
Purpose / Description
Granular role-based access control (RBAC) that lets an administrator model real-world privileges—e.g., DSA Partner, Team Manager, Connector, Underwriter, Ops, Auditor—down to field-level CRUD rights.
Key Functionalities
- Role & sub-role matrices with inheritance and conflict checks
- Field-level view/edit masks and conditional redaction (e.g., bureau score)
- Geo-fencing and shift-based login windows
- Dual-auth approval chains (maker/checker, 4-eyes)
- Just-in-time (JIT) privilege elevation with expiry
- Complete permission-change audit log exportable to SIEM
D. Low-Code Loan Product Builder Ops-friendly
Purpose / Description
Drag-and-drop designer that lets non-technical ops teams launch new loan products—including UI pages, field validations, document lists and underwriting logic—without core-code releases.
Key Functionalities
- Visual workflow canvas with branch/merge, timer and webhook blocks
- Pre-built UI component library (KYC, bureau, bank-statement fetch, e-sign)
- Version control with sandbox vs live publish & instant rollback
- Document matrix (type × customer segment × lender) and digital-locker binding
- Rate, fee & amortisation template editor with simulation view
- Export/import of product definitions as signed JSON bundles
E. Business Rule Engine Real-time decisions
Purpose / Description
A high-performance rules compiler that executes underwriting, eligibility, pricing and connector-payout formulas in near real-time, fully configurable by business users.
Key Functionalities
- Decision-table & score-card designers with Excel import/export
- Chained rule-sets with weightage, breakpoints and override flags
- Context cache (GST, bureau, CKYC, bank-statement ratios) for 50+ data points
- A/B test harness & champion/challenger reporting
- GPU-accelerated batch mode for portfolio re-score
- Full rules-execution trace per application for audit & regulator requests
F. Complimenter Widget (D2C Journey) Embeddable <50 kB
Purpose / Description
Lightweight JavaScript widget that DSAs can embed on their website or landing page to offer instant self-service loan journeys to retail customers.
Key Functionalities
- Copy-paste embed code < 50 kB, auto responsive
- Theme & locale customiser; supports 11 Indian languages
- Instant bureau soft-pull and preliminary offer screen (< 5 s)
- Secure document upload with virus scan & exif-strip
- Abandoned-journey reminder via WhatsApp & email
- Conversion funnel analytics pushed to CRM in real-time
G. CRM Integration with Dialer CTI bridge
Purpose / Description
Bridges CRM with cloud telephony/auto-dialer platforms to streamline outbound calling and inbound lead capture.
Key Functionalities
- Single-click call from lead record; screen-pop on inbound
- Progressive & predictive dial-plan push, DNC & retry logic
- Call recording, disposition tagging, and playback in CRM timeline
- Real-time agent performance wallboard (connect %, talk-time, CPS)
- WebRTC soft-phone fallback for remote agents
- CTI widget SDK for third-party dialer vendors
H. Customer 360 Engine AI-assisted NBO
Purpose / Description
AI-assisted recommendation layer that surfaces the right product pitch to a DSA/Connector based on consolidated customer data from bureaus, GST, bank statements and alternate data partners.
Key Functionalities
- Unified customer profile aggregation with deduping & fuzzy match
- Behavioural & credit-propensity models (scorecards via ML pipelines)
- Real-time next-best-offer (NBO) API invoked by CRM widget
- Explainable-AI reason codes for compliant sales scripts
- Conversion lift A/B test harness and model drift monitor
- Secure differential-privacy masking for PII when exporting insights