Lots of daily wage earner, migrant population around
Does very good business in the area (numbers not added on purpose)
Well placed on a prominent road, has visibility and enjoy's reputation with customers
Has an existing reputation and is well stocked with fast-moving SKUs (certainly bigger of the Kirana's nearby)
Kirana owners profile
Friendly, customer focussed
Moderately digitally savvy
Adapt to using the phone for different digital workflows and also navigating offline systems;
but has fatigue from exploring new features
Owns two phones (one of his partner's) and laptop
Am not sure which is his preferred choice for accessing Eko
Onboarding to new Eko initiatives
May respond better to offline training & customer acquisition tactics better than online ones
Chief motivation drivers can be are to increase profits by providing more services to customers
Also threats from nearby shops providing more services can be a motivation driver (in theory) for providing more services
Working well
Transferring money to accounts is the main use-case, with a healthy volume
The interface for the same is simple and well understood by the Kirana owner
Believes in credibility/stability of the software and non-software systems of Eko (compared to other providers, who can be fly-by-night operators)
Not working
Onboarding the shop owner to Eko's new products.
There was a small discussion on e-value and utility payment services not being actively advocated by the Kirana
Not the focus, but Eko is currently unable to help the shopkeeper digitalize the aspects of their core retail business.
( This aspect of the business is interesting for lending businesses, PoS systems, e-grocery businesses, delivery business, and other business; who would like to use Kiranas as a last-mile delivery partner, etc)
Opportunities
Better onboarding to new services (digitally and non-digitally using paper material/mini-books)
Better partnering by involving them in the creation of new services
There can be several if's and but's here which I am not touching
Better pitching of new services (with profit projections based on customized data analysis of their existing customers)
Opportunities
Better data collection of their existing customers (though Kirana shop keepers are wary of this, esp if it threatens their core business)
Getting into their traditional business workflows (copying inventory management systems, Khata-books, or Ok-credit's, etc)
I also noticed a small need for Ok-credit's use-case, which I was unsure of earlier. It "could" be used to handle accounts of few quarrelsome customers, to keep transparency and avoid conflicts with them (as a foot in the door).