Smarter Commerce Gives Better Insights

Shubhrendu Khoche • June 4, 2026

Logo of INSEAD Alumni Entrepreneurship Club.

It had been staring in the face for some time.

Why look for exotic, esoteric ‘alternative’ data where correlation was low and causality even more difficult to explain?

Reducing inefficiencies in the biggest flow of value, their weekly ordering of supplies, unlocks better indicators for creditworthiness of some of the most productive, flows-rich but asset-poor merchants.

Smarter commerce gives better insights. These insights derisk embedded financing.

With more money in their pockets, these small merchants in emerging markets adopt digital payments faster. Giving a small number of firms the opportunity to become the “Claude for smaller businesses” in emerging markets on their phones, POS terminals and QR code soundboxes.

yufin is proving out one step at a time; doing well by doing good.

Read what INSEAD GEC posted about yufin here!