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Merchant Data (SMEs)

SME Data details the following,

  1. Identity of the merchant: provides information about who the merchant is, what do they deal in, do they have GSt or not, etc. to enable accurate search features of the desired merchant types.
  2. Financial stability of the merchant: provides details about their volume & type of transactions in & around the merchant, to understand the financial capacity & stability, business potential & current business status of the merchant.
  3. Consumer Demography of and around the merchant: aids clients to understand the nature & geo-behavior of the consumers interacting with the merchant & around the merchant, to enable clients to narrow-down on relevant merchants based on the target audience segmentation.
  4. Location Attributes of the merchant: provides information about the vicinity of the merchant, that enables clients to have a pragmatic view of the business potential, consumers, status & competitive status of the merchant, also to help access the desired merchants with ease.
AspectAttribute NameDefinitionSourceRefreshment RateBusiness Use CaseOutput Type
identityNameName of the SMEgmaps/jd/signzy/techceleratorTo verify and locate the merchantstring
identitySME VerificationBoolean value representing if the name, address and contact number of the SME is modified as on dateDS6 monthsTo keep the metadata of the validation eventdate & time
identitySME VerificationBoolean value representing if the name, address and contact number of the SME is created as on dateDS6 monthsTo keep the metadata of the validation eventdate & time
identitySME VerificationBoolean value representing if the name, address and contact number of the SME is verified as on dateVerification Team6 monthsTo verify and locate the merchantCategorical (Verified / Unverified)
identityHSN NumberThe hsn number used by the SME during the gst registrationgst portalTo help the financial institutions understand the type of business category the SME is registered in during its gst registrationInteger/Float
identityAddressaddress of the SMEgmaps/jd/signzy/techcelerator6 monthsTo verify and locate the merchantstring
identityMobile NumberMobile number of the SMEgmaps/jd/signzy/techcelerator6 monthsTo verify and locate the merchantstring
identityTypePrimary business type of the SAME as verified from private and public sources.gmapsTo properly tag specific product and service categoryValue obtained from the source
identitySubtypesubtype of the SME as sourced from the primary business performed by the SMEgmapsTo properly tag specific product and service categoryCategorical
identityPan Numberpermanent account number of the owner of the business as tagged with the GST of the SMEgst portal/signzyTo verify the merchant existenceAlphanumeric
identityNature of BusinessTo check the role played by the SME in the value chain this can be classified into wholesaler, retailer, manufacturer, and distributorgst portalRefreshed once the data is pulled from portalTo check if the SME is Manufacturer, Wholesale etc in order to help financial institutions to market specific loan ticket size , to help fmcg and cpg to better understand type of product and services that can be positioned with the same.Categorical
identityLegal entityType of legal identity under which the SME is registered. Following under the category of Sole Prop, Partnership, LLP, and PVTGST portalRefreshed once the data is pulled from portalTo check and verify the legal entity of the SAME as published by GOI.Categorical
identityPrimary Business TypeType of business activity being performed by SME based on its Registration under HSN , MCC or any other national categorisation available with government of India.GST portalRefreshed once the data is pulled from portalTo help Financial institutions, FMCG and CPG search, and identify the type of merchants based on their business requirements.string
identityPrimary place of businessThe registered address of the SME based on GST detailsGST portalRefreshed once the data is pulled from portalTo help the field team of financial institutions and others to carry out the visit and evaluate the physical condition of the property and its marketability.Categorical
identitycontactibility scoreScore generated after carrying out due diligence of the contact number at various level to check the place, type of business and the name of the owner of the SMEcalculated based on data verified from gmaps/jd/signzy/techacselaratorTo help increase the efficiency and reduce the lead sourcing time of the field teams of the financial instituions and others.float
identityReliability scoreScore generated after checking the validity of the SME credentials on various public and private sources.gmaps/jd/signzy/techacselaratorTo helo internal team in order to share SME's with high confidence of their presencefloat
identityGSTingst in of the SME as posted by the gst portal of Indiagst portal/signzyTo verify the location and check the stability
IdentityGST Statusgst status of the SME as posted by the gst portal of Indiagst portal/signzyTo cross verify if the merchant is actively carrying out the businessCategorical
IdentityUnqiue identifierunique identification number to retrieve the credentials of the SMEDSWon't applyTo help the financial institution and others to identify the source of the SMEalphanumeric
IdentityLatitudelatitude of the location where the SME is locatedgmaps/jd/techacselaratorDependent on the geocoder & in case the location of the merchant is changedTo help the field teams of financial institutions use the gps options and track the leads more preciselyfloat
IdentityLongitudelatitude of the location where the SME is locatedgmaps/jd/techacselaratorDependent on the geocoder & in case the location of the merchant is changedTo help the field teams of financial institutions use the gps options and track the leads more preciselyfloat
IdentityPincodepincode of the location where the SME is locatedgmaps/jd/techacselaratorinteger
IdentityDistrictpincode of the location where the SME is locatedgmaps/jd/techacselaratorstring
IdentityStatepincode of the location where the SME is locatedgmaps/jd/techacselaratorstring
IdentityPhone Numberphone number of the SMEgmaps/jd/techacselarator6monthsProviding an alternative contact details to the financial institutions and others
Financial stabilityGross Total Income (Value : Financial Year)Financial Year of the gross total income of the SME as posted by the gst portal of Indiagst portal/signzyTo properly tag specific product and service category. To check the financial capacityInteger
Financial stabilityGross Total Incomegross total income of the SME as posted by the gst portal of Indiagst portal/signzyTo properly tag specific product and service category. To check the financial capacityFloat
Financial stabilityTurn Over (Value : Financial Year)Financial year of the turnover of the SME as posted by the gst portal of Indiagst portal/signzyTo properly tag specific product and service category. To check the financial capacityInteger
Financial stabilityTurn Over (slab)turnover slab of the SME as posted by the gst portal of Indiagst portal/signzyTo properly tag specific product and service category. To check the financial capacityCategorical
Financial stabilityRegistration dateregistration date of the SME as posted by the gst portal of Indiagst portal/signzyTo check the vintage of business in order to help financial institution for product offerings.Date
Financial stabilityCommercial RentValuation of the property where the business is locatedMakaan / housing6 monthsRent of the area where SME is located this will help the Financial Institution to better estimate the value of the property and income of the SME owner thereby deriving affluence of the business owner.Float
Financial stabilityVintage
Financial stabilityIncome prediction score
Consumer DemographyfootfallAverage daily footfall experienced by the merchantMobile Advertising Identification Number3 monthsTo estimate the business that can be done by the merchant in particular locationInteger/Float
Consumer DemographyHIG Visits %income group wise % visits to the SMEderived from POITo help FMCG, CPG etc companies to understand the customers that can be targeted based on income group (product and service offerings)float
Consumer DemographyMIG Visits %income group wise % visits to the SMEderived from POITo help FMCG, CPG etc companies to understand the customers that can be targeted based on income group (product and service offerings)float
Consumer DemographyLIG Visits %income group wise % visits to the SMEderived from POITo help FMCG, CPG etc companies to understand the customers that can be targeted based on income group (product and service offerings)float
Consumer Demographyweekdays footfallAverage footfall experienced by SME on weekdaysMAID1 monthTo help financial institutions and others to bifurcate the merchants based on footfalls in premium and non premium.Integer/Float
Consumer Demographyweekend footfallAverage footfall experienced by SME on weekendMAID1 monthTo help financial institutions and others to bifurcate the merchants based on footfalls in premium and non premium.Integer/Float
Consumer Demographyfootfall growth_QuarterlyNet change in footfall observed by the SME over a duration of Yearly/ Quarterly/ Weekly.MAID1 monthTo estimate the spending activity level which will help Financial institutions and others understand the amount of business taking place at merchant levelCategorical / float
Consumer Demographyfootfall growth_MonthlyNet change in footfall observed by the SME over a duration of Yearly/ Quarterly/ Weekly.MAID1 monthTo estimate the spending activity level which will help Financial institutions and others understand the amount of business taking place at merchant levelCategorical / float
Consumer Demography0-18 YearsTotal number of people falling in the age group of 0-18 years in the selected locationgmapsTo help the financial institutions and others to target the SME based on the target audience presenceinteger
Consumer Demography18-25 YearsTotal number of people falling in the age group of 18-25 years in the selected locationgmaps
Consumer Demography25-35 YearsTotal number of people falling in the age group of 25-35 years in the selected locationgmaps
Consumer Demography35-45 YearsTotal number of people falling in the age group of 35- 45 years in the selected locationgmaps
Consumer Demography45-60 YearsTotal number of people falling in the age group of 45- 60 years in the selected locationgmaps
Consumer Demography60+Total number of people falling in the age group of 60 + years in the selected locationgmaps
Locationmarket presencecategorical value denoting the whether the location where SME is present is market areaderived from MAID and Govt SourcesTo understand the questions related to collections and estimate the revenue generating potential of the location.Categorical
Locationoffice presencecategorical value denoting the whether the location where SME is present is office areaderived from MAID and Govt SourcesTo understand the questions related to collections and estimate the revenue generating potential of the location.Categorical
LocationFinancial accessibilityTo check the amount of financial institution present in particular location ( Atm, Banks)Categorical / Integer
LocationSmartphone Penetration
LocationDistance from Major Transit pointDistance from Major Transport System (bus stops, bus stations, bus stands, airports, railways and metros)derived from MAID and Govt SourcesTo understand the questions related to collections and estimate the revenue generating potential of the location.float

SME data helps the clients to filter out opportunities to increase the length & breadth of their businesses, including opportunities to cross-sell & up-sell their products to specific merchants.