Tag: Digital Transformation

IMS Software Powers Global IME Bank’s 0% EMI Facility at Bhat-Bhateni

Posted on by Aakriti Sapkota

Shopping just became more flexible for Global IME Bank credit cardholders.

IMS Software has successfully integrated Global IME Bank’s paperless 0% EMI facility into the billing system at Bhat-Bhateni Supermarket & Department Store, making it easier for eligible customers to convert purchases into convenient monthly installments directly at the checkout counter.

Customers making purchases of NPR 15,000 or more can now choose repayment periods of 3, 6, 9, 12, or 18 months with 0% interest and no processing fee. The entire EMI process is completed during billing, without additional paperwork, separate applications, or lengthy approval procedures.

A Seamless Checkout Experience

The integration is powered by IMS ERP, which connects Bhat-Bhateni and Global IME Bank in real time. Once an eligible purchase is made, the EMI option becomes available instantly at the POS, allowing customers to complete their purchase quickly and conveniently.

By automating the process within the existing billing system, retailers can offer a smoother customer experience without disrupting day-to-day operations.

Driving Smarter Retail Through Technology

This collaboration demonstrates how technology can simplify financial services while enhancing the retail experience. By bringing banking and retail together on a single platform, IMS Software continues to help businesses adopt innovative digital solutions that improve customer convenience and operational efficiency.

As digital payments continue to evolve in Nepal, IMS Software remains committed to building practical technology that supports businesses, financial institutions, and consumers alike.

IMS Software and Kumari Bank Launch Nepal’s First ERP-Integrated Collateral Free Digital Lending Platform

Posted on by Aakriti Sapkota

Access to business financing has always been one of the biggest challenges for small and medium-sized businesses in Nepal. Traditional loan processes often involve collateral, extensive paperwork, multiple bank visits, and long approval timelines, making it difficult for businesses to access funds when they need them most.

To address this challenge, IMS Software Pvt. Ltd., as the Technical Service Provider (TSP), has partnered with Kumari Bank Limited to launch IMS Digital Lending – Nepal’s first ERP-integrated digital lending platform.

The solution enables eligible IMS ERP users to apply for collateral-free business loans directly from their ERP dashboard. By using business data such as sales transactions, inventory, purchases, and receivables, the platform helps evaluate loan eligibility based on bank-defined criteria, making the lending process faster, simpler, and more transparent.

A Smarter Way to Access Business Financing

Instead of visiting bank branches, filling out multiple forms, and waiting weeks for approval, businesses can check their eligibility, submit loan applications, upload required documents, and track their application status directly through the IMS platform.

The platform has already completed a successful pilot with one of IMS Software’s business clients banking with Kumari Bank. During the pilot, a real digital business loan was successfully disbursed using actual business performance data, demonstrating the practical application of data-driven lending in Nepal.

Supporting Financial Inclusion Through Technology

With more than 900,000 SMEs operating across Nepal, many businesses still struggle to access formal financing due to collateral requirements and complex lending procedures. IMS Digital Lending aims to bridge this gap by bringing banking services closer to businesses through the ERP system they already use every day.

The collaboration between IMS Software and Kumari Bank represents a significant step towards digital financial services, supporting entrepreneurship, business expansion, and financial inclusion through technology.

As Nepal continues to embrace digital transformation, IMS Digital Lending sets a new benchmark by connecting business operations with business financing helping businesses grow with greater confidence and convenience.