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Industry and Competitive Context India's micro, small, and medium enterprise sector represents one of the largest aggregations of small commerce in the world. As of financial year 2020, the total number of MSMEs in India exceeded 63 million, with the country's approximately 12 million kirana stores alone accounting for an estimated 90 percent of the nation's fast-moving consumer goods sales. Despite this economic scale, the dominant system for managing business credit and rec