I once met a fren who opened a store, and her experience left a deep impression on me. An order was about to be completed, but suddenly the payment service provider froze her account—reason? A kind of inexplicable credit issue, without even a proper explanation.

This is the common problem of the traditional banking system: to them, small and micro business owners are nothing more than a pile of document codes, completely unable to see the real cash flow and operating conditions behind it. What is this outdated credit assessment system still using? PDF statements from months ago, outdated financial reports, plus a bunch of subjective assumptions.

The most ironic thing is that they completely overlook the most telling indicator of a company's health - real-time cash flow. They ignore the living data of how much money comes in and out of your account every day, how fast customers pay, and what the inventory turnover rate is. They insist on sticking to outdated rules from decades ago to strangle you.

After all, the risk control logic of traditional financial institutions should have been updated long ago.