Tag: Assiduus Global Inc

  • Cross-Border eCommerce: Real Challenges and How to Get It Right

    This article has been contributed by by Somdutta Singh, Founder and CEO, Assiduus Global

    When brands talk about going global, it often sounds like a badge of honor. A sign of scale. A signal to investors. A growth playbook coming to life. But behind the press releases and polished dashboards, the reality is much harder. International expansion is not a straight line. It is full of tangled wires: compliance issues, customs delays, payment failures, cart abandonment, and pricing decisions that feel like guesswork. The real challenges of cross-border eCommerce rarely make it to the headlines. But they shape everything that follows.

    The Hidden Frictions at the Border

    Start with the border itself. Most teams underestimate how much friction happens there. Not on paper, but at the port. When a shipment sits at customs longer than expected or when new rules mean your product needs relabeling – what’s on your roadmap and what’s actually moving in transit often become two very different stories. In a recent survey, 43 percent of businesses said customs delays were one of their biggest hurdles. Another 41 percent cited compliance issues, and an equal number pointed to rising delivery costs as a direct result of these frictions.

    These are not fringe issues. They sit at the center of your promise to customers. And when things go wrong, they rarely stay invisible. A shipping delay becomes a customer complaint. A misclassified product becomes a compliance fine. The cost of expansion often shows up in ways teams didn’t budget for, because they assumed geography was just a matter of shipping zones.

    Shifting Regulations Can Break Your Model

    But cross-border is not just a matter of distance. It is about navigating difference. Difference in regulations, infrastructure, expectations. And the rules that govern those differences are constantly moving.

    In May 2025, the U.S. changed how it treats packages from China and Hong Kong. Until then, shipments under 800 dollars could bypass duties. Not anymore. Now every parcel needs full customs entry, including duties, documentation, and delays.

    What was once a simple direct-to-consumer model built on low-ticket volume from Asian suppliers is now a maze of paperwork, fees, and slowdowns. For companies already operating on thin margins or short lead times, this kind of change can completely disrupt operations. And it questions the sustainability of the model itself. It is a reminder that in global eCommerce, the risks are not just operational. They are systemic. Every country has the power to change the rules on your business overnight. And even when the product gets through, the transaction might not.


    Cross-Border Payment Solutions: Empowering Global Trade
    Discover the importance of efficient and cost-effective cross-border payment solutions and understand how they facilitate global trade and commerce.


    Payments: The Silent Dealbreaker

    Consumer Expectation for Cross Border Payments
    Consumer Expectation for Cross Border Payments

    Cross-border payments sound simple until you realize what consumers expect. It is not just about offering a few international cards. In a 2025 study, 99 percent of global shoppers said they expect to see their preferred local method at checkout. Think about that. Nearly every shopper expects checkout to feel local. No guesswork. No new systems. Just the method they trust.

    And those preferences are not interchangeable. They are local, cultural, habitual. In the Netherlands, it is iDEAL. In Germany, Klarna. In Southeast Asia, it is often a mix of e-wallets. A single payment option is inconvenient. It is enough to lose the sale entirely. That loss doesn’t show up as a complaint. It shows up as a cart left behind. A customer who never returns. A spike in drop-off rates that your team can’t quite explain. And fixing that is not just a matter of toggling payment options. It means negotiating with multiple providers, updating checkout logic, staying compliant with regional financial laws, and dealing with a whole new set of settlement timelines.

    Why Platform Strategy and Logistics Make or Break Scale

    So brands adapt. They add layers. More gateways. Localized flows. More “ifs” in the codebase. But complexity scales quickly. Maintaining multiple checkout stacks, syncing prices with currency changes, managing tax calculation. These are not just engineering problems. They are business risks. Delays in localization cost time. Mistakes cost trust. This is why platform strategy becomes make or break. It is tempting to replicate your domestic storefront in every market. Copy, paste, translate. But replication is brittle. It cracks under nuance. What works for one region, like design, flow, tone, or CTA placement, can fail entirely in another. The structure needs to flex without falling apart.

    That is why a growing number of retailers are shifting to composable commerce, where infrastructure is built like blocks and each region can plug into what it needs. In the U.S., 72 percent of retailers had already adopted this model by early 2023, with another 21 percent planning to do so within a year.

    This is not just to adopt the latest tech but to introduce flexibility for themselves. Because scaling globally does not mean doing more of the same. It means adapting quickly without tearing everything down every time a new market opens up. And beneath all this, beneath the platforms and payments and policy, is the backbone most teams ignore at first: logistics.

    The market for cross-border eCommerce logistics is already massive, estimated at 103.8 billion dollars in 2024. It is expected to nearly double to 192.7 billion dollars by 2030. That growth does not just reflect opportunity. It reflects complexity. Complexity in inventory positioning, in returns, in last-mile handoffs across countries with different infrastructures.

    And logistics is where it all lands. If the front-end experience is what customers remember, the backend is what they feel. A return request that goes unanswered. A customs hold no one explains. A charge that catches them off guard. These small cracks erode trust faster than flashy discounts can rebuild.

    In cross-border commerce, the margin of error is smaller. Expectations are higher. And the room for forgiveness is often nonexistent. And yet, for those who embrace the friction, cross-border becomes a powerful advantage. Not because it is easy. But because it forces better systems. It forces teams to think modularly, invest intentionally, and serve more empathetically. It priortizes the question, “how well can we scale”, over “how fast can we grow.”

    Because global reach means nothing without local relevance. And local relevance does not come from translation. It comes from understanding. From rethinking checkout flows, service models, fulfillment routes, and price sensitivity based on region. That work is not glamorous. It rarely fits into a launch campaign. But it is the work that separates flash-in-the-pan growth from long-term cross-border resilience. The truth is, going global is not about a milestone. It is about a mindset. A way of building that centers on flexibility, precision, and respect for the markets you enter. And for brands ready to do that work, the opportunity is still enormous. You just have to know where the friction hides.


    How to Do International Business – Rules, Reflation, and Benefits
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  • How to Implement Financial Controls in a Growing Startup: Tools, Processes & Frameworks That Work

    This article has been contributed by Hardik Jaisingh, Director, Chief of Staff, Assiduus Global.

    Why Financial Controls Matter Early

    When you’re building a startup, most of your attention naturally goes into the front-facing work like sales, product, hiring, and marketing. Financial systems tend to stay in the background until something breaks. But for startups to scale responsibly, setting up basic financial controls early can prevent costly mistakes and free up time for actual growth.

    You don’t need to build a full-fledged finance department from day one. What you do need is a few well-placed controls that bring visibility, accountability, and rhythm to how money moves in the business.

    Five Financial Priorities Every Startup Should Watch

    Startups, by default, are fast-paced. Teams are often focused on product, growth, and customer delivery. In that momentum, some of the operational tasks like submitting reimbursements or reviewing monthly spends can get delayed or deprioritised. These are natural growing pains, not red flags.

    Instead of reacting to issues when they occur, it’s helpful to proactively ask: Where are we most likely to lose visibility? For many early-stage companies, that includes:

    1. Unstructured reimbursement processes
    2. Informal vendor onboarding and payments
    3. Lack of real-time view into cash flow
    4. No thresholds for who can approve what
    5. Delayed monthly expense reviews

    Mapping these out helps teams build a financial foundation that doesn’t slow them down.

    Choosing the Right Tools for Control

    Once risk zones are mapped, the next step is to bring in the right tools that offer visibility and control. Startups don’t need an ERP to start with. Tools like Zoho Books, Tally or QuickBooks can support basic accounting, payouts, and approvals.

    When choosing tools, focus on four things:

    1. Does it integrate easily with your bank and payroll platform?
    2. Can you set user-level permissions and approval workflows?
    3. Is there an audit trail for each transaction?
    4. Can it scale to handle more complexity over time?

    The goal is to avoid manual reconciliations and ensure that every expense is traceable: who spent it, who approved it, and whether it was within budget.

    Defining Roles and Segregating Duties

    Even in small teams, roles must be clearly defined to avoid control gaps. The person initiating a transaction shouldn’t be the one approving it. And the one reconciling accounts shouldn’t be the same person handling payments.

    In a lean setup, simple mechanisms like dual approval for spends above a certain amount or maintaining an email trail of approvals can help. If using a digital tool, configure maker-checker rules. The objective isn’t to add bureaucracy, but to build guardrails that prevent duplication or errors.

    Embedding Controls in Daily Operations

    Financial controls only work when they’re part of the daily workflow. For example:

    • Vendor payments should only be processed against an approved purchase order.
    • Reimbursements should follow a monthly cut-off and require bills.
    • Payroll should be calculated through integrated tools that sync with attendance systems, with exceptions reviewed before disbursal.

    These aren’t complicated policies, but they’re habits that encourage consistency. The tighter the loop between spend and review, the easier it is to stay on top of cash flows.

    Building for Scale with The PACE Framework

    As the business grows, controls must evolve. A helpful framework many teams adopt is PACE:

    • Policies: Document your key financial processes and dos/don’ts
    • Approvals: Define thresholds and responsibilities for each spend category
    • Checks: Use automation to flag duplicates, anomalies, or out-of-policy spends
    • Evolution: Review and adapt every 6-12 months as transaction volumes grow

    Routine internal reviews (quarterly or biannually) can help surface process inefficiencies and pre-empt audit risks. Over time, this creates a culture where financial hygiene is baked into scale.

    Reporting as a Decision-Making Engine

    Accurate, timely reporting helps founders make sharper decisions. Start with a simple monthly MIS that includes:

    • Cash in the bank
    • Outstanding receivables
    • Burn rate vs forecast
    • Department-wise spend

    The format doesn’t need to be fancy. What matters is that the data is reviewed consistently and acted upon. This practice helps course-correct before problems escalate.

    For early-stage teams, even a shared Google Sheet with version control can serve as the foundation. As complexity grows, reporting tools or dashboards can be layered on.

    Staying Ahead of Compliance

    Founders should ensure that someone (an external CA, internal resource, or part-time CFO) tracks statutory requirements across the board. A simple checklist or tool like ClearTax or IndiaFilings can help automate reminders. Even if you’re not venture-funded yet, building compliance discipline early saves time during diligence and helps with long-term planning.

    Linking Finance to Day-to-Day Ops

    Finance controls are most effective when they’re cross-functional. For example, syncing HR data (like attendance or bonuses) with payroll systems reduces manual adjustments. Aligning procurement with budgets ensures no surprises in month-end closes.

    Startups can establish basic coordination rhythms like weekly expense reviews, monthly budget reconciliations, or automated alerts for threshold breaches. These make financial controls part of the way teams work, not a separate burden.

    Scenario Planning for Better Visibility

    Cash runway is a founder’s lifeline. Scenario planning helps you understand how much room you actually have. At a minimum, prepare projections for three cases:

    • Best case: Revenue exceeds plan
    • Expected: Assumptions hold
    • Worst case: Collections are delayed, burn rises

    Update these monthly or quarterly, especially if you’re fundraising, expanding, or hiring. Even a simple projection can help you delay a hire or accelerate a vendor negotiation with clarity.

    Training for Finance Hygiene

    Everyone on the team, not just finance, should understand the basics of how money moves. Make finance hygiene a part of onboarding. Share guidelines for:

    • What requires approval (and how to get it)
    • What documents are mandatory
    • Timelines for reimbursement, reporting, and reviews

    This reduces back-and-forth, improves first-time accuracy, and builds collective ownership over company spend.

    Some companies even do quarterly “finance 101” refreshers with functional heads to align expectations and highlight policy changes.

    Controls Create Confidence

    Well-designed financial controls aren’t about micromanagement. They’re about trust, predictability, and decision-making clarity. When everyone knows how spending works, teams can move faster, not slower.

    Startups don’t need to get everything right from day one. Start with one process, maybe vendor payments or payroll, and build from there. The key is to keep evolving as you grow.

    The earlier you build discipline into your finance function, the easier it becomes to scale without surprises. Because in high-growth environments, clarity compounds.


    8 Effective Tools to Help You Manage Your Finances
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  • How to Source Products and Manage Inventory for an E-commerce Business?

    This article has been contributed by Dr. Somdutta Singh, Founder & CEO Assiduus Global Inc, LP Angel Investor, Author and Ex-Member Niti Aayog.

    • E-commerce sales are expected to surpass $8.1 trillion by 2026.
    • 95% of all shopping will be done online by 2040.
    • 205 million people worldwide turn to online shopping daily.
    • 95% of global purchases are expected to be through E-commerce businesses by 2040.

    Why do you think I started writing an article with staggering numbers? Perspective. To give you a viewpoint of how monumental the E-commerce landscape is.

    As cliche as it sounds, the online shopping landscape is booming, offering businesses and individuals the exciting opportunity to connect with a global audience from the comfort of their living rooms.

    But, with great opportunities come challenges. And that’s what I am here to talk about.

    The Current State of E-commerce
    How To Find The Right Supplier?
    Inventory Management
    How to Balance Supply and Demand?

    The Current State of E-commerce

    The global E-commerce market boasts a current valuation of USD 6.9 trillion, representing nearly 20% of all sales worldwide. Projected 10% growth by the end of 2024 also underscores its vast potential.

    Adaptability to shifting trends and consumer behavior will be key for businesses looking to succeed in the evolving E-commerce landscape.

    The need for E-commerce in today’s landscape is more apparent than ever.

    How To Find The Right Supplier?

    Finding suppliers may not seem very hard when everything is online. However, every supplier might not be the right choice for you.

    Understanding Different Sourcing Methods

    When it comes to sourcing products for your store, there are a few different methods to consider. Understanding the options, you have will make it easier for you to find suppliers in the long run. Here are the common methods for sourcing products:

    • Wholesalers: Wholesalers allow you to purchase products in bulk at discounted prices to resell with a markup. Finding wholesalers might not be too difficult. You can use online directories (eg. Flipkart Wholesale or IndiaMart) or attend industry trade shows. However, in such a case, the wholesaler will ship to you and you are responsible for distributing the products to your customers. This is great for general goods, such as groceries, or as an intermediate step for finding raw materials for handmade or DIY products in your store. Making use of wholesalers would also require you to have a warehouse.
    • Dropshipping: Dropshipping has become extremely popular in recent years and is an alternative to wholesale distributors. In this method, the business owner partners with suppliers who handle inventory and ship directly to your customers. Compared to the wholesale models, you don’t have to worry too much about inventory management and have much lower upfront costs.
    • Manufacturers: It is also possible to bypass distributors completely and work directly with manufacturers to create or source your products. This allows for customization and potentially lower costs. However, this method may require larger order quantities.

    Beginners guide: How to Start Dropshipping Business in India
    how to start a dropshipping business in india. this article will help you to how to start your own ecommerce dropshipping business india


    Evaluating Potential Suppliers 

    Once you’ve understood the different sourcing methods you have, you are still left with evaluating the right suppliers. Consider the following when evaluating suppliers:

    • Perform quality checks: Request product samples, read online reviews, and research their reputation to ensure product quality aligns with your standards.
    • Reliability and communication: Seek suppliers with quick response times, consistent pricing, clear communication, and efficient order processing.
    • Pricing and payment terms: Understand all costs involved, including shipping and possible import fees. Negotiate favorable payment terms.
    • Location: Consider the supplier’s location, as it impacts shipping costs, lead times, and ease of communication.

    Inventory Management

    Effective inventory management is a crucial pillar for not only maintaining a sustainable business but also ensures scalability down the line. There are different strategies when it comes to inventory management as well.

    • ABC analysis: In this technique, products are categorized into three groups (or class) based on their annual value demand. In this division, high-value or high-demand products are categorized as A, medium-value products are categorized as B, and low-value products are categorized as C. This type of division helps allocate resources more effectively, allowing tighter control of the inventory depending on product demand.
    • Just in time (JIT) inventory management: JIT inventory management is a method that is ideal for businesses that don’t require a huge inventory, and where demand is predictable and consistent. In this type of inventory management, the owner stocks the inventory as and when needed, depending on the number of orders. This type of inventory management can minimize storage costs and works well with reliable suppliers and predictable sales patterns.
    • First in, first out (FIFO) method: If you’re selling goods that have an expiration date, or are perishable or seasonal items, then consider this method. In this, the older stock is sold first to prevent products from expiring or becoming obsolete.
    • Safety stock: A very popular inventory management method is to maintain a buffer inventory level, aka a safety stock, to handle unexpected demand surges or delays in shipments. It is commonly used to plan for unexpected risks and maintain a steady output.

    How to Balance Supply and Demand?

    Finding suppliers and effective inventory management is only one part of running a business. Without balancing supply and demand, businesses risk either running out of stock, leading to missed sales opportunities and dissatisfied customers, or being stuck with excess inventory, tying up valuable capital and increasing storage costs.

    Balancing supply and demand is essential for maintaining a healthy cash flow, optimizing inventory turnover, and ensuring customer satisfaction.

    • Accurate demand forecasting: Make full use of data to accurately forecast product demands. Analyze past sales data to identify trends, seasonality, and patterns in customer behavior. This helps predict future demand fluctuations and anticipate peaks and troughs in sales. It also helps if you can adapt to changes in market dynamics and anticipate shifts in customer demand. To do that, you need to stay informed about industry trends, emerging products, and competitor activity.
    • Maintaining optimal inventory levels: Maintaining optimal inventory levels involves several key strategies. Firstly, setting reorder points is crucial. Establish a minimum stock level at which you need to reorder to avoid stockouts. It’s also important to factor in lead times to ensure timely replenishment. Secondly, monitoring stock levels regularly, either manually or using inventory management software, helps you stay aware of inventory levels and make informed decisions. Lastly, and I cannot stress this enough, make full use of data. Using data-driven approaches for order quantities, based on historical sales data, forecasting models, and current demand trends, you can avoid overstocking and maximize profitability by ordering just the right amount.

    Concluding Thoughts

    Effectively overseeing an E-commerce business demands a strategic mindset and a commitment to continual learning and adjustment. It’s crucial to consistently evaluate and improve your strategies to keep your E-commerce venture competitive and responsive to customer needs in the dynamic online market.


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