Overview
DigiKhata: Udhar Credit Book is a digital ledger for small businesses. Shopkeepers record what each customer owes and pays, see balances at a glance and send reminders.
3techy built the mobile app with a focus on speed and simplicity for users who are busy serving customers.
The challenge
Simpler than pen and paper.
A digital ledger only works if it's faster than the notebook it replaces.
Speed at the counter
Recording a transaction had to take seconds, with a customer waiting.
Trustworthy numbers
Balances and history had to be accurate and easy to verify.
Everyday users
The app had to be clear for users who are not used to business software.
Our approach
Designed around the shopkeeper.
We started from how credit books are actually used in shops.
- 01
Study the paper workflow
We translated the notebook's columns and habits into simple screens.
- 02
Keep it to a few taps
Every core action was designed to be reachable in a few taps.
- 03
Test and refine
We refined the flows based on real usage before release.
The solution
Your credit book, in your pocket.
A focused app that does a few things very well.
Customer ledger
Record credit given and payments received for every customer.
Clear balances
See who owes what, with full transaction history.
Business overview
Track your cash and stock books alongside customer credit.
Outcomes
What we delivered.
- Shopkeepers manage customer credit and payments on their phone instead of in a notebook.
- Balances are always up to date and easy to check.
- A live app on the App Store serving small businesses.



