Small Business Daily Settlement Dashboard

3.30

Derivation Chain

Step 1 Lack of small business DT tools

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Step 2 Inability to track daily revenue/expenses

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Step 3 Organizing card settlement dates, fees, and VAT prepayments on a daily basis

Problem

Restaurant and Cafe owners in their 50s don't know exactly 'how much they made today' after each business day. Card payments settle 2–3 days later, VAN provider fees vary, and delivery app settlement cycles all differ—so they give up trying to track it manually in spreadsheets. Until they hand their books to the tax accountant each month, they operate without knowing actual profits and recognize cash flow shortfalls too late.

Solution

Automatically parses card company and delivery app sales notification texts/emails to show 'yesterday's actual profit' on a single screen every morning. Core features: (1) Integrated daily settlement sheet covering card sales, delivery apps, and cash revenue, (2) Automatic net profit calculation after deducting fees, VAT prepayment, rent, and other fixed costs, (3) Weekly/monthly trend charts with cash shortage forecast alerts.

Target: Ages 45–60, Small Business Owners with $75K–$375K annual revenue (1–5억원) (Restaurants, Cafes, tutoring centers, retail shops), 0–3 employees, card + delivery app sales comprising 70%+ of total

Revenue Model: Daily settlement basic features free (last 7 days). Monthly Report + cash flow forecast + automated tax document preparation Monthly Subscription $7.50 (9,900원).

Ecosystem Role: Supplier

MVP Estimate: 2_weeks

NUMR-V Scores

N Novelty

2.0/5

U Urgency

5.0/5

M Market

4.0/5

R Realizability

3.0/5

V Validation

3.0/5

NUMR-V Scoring System

N Novelty	1-5	How uncommon the service is in market context.
U Urgency	1-5	How urgently users need this problem solved now.
M Market	1-5	Market size and growth potential from proxy indicators.
R Realizability	1-5	Buildability for a small team with realistic constraints.
V Validation	1-5	Validation signal quality from competition and demand data.

SaaS N=.15 U=.20 M=.15 R=.30 V=.20 Senior N=.25 U=.25 M=.05 R=.30 V=.15

Feasibility (62%)

Tech Complexity

24.0/40

Data Availability

18.3/25

MVP Timeline

20.0/20

API Bonus

0.0/15

Feasibility Breakdown

Tech Complexity	/ 40	Difficulty of core implementation stack.
Data Availability	/ 25	Practical availability and cost of required data.
MVP Timeline	/ 20	Expected time to ship a usable MVP.
API Bonus	/ 15	Bonus for viable public API leverage.

Market Validation (56/100)

Competition

8.0/20

Market Demand

6.2/20

Timing

14.0/20

Revenue Signals

10.5/15

Pick-Axe Fit

12.0/15

Solo Buildability

5.0/10

Validation Breakdown

Competition	/ 20	Signal quality from competitor landscape.
Market Demand	/ 20	Demand proxies from search and mention patterns.
Timing	/ 20	Fit with current shifts in tech, behavior, and regulation.
Revenue Signals	/ 15	Reference evidence for monetization viability.
Pick-Axe Fit	/ 15	How well the concept serves participants in a trend.
Solo Buildability	/ 10	Practicality for lean-team implementation.

Technical Requirements

Frontend [medium] Backend [medium] Data Pipeline [medium]

Dashboard