SPOTT SOLUTION: By working with non-competing global brands, such as Coca-Cola, Heineken, Mondelez and Reckitt Benckiser, Spott offers a single convenient mobile phone app for retailers to order product. We gathers the transaction revenue and data then develop risk analysis; make short term loans with backing of UOB bank/Visa; cross loyalty programmes; retailers increase sales; builds data lake for wider use. Live in Malaysia: 23,000 retailers.