Operational Challenges

In Middle East, Africa & Pakistan’s mobile retail market, brands face significant challenges including:

This resulted in poor market visibility, inefficient operations, and reduced competitiveness for HMD

Techlogix Mobility | TMX-SD

The deployment of TMX-SD was a transformative step in re-engineering HMD’s retail operations in Pakistan. As a digital change management initiative, TMX-SD was designed to modernize the entire downstream mobile phone distribution ecosystem, replacing manual processes with data-driven automation and real-time monitoring.

Key Roles TMX-SD Played in Operational Change

End-to-End Digital Visibility

TMX-SD provided HMD with complete visibility across all layers of distribution – from primary and secondary sales to retail-level transactions. It enabled seamless tracking of devices using IMEI-level monitoring, ensuring every transaction was traceable.

Field Force Digitization

The platform digitized the daily activities of sales promoters and surveyors, enabling:

This led to higher promoter accountability and more efficient field operations.

Verified Retailer Base

Before TMX-SD, HMD’s retailer data was fragmented and often inaccurate. TMX-SD introduced a structured retailer survey and verification workflow, establishing:

This enabled precise segmentation and campaign targeting.

Real-Time Sales & Mobile Event Management

With the Promoter App and Retailer Portal, TMX-SD allowed HMD to:

This reduced fraud, ensured accurate data, and built trust with retailers.

Change in Decision-Making Culture

By providing real-time dashboards and analytics, TMX-SD empowered HMD’s sales and marketing teams to shift from gut-based decisions to data-informed strategy. With actionable KPIs such as:

The platform became a daily operational tool for managers and brand teams.

Foundational Pillar for Future Innovations

TMX-SD was not just a digital reporting tool—it became the core foundation for launching advanced features like BNPL, digital financing, loyalty rewards, and regional channel performance benchmarking.

It aligned all stakeholders — promoters, retailers, distributors, and brand management — under a single digital command center, setting a new operational standard in the mobile distribution landscape.

TMX-SD as the Solution

TMX-SD delivered a comprehensive and modular digital solution designed to streamline operations, enhance field productivity, and provide deep visibility into sales and retail activities. Tailored tools were introduced for surveyors, in-store promoters, and retailers—each addressing a unique operational challenge while contributing to an integrated ecosystem.

Champion App – Champion App for Surveyor

The Champion App was developed to digitize and professionalize the work of HMD’s field surveyors. Through this mobile app, surveyors could identify potential retail outlets, geo-tag them accurately, and create a detailed retailer profile including photographs, shop type, location attributes, and ownership information. This allowed HMD to build a verified, up-to-date database of active retailers across the country. The app made the onboarding process highly structured and auditable, ensuring that only legitimate and strategically relevant retailers entered the ecosystem.

Promoter App – User

The Promoter App empowered in-store sales promoters with the ability to digitally capture phone sales at the retail level, record real-time customer interactions, and validate each transaction using IMEI scans and customer identity information. It served as a dynamic touchpoint between HMD and its retail partners, enabling seamless communication of new offers, schemes, and sales targets. Promoters could also submit photographic proof of sale and generate instant eligibility for payments, thereby improving data accuracy, operational transparency, and promoter motivation through a reliable reward system.

Retailer Web Portal – Visibility for Sales / Tracking / Transactions / Order Management

The Retailer Web Portal acted as a self-service interface that gave retailers full visibility and control over their engagement with the HMD ecosystem. Retailers could track every sale logged against their outlet, view sales in real time, and access historical sales and transaction records. The portal also allowed retailers to stay informed about brand campaigns, review the performance of promoters assigned to them, and manage order requests or support queries. This closed the information gap between the brand and the last-mile retail channel, making operations more collaborative, efficient, and transparent.

The complete order tracking cycle for Field Agents

BNPL Feature

The integration of Buy Now, Pay Later (BNPL) capabilities within TMX-SD expanded the platform’s scope beyond retail digitization into embedded financing. This feature set enabled retailers and field agents to offer consumer financing on-the-spot, with end-to-end digital workflows for onboarding, credit screening, payment scheduling, and collections.

Digital Onboarding with KYC and Credit Profiling

The BNPL process begins with digital onboarding of customers using a mobile device. Agents or sellers can capture the end-user’s basic information and initiate KYC (Know Your Customer) using real-time integrations with NADRA and credit profiling services. This allows the system to evaluate a customer’s eligibility instantly, based on national ID verification, mobile number intelligence, and other risk scoring factors. The entire process is conducted paperlessly, with customer consent and validation built into the flow.

BNPL Plan Selection and Device Assignment

Once approved, customers can view and select from predefined payment plans tailored to their device choice and credit profile. These plans are flexible, with options for installment frequency and tenure. Upon selection, the chosen device is digitally tagged to the customer, linking the IMEI with the financing plan to ensure traceability and accountability across the BNPL lifecycle.

Consumer App for Self-Service and Payment Tracking

The onboarded customer is provided access to a dedicated Consumer App that acts as a personal dashboard for managing their BNPL journey. Through this app, the user can review their installment schedule, view outstanding amounts, check transaction history, and receive real-time updates on payment status. The app also supports mobile money integration, allowing customers to make payments directly via JazzCash, EasyPaisa, or other local wallets.

Multi-Factor Authentication and Device Locking

To ensure repayment discipline, the BNPL system includes robust security mechanisms such as Multi-Factor Authentication (MFA) and automated device locking. If a payment is missed or the customer defaults, the system can trigger a remote lock on the device, making it unusable until the issue is resolved. This adds a strong deterrent against non-payment and helps safeguard credit recovery.

Notification System for Reminders and Recovery

A built-in notification engine powers both in-app alerts and push notifications to keep users informed throughout the BNPL cycle. Customers receive proactive reminders for upcoming payments, confirmations upon successful transactions, and escalations if any installment is overdue. This consistent engagement improves repayment rates and customer satisfaction.

Centralized BNPL Control Panel (Back Office)

At the backend, administrators and brand managers have access to a BNPL Control Panel within TMX-SD, where they can monitor onboarding volumes, approve or reject credit applications, adjust plan configurations, and view repayment performance across territories. This centralized command center allows for data-driven governance and scaling of BNPL programs with full transparency.

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