A viable business idea is a business which can be operated successfully and smoothly. 

Klever and HiQ have built together an appealing application for changing the way that we handle and pay bills – irrespective how the bills are received in the first place.

Secondly, technology choices and service architecture are built to be flexible and cost efficient for start-up, yet having capabilities for ensuring rapid growth and internationalization. Klever integrated with best-in-class providers of OCR services, payments and authentication to immediately get access to enterprise grade features and security. The Klever servers are hosted in the Azure cloud to allow rapid scaling up as the user amount grows.


Surviving in the competitive era

Klever service has maximum chances to survive for long. Invoicing is in middle of a structural change.

Invoicing infrastructure is fragmented and banking systems are outdated. Bills are received in multiple ways; by mail, e-mail, e-invoices. It becomes difficult for consumers  to keep track of all bills, remember to pay them on time and keep track of their personal finances. Finnish credit disturbances is on a steady rise and has increased to over 10 % of the adult population. Consumer payment difficulties create slow cash flow for companies.



Klever’s business idea is feasible. They can collect and manage the resources in an efficient and effective manner, and provide great value to their users by simplifying their payments.


User experience

User experience design is very vital when introducing a new way to get things done. Everything should be intuitive, effortless and visually impressive to get people to change their behaviour.

Klever is designed to the smoothest user experience in every detail on user interface, behaviours and visuals.