A TechBullion conversation with Dr. Srinidhi Vasan, Founder and CEO of Viche Financials, the fintech company behind the Finance Flow platform
Interviewer:
Dr. Vasan, what was the vision behind founding Viche Financials and creating the Finance Flow app?
Dr. Srinidhi Vasan:
The idea of Viche Financials came from working at the intersection of business finance, payment systems, and digital transformation. Over the years, I saw a widespread challenge: businesses today operate in complex financial environments with multiple accounts, disparate tools for payments and reconciliation, unstandardised reporting, and limited real-time visibility into cash flows. Traditional accounting systems are powerful for bookkeeping, but they are not designed for dynamic cash-flow decision-making.
Finance Flow was built to address this gap to be a central, intelligent layer of financial orchestration for businesses. It’s not just another accounting or payments app; it’s a system designed to integrate, monitor, analyse, and forecast financial flows in real time so business leaders can make data-driven decisions with confidence.
Interviewer:
What sets Finance Flow apart from existing financial management tools?
Dr. Srinidhi Vasan:
There are a few unique pillars that distinguish Finance Flow:
Integrated Finance Intelligence: Unlike standalone accounting or ERP systems, Finance Flow centralises receivables, payables, expenses, funding needs, and cash-flow patterns in a unified dashboard, giving leaders a single source of truth.
Predictive Decision Support: Many tools report what happened; Finance Flow uses analytics to forecast “what is likely to happen”, whether that’s a projected cash-flow gap next month, an actionable cost-optimisation signal, or opportunities to accelerate receivables.
Business-First UX: We designed Finance Flow with outputs business leaders actually use — simple visualisations, scenario-building tools, and alerts that highlight risks and opportunities.
Scalability Across Business Types: While some apps target small businesses alone, Finance Flow is architected to scale from SMBs to mid-market enterprises, adapting its analytics depth accordingly.
Essentially, Finance Flow blends real-time financial visibility, actionable intelligence, and usability in a way that helps businesses become proactive, not reactive, with their finances.
Interviewer:
The app link shows an intuitive interface. Can you walk us through the core modules of Finance Flow?
Dr. Srinidhi Vasan:
Absolutely. Finance Flow is organised into several core components:
Cash Flow Overview: A real-time visualisation of all inflows and outflows, not just balances but also behavioural trends.
Receivables & Payables Intelligence: A consolidated view of pending invoices and bills, with predictions on collection timelines.
Scenario Modelling: Users can simulate different business outcomes, for instance, forecasting the impact of delayed receivables or sudden expense increases.
Alerts & Recommendations: Rather than passive dashboards, Finance Flow pushes context-aware insights, e.g., “Your receivables are ageing faster this quarter; consider early-payment incentives.”
Funding Strategy Insights: A relatively new module designed to guide businesses on when and how to align with capital, especially important for companies looking at optimised growth.
Together, these modules create a financial command centre for businesses that need clear, forward-looking guidance.
Interviewer:
You mentioned predictive insights. How does Finance Flow generate forecasts and alerts?
Dr. Srinidhi Vasan:
We use a blend of time-series analysis, financial heuristics, and machine-assisted pattern recognition to build financial forecasts. Finance Flow ingests historical data on transactional cash flows, customer payment behaviours and expense patterns and applies analytic models to estimate future performance. What makes it different is that it doesn’t just generate a number; it contextualises that forecast.
For example, instead of stating “Cash flow will be low next quarter,” Finance Flow will say:
“The projected cash-flow shortfall in Q3 is primarily driven by slower receivables from Client X and increased payroll costs starting in July. Consider incentivising early payments or restructuring expense timing.”
These insights help businesses act, not just observe.
Interviewer:
Many businesses struggle with financing finding funds at the right time. Does Finance Flow help with this?
Dr. Srinidhi Vasan:
Yes and this is one of the aspects I’m particularly excited about. Finance Flow includes what we call the Business Funding Readiness Module. It evaluates a business’s financial health, cash-flow stability, and funding requirements and offers data-backed recommendations on appropriate funding strategies.
The module highlights:
Ideal timing for funding events
Types of financing suitable to the business profile (e.g., working capital lines, invoice financing, merchant cash advance)
Risk signals that might hinder favorable financing conditions
This helps companies present themselves more confidently to capital providers, reduce due-diligence friction, and align growth strategies with financial capacity.
Interviewer:
So Finance Flow isn’t just a reporting tool, but it actually shapes business strategy?
Dr. Srinidhi Vasan:
Exactly. Reporting is passive; strategy is active. Finance Flow is built to be in the strategy loop. When financial leaders make decisions about hiring, expansion, price changes, and cost restructuring, they should have an intelligence engine at their side. Finance Flow fills that role.
We’re moving from a world where financial tools are after-the-fact record keepers to a future where they become real-time insight partners.
Interviewer:
How do small and medium businesses benefit differently compared to larger enterprises?
Dr. Srinidhi Vasan:
SMBs often operate without dedicated finance teams and rely on intuition or spreadsheets. For them, Finance Flow brings institutional-grade insights into a digestible interface. It democratises strategic financial planning.
Mid-market enterprises, on the other hand, typically have complex finance stacks and multiple touchpoints. Finance Flow helps them synthesise complexity by integrating disparate systems, reconciling external data, and pinpointing actionable intelligence without overwhelming managers.
In both cases, the value lies in clarity and confidence in knowing what’s happening, why it’s happening, and what could happen next.
Interviewer:
Technology in finance is evolving rapidly, with AI and automation playing bigger roles. Where does Finance Flow sit in that evolution?
Dr. Srinidhi Vasan:
We see Finance Flow as part of the next generation of intelligent financial systems. We intentionally designed it to be:
Data-driven
Predictive rather than descriptive
Embedded with contextual intelligence rather than generic alerts
While automation can process tasks, intelligence helps businesses interpret and act. Finance Flow blends both: automation organises data, and intelligence translates it into decisions.
We’re also exploring AI-assisted scenario coaching, a feature where the app doesn’t just forecast outcomes but collaborates with the user to evaluate multiple strategic paths.
Interviewer:
How does Finance Flow support finance leaders operationally, not just strategically?
Dr. Srinidhi Vasan:
Operationally, Finance Flow streamlines workflows:
Anomaly detection: Flag unusual patterns early (e.g., receivable delays or rising supplier costs).
Reconciliation confidence: Align disparate accounts without manual effort.
Custom alerts: Not generic notifications but role-specific insights (e.g., CFO vs. operations lead).
Collaboration workspace: Finance Flow supports team annotations and strategy logs making it easier for teams to align on decisions.
So it’s not just a strategic compass but a daily operations support engine.
Interviewer:
You’ve linked financial intelligence to business growth. How do you measure success with Finance Flow?
Dr. Srinidhi Vasan:
There are three core metrics we use to evaluate impact:
Forecast Accuracy: The degree to which projected cash flows align with reality over time.
Decision Confidence: Measured by the speed and clarity of financial decisions made by leadership using the platform.
Operational Efficiency: Reduction in time spent on manual reconciliation, reporting, and follow-ups.
Ultimately, fintech isn’t about flashy interfaces; it’s about better outcomes. If a business can see around corners, mitigate risk faster, and optimise growth paths, that’s a success.
Interviewer:
Where do you see Viche Financials and Finance Flow in the coming years?
Dr. Srinidhi Vasan:
We aim to continue evolving Finance Flow into an AI-assisted financial intelligence layer that works seamlessly with existing systems and helps businesses of all sizes thrive in uncertainty.
We’re also focusing on interoperability ethics, ensuring data flows securely and with user consent, while maximising utility. Our long-term vision is for Finance Flow to become the financial brain behind smarter, resilient, and growth-orientated enterprises.
Interviewer:
Any final message for business leaders navigating finance complexity today?
Dr. Srinidhi Vasan:
Smart finance is not just about numbers; it’s about narrative and insight. Business leaders need tools that help translate financial reality into actionable strategy. Finance Flow is designed with that purpose: clarity, confidence, and foresight.
About the Interviewee
Dr. Srinidhi Vasan is the founder and CEO of Viche Financials, a fintech company focused on intelligent financial orchestration for businesses. His work blends deep research insights with practical fintech innovation to help companies make better, data-driven financial decisions.
