Semart POS – Digitalizing PICO, NANO, and MICRO Entrepreneurs

SEMART empowers Malaysia’s most vulnerable micro-entrepreneurs—PICO and NANO businesses—to move beyond survival mode and build sustainable livelihoods. Designed for non-digital natives, SEMART combines a simple POS with built-in bookkeeping, financial literacy, and bite-sized learning, supported by trusted local Account Managers who provide hands-on guidance. Piloted in high-poverty states like Kedah, SEMART proves that tailored, human-centered digital solutions can transform overlooked micro businesses into confident, data-driven entrepreneurs—unlocking access to financing, grants, and inclusive growth.