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Anonymous Corporate Card Expense Automation B2B SaaS — FlowPay

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Background
- Employees spend 20 min per expense report; accountants process 100+ per month — resulting in ~1,000 hours and ₩80M in annual labor costs per company. As of 2025, only 3 card issuers support easy payment for anonymous corporate cards.
- Interviews with accountants confirmed the biggest pain point: triple repetitive work of 'collect receipts → manually write expense report → enter accounting voucher.'
- As a FINNECT Challenge (fintech hackathon) project, performed all roles — PM, frontend developer, and IR presenter — in a 3-person team. (Jun–Aug 2025)
Role
Results & Impact
- Won Encouragement Prize at FINNECT Challenge (5th of 102 teams) — rapid hypothesis validation through interviews and pivoting led to this outcome.
- Serving as PM, frontend developer, and IR presenter in a 3-person team, I experienced the full B2B SaaS planning cycle: problem definition → solution design → implementation → commercialization strategy.
Lessons Learned
- Initially set 'employee convenience' as the Pain Point, but interviews revealed the real Pain Point was 'accountants manually entering vouchers.' Re-defined the solution. Felt firsthand that hypotheses break in the field.
- Presenting both technical novelty (FIDO2, Flow ID) and a clear revenue model (enterprise subscription + transaction fees) together earned judges' trust. In B2B, 'business model realism' is a more powerful weapon than 'technology.'









