What's broken
6 critical issues found
1
No deduplication on PAN
UX: Same partner can be onboarded twice Risk: Duplicate IDs corrupt MIS, commissions paid twice Ops: Finance reconciles manually for hours 2
Only email uniqueness checked
UX: Email exists check is the lone guard Risk: Same entity onboards under different emails Ops: Cleanup is reactive, not preventive 3
Aadhaar mandatory for companies
UX: Wrong field for the entity type Risk: Companies fake Aadhaar to proceed Ops: Compliance rejects later 4
GST not mandatory
UX: Critical tax field optional Risk: Invoices issued without GSTIN — non-compliant Ops: Finance chases GST post-onboarding 5
PAN entered in Step 3, not Step 1
UX: Identity verified after data entry Risk: Step 1 company name ≠ Step 3 PAN holder Ops: Mismatches detected only at finance review 6
No step-level validation
UX: Errors surface at the very end Risk: Drop-off and rework Ops: CRMs re-enter data multiple times