The Business Operating System
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The Business Operating System

KARVAN

One platform to run, automate, and understand your entire business — built for Pakistani enterprises.

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02 — The Problem

Your business is one.
Your systems shouldn't be 20.

Pakistani SMEs often run sales, stock, payroll, and FBR compliance in separate tools — none of which share the same numbers.

Typical disconnected stack — siloed apps that rarely sync

Sales
POS
Inventory
Accounting
HR / Payroll
CRM
WhatsApp
Excel / Sheets
FBR Portal
E-commerce
×

Duplicate data

Customer, product, and price lists maintained in CRM, Excel, and POS — always out of sync.

×

Manual work

Re-typing sales into invoices, stock into sheets, payroll into accounting — every month.

×

No real visibility

Management can't trust margin, cash, or stock without calling three people and waiting.

Pakistan-specific: FBR e-invoicing, sales tax, and WHT rarely flow automatically from day-to-day sales and purchases.
03 — One Connected Platform

One business. One connected platform.

Every module shares the same customers, products, inventory, and ledger — not copies exported between apps.

KARVAN Core

Left arc (green) — one database, one security model, one source of truth.

Green arc = KARVAN Core Gold arc = Business Domains
Business Domains

Right arc (gold) — revenue, ops, finance, and HR flow into the same platform.

Revenue CRM Operations Finance HRMS Commerce FBR Analytics
Fragmented apps → One KARVAN platform  ·  One customer record  ·  One stock truth  ·  One general ledger
04 — Full Platform Leverage

Start with one module.
Transform into one platform.

Activate what you need today — on one database. Each module strengthens the whole when everything shares the same ledger.

Transformation journey — from fragmented tools through connected modules to a business ready to scale on KARVAN
1
Fragmented Excel, WhatsApp, siloed apps
2
First module Finance or Sales on KARVAN
3
Connected ops Sales + Inventory + Warehouse
4
Full platform Finance, FBR, payroll linked
5
Scale & fly Automation, analytics, AI
✓

One customer record

CRM, sales, support, and commerce — same profile, no re-typing.

✓

One stock truth

Warehouse, POS, and ecommerce share live inventory — no sheet exports.

✓

One general ledger

Sales, purchases, payroll, and tax post automatically — one financial story.

Modular to start. Unified to win.  ·  One module solves a problem — the full platform runs the business.

Pakistan: FBR e-invoicing only works when sales, inventory, and finance are the same system — not three exports.

05 — Platform Architecture

Built in layers.
Connected at the core.

Four architectural layers on one platform — same database, same security model, same workflow engine powering every module you activate.

01

Foundation

Shared core every module depends on

Master Data Security Documents Workflow Engine Notifications
02

Business Systems

Day-to-day operations your teams run on

Revenue CRM Operations Finance HRMS Commerce FBR
03

Intelligence

Turn connected data into decisions

Insights Analytics AI Predictions Pattern Watch
04

Automation

Actions, workflows, and integrations

QR / Scan Mobile Ops Action Engine Workflows Integrations
KARVAN Core — one database  ·  one RBAC & security model  ·  one workflow engine  ·  every layer reads and writes the same truth
Modules don't duplicate data — they share master records
Permissions apply everywhere — role-based from the core
Workflows span modules — not trapped in one app
06 — Module Ecosystem

Every hub linked.
Every record shared.

Eleven hubs on one platform — every record flows through shared Master Data.

Insights & AI

Revenue

CRM

Commerce & Support

Customer journey Lead → Quote → Order → Invoice → Payment

Operations

Master Data

Customers · Products · Stock · Employees — one source of truth for every hub

Scan & Automation

Platform & Security

Finance & Projects

HRMS

Shell & Tools

Golden path → Invoice posts to GL · Stock updates in real time · FBR-ready e-invoice

No duplicate entry · No reconciliation spreadsheets · Every hub reads the same live data

ERP Comparison · 01

One platform vs assembled stacks.

How leading ERP options compare on architecture and integration — the foundation everything else depends on.

Dimension KARVANBusiness OS Dynamics 365Business Central SAPB1 / S/4HANA ZohoOne + apps Excel + ToolsTypical SME
Single database & data model ●●●● Native ●●●○ Microsoft stack ●●●○ Enterprise ●●○○ App suite ●○○○ Silos
Modules share live records ●●●● Built-in ●●●○ Partner setup ●●●○ With consulting ●●○○ Sync gaps ●○○○ Manual
Order-to-cash on one spine ●●●● Golden path ●●●○ Standard flows ●●●○ Standard flows ●●○○ Partial ●○○○ Spreadsheets
Modern web UX ●●●● Current ●●●○ Modern Microsoft UI ●●○○ Legacy UX ●●●○ Consumer-grade ●○○○ Fragmented
Mobile operations ●●●● Native ●●●○ Power Platform ●●○○ Add-on ●●○○ Limited ●○○○ WhatsApp + Excel
AI & insights layer ●●●● Platform AI ●●●○ Copilot add-ons ●●○○ Joule / add-ons ●●○○ Zia limited ●○○○ None
Activate modules incrementally ●●●● License hubs ●●○○ Tiered licensing ●○○○ Suite bundles ●●●○ Per product ●●○○ Ad hoc
●●●● Strong ●●●○ Good ●●○○ Limited ●○○○ Weak

Ratings reflect typical SME deployment — not every enterprise edge case.

ERP Comparison · 02 — Cost

Per-user ERP math at 100+ users.

Dynamics 365 ~$80/user license only · SAP ~$280/user · @ Rs 280/USD · enterprise stacks cost more than the license line.

Monthly cost · starting at 100 users

Microsoft Dynamics 365 · ~$80 / user / mo

100 users · SaaS license
100 × $80 = $8,000 / mo
≈ Rs 2,240,000 / month
100 users · typical full IT stack*
~$110–140 / user effective (see below)
≈ Rs 3,080,000 – 3,920,000 / month
150 users · license only
150 × $80 = $12,000 / mo
≈ Rs 3,360,000 / month
200 users · license only
200 × $80 = $16,000 / mo
≈ Rs 4,480,000 / month
License fee is not the full picture. Enterprise ERP deployments usually add:
  • Microsoft partner implementation & customization
  • Azure hosting & infrastructure
  • Consultants, devs & internal IT staff
  • Power Platform, integrations & support retainers

SAP · ~$280 / user / mo

100 users
100 × $280 = $28,000 / mo
≈ Rs 7,840,000 / month
150 users
150 × $280 = $42,000 / mo
≈ Rs 11,760,000 / month
200 users
200 × $280 = $56,000 / mo
≈ Rs 15,680,000 / month

License line only — SAP implementations often add heavy consulting, infrastructure, and multi-year SI contracts on top.

Zoho One · ~$37 / user / mo

100 users
100 × $37 = $3,700 / mo
≈ Rs 1,036,000 / month
150 users
150 × $37 = $5,550 / mo
≈ Rs 1,554,000 / month
200 users
200 × $37 = $7,400 / mo
≈ Rs 2,072,000 / month

Strong for light CRM + finance — limited depth for multi-plant manufacturing ERP.

KARVAN — custom quote, not per-user. Flat modular pricing for your branches, modules, and team size — without the linear cost of every new login.

* Full-stack estimate amortizes Microsoft partner implementation, Azure hosting, support, and internal IT over monthly run-rate — illustrative only. Confirm with vendor quotes.

Market references for comparison — not a formal quote. Per-user licensing scales with every hire.

Why KARVAN

Built to adapt
to the business.

Not a bag of apps — a platform designed for how Pakistani companies actually grow.

◈

Modular licensing

Start with one hub. Add revenue, ops, or HR when the business is ready — same database from day one.

◈

One data layer

Every module reads the same customers, stock, and ledger. No overnight sync jobs or reconciliation.

◈

Configurable workflows

Approvals, automations, and scan actions shaped around your process — without rewriting the core.

◈

Automation native

Barcode, mobile ops, and action engine reduce repetitive work on the shop floor and in the office.

◈

Intelligence built-in

Dashboards, AI insight, and pattern watch on live data — not exported CSVs and manual reports.

◈

Scale without replatform

More branches, users, and modules on the same architecture — grow without a painful ERP migration.

Enterprise foundation

Powerful on the surface.
Controlled underneath.

Serious governance for every module — not an afterthought.

Role-based access
Audit & sessions
Workflow engine
Document control
Notifications
Master data governance
API & integrations
Multi-branch security

KARVAN is not just a polished front-end. It is a technology platform you can trust as you scale.

The KARVAN vision

From business software
to business intelligence.

Every transaction feeds a system that learns your business — and helps you run it better.

RunDaily ops
→
ConnectUnify data
→
AutomateRemove manual work
→
AnalyzeSee patterns
→
PredictForecast demand
→
OptimizeAI decisions

Your business. Your system.

Run it. Connect it. Automate it. Understand it.

The Business Operating System
karvanerp.com