HARNESSING IOT FOR SUPPLY CHAIN FINANCE AND WORKING CAPITAL OPTIMIZATION

The hard world of global supply lines now needs new, smart ways to handle money. This study looks at how real-time info from the Internet of Things (IoT) changes finance choices in supply chains and makes company cash use better. By showing all steps of goods' flow, IoT lets us take chances in real-time, makes paying easier, and betters how we keep stock. This mix helps in managing cash needs and dealing with sellers, moving from old fixed money plans to live, data-led money controls. Examples, like Pinduoduo's tech-driven farm platform, show how IoT info can act as new backing, making money access fair for less helped groups. Yet, the end of TradeLens shows tech skills are not enough; we need full team work and clear, fair value for all to truly accept this tech. Even as issues with mixing data, keeping it safe, and big-scale use stay, the main goal to use IoT for better cash cycles is key for ongoing good money results and leading the field.