Why an ex-banker builds spreadsheets

Years of assessing credit papers teach one thing: many small businesses don't fail on product. They fail because nobody sees the numbers — profit that is actually loss, stock that ties up cash, arrears nobody collects. A banker watches this every day, from the other side of the desk.

ArteyuLabs exists to put that discipline into tools people can afford: Excel systems costing tens of ringgit that do the work of systems costing thousands, financing documents written the way assessors read them, and — because this operator is also a parent — books and printables for Malaysian children.