Our Complementary Investments

Our growing stable of brands includes our core products and complementary investments. The businesses that we have made complementary investments
in are seen below. Together with our core brands, these brands serve hundreds of thousands of customers across Sub-Saharan Africa.


Happy Pay is Africa’s leading Buy Now Pay Later platform financially empowering consumers with a zero-interest financial solution and simple payments. Offering technology that makes BNPL appealing and safe, Happy Pay grows merchants’ customer bases through influencer social distribution and by providing quick approval for interest-free shopping. Happy Pay also offsets its transaction impact and encourages conscious consumerism through its reforesting initiative called Happy World.

Debt Helper

Debt Helper offers personalised Debt Management services. Their team of experts find the best solution for their clients to get ahead of their debt by assessing their financial situation, renegotiating credit agreements and investigating reckless lending. Debt Helper focus on technology to drive their processes and their systems integrate with South Africa’s major credit providers to ensure fast and efficient solutions. With a wide range of Debt Management solutions available, Debt Helper help people get back in control of their finances!

Fractal Labs

This artificial intelligence business uses data to unlock insights for strategic development within organisations. Fractal Labs converts data into measurable and scalable financial and risk tools to enable businesses to run faster and more efficiently while reducing operational costs and overcoming regulatory, financial and fraud challenges.


This platforms controls the entire payroll process for businesses, relieving administrative efforts on the company. The tax-compliant product provides HR services, payroll solutions and allows for easy migration from older platforms. Employees will be able to use self-service functionalities to request leave and view their payslips.

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