Earned Wage Access

• We provide employees initial credit on the back of their employment – allowing them to build a credit record and be financially included
• We assist employers in looking after the financial health and wellbeing of their staff and provide value-added services to align with that
• We provide employees both with wage streaming (access to current month's earned wages at affordable rates) and with long-term loans (access to future wages, allowing for productive use cases such as education and funding a family business)

SME Finance

Small and Medium Enterprises (“SMEs”) underpin Africa’s growth. We assist SMEs through different channels:

• Working capital loans
• Asset finance for the SME or their ultimate customers at the point of sale
• Buy-Now-Pay-Later solutions funding their clients to drive revenue growth

Transactional banking

• Our insurance product portfolio keeps growing through NiftyCover, with coverage options for life, commuter, funeral, medical, and more.
• Virtual cards, which create an open-loop retail ecosystem for our customers, will be launched in 2022.
• The Group will launch deposit-taking facilities in 2022 to create a new savings offering for our customers.

These products and services enhance the lives of our customers and create an ecosystem where people and organisations can get what they need.