Financial services

Capfin
Abacus
FoneYam
Plusb

15% of revenue

14% of operating profit

2 400 employees

FINANCIAL SERVICES

1.3 million new retail credit accounts

373 000 Capfin loans

> 1 million lives covered by funeral policies

> 2 million active FoneYam customers

13.5 million cellular handsets sold

Empowering everyday lives with accessible credit, lending, and insurance solutions

Pepkor’s financial services empower customers across southern Africa with flexible, accessible solutions tailored to meet everyday needs. Leveraging a broad retail network, diverse product range and deep customer focus, Pepkor provides credit, lending, insurance and connectivity options to enhance financial inclusion and support customers at every step.

Lending

Capfin provides unsecured loans through a hassle-free process, prioritising ethical and responsible lending practices for customer peace of mind.

Insurance

Abacus Insurance offers tailored and affordable insurance solutions with personalised support, ensuring protection is within reach across Pepkor’s retail network.

Connectivity

FoneYam offers an affordable smartphone rental option at selected PEP and Ackermans stores. FoneYam keeps customers connected with a small initial payment, flexible monthly terms, and built-in software to protect the device if lost or stolen.

Banking

Banking will extend the group’s retail platform into everyday financial services, providing customers with simple, accessible and low-cost financial solutions. Built on Pepkor’s scale, data and customer reach, it will deepen engagement by integrating credit, payments, savings and connectivity into a single ecosystem.