FinTech

FINANCIAL SERVICES & CONNECTIVITY

    A+
   Connect
   Capfin
   Abacus
   FoneYam

Omnichannel

Flash 
+more

15% of revenue

14% of operating profit

2 400 employees

FINANCIAL SERVICES

& CONNECTIVITY

1.2 million new retail credit accounts

320 000 Capfin loans

1 million active insurance policies

1 million FoneYam cellular rentals in Y1

11.5 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.

Retail credit

A+ and Connect offer affordable retail credit options across Pepkor’s southern African retail brands.

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.

Omnichannel

165 000 informal

market traders

R50 billion throughput

Making people’s lives easier

With strength in traditional retail and the bustling informal market, our ambition is to build equally robust digital channels to further deepen our understanding of customer needs.

Informal market

Flash leverages connectivity and smartphone access to extend reach beyond traditional retail, through a technology-driven B2B and B2C business focused on empowering informal market traders with smart technology solutions.
Flash provides affordable, safe access to virtual products like airtime, mobile data, prepaid electricity and more, supporting millions of transactions daily across Africa and Europe while expanding partnerships with global brands.

Loyalty

+more is a digital rewards platform designed to provide customers with exclusive savings, instant rewards and tailored offers across the group’s participating retail brands. Members benefit from deals on clothing, appliances, electronics and more, as well as chances to win weekly cash prizes. The programme is fully digital, allowing users to sign up via the app, website, WhatsApp or USSD, offering convenience and personalised rewards based on shopping habits​.