Spaza shop fintech closes a gap in R40bn cash market

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Zande Africa uses a micro distribution model to allow spaza shops to take advantage of better pricing directly from manufacturers.

Local fintech company Zande Africa is offering an innovative financial and distribution platform to informal shops, known as spaza shops, a sector where 90% or more of transactions are in cash form.

“This makes it difficult for them to deal with FMCG companies who generally do not open lines of credit with smaller retailers that order in small quantities,” the fintech company said. Zande was founded by Siya Ntutela and Mdu Thabethe to help spaza shops access crucial finance in 2017. “The credit facility we offer assists owners to fill their stores and avoid stock-outs. Providing this working capital unlocks the trading and employment potential of thousands of individuals and businesses.”

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