Pepkor Payments and Lending

Pepkor Payments and Lending is the formal name for the Fintech segment of Pepkor Holdings Ltd, one of Southern Africa's largest retail groups. This division's mission is to enhance financial inclusion by providing accessible and affordable financial products to the group's retail customers. It leverages Pepkor's extensive retail footprint and trusted brand names (like PEP, Ackermans, and Incredible) to offer services. The segment operates primarily through its subsidiary Tenacity Financial Services and includes well-known consumer brands like Capfin for loans. Its core offerings encompass unsecured lending, payment processing services, and insurance products tailored to the needs of its mass-market customer base.