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 * Our platform
   
   * * * ONLINE SHOPPING
         
         CREDIT MODEL
         
         PAY LATER
         
         DIGITAL WALLET
         
         SHOP MANAGEMENT
 * About us
 * News
 * Contact us


MenuBack
 * Our platform
   
   * * * ONLINE SHOPPING
         
         CREDIT MODEL
         
         PAY LATER
         
         DIGITAL WALLET
         
         SHOP MANAGEMENT
 * About us
 * News
 * Contact us


WE MAKE PEOPLE CREDIT-READY

Digitising informal economies with AI-based credit scoring,
digital payments, and shopping solutions.


BUILDING CONNECTION BETWEEN TWO ENDS

We connect micro-retailers and consumers in leap markets and bridge the gap
between underserved communities and the opportunities of the formal financial
system.

 

Our platform offers seamless and accurate shopping experiences, both online and
in-store. We empower micro-retailers to expand their reach and leverage AI
technology to make both retailers and their customers credit-ready through
next-generation digital payments.

USER-FRIENDLY

With a preloaded stock, merchants can efficiently sell both online and
in-store, easily tracking supplies and reaching more customers.

CREDITWORTHINESS

Our platform builds credit scores, fostering financial growth and unlocking
opportunities for micro-retailers and individuals.

AFFORDABLE

Our digital solution is budget-friendly, costing little to nothing, ensuring
accessibility to valuable features without breaking the bank.


NEXT GENERATION
OF PAYMENTS

In regions where limited access to traditional banking infrastructure has long
been a barrier, the age of mobile phones has ushered in a new era of financial
accessibility.

 

Many who were previously locked out of the financial
system—unable to make cashless purchases, send money, save, or obtain loans—are
now accessing new financial opportunities.
The rise of next-generation digital payments by 20NINE
eliminates the need for bank cards and is dramatically changing the landscape.




OUR PLATFORM

ONLINE SHOPPING



CREDIT MODEL



PAY LATER



DIGITAL WALLET



SHOP MANAGEMENT




LEAP MARKET INSIGHTS

MILLIONS OF MICRO-RETAILERS

In emerging markets, a vast network of millions of micro-retailers forms the
backbone of local economies.

 

These small-scale businesses play a crucial role in meeting the daily needs of
communities.

70% MOM AND POP SHOPS

Mom-and-pop shops dominate the consumer landscape, accounting for over 70% of
consumption.

 

These local establishments serve as essential hubs for everyday goods and
services.

CREDIT HURDLES

Despite their significance, many micro-retailers face growth challenges due to
limited creditworthiness insights.

 

Traditional financial systems often struggle to assess and support these
businesses adequately.

UNTAPPED MARKET

The micro-retail sector represents a vast and untapped segment of the market.

 

Unlocking its potential requires innovative solutions to address the unique
challenges faced by these small businesses.

CASH DOMINANCE

Cash transactions continue to dominate the micro-retail landscape, posing
challenges for digital financial inclusion.

 

Transforming payment habits from cash-centric to digital is essential for market
advancement.

TECH-SAVVY YOUTH

Despite cash dominance, there is a notable demographic shift.

 

A growing population of young,
tech-savvy individuals presents an opportunity to introduce digital solutions
that align with changing preferences.

MOBILE PAYMENT HABITS

The younger demographic exhibits established mobile payment behavior.

 

Leveraging their familiarity with digital transactions can bridge the gap
between traditional and modern payment methods.

LIMITED CARD USAGE

Limited credit card usage remains a challenge, especially among micro-retailers
and the cash-centric consumer base.

 

Developing alternative credit solutions can facilitate broader financial access
and stimulate economic growth.

Millions of Micro-retailers

70% Mom and Pop shops

Credit Hurdles

Untapped Market

Cash Dominance

Tech-Savvy Youth

Mobile Payment Habits

Limited Card Usage


AI BASED CREDIT
SCORING

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Shop management
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