Lipa Later Group is a leading fintech platform that empowers consumers to Buy Now, Pay Later (BNPL) for essential products and services. Lipa Later started in Kenya in 2018 and is now operating in Kenya, Rwanda, Uganda, and Nigeria. One of Lipa Later’s main objectives is to empower African businesses to do more by enabling e-commerce, financial inclusion, and shopping all on one centralized and fully integrated platform. With the purpose of providing financial solutions to consumers by increasing their purchasing power and being an alternative payment option, Lipa Later has tapped into the rapidly growing online presence across Africa and has built a unique Buy Now Pay Later API that integrates into e-commerce platforms enabling merchants to sell products directly to consumers and consumers can pay for them in affordable monthly installments. Lipa Later is not only changing the consumer credit landscape across Africa, which to date has been largely inaccessible for most, but also catalyzing the future of shopping, e-commerce, and payments. Today Lipa Later serves hundreds of thousands of customers and retail businesses in Africa and owns Sky. Garden is an e-commerce platform built for African businesses. It is the leading third party instalment plan for retailers in East Africa currently operating in Kenya and Rwanda. Our product offering allows for both online and offline integration with retailers and both online and offline sales platforms for consumers.