Offline lending vs online lending: pros and cons
Not to declare one better than the other, but offline and online lending have their benefits and drawbacks.
Preparing your income statement as a lender- management accounting 101
No one likes the boring routine of bookkeeping and punching in numbers; but management accounting is a highly important for your lending business.
Device finance in Nigeria: A case for BNPL
In an era where a smartphone is no longer a luxury but a fundamental tool for economic survival, Nigeria's "affordability gap" has never been wider. With inflation squeezing disposable income, the traditional model of outright cash purchases is being replaced by the rapid rise of Buy Now, Pay Later (BNPL). This shift isn't just about convenience; it’s a strategic response to currency volatility and a lack of traditional credit infrastructure. By leveraging alternative data and "pay-as-you-go" technology, BNPL providers are turning the dream of high-end tech ownership into a manageable monthly reality for millions of Nigerians, ultimately driving the nation's next wave of digital inclusion