The billion-rand spaza shop (township tuckshop) industry in South Africa is not a regulated sector. Most transactions at these shops are in cash, and not electronically tracked. This makes it difficult for spaza shops to be financially credited in South Africa.

But there are now fintech solutions such as Zande Africa offering financial and distribution platforms, operating out of warehouses, to assist these spaza shops in their townships, by delivering daily necessities to them.

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 In this image, Tedy Tizedo, the owner of Thandabantu, a tuckshop in Ermelo in the Mpumalanga province of South Africa, pays a local Zande Africa agent for delivering bread from its distribution warehouse.

 The fintech company provides cash and credit service offerings to all spaza shop owners and creates relationships with them for better pricing and service.