Pepkor Payments and Lending, is a division of Pepkor Trading (Pty) Ltd, that incorporates personal loans and store credit operations of Pepkor through two registered credit providers namely, Capfin and Tenacity Financial Services, a division of Pepkor. We have a diverse Executive team who is responsible for the strategic direction of Capfin and Tenacity, which have grown into successful businesses over the past 15 years. We work with amazing talent and saw an opportunity to create further value in combining our specialized skills and unlocking synergies to exponentially grow the two businesses. It made absolute business sense to create PPL as a shared central support structure that could deliver specialised and innovative payments and lending solutions to boost the business's operational efficiencies, productivity, and profits. This coming-of-age union also supports future growth in the payments and lending space, which will become apparent over time.