Moses Gathecha

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fintech retail mobile payments piecemeal flexpay save now buy later merchant-embedded savings financial inclusion flexible payment options chama groups savings goals zero interest acquire essential goods purchase on installment payment via ussd online shopping app customer testimonials financial literacy budget-friendly savings electronic payments purchase services retailer partnerships reward systems digital financial platform installment payments customer experience savings management withdraw to mpesa save for rent school fees saving furniture purchases electronics financing home appliance purchases contract-free payments savings revolution financial empowerment accessible e-commerce personalized financial products debt-free purchasing community saving approach payment flexibility financial responsibility instant online registration 24/7 customer support checkout process goal-oriented saving merchants shop online financial sustainability purchase from reputable brands flexible contribution plans customer rewards program build financial habits streamlined payment processes finance technology information technology & services financial services internet