Empowering MSME Business Owners

N-Frnds offers a comprehensive set of mobile business solutions to micro, small, and medium enterprises in emerging markets without mobile data connection. Our solution for MSME owners provides access to modern accounting and bookkeeping services including POS, loyalty programs, payment and salary distribution, and inventory management. The N-Frnds platform encourages the adoption of mobile money transactions, thus enabling a cashless economy.

Sample SaaS Services that can be incorporated in our MSME Sector Solution


Digital Financial Services and products

  • Loans – capital and productive
  • Saving wallet
  • Payment and settlement
  • Virtual POS
  • Digital Receipts/Invoicing
  • Payment reminders to customers


Increase agent and customer engagement

  • Outlet and distributor loyalty, points management
  • Query and interaction - e.g. outlet, distributor, FMCG company

Knowledge Management

Searchable Info
 users can access 
at any time

  • Product catalogue
  • Business Advice
  • Money Management Tips

Supply Chain & Distribution

Value chain process automation

  • Digital order process - direct into FMCG ERP process
  • Digitize outlet and distributor income/expenses sheet - basic accounting
  • Digital distribution
  • Track outlet estimated inventory

Analytics & BI

Value chain process automation

  • Real-time collection
  • Monitoring
  • Analysis & reporting
  • Business analytics

Content Management

  • Financial and business tips
  • Reminders (e.g. when to order, to pay)

Partner Services

Easily integrate
 3rd party services

  • Agent and customer loyalty
  • Agent empowerment
  • Gamification strategies
  • Interactive services
  • Digital forums
  • User visibility & incentives
  • Customer support - claim submission
Use case

Creating loyalty programs for MSMEs

N-Frnds has developed a micro-merchant loyalty program specifically adapted to the unique needs of emerging market MSMEs. This solution allows for:

  • Pre-defined loyalty programs: owners are able to easily select from tried and true practices
  • Merchant and customer tracking: access through any mobile device allows users to check their status, receive updates, and redeem points
  • Mobile money adoption: owners and customers are encouraged to integrate into an increasingly cashless economy

Learn about our other solutions