ZOOD (ZOOD Pay | ZOOD Mall)

ZOOD Tech Brings Over 100 Top IT Developers to Transform Uzbekistan’s Fintech Future     To address Uzbekistan’s growing demand for advanced fintech solutions, ZOOD Tech will, starting January 1st, provide a team of 100 senior IT developers and product managers to support the growth and innovation efforts of local startups, banks, and financial institutions.   The team's expertise spans across key areas of digital finance, including lending platforms, e-commerce lending , risk and fraud management, and payment infrastructure.    Already the technology provider for ZOOD Mall and ZOOD Pay, as well as a partner of Mastercard as their official "BNPL in a box" technology provider in EEMEA, ZOOD Tech is committed to delivering the infrastructure, IT team, and expertise necessary to support Uzbekistan’s digital financial transformation.     Operating under an IT outsourcing model, ZOOD Tech will enable Uzbekistan businesses to access top-tier IT talent and solutions, ensuring scalability and efficiency in their digital initiatives.    About ZOOD Tech : ZOOD Tech is a BNPL-as-a-Service hub of Mastercard delivering cloud-native, end-to-end BNPL solutions for financial institutions, retailers, and processors. Its platform streamlines lending — from onboarding and credit scoring to loan management and compliance — enabling businesses to launch flexible, white-labeled installment offerings both online and in-store with speed and scale.]    More information: [email protected] - www.zood.biz/tech #zood #zoodtech #uzbekistan #saas #lending #marketplace #logistic #itoutsource #bnpl

There is so much to explore in #fintech, with this episode we explored consumer lending and #BNPL landscape in #Pakistan. It’s one of the opportunities even Nadeem Hussain highlighted as one of the low hanging fruit in this market. To understand this better, I spoke to: Arif Lakhani who is the first person that I think of when it comes to this space. He has been doing this long before Qist Bazaar and truly understands how the market has evolved. Naureen Hyat has been working in this sector for almost a decade. She did nano lending with Tez Financial Services, which was acquired by ZOOD (ZOOD Pay | ZOOD Mall), and now she runs its operations in Pakistan. Muddassir Niazi is the head of consumer finance at HBL. I’ve always found him insightful. It is essential to see how the banks look at this to better understand the opportunity. We spoke about credit scoring, defaults, credit cards, data, how banks can work better with fintechs. Link to the full episode in the comments.

Leading fintech innovation through ZOOD (ZOOD Pay | ZOOD Mall)—Naureen Hyat is an inspiration for Pakistan's startup ecosystem. Ready to connect with the best? Catch her at +92Disrupt! Flash sale: 30% off tickets until Saturday, Nov 23rd. Get your pass now at 92Disrupt.com. #92Disrupt #Plus92Disrupt #KatalystLabs #WomenInTech #FintechPakistan #StartupGrowth #EntrepreneurJourney #InnovationLeadership | Jehan Ara

Central Asia is gaining clout. Especially for logistics startups. Think about it: the flow of goods from China to Europe is massive. But that corridor is sanctioned to the south (Iran) and more recently to the north (Russia). What this means is that more goods are likely to transit via Central Asia. Startups such as CARGON, from Georgia, are tapping that market by digitizing the region's freight-forwarding processes. Logistics is just one area of potential though. The countries making up the region are rapidly digitizing overall. People's purchasing power is increasing. Startups & (few) investors are capitalizing on it. -> Kaspi.kz proved one could scale a publicly-listed tech company from Kazakhstan. -> ZOOD (ZOOD Pay | ZOOD Mall) is rolling out an entire digital lending ecosystem for the region's bank-underserved population. -> PAYZE (YC S21) is building Stripe for the region, growing its online GDP. -> Sturgeon Capital is betting on tech startups in the region, believing that if they fund category winners in virgin digital verticals, they'll hit home runs. -> Local VCs, such as Uzbekistan's AloqaVentures are popping up. -- I write the Realistic Optimist, a paid publication covering the globalized startup scene. It costs €300/year. The Realistic Optimist has interviewed Robin Butler CFA from Sturgeon, Laurent Sciboz from Zood, Gega Tsurtsumia from Payze and Niko Turabelidze from Cargon. If you want to dive deeper into Central Asia's startup scene (among other things), maybe it's worth giving the Realistic Optimist a try. Read it here: https://lnkd.in/d4p9N_wB

We are proud to announce a strategic alliance between Mastercard and ZOOD (ZOOD Pay | ZOOD Mall) to accelerate the expansion of ZOOD Tech—our BNPL-as-a-Service platform—across Europe, the Middle East, and Africa! This strategic collaboration leverages Mastercard’s extensive reach and ZOOD’s deep fintech expertise, empowering financial and non-financial institutions to launch #BNPL solutions tailored for today’s fast-evolving markets. ZOOD Tech offers a comprehensive suite of tools, from digital onboarding and real-time credit scoring to complete loan management and BNPL card issuance—designed for flexibility with white-label and SDK options. Together, we’re making it easier for institutions to offer seamless, innovative payment options that meet growing demand. This partnership represents a pivotal move toward transforming the future of lending and payment services across EEMEA, paving the way for accessible, scalable, and innovative financial solutions. #FinTech #BNPL #Innovation #Mastercard #ZOOD #FinancialServices #EEMEA

This panel discussion centers around the unique challenges faced by female entrepreneurs in Pakistan's start-up ecosystem, from access to funding to societal barriers, and how both public and private sector initiatives can support their growth. The panellists will share insights on the opportunities for women-led start-ups, the importance of creating inclusive environments, and what improvements are needed from government, investors, and industry to bridge the gender gap in entrepreneurship. All this and much more at #startupsecp2024 Leila Serhan Naureen Hyat Sara Saeed Vladimira Briestenska Sumera Abbasi Visa ZOOD (ZOOD Pay | ZOOD Mall) Sehat Kahani Neem TiE Islamabad

Introducing Naureen Hyat, a serial entrepreneur and digital lending specialist with over 13 years of experience in digital finance, risk management, and microfinance. As the founder of Tez Financial Services—Pakistan’s first fintech to secure an NBFC license—and CheckIn Solutions, she has revolutionized consumer lending for unbanked and underbanked communities. After Tez’s acquisition by ZOOD (ZOOD Pay | ZOOD Mall) in 2022, she now leads their Pakistan operations as CEO, overseeing local and global projects. Naureen has also shaped the financial inclusion landscape by serving on various boards, working with regulators, and contributing to women’s empowerment initiatives. Recognized globally, her work has been featured in Forbes, Reuters, and the Women in Fintech Powerlist. We are excited to have her share her insights as a speaker at +92Disrupt! Secure your tickets now at 92disrupt.com or in the link in our bio to hear from Naureen in person! #Plus92Disrupt #KatalystLabs #StartupConference #Startups #Pakistan #ZoodPakistan #Zood #WomeninTech #Fintech #DigitalLending #92Disrupt | Jehan Ara

ZOOD Card Now Available to All Pakistanis, Offering Installment Payments at hundreds of Online Stores   The wait is finally over! We are pleased to announce that ZOOD Card is now available to consumers across Pakistan, following a successful pilot with our limited user base. Powered by Mastercard, ZOOD Card is Pakistan’s first virtual Buy Now Pay Later Card that empowers consumers to make purchases in installments at hundreds of leading online stores, fostering financial freedom for consumers amidst inflation and a growing e-commerce sector. With ZOOD Card, customers can easily manage their cashflows by splitting their online payments into affordable installments. Here are the simple steps: - Obtain your virtual ZOOD Card via the ZOOD App within minutes after providing your KYC details - Get and activate your credit limit to make purchases in installments - Visit your favourite online store for shopping - Use your ZOOD Card at checkout by providing your credentials - Your purchase is complete with the store being paid immediately and your payment split into installments in real time This innovative solution is set to revolutionize consumer lending in Pakistan by providing consumers financial freedom and the ability to plan their finances with ease. So why wait? Go Get your ZOOD Card TODAY!   #ZOODCard Giving Credit Where Credit Is Due! For more details, visit www.zood.biz/card. #ZOOD #Pakistan #bnpl #credit

Fargo Parcel Service FV LLC Selected as Logistics Partner for Temu in Uzbekistan!   Fargo is proud to announce its selection as the official logistics partner for TEMU in Uzbekistan, a global e-commerce giant and subsidiary of Pinduoduo (with $562 billion GMV in 2023). TEMU has rapidly become the second most visited e-commerce platform worldwide, transforming online shopping with a vast selection of products and competitive pricing.   Since 2018, Fargo (100% owned by ZOOD (ZOOD Pay | ZOOD Mall)) has led the e-commerce logistics market in Uzbekistan, offering end-to-end parcel delivery solutions through an extensive network of nearly 2,000 pick-up points, parcel lockers, and a mix of Fargo-owned and partner locations. This network is further enhanced by courier home deliveries, with 97% of orders delivered the next day across the country.   This collaboration with TEMU marks a significant milestone for Fargo, validating our expertise, infrastructure, and experience in international shipping. As TEMU’s delivery partner in Uzbekistan, Fargo is prepared to support the platform's ambitious expansion by ensuring fast and reliable delivery for over 100,000 parcels daily.   By partnering with TEMU, Fargo reinforces its position as a leading logistics provider in Uzbekistan, ready to scale alongside global e-commerce leaders.   For more information, visit www.fargo.uz #TEMU #ZOOD #Uzbekistan #ecommerce #Fargo #fintech #logistics

I’m pleased to be in Vadodara at our ZOOD Indian office, which serves as a key technology center for our operations. ZOOD has had a presence in India since the beginning of our venture, and many of our team members have been with us for over 4 years. Our talented IT team here is essential, working on ZOOD Tech and providing cutting-edge technology for our digital ecosystem, including BNPL lending, risk management, logistics, and marketplace solutions for all ZOOD entities. This also includes offering BNPL-in-a-box solutions to financial institutions and retailers in partnership with Mastercard. https://www.zood.biz/tech They’re doing an extraordinary job, and we’re incredibly proud of them! 😍 🇮🇳 #zood #zoodtech #india #bnpl #mastercard #marketplace #logistic #fintech