Syft Analytics began its journey from a small office in Johannesburg’s Parktown North. For the first few years, the founders juggled full-time jobs while working to get the startup off the ground.

Happy Pay, which was established in 2023, has quickly gained traction with its Buy Now, Pay Later (BNPL) service, amassing 150,000 active users in just over a year.

The bank has surpassed 9.5 million customers, showcasing robust growth in its customer base.

Through its digital infrastructure, Pumpkn aims to make financing more accessible and affordable, lowering the costs for both borrowers and lenders. Farmers and food processors can apply for loans ranging from R5,000 to R5 million and receive funding within 10 days — an expedited process compared to traditional banking channels.