Kopaduka

Kopaduka is a credit management platform connecting local merchants and customers in Kenya. It simplifies buy-now-pay-later transactions at neighborhood shops, making credit sales easy to track and repay.

FOR CUSTOMERS:
• Browse nearby shops and buy on credit
• Track all your credit purchases in one place
• View detailed transaction history and statements
• Repay conveniently via KCB M-Pesa (STK Push)
• Monitor your credit score and spending habits
• Manage your digital wallet with easy deposits and withdrawals
• Raise disputes on transactions when needed

FOR MERCHANTS:
• Record credit sales quickly and accurately
• Track outstanding customer balances in real time
• Send payment reminders to customers
• Manage multiple business locations
• View sales reports and analytics
• Receive repayments directly to your wallet
• Resolve customer disputes efficiently

KEY FEATURES:
• KCB M-Pesa Integration — Make payments and receive funds seamlessly through KCB BUNI M-Pesa Express
• Digital Wallet — Deposit, withdraw, and manage your funds securely
• Real-Time Notifications — Stay updated on transactions, repayments, and account activity
• Credit History — Build and view your credit profile over time
• Spending Analytics — Understand your spending patterns with clear breakdowns
• Secure Authentication — OTP-based login keeps your account safe
• Statement Downloads — Export your transaction history for your records

HOW IT WORKS:
1. Sign up as a customer or merchant
2. Customers browse shops and make credit purchases
3. Merchants record sales and track balances
4. Customers repay via KCB M-Pesa at their convenience
5. Both parties track everything in the app

Kopaduka brings transparency and convenience to informal credit transactions, helping local businesses grow while giving customers flexible payment options.

Download Kopaduka today and experience a smarter way to manage credit at your local shops.