Home - &frnds

THE MISSING

LINK

OF THE

CONSUMER

ECONOMY

THE

MISSING

LINK

OF THE

CONSUMER

ECONOMY

Using unique AI and big data analysis, our
platform digitizes, utilizes and operates the
weakest links of the emerging markets value chain

Asset-Light model – No Capex, No Inventory
and No Subsidizing Sales

SCROLL TO DISCOVER

OUR

MISSION

Building a digital bridge between global product and ﬁnancial companies to small vendors in emerging markets. Utilizing big data, our platform helps our partners fully understand and optimize the last mile of the supply chain ecosystem. With no capex, no warehouses and no inventory we create insights and act on them, providing loyalty, efficiency and trade finance

THE CHALLENGE

Global consumer goods & financial services companies do not have data visibility and connectivity to the last mile of commerce in emerging markets. The current structure commerce is:

trust based
& risk averse

manual
& untracked

expensive
& inefficient

cash-based
& no credit

OUR
SOLUTION

#1 DATA

Using our data, insights and operations, we help the world’s smallest vendors see outstanding growth in just a few months of activity – and shed light on what has been an operational “black hole” to the world’s largest consumer goods companies.

Utilizing a holistic technology led platform, with a strong eﬃcient network of shared local warehouses, we align supply and demand across the ecosystem.

#2 SALES

We utilize our data so that small vendors enjoy unprecedented sales growth based on our insights. We offer vendors direct promotions from our manufacturers which is tailored to their needs based on our data.

#3 PARTNERS

Partnerships with local wholesalers enable us to create an efficient network of regional warehouses with no capex.

Partnerships with global manufacturers enable us to significantly grow their sales and market share while they provide promotions for the vendors.

#4 CREDIT

Based on our network data and the unique needs of our value chain we have developed tailored AI-based credit scoring and marketing algorithms enabling the micro, small and medium businesses in our value chain to enjoy responsible and relevant credit products from our financial partners such as micro-retailer consignment (Buy-Now and Pay-Later) or Wholesaler credit.

#5 TRADE FINANCE

The &frnds technology enables us to bundle the entire value chain into a portfolio lending opportunity for financial institutions. In addition, we can provide financing to each of the small stores. The process is powered by our unique AI algorithms, which combines risk score (credit score) and propensity score. This service is already impacting tens of thousands of our users, creating efficiency and much better product prices to consumers.

HOW DOES IT WORK

&FRNDS eB2B COMMERCE ECOSYSTEM FOR EMERGING MARKETS

FMCG &
Financial Companies

Consortium partners include
leading consumer brands and
financial institutions

Distributors

Supply FMCG Products
to wholesalers

Local Wholesalers

The &frnds platform powers the network of local wholesalers i.e. shared
warehouse infrastructure model

Commerce Managers

&frnds commerce managers power
the on-ground commerce network

Vendors

Network of millions of mom-
and-pop shops
(e.g. warungs, sari saris)

HOW DOES IT WORK

&FRNDS B2B COMMERCE ECOSYSTEM FOR EMERGING MARKETS