Fehintolu Olaogun, the CEO of CredPal joins me on Tech Talks Daily to share his story. This consumer credit startup has offered BNPL infrastructure to African retail merchants since 2018 and has garnered interest insights in the niche. Fehintolu was just in DC last month at the Africa Fintech Summit, where his panel discussed embedded finance. For example, one exciting perspective he shares is that while BNPL is often regarded as a tool for impulse buying elsewhere in Africa, it's a necessity because many cannot afford upfront payment for essential items. Having served over 4000 merchants and now looking to scale across Africa, CredPal has a great vantage on BNPL and consumer credit in Africa.