The BNPL model is, however, quite popular in other markets. In a recent event, Apple launched the ‘Pay Later’ feature that enables users to make payments in 4 installments. There are also a lot of other players in the BNPL market in countries like the United States, the United Kingdom, and so on. Some of these include Affirm, Afterpay, Zip, PayPal , Klarna, etc
Some platforms that offer BNPL usually add a markup to their prices in order to make a profit. Others add interest rates, while some others just do the normal rates but take a rebate from the merchant after the transaction. The form of BNPL you take depends on the platform you use. And this dictates how expensive or cheap the money you’ll pay is.
Here’s an example: Let’s say a Laptop costs ₦120,000 and you want to pay over 12 months. For platforms that take a rebate from the merchant, you’ll be required to pay just ₦10,000 every month for 12 months. For platforms that add interests, this will be calculated and the final number divided by 12. While platforms that add a markup will probably show you the price as ₦130,000 instead of the real market price.
The BNPL model can be used to purchase a wide range of items, including but not limited to, smartphones, smart televisions , laptops , air conditioners, refrigerators, furniture, microwaves, cookers, and so on. But before you proceed, you need to find the right platform to use.
1. Carbon
With Carbon Zero , the digital bank Carbon lets you purchase gadgets and electronics and pay in small installments at a 0% interest rate. You can buy things like iPhones , MacBooks , smartwatches , play stations, and other game consoles, and pay conveniently. There are no hidden fees with Carbon Zero, however, you might be charged for late repayments.
You can split your payments on Carbon Zero over a 3-month period. However, this can be extended to a 6-month period (with terms & conditions). Most merchants on the Carbon Zero platform are currently in Lagos but they are expanding fast. To apply for this, you’ll need to open a Carbon account by downloading the mobile app.
- Download Carbon for Android .
- Download Carbon for iOS .
2. CDcare
CDcare also provides users an easy way to break payments into little installments. There’s however a caveat to their model. With CDcare, you will only get the item you’re getting when you’re halfway through your payment. Let’s say you’re paying for a laptop in 6 installments. You’ll get the item after you make your 6th payment.
- Download CDcare for Android .
- Download CDcare for iOS .
3. Easybuy
Easybuy is slightly different from the 2 above. They take a more manual approach as you’ll need to visit the stores in person and talk to an agent. The agent will take you through the purchase process and you’ll be required to pay a 30% deposit to go home with the device. Easybuy is largely focused on smartphones only. For more on using Easybuy as a BNPL platform, please read through the step-by-step process we’ve outlined below.
Related: How to Buy Smartphone and Other Devices With Easybuy Loan App
4. Payment Plan
This platform was formerly named “Borrow to own” and operates in Abuja, Nigeria. You can either purchase your items at once or pay in installments. The price difference between paying outrightly and in installments is quite significant. Users will also have to pay a 30% deposit first, then spread the balance over 5 consecutive months. Your item will be delivered after the first payment.
To use Payment Plan, you’ll have to visit the parent company’s website and call their mobile numbers. There is no mobile app at this time. Check out BTO electronics here .
5. Klarna
With Klarna, you can shop in the app, at your local mall, or anywhere online. However, you should know that their presence is limited in Nigeria. It’ll be very hard to see a merchant that has Klarna as a checkout option to enable you to pay in installments. They are not a lot. If you do find one, Klarna lets you pay in 4 installments and is usually located at the checkout stage of (online) stores.
Klarna does not add interest rates to the payment amount. However, there’ll be additional fees if you repay late. You can use Klarna via the web, mobile app, or a chrome extension. They list some very popular foreign stores, check them out here .
- Download Klarna for Android .
- Download Klarna for iOS .
6. Credpal
Credpal lets you buy and pay in 6 months. You can choose to pay between 2 – 6 months. With Credpal, if you pay in 30 days, you will not need to pay interest. However, other payment plans will come with interest rates. Depending on your account, the platform can attach a shopping limit – which is basically an amount of money that’s the maximum you can shop with.
- Download Credpal for Android .
- Download Credpal for iOS .
7. Betacar
Betacar financing gives salary earners and structured business owners a way to buy a car and pay in installments over 12-24 months. What this shows is to be eligible, you’ll need to show consistent income in your bank account every month. Betacar charges interest on the amount of the car and adds it to the total amount to be paid back.
To get started with Betacar, you’ll search available cars then apply for a loan. You can also use their calculator to see how much you’ll need to pay back monthly and what your first deposit needs to be. Visit Betacar’s website to begin. They don’t have a mobile app at this time.
Should You BNPL?
- You need a particular item but don’t have the full amount at hand.
- You don’t mind paying interests or a slightly higher sum for the product.
- Inflation rate is high and the likelihood of the item price increasing is very high.
Daniel Moses Oluwadanie is a tech writer based in Nigeria with extensive experience in mobile apps, social media, and fintech. At Dignited.com, he specializes in writing practical how-tos, smartphone reviews, and consumer tech news—helping readers make sense of the digital tools they use every day. With a finger on the pulse of Nigeria’s tech scene, Daniel delivers insights that are both timely and relatable.
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Talkio Mobile , Uganda’s newest telecommunications service provider, is excited to announce a groundbreaking partnership with Banana Life Investments, a leading chain of mobile phone and retail shops. This strategic alliance aims to bring Talkio’s innovative telecom services closer to Ugandans.
This collaboration will leverage Banana Life Investments’ extensive retail network of 26 stores strategically located across Uganda in major malls, towns, and cities to provide customers with unparalleled convenience. Through this partnership, Talkio Mobile will offer its full suite of services, including SIM cards, airtime, and exclusive product offerings at any Banana Life Investment location.
This partnership is more than a business initiative—it’s a shared commitment to transforming lives. By integrating Talkio Mobile’s forward-thinking services & nationwide reach with Banana Life Investments’ retail footprint, the two brands are setting a new standard for customer convenience and inclusivity.
READ ALSO: 5 Things You Need to Know About Talkio Mobile: New Telecom Company in Uganda
“This partnership aligns perfectly with our mission of connecting Ugandans to innovative and transformative telecom solutions,” said Vianne Allan Ahura, CEO of Talkio Mobile. “By leveraging Banana Life Investments’ trusted presence and nationwide footprint, we are not only expanding our agent network but also bringing our services closer to the communities we serve. This collaboration ensures that our online customers can now enjoy a seamless offline experience right at their doorstep. Together, we are empowering Ugandans with the tools they need to stay connected, grow their businesses, and unlock new opportunities.”
Solomon Ssemuyaba, the assistant general manager at Banana Life Investments, echoed this sentiment: “We are proud to join hands with Talkio Mobile to deliver innovative, customer-centric solutions. This partnership represents our shared vision of fostering a connected future for Uganda. Together, we are redefining what convenience and accessibility mean for our customers.”
The partnership goes beyond retail distribution, introducing joint initiatives aimed at value addition and personalized service. Customers can expect seamless access to:
- SIM Card Sales : Available at all Banana Life Investments locations.
- Talkio phone number bookings : Book your preferred Talkio number at any Banana Life Investments location.
- Airtime Services : Recharge easily through in-store purchases.
- Customer Support : Friendly and knowledgeable staff trained to assist with Talkio Mobile products and services.
Additionally, the two companies plan to launch promotional campaigns and expand services to even more locations, ensuring no Ugandan is left behind in the digital transformation.
Solomon Obwot is a tech writer based in Kampala, Uganda, with extensive experience in the local tech startup ecosystem. He covers the latest news and analysis on consumer tech, writes in-depth smartphone reviews, and conducts insightful interviews with industry experts. Solomon is also a passionate podcaster, sharing his knowledge and engaging in discussions about Africa’s rapidly growing tech landscape. Send emails to [email protected]
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The Mobile World Congress (MWC) Barcelona , the world’s largest exhibition for the mobile industry, has just concluded. This annual event gathers leading technology brands to unveil groundbreaking mobile, AI, and digital solutions innovations. At MWC 2025, TECNO showcased a range of AI-driven products, reinforcing its commitment to cutting-edge technology.
The key launches included:
- CAMON 40 Series – AI-powered smartphones with One-Tap FlashSnap and advanced mobile imaging features.
- MEGABOOK S14 – The world’s lightest 14-inch OLED laptop, featuring AI-enhanced multitasking and Snapdragon® X Elite.
- MEGABOOK T14 Air & K15S – Lightweight ultrabooks with AI capabilities and extended battery life.
- TECNO AI Glasses Series – Smart eyewear integrating AI imaging, translation, and AR display.
Jan Stryjak, Associate Director at Counterpoint Research, shared, “In the past year, we have observed significant advancements in the field of AI. AI will continue to drive transformative changes in our daily lives. In this critical period for the economic development of emerging markets, TECNO’s AI technologies are unlocking potential for diverse needs.”
“The application of AI technologies is crucial and urgent in emerging markets. We’re committed to bridging the digital gap between emerging and mature markets,” said TECNO CMO, Laury Bai. “TECNO is taking a practical approach to make AI more accessible, ensuring users in emerging markets can access AI and cutting-edge technologies.”
Laury Bai, TECNO CMO
Driven by its commitment, TECNO has forged a robust partnership with MediaTek, establishing a joint AI laboratory dedicated to accelerating advancements in AI. At the event, James Chen, Vice President of Product and Technology Marketing at MediaTek, emphasized, “The synergistic R&D efforts between TECNO and MediaTek are set to democratize AI technology. Our collaboration powers a seamless, interconnected AI experience, bringing users a future of truly connected intelligence.”
James Chen, Vice President, Product and Technology Marketing at MediaTek
CAMON 40 Series Powered by AI One-Tap FlashSnap Revolutionizes Smartphone Snapshot Photography
TECNO’s Global Product Launch Officer, Olivier Mas, officially unveiled TECNO’s next-generation AI-driven products. Attendees at TECNO’s launch event witnessed the highly anticipated debut of TECNO’s new CAMON 40 Series, a device that embodies TECNO’s legacy of excellence in mobile imaging. Featuring One-Tap FlashSnap Mode and TECNO AI, the series sets a new benchmark in smartphone photography, delivering exceptional snapshot capabilities and AI-enhanced user experiences.
Olivier Mas, TECNO Global Product Launch Officer
The CAMON 40 Series exemplifies a commitment to innovation that transcends hardware and software, extending into strategic partnerships that deliver cutting-edge AI solutions to emerging markets. Matt Waldbusser, Managing Director of Global Solutions and Consumer AI at Google Cloud, remarked, “Our collaboration with TECNO on the CAMON 40 Series is a standout example. Leveraging Google Cloud’s capabilities, we’ve introduced groundbreaking features such as Ask Ella, AI Image Generator, AI Writing, and AI Translate. I am particularly impressed by the industry-leading and competitive edge of some of these innovations. For instance, TECNO’s AI supports text translation in 136 languages, voice translation in 44 languages, and photo translation in 51 languages. We are excited to further strengthen our partnership with TECNO, unlocking limitless potential to bring advanced yet practical AI capabilities to emerging markets in a convenient and secure manner.”
Matt Waldbusser, Managing Director of Global Solutions and Consumer AI at Google Cloud
The CAMON 40 Series’ innovative One-Tap FlashSnap leverages AI to enhance imaging capabilities, revolutionizing mobile photography. AI optimizes camera startup and continuous shooting for instant captures, while AI-powered multi-frame processing intelligently reduces noise and enhances details, delivering sharper, more refined images. Additionally, the BestMoment algorithm analyzes motion patterns, automatically selecting the optimal frames for precise, high-quality shots in dynamic scenarios, ensuring users an unparalleled mobile imaging experience.
TECNO CAMON 40 Demonstrates the Cutting-Edge FlashSnap Capability
To delve deeper into the imaging prowess of the CAMON 40 Series, TECNO invited Frédéric Guichard, CEO of DXOMARK, to share the image performance of CAMON 40 Pro. Frédéric highlighted, “The CAMON 40 Pro 5G has demonstrated exceptional imaging and performance capabilities in our rigorous evaluations. We’ve been particularly impressed with photo performance being the best for devices under 600$, and the 1st eligible device to our Smart Choice Label.”
Onsite photo of Frédéric Guichard, CEO of DXOMARK
Beyond its advanced rapid-capture functionality, the integration of TECNO AI further enhances the device’s capabilities. Intelligent imaging, a 360° AI Call Assistant, and productivity tools elevate creativity and efficiency. Powered by MediaTek’s latest chipsets, the series ensures smooth performance, fast processing, and extended battery life. With a sleek, durable, and water-resistant design, it seamlessly blends style with practicality for modern users.
MEGABOOK S14, the World’s Lightest 14-inch OLED Laptop, Inspires Creators and Game Lovers
The MEGABOOK S14 is TECNO’s first OLED laptop and the industry’s lightest 14-inch OLED laptop, featuring a 2.8K OLED display and incredibly weighing only 899g (31.7oz). The laptop is equipped with the outstanding power of the Snapdragon® X Elite compute platform, the flagship chipset for AI PCs from Qualcomm Technologies, and integrates TECNO’s world’s first self-developed edge-side large-scale AI model, to achieve AI-enhanced multitasking.
World’s Lightest 14-inch Laptop MEGABOOK S14
Specifically designed for next-gen AI productivity, TECNO AI enhances the Ella AI Assistant, AI-powered PPT generation, AI-driven image search, smart albums, and offline meeting transcription with multilingual support. The External Graphics Dock, equipped with a powerful NVIDIA graphic card, delivers scalable, high-performance capabilities for design, gaming, and content creation. The laptop’s 2.8K OLED display with a 120Hz refresh rate ensures exceptional visuals, while DTS:X Ultra dual 2W speakers, Wi-Fi 6E, fingerprint login, and PC Manager optimize connectivity and user experience.
TECNO’s strategic partnership with Qualcomm Technologies was a highlight of the TECNO AI Ecosystem Product Launch event, demonstrating a shared vision for the future of AI PCs. Kedar Kondap, SVP & GM of Compute and Gaming at Qualcomm, took the stage to discuss the integration of Qualcomm’s cutting-edge PC chipset into the new MEGABOOK S14 laptop, underscoring TECNO’s commitment to delivering high-performance computing solutions.
Kedar Kondap, SVP & GM of Compute and Gaming at Qualcomm
In addition, TECNO also introduced several standout new products. The featherlight 999g (35.2oz) ultrabook MEGABOOK T14 Air, features high-speed storage and LPDDR5 memory, while the ultra-thin, all-metal MEGABOOK K15S, equipped with a powerful 70Wh battery and supported by a 65W PD GaN charger, offers a smarter and more long-lasting user experience. Both devices are empowered by TECNO AI with advanced AI capabilities such as AI Album and AI Voice Assistant, making them perfect companions for all aspects of life.
The Next Game-Changing Tech Innovation: See the World with the TECNO AI Glasses Series
TECNO’s new AI Glasses Series also took center stage with the introduction of TECNO AI Glasses Pro and TECNO AI Glasses, reimagining eyewear with cutting-edge imaging, intelligent interactions, and a sleek aesthetic. The TECNO AI Glasses feature an aviator design, while the Pro model showcases a browline style, both embodying timeless elegance and modern fashion.
TECNO AI Glasses Redefine the Way People See the Future
Equipped with a 50MP high-definition camera, the series integrates an OV50D sensor, a 100° ultra-wide-angle custom lens, and an AI ISP imaging chip, forming a mobile-grade imaging system. This system lets users capture stunning, high-resolution photos with advanced AI noise reduction and HDR capabilities. With real-time translation supporting over 100 languages, TECNO AI’s Ella empowers accurate translation even for less common languages, as well as voice control, AI-powered object recognition, and intelligent information summaries for ultimate convenience.
Additionally, the AI Glasses Pro features a MicroLED display with 7th-gen resin waveguide technology, offering a 30° field of view, over 1,500 nits of brightness AR display, and a lightweight, ultra-thin design. The AR display allows users to effortlessly enjoy features like translation display, navigation, information prompts, and teleprompting.
Equipped with a 250mAh battery, these glasses offer over 11 hours of music playback and 8 hours of mixed use with just 30 minutes of charging. An advanced ultra-linear speaker, bass enhancement, and spatial sound deliver an immersive audio experience, while Wi-Fi 6 and Bluetooth 5.4 ensure seamless connectivity.
With these innovative launches, TECNO is setting new standards in mobile imaging and AI-enhanced technology, shaping a more connected and empowered future for consumers in emerging markets. Once again, TECNO has showcased its cutting-edge innovation on the global stage at MWC. With the brand essence of “Stop at Nothing”, TECNO’s relentless pursuit of innovation is making AI-powered technology more accessible, allowing consumers to experience the future ahead of time.
Solomon Obwot is a tech writer based in Kampala, Uganda, with extensive experience in the local tech startup ecosystem. He covers the latest news and analysis on consumer tech, writes in-depth smartphone reviews, and conducts insightful interviews with industry experts. Solomon is also a passionate podcaster, sharing his knowledge and engaging in discussions about Africa’s rapidly growing tech landscape. Send emails to [email protected]
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