All-in-one app for shop owners

What we do

Simplifying life for shop owners

Increase your market share, revenue and customer loyalty with the 20NINE superapp that gives shop owners financial and business control.

Why work with us?

For you

Our superapp boosts customer loyalty, revenue, and profits for all shop owners and consumers, making you the go-to brand.

Your users

20NINE makes it easier for shop owners and consumers to get financial and business control by digitising their activities.

For society

Digitising informal and formal businesses leads to growth, job creation, and improved societal well-being.​


Yearly churn



Accelerate your business growth

Increase your market share, revenue and customer loyalty by offering your users the 20NINE superapp.

Mobile payment networks

20NINE empowers users with financial control and revenue streams through gamification, boosting stickiness, viral spread, and increased market share.


Empower shop owners and consumers with the 20NINE superapp, featuring gamification to streamline loan processes, improve KYC, enhance forecasting, and reduce risk.

We offer two different revenue models

Pay as you go


Scalable and easy roll-out

Focus on market uptake, not tech

Let us do the heavy lifting and let you focus on increasing your market share, revenue and customer loyalty.

Faster time to market

Reduces risks and costs

Connects to local services

Custom pricing to fit your market

Option to host on your cloud

Zero sales effort

As a marketing case 20NINE does not require training of sales staff. It’s just a tick-in-the-box as a stand-alone or bundled offering.

Zero support effort

Scale and save time by letting 20NINE manage end user support, allowing you to focus on taking your company to the next level.

Zero delivery effort

No more hassle with user onboarding; we provide everything necessary for a successful experience, including self-service videos, instructions, and webinars.

Business advisory

Our business manager ensures your success with 20NINE, guiding you from contract to launch and beyond to achieve your targets.

Marketing support

Leverage our end user insights and dedicated marketing team for an extraordinary launch and high success rate.

Booster packages

Stand out at launch and maximize user adoption with 20NINE’s innovative booster packages, utilizing gamification to increase users and usage

Tailored to your needs

Choose our white-label model and get a cost-efficient and speedy time-to-market solution.
By leveraging your brand, you can benefit from the advantages of our white-label model while maintaining brand consistency and recognition.

Local pricing

Customisable superapp

Local naming

Shop owners and consumers

Put financial control at their fingertips


Shop inventory.

Shopping cart and checkout function (POS).

Payment function.

Automated customer directory.

Automated financial reports.


User friendly and accessible.

Fast and accurate sales process.

No need for investments in hardware or IT knowledge

Empowering insights by digitalisation and scale.

For entrepreneurs BY ENTREPRENEURS

Control in different stages 


Automatically categorise and generate detailed reports of your household finances.

Shop owners

Provides precise, complete control over the shop’s inventory, financials, and customer data..

Formal business

Automated bookkeeping, sales CRM, e-signing, contract, ticket and case management, recruitment, and customer service.