About us

We’re the Fintech platform that connects
micro-retailers and consumers in leap markets, enabling them to become credit-ready.

Our organisation


Our mobile apps offer seamless and accurate shopping experiences, both online and in-store. We empower
micro-retailers by expanding their reach and utilising AI to help them and their customers establish creditworthiness through our next-generation digital payments. By collaborating with credit providers and leveraging their support to promote our offerings, we can quickly build trust within local markets and achieve accelerated growth.


20NINE operates across Sweden, Kenya, and Vietnam.

Where Impact
Meets Innovation

We cultivate an inclusive and sustainable credit market for underserved populations in leap markets. In these predominantly cash-based environments, the absence of financial profiles hinders traditional credit assessment methods. As a result, predatory lending practices often prevail.


By harnessing advanced technology, we aim to reshape these landscapes. We empower individuals and micro-retailers with the financial resources they need to thrive and contribute to the growth and prosperity of their communities.

Stockholm, Sweden

The main office in Stockholm oversees strategic planning, branding, marketing, and finance.

Nairobi, Kenya

The Nairobi team is responsible for sales, support and user activations.

Hanoi, Vietnam

The Hanoi team oversees the comprehensive product development and testing team.

With AI based technology we aim
to make people in leap markets credit-ready

Andreas Lalangas, CEO and Founder