In many countries in sub-Saharan Africa, cash is one of the only payment methods available to small business owners. The start-up Swipe2pay wants to help these small business owners with an alternative, digital credit scoring model which can be used to simplify access to financial services. Their app thus functions as a payment and booking system: Income and expenses can be automatically documented using the app – regardless of whether they are paid for with mobile money, cash or credit card. The business owners even pay less for transaction fees than usual. On top of this, the app can save orders with bulk suppliers and be used to take inventories.