Pepkor is a South African-based investment and holding company focused on the discount and value consumer retail and fintech markets. The majority of operations are in South Africa, and operations extend to other African countries and Brazil. It manages retail brands, selling predominantly clothing, footwear, and homeware products, in addition to household furniture, appliances, consumer electronics, and building materials. Its retail brands include PEP, Ackermans, Shoe City, Dunns, Tekkie Town, Refinery, S.P.C.C, CODE, Bradlows, Rochester, Sleepmasters, Incredible Connection, HiFi Corp, and BUCO. Its fintech operations provide financial and telecommunications services to customers in the formal and informal markets. Its Flash business supports 200 000 small-business traders in the informal market. Pepkor`s internally developed PAXI parcel delivery service very effectively leverages its expansive retail store footprint. Wikipedia