Twiva’s device financing with Spotit seeks to counter the high upfront cost of acquiring quality devices that remains a significant barrier for many aspiring creators and young professionals.
In Kenya’s fast-evolving digital economy, access to the latest devices—smartphones, laptops, cameras, and other tech tools—is no longer a luxury but a necessity, especially for youth, content creators, and influencers. These devices are the backbone of digital entrepreneurship, powering everything from social media campaigns to e-commerce businesses.
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The Barrier of Device Affordability
Despite an estimated 72.6% smartphone penetration in Kenya, cost remains a major barrier for many young people seeking reliable devices. Formal credit channels often exclude younger demographics and those without substantial credit histories, delaying access to the phones and laptops essential for education, remote work, and creative endeavors. As a result, many promising talents are locked out of opportunities to develop digital skills, produce high-quality content, or participate fully in the gig economy.
Enter Spotit, a revolutionary Get Now Pay Later (GNPL) solution, now accessible on the Twiva platform, offering flexible payment plans that are transforming how Kenyan youth and digital entrepreneurs access essential technology.
How Spotit’s Device Financing Works
Spotit’s GNPL platform integrates directly into existing banking apps, enabling eligible customers to select “Get Now, Pay Later” at checkout without additional sign-up. Spotit requires zero documents and imposes no product category restrictions, meaning customers can finance anything from essential tools like laptops to high-end cameras for content creation, with the approval of their banks.
Opportunities for the Kenyan Youth
Flexible device financing opens doors to educational and economic empowerment for Kenyan youth. With smartphones and laptops in hand, students can access online courses, digital libraries, and collaborative platforms, bridging learning gaps exacerbated by remote schooling needs. Moreover, devices enable participation in coding boot camps, e-internships, and freelance marketplaces, laying the groundwork for future careers in tech and digital services.
Empowering Creators and Influencers on Twiva
For content creators and social media influencers, professional-grade devices are non-negotiable tools of the trade. Twiva’s platform curates and activates influencers, helping brands connect with targeted audiences through authentic content campaigns. By leveraging Spotit’s GNPL, influencers can upgrade to high-resolution cameras, lighting kits, and editing workstations—investments that enhance production value and strengthen brand partnerships. This device accessibility amplifies creators’ potential to monetize their followings and deliver consistently engaging, high-quality posts.
Real‑World Impact and Market Growth
Spotit’s traction underscores the demand for flexible financing: with over KES 200 million in transactions processed across merchants just a year after its August 2024 rollout with I&M Bank. The BNPL sector in Kenya is projected to hit US$ 1.18 billion by 2025, growing at 13.6 percent annually. This expansion reflects a broader consumer appetite for payment models that match irregular incomes and cash‑flow patterns, especially among Gen Z, who comprise 66% of influencers driving social commerce trends in Kenya.
How to Get Started
- Visit the Twiva website and browse for the products you want.
- On checkout, choose Spotit as the payment option.
- Repay flexibly. Set up installment payments over six to twelve months, with low interest rates and revolving credit replenishment as you pay down balances.
The partnership between Twiva and Spotit unlocks immediate access to devices, eliminating lengthy credit procedures and lowering the barrier to digital empowerment.
Responsible Usage and Financial Well‑Being
Spotit’s customer-centric design promotes responsible spending with transparent terms, zero hidden fees, and tools to track repayment schedules. Young users and creators are encouraged to budget device expenses alongside income streams—whether from part-time gigs, content monetization on Twiva, or freelance projects—to ensure timely repayments and maintain healthy credit profiles.
Conclusion
By combining Spotit’s flexible, secure GNPL solution with Twiva’s social commerce ecosystem, Kenyan youth, creators, and influencers gain unprecedented access to the devices they need to learn, produce, and earn in the digital economy. This partnership not only bridges the affordability gap but also fuels the next generation of innovators and entrepreneurs. As BNPL adoption and digital content creation continue to surge, flexible payment plans for devices will remain a pivotal driver of inclusive growth, empowering individuals to turn potential into tangible success in the digital economy.
Thus, whether you’re a student seeking a reliable laptop, an aspiring influencer upgrading your kit, or a small‑business entrepreneur expanding your digital toolkit, Spotit and Twiva’s collaboration offers a clear pathway to digital inclusion and economic opportunity.
Start your journey today and experience the freedom of flexible device financing.