ZOOD is a digital lending platform for e-commerce. Our ecosystem embeds FinTech (ZOOD Pay), E-commerce (ZOOD Mall), and E-logistics (ZOOD Ship) services, with lending being our core activity. Headquartered in Switzerland, the ZOOD App has 10 offices serving over 10 million users. We are committed to delivering a "Swiss quality" shopping experience and cross-border services to merchants and shoppers across fast-growing FinTech and E-commerce emerging markets in Pakistan, Uzbekistan, and Lebanon. ZOOD Pay offers three lending products: (1) ZOOD Pay SME Inventory to select ZOOD ecosystem merchants providing monthly inventory financing and the necessary warehousing technology, (2) ZOOD Pay BNPL, a 4-installments consumer plan with 0% interest, and (3) ZOOD Pay Credit, an extended consumer BNPL product (up to 12 months) with interest. Our consumer lending products are available through multiple distribution channels: ZOOD Mall, our own marketplace with 7 million + products from 30,000 local and cross-border sellers; on partners' apps and websites through a seamlessly integrated API; and in offline partner shops across our countries of operation.