Egypt's financial technology sector continues to witness rapid growth as fintech providers deepen partnerships that connect digital payment platforms with financing solutions. The latest collaboration comes through a strategic agreement between Sahl and Klivvr, aimed at making installment payments more accessible and convenient for consumers.

Under the new partnership, Sahl, one of Egypt's leading digital payments and bill payment platforms, will enable Klivvr customers to pay their installments directly through the Sahl mobile application, providing a seamless and secure digital payment experience.

A More Flexible Way to Manage Financial Commitments

The agreement allows Klivvr users to settle their installment payments anytime and from anywhere using the Sahl app, giving customers an additional payment channel that simplifies the management of their financial obligations.

The collaboration reflects the growing integration between fintech companies and digital payment providers as the industry works to deliver more flexible financial services while supporting Egypt's transition toward a cashless economy and broader financial inclusion.

By combining financing services with digital payment infrastructure, both companies aim to offer users a more efficient and reliable financial experience while reducing the time and effort required to complete everyday transactions.

Sahl Continues to Expand Its Digital Payments Ecosystem

Since its launch in December 2019, Sahl has established itself as one of Egypt's leading digital payment platforms, allowing users to pay more than 200 different services, including:

• Electricity bills

• Natural gas

• Water services

• Telecommunications

• Internet services

• Other essential utilities

The platform also offers Near Field Communication (NFC) technology, enabling users to recharge prepaid utility meters and smart cards directly from home in less than a minute.

Beyond consumer services, Sahl has expanded its business-to-business (B2B) offerings by providing digital payment acceptance and collection solutions for corporate clients.

Klivvr Expands Its Digital Financial Services

Founded in 2021, Klivvr provides an integrated digital financial platform that combines payment and lending services through a smart payment card and mobile application, allowing users to track spending, manage budgets, and access various financial products.

The company achieved a major milestone in 2023 after receiving approval from the Central Bank of Egypt, strengthening its expansion strategy within the country's fintech market.

In 2025, Klivvr broadened its portfolio by introducing a Buy Now, Pay Later (BNPL) solution offering consumer financing of up to EGP 500,000 with repayment periods of up to 60 months. The company also launched financing solutions for major purchases worth up to EGP 15 million, supported by a network of more than 1,000 merchants and business partners across Egypt.

AI-Powered Financial Services Drive Growth

During 2026, Klivvr continued enhancing its digital ecosystem by launching K.ai, described as Egypt's first AI-powered financial assistant, offering personalized spending insights and intelligent financial guidance.

The company also introduced its K.Points rewards program and the K.Shop in-app shopping platform to create a more comprehensive financial experience.

These initiatives have contributed to the company's continued expansion, with its customer base now exceeding 700,000 users.