Access Bank Ghana has unveiled a fully digitised version of its Pick Now Pay Later (PNPL) product, designed to provide customers with zero-interest financing for the first six months, enhancing convenience during the festive season and beyond.
The launch, held at the bank’s head office in Accra, showcased a revamped PNPL platform that allows customers whose salaries pass through Access Bank to complete the entire credit process on their phones.
The digitised system streamlines eligibility checks, product selection, vendor confirmation, and payment without the need for paperwork or in-branch visits.
Speaking at the event, Michael Gyabaah, Head of Distribution, Accra East, and Product Records, West Africa, said the upgraded PNPL reflects the bank’s commitment to designing financial solutions that respond directly to customers’ needs, especially workers requiring short-term support for urgent or essential expenses.
“This product is designed to give customers access to the things they need instantly. Whatever you pick, you pay exactly the shop price with no interest for six months,” he said, urging customers to take advantage of the offer.
The platform partners with a wide network of trusted suppliers, including Ashfoam, Get For Less, Electromart, Electroland, Top Hardware and Decor, Optima Solar, Franco Trading, among others, offering a broad range of home appliances, electronics, building materials, furniture, and other essentials.
Gyabaah explained that the manual version of PNPL had served customers well but no longer matched the speed and efficiency required in today’s digital banking environment.
The digitised PNPL allows users to browse partner shops, select products, verify identity via OTP, and confirm delivery, after which the loan is automatically booked.
He added that the relaunch represents not only a technological enhancement but also a reaffirmation of Access Bank’s dedication to supporting workers, families, and small businesses.
“Today’s launch demonstrates progress rooted in empathy and innovation, improving the everyday experience of customers. We remain committed to introducing more convenient financial solutions and service excellence,” Gyabaah said.
The new PNPL platform is expected to significantly ease everyday purchases, strengthen financial inclusion, and enhance customer convenience across urban and rural markets.
