Sheba Fintech Limited is involved in providing simplified payment experience to individual users and online & offline businesses from touchpoints within their reach. To achieve this objective Sheba Fintech Limited has set a service focused approach and has built its business model by utilization of existing technology and infrastructure. SFL has already established an organized merchant network under its service brand named “sManager”. SFL intends to deliver payments services through a combination of local shops, internet and mobile distribution channels. It aggregates multiple services in a single platform and connects thousands of merchants who sell these services to end consumers.