Carmachain is a Nigerian based technology company that aggregates several buy-now-pay-later platforms to allow customers access to multiple vendors when they seek to borrow money to complete a purchase. This way, the customer gets access to the loan they need, the merchant gets to complete a sale, the lender gets a user and essential data is captured for future decision making and shared to the right stakeholders. Carmachain aims to allow lending organizations to provide innovative products and services to the underserved and unbanked through data-driven decisions.