Pepkor Holdings Limited is a South Africa-based diversified retailer. The Company's segments include Clothing and general merchandise; Furniture, appliances and electronics, and FinTech. The Clothing and general merchandise segment includes all clothing, footwear and homeware retail brands. The Clothing and general merchandise segment’s brands include PEP, Ackermans, Pepkor Speciality (CODE, Dunns, Refinery, Shoe City, S.P.C.C, Tekkie Town and RFNRY JNR), PEP Africa and Avenida. The Furniture, appliances and electronics segment includes Pepkor Lifestyle retail business and brands such as Bradlows, Russells, Rochester, Sleepmasters, Incredible Connection and HiFi Corp. The FinTech segment includes financial services and connectivity, and Omnichannel. Financial services and connectivity’s brands include A+, Connect, Capfin, Abacus, FoneYam and Cloudbadger. A+ and Connect offer retail credit options across its southern African retail brands. Omnichannel’s brands include Flash and +more.