Device lock gives retailers the power to finance smartphones securely.
Across East and West Africa, retailers are sitting on a major opportunity and a growing risk. Every day, phones are sold on installments, yet many lose money when customers stop paying. Without the right protection, you’re exposed to defaults, device thefts, and messy collections.
That’s where SMF’s (Smart Mobile Finance) device lock comes in. It lets you:
- Remotely block financed devices
- Track devices
- Unblock instantly once payments are made
All based on payment status, keeping control in your hands. And as smartphone financing expands rapidly across African markets, this control is becoming essential.
Real Impact Across African Markets
As device financing continues to grow, its real impact is being seen across Africa’s biggest markets.
In Kenya, the “lipa mdogo mdogo” (pay small small) model has already proven that customers are open to installment plans when they’re managed smartly. In Nairobi, smartphone penetration has crossed 80.5%. At the same time, Nigeria is expected to reach nearly 60% smartphone penetration.
These numbers tell one clear story: the demand for financed devices is massive, but so is the risk of defaults.
That’s why more and more African retailers are turning to SMF’s finance locker app. It not only secures repayments but also builds repayment discipline among customers. When a device is blocked, users are instantly reminded that an outstanding payment is due. Once they pay, the device is unblocked immediately.
How Retailers Can Get Started with SMF
If you’re offering smartphones on finance, start by safeguarding your business with SMF’s device lock. It’s the simplest way to stay in control of every financed device and protect your revenue.
Here’s what you gain:
Instant control
Block or unblock devices remotely based on payment status.
Better collections
Reduce your dependence on manual follow-ups and reminders.
Stronger trust
Customers know exactly when and why their device is blocked, and they repay on time.
Higher profits
Fewer defaults mean more recovered payments and healthier margins.
In the African market, where most smartphone sales now happen on credit or instalment, SMF’s smart device lock helps you stay competitive, secure, and one step ahead.
Your Next Step in Smarter Financing with SMF
With SMF’s advanced finance locker app, retailers can now take full control of financed devices. It allows remote locking whenever there’s an outstanding payment, ensuring your assets remain protected.
Once the balance is cleared, the device is unblocked, payments are back on track, and business keeps moving smoothly.
It’s simple. It’s secure. And for retailers across Kenya, Uganda, and Nigeria, it’s the smartest way to finance, protect, and grow with control.
Frequently Asked Questions:
Retailers across Kenya, Nigeria, and Uganda are adopting SMF’s device lock because it gives them direct control over financed smartphones. It ensures that when customers miss instalments, devices can be remotely locked, helping them recover payments faster and reduce bad debt.
Yes. SMF’s remote locking feature lets retailers manage financed devices anytime, from anywhere. Whether your customers are in Nairobi, Lagos, Kampala, or beyond, you can instantly block or unblock devices through the SMF dashboard. This makes multi-country or multi-branch operations much easier to control, without the need for physical intervention.
Yes. SMF’s technology is designed to support PayGo models used by leading solar and smartphone financing companies across Africa. The lock integrates with flexible, small-ticket payment plans, daily, weekly, or monthly, encouraging timely payments.
Unlike OEM locks, which are limited to specific brands or models, SMF’s finance locker app works seamlessly across all Android devices. It gives retailers full flexibility, supporting multiple brands, enabling instant remote actions, and offering advanced analytics on repayment behavior. In short, SMF provides a smarter, more scalable, and brand-agnostic alternative for any retailer involved in smartphone financing.
