Recently, Activitis provided a vehicle for the needs of the International Legion of the Main Intelligence Directorate of the Ministry of Defense of Ukraine (military unit A3449). We are pleased that this assistance contributed to the unit’s combat missions.

We thank the military for their trust, service, and daily defense of Ukraine.

For Activitis, social responsibility is not one-time initiatives, but systematic support for the country, the Defense Forces, and projects that have a real impact.

We continue to help. Together — to victory.

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We sincerely thank UKRSIBBANK BNP Paribas Group for their trust and shared vision of the future of Ukrainian entrepreneurship. Particularly valuable for us is the opportunity to develop these solutions together with international partner BNP Paribas Group, combining international expertise with a deep understanding of Ukrainian business needs.

Within the framework of our cooperation, we are working on new digital formats for access to financing that will make the use of personalized limits for businesses even more convenient, faster, and closer to the daily operational needs of entrepreneurs.

For us, this is more than a partnership. This is a joint contribution to the development of micro, small, and medium-sized businesses, the recovery of Ukraine’s economy, and the creation of new opportunities for Ukrainian entrepreneurs.

We continue to build fintech infrastructure that works around the real needs of entrepreneurs.

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This option is available for users in the enabled “Business” mode on the epicentrk.ua website.

eDilo provides installment payment for invoices that Epicentr issues to its B2B clients. This allows businesses to avoid waiting until the full amount appears on their balance sheet for procurement, and instead purchase when it is truly needed for operations.

Why This Matters

Businesses often postpone purchases not because they are untimely, but because it is inconvenient to pay the full amount at once. As a result, companies delay decisions, lose time, and in some cases, slow down their own processes.

The partnership between eDilo and Epicentr changes this logic. If goods are needed now, they can be purchased immediately, put into use, and paid for gradually according to a convenient schedule. This not only saves time but also allows businesses to avoid withdrawing the entire amount from circulation at once.

This is especially important in situations where a need arises suddenly or the purchase was not budgeted for this particular month.

How It Works

First, the client must enable “Business” mode on the epicentk.ua website and add an organization.

Epicentr Group of Companies announced the launch of “Epicentr Business” – a new digital platform for corporate buyers and entrepreneurs that combines procurement, financing, document management, and business procurement management tools in a single environment.

The new service has become part of the company’s B2B development strategy and aligns with the global trend of digitalization of corporate procurement.

The client selects goods on the epicentrk.ua website, proceeds to the cart, and at the checkout stage selects eDilo among the payment methods.

After placing the order, the client enters the eDilo account. For Epicentr clients, a preliminary limit is set automatically. To use it, the client completes a brief verification, activates the limit, and confirms the payment order. Subsequently, they can use this limit for further payments within the available amount.

During repeat purchases, the process is shorter for the client: without re-verification, using the already available limit, the client can pay for multiple orders.

What Is Important to Know

Financing through eDilo is available for a term of up to 24 months. The maximum limit is up to 5 million UAH.

The entire process is digital: from order placement to document signing with a qualified electronic signature. No collateral, no guarantors, and no currency risks.

Who This Solution Is For

This solution will be most useful for micro, small, and medium-sized businesses that need a simple financial tool. At the same time, eDilo can also be useful for larger companies if they want to plan expenses more flexibly for several months ahead.

Installment payment is relevant for various sectors: logistics, medicine, HoReCa, retail, service businesses, manufacturing, repair, or workspace setup. What matters is not so much the cost of the goods, but the ability to avoid spending the entire amount at once and to distribute payment over time.

What This Provides for Epicentr and the Market

For Epicentr, this strengthens the B2B offering: the epicentrk.ua online store becomes more convenient and accessible for business clients, as it provides not only access to goods but also a flexible payment method through eDilo.

This can impact conversion, average order value, and the frequency of repeat purchases.

For the market, this is a demonstrative example of how embedded finance becomes integrated into the purchasing process. This is how B2B commerce becomes simpler, faster, and closer to the real needs of businesses.

“Epicentr has taken an important step toward the client and toward greater customer orientation for business. When eDilo appears directly at the moment of purchase, all parties benefit: the client gains the ability to buy now and pay in installments from future revenue, the Epicentr Business digital platform strengthens its offering, and we, as a financial partner, embed the solution where it is truly needed. It is precisely such win-win solutions that shape a new quality of interaction in the market – this is the growth model ( growth model) for all participants,” explains Pavlo Matiiash, CEO of Activitis.

“In fact, we have transferred the B2C segment experience, where financing is part of checkout, to the segment of legal entities and entrepreneurs. This allows businesses to receive solutions “here and now” – without unnecessary approvals and separate processing procedures. In this way, we have combined procurement and financing into a single digital scenario, which significantly accelerates client operations. This case is the first among major omnichannel e-commerce retailers in Ukraine, and we are certainly proud of it,” comments Yurii Kudlyk, Director of the Online Sales and Customer Service Department at Epicentr K LLC.

About

eDilo is an installment payment service for businesses that allows companies to purchase goods and services now and pay for them gradually.

Epicentr Business is a digital service for legal entities and entrepreneurs on the epicentrk.ua website that combines procurement, financing, and document management in a single environment. It allows companies to purchase goods at wholesale prices, receive additional discounts and free delivery, and arrange credit products directly during purchase.

*Activitis is a Ukrainian fintech infrastructure that creates embedded financial solutions for micro, small, and medium-sized businesses, forming a modern financial ecosystem aimed at developing entrepreneurship and strengthening the country’s economy.

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The event brought together investors, financial institutions, technology companies, and strategic partners to discuss investment potential, financial instruments, and the future of Ukraine’s digital economy.

We are pleased to contribute to this dialogue and support the development of international cooperation and the expansion of Ukrainian businesses’ access to modern financial solutions.

Ahead are several more days of meetings, discussions, and new opportunities for partnerships. It is important for us to be part of the conversation about Ukraine’s economic recovery and future competitiveness.

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For small businesses, this solution arrives at a time when operational stability is particularly important. Ukrainian HoReCa establishments and small retail businesses operate under conditions of war, inflation, unstable demand, and rising costs. According to an analytical center estimate, approximately 400 food service establishments have closed in Kyiv in recent months, of which around 300 were small businesses. At the same time, establishment revenues in 2025 increased by 6% while foot traffic declined by 9%, indicating cost pressure and changing consumer behavior.

One of the key challenges in such conditions is cash flow gaps. A business may have customers, orders, and demand, but lack sufficient funds precisely when it needs to replenish inventory of goods and products, upgrade equipment and renovate premises, as well as cover any other seasonal and operational expenses.

The eDilo service addresses a specific operational need: a business uploads a supplier invoice, the service pays it directly, and the company repays the amount in installments according to a convenient schedule. The entrepreneur does not need to change banks, suppliers, or existing contracts. A decision can be made within 30 minutes, the available limit can reach up to 5 million UAH, and the model operates without collateral or guarantors.

“Ukrainian small businesses today operate in conditions where the speed of a financial decision often determines whether a company can continue operating without interruptions. The partnership with Glovo makes this tool more accessible to restaurants, cafes, and shops,” notes Pavlo Matiiash, CEO of Activitis.

Glovo emphasizes that small and medium-sized businesses are an important part of the company’s partner ecosystem.

“We see the challenges our partners face daily and strive to provide as many support tools as possible. The partnership with Activitis and the eDilo service opens access to a digital financial tool that can help address the daily operational challenges of business,” notes Maryna Pavliuk, General Manager of Glovo in Ukraine.

Background

eDilo is Ukraine’s first online B2B BNPL service for businesses from Activitis. It integrates installment payments and payment deferrals directly into B2B sales.

Activitis is a fintech infrastructure that creates embedded financial solutions for businesses, aimed at developing entrepreneurship and supporting the recovery and growth of Ukraine’s economy.

Glovo is a technology platform that enables the purchase and delivery of food from restaurants, groceries from stores, and medicines from pharmacies within a city. The company, founded in Barcelona, now operates in over 1,500 cities across 22 countries in Europe, Central Asia, and Africa. Each month, over 5 million active users worldwide use the Glovo platform, over 70,000 couriers deliver orders, and the number of associated partners reaches 170,000.

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The cooperation involves coordinating efforts in programs and projects aimed at supporting intellectually gifted youth, expanding educational opportunities, encouraging academic achievements, internationalizing higher education, and exchanging experience.

A separate area of the Memorandum concerns joint work on creating digital products for the Fund’s interaction with talented youth. Such a system should assist in consistent work with talents: from identification and support to engaging young people in educational, scientific, international, and career opportunities.

“We work with young people who already have strong results and need the next step: quality programs, international experience, and a clear career path. Cooperation and support from Ukrainian business will help us develop and scale our programs, create digital solutions, and interact even more effectively with our talents. For young people, this means fewer barriers and more opportunities and clear development pathways in Ukraine,” noted Olha Budnyk, Advisor-Representative of the President of Ukraine on the Presidential Fund of Ukraine for the Support of Education, Science and Sports.

Another part of the cooperation concerns the development of the Fund’s already launched program for attracting foreign professors to Ukrainian universities. The existing UK–UA Visiting Professors Programme gives Ukrainian higher education institutions the opportunity to invite professors from leading British universities and provide students with access to modern academic approaches, international expertise, and direct contact with foreign lecturers without leaving Ukraine.

“For the Presidential Fund, this partnership is important for implementing specific projects and initiatives so that talented youth have more reasons to study, develop, and build professional careers in Ukraine. Youth are an important part of Ukraine’s resilience and recovery,” emphasized Yurii Petrushenko, Director of the Presidential Fund of Ukraine for the Support of Education, Science and Sports.

The partnership with Activitis Education will help the Fund prepare the next stage of the program. This will allow foreign professors to be invited to Ukrainian universities again in the fall-winter semester and expand international learning opportunities for students in Ukraine.

“At Activitis Education, we have long been working in the area of professional education for youth and providing them with practical skills. Together with the Presidential Fund of Ukraine for the Support of Education, Science and Sports, this area of work will reach a new level. We will support and strengthen the strong—invest in the best. Thanks to the Fund’s expertise, resources will be directed to truly important and effective initiatives that help develop the country’s human capital,” said Kateryna Zhukovska, Head of the Education Development and Partnerships Center at Activitis Education.

For Ukraine, this cooperation is part of broader work to preserve and develop talent. During Russia’s full-scale war against Ukraine, the country needs young people who study, research, create new solutions, remain in the Ukrainian educational and professional ecosystem, and gain international experience within the country.

Background

The Presidential Fund of Ukraine for the Support of Education, Science and Sports was created to develop and support talented youth, preserve, restore, and realize Ukraine’s human potential. The Fund’s main areas of activity include supporting youth education in Ukraine, internships, participation in international scientific and practical seminars and conferences, attracting foreign professors to work in Ukrainian educational and scientific institutions, and encouraging youth for achievements in educational, scientific, and sports activities.

Since the start of the full-scale invasion, the Fund has been developing programs that strengthen Ukrainian education, science, and sports through international partnerships, business engagement, educational diplomacy, digital tools, and support for talented youth. Areas of work include: payment of Presidential scholarships and awards, Twinning, UK-UA dual degree programs, development of a safe educational environment, programs for university management teams, UK-UA STEM PRO, UK-UA Visiting Professors Programme.

Activitis Education is the educational division of the Activitis fintech infrastructure, focused on developing financial and business literacy among entrepreneurs and students, as well as providing access to knowledge for people with hearing impairments.

The division combines practical training, expert lectures, partner educational formats, youth internships, and inclusive initiatives.

Source: Presidential Fund of Ukraine

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