If you’re still running your business with a notebook, calculator, and gut feeling — 2025 is the year to stop.
Jamaica’s entire small business ecosystem is going digital: from how customers pay, to how banks issue loans, to how suppliers restock. Whether you run a shop, pharmacy, restaurant, or wholesale — digitizing your operations isn’t just smart. It’s becoming non-negotiable.
In 2024, Jamaica processed over 40 million digital transactions through platforms like Lynk, NCB Pay, and other mobile payment apps. QR codes are appearing in taxis, bars, and corner shops. NCB and Sagicor are rolling out softPOS systems that let you accept card payments directly from your phone — no machine needed.
“More than 70% of Jamaican adults now have access to a smartphone. There’s no excuse for staying offline.”
— Bank of Jamaica, 2024 Financial Access Report
If your business only accepts cash, you’re shutting the door on younger customers — and making bookkeeping a nightmare.
Major distributors like Wisynco, Seprod, and Facey are now offering digital order portals and encouraging automated stock tracking. Why? Because it improves efficiency on both ends.
If you can’t show stock reports or ordering history, you’re the slowest part of their supply chain.
With Tillmate, you can generate professional purchase histories and reorder recommendations in one click — and that helps you build better relationships with suppliers.
Loan officers are no longer relying on vibes. Whether you’re going through Access Financial, Dolla, JMMB, or your credit union, they all want to see:
Clean reports
Proof of income
Trackable inventory
Proper expense tracking
If you're handing in handwritten receipts and inconsistent spreadsheets, you're not getting the best offer — or worse, you're getting denied.
Tilly, Tillmate’s built-in A.I. assistant, helps you pull the exact reports you need and even explains terms like “net profit” or “COGS” in plain English.
“Digitization of MSMEs is key to improving access to credit and investment-readiness in the Caribbean.”
— IDB Report on Caribbean MSME Finance, 2023
Platforms like QuickCart, 7Krave, and Upercart are onboarding shops that can show stock and pricing data. If your competitors are using Tillmate or similar tools to run tighter operations, offer better deals, or restock faster — you’re losing ground every day you delay.
You don’t need to be a tech expert. Tilly, built into Tillmate, helps shopkeepers understand their business, improve profit margins, and even get loan-ready — just by asking questions.
Examples:
“Tilly, what’s my best-selling item this month?”
“How much did I spend on snacks last week?”
“What reports do I need to apply for a microloan?”
This kind of business intelligence used to require an accountant. Now? You just log into your dashboard.
Digitization isn’t a trend. It’s the new foundation for doing business in Jamaica.
Whether it’s managing staff, tracking inventory, applying for a loan, or preparing for taxes — Tillmate makes it easier, and Tilly makes it smarter.
🧠 Tillmate is your all-in-one retail system — built for Jamaican shops, backed by A.I., and ready to grow with you.
