Patika is a Kenyan fintech startup backed by Y Combinator (YC S22). It helps small businesses in Africa track customer debt, facilitate repayments, and manage cash flow by automating manual processes like billing and reconciliations[1][2]. The company aims to become a full-stack neo-bank for African small businesses. Its unique selling proposition is automating financial management tasks, reducing errors and time spent on manual tracking, thus improving cash flow and reducing losses from late payments[1][2]. The target audience includes small businesses across Africa seeking efficient financial management solutions.