Author: Clinton Leask

For centuries, banks were built on paper trails and brick-and-mortar branches. However, long before smartphones, banks were already collaborating with fintechs to build innovative value propositions. In South Africa, this collaboration dates back to the late 90s when payment providers began integrating with banks to offer seamless card processing. Then came the internet, transforming banks from financial vaults into digital innovators—launching an era where your smartphone could be your bank which marked a significant shiftin the industry. As the growth of smartphones accelerated so did the adoption of digital banking. This in turn has paved the way for fintechs to…

Education is a cornerstone of our country’s future success, yet the burden of tuition fees, combined with the current cost-of-living crisis, are the cause of a great deal of stress and anxiety for parents and students. At the same time, student debt is a worrisome burden for tertiary education institutions. In January 2023, tertiary education student debt hit an all-time high of R16,5 billion, prompting the Minster of Education Blade Mzimande to comment that the extent of it posed a serious threat to the future sustainability of the country’s higher education institutions. Many parents and families make great sacrifices to…