Author: Pat Kimmince

There’s a current common narrative in the business world: digital is everything, and physical presence is living on borrowed time. But that overlooks a more profound reality, particularly in a country like South Africa, where access, trust, and culture aren’t evenly spread. Every day, I witness a different story unfolding. A domestic worker comes into one of our branches seeking a loan to cover a school trip for her daughter. A father returns for his third loan, because the same consultant he trusts explains every step in his own language. These aren’t unusual cases; they’re our customers. And their needs…