Author: Siphiwe Nodwele

FinTech has lit a fire under start-ups and instilled fear in large brick-and-mortar financial institutions for many years. While agile FinTech upstarts continue to disrupt, big brands have accepted that their competitiveness and relevance depends on their digital transformation roadmaps. However, one can’t describe digital transformation in blanket terms. Transformation, simplistically, means moving from one point or state to another over a period of time. Around the world, and specifically in South Africa, not everyone is starting their transformation from the same point, and beyond that, not everyone is on the same journey. Some newer financial services businesses such as…