Category: Financial services
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Fintech exits and regulations in 2025
In 2025, banks continued to acquire fintech companies, securing advanced technologies and data to enhance competition. Regulatory clarity improved with the introduction of the COFI Bill and new rules for Crypto Asset Service Providers. Focus on AI regulation intensified, while BEE policies evolved to encourage small business growth and compliance.
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Fintech exits and regulations in 2025
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Banking in the informal economy
Capitec’s launch of its Pay-As-You-Trade product in December 2025 aims to reduce barriers in small business finance by simplifying loan access without extensive paperwork, utilizing future sales for repayments. Other banks like FNB also adapt, focusing on community-driven financial solutions. This trend signals a convergence in strategies for serving underserved markets.
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What do Standard Bank, ABSA, Nedbank, and African Bank have that’s similar to FNB’s AgencyPlus or Capitec’s Pay-As-You-Trade?
Standard Bank MyMoBiz is Standard Bank’s equivalent of Capitec’s Entrepreneur Account — a low-fee business transactional account (R5–R15/month) with POS via SimplyBLU. Standard Bank also partners with Merchant Capital on a Shari’ah-compliant Merchant Cash Advance, available to qualifying business clients. (Standard Bank) No dedicated public-facing agent banking network comparable to AgencyPlus, though it targets informal…