Since its launch in 2019, PayJustNow has processed over R11 billion in transactions, opening access to credit for millions of previously unbanked consumers. Michael Avery sat down with the platform’s Chief Data and Analytics Officer, Mark McChlery, to discuss how South Africa’s Buy Now Pay Later (BNPL) sector is reshaping financial inclusion.

Mark shared how PayJustNow is building financial identity through transaction data, as well as how they’re addressing global competition, risk management, and the future of regulation in this rapidly evolving space.

Despite the fintech hype, cash still accounts for 56% of transactions in South Africa. Michael Avery sat down with Ontiretse Modise, Standard Bank CIB’s newly appointed Head of Payments, about what’s really driving Africa’s evolving payment landscape. From trust and education to merchant acceptance, they explored the barriers to broader adoption, the shift among younger generations, and how collaboration with fintechs, telcos, and regulators is shaping the future of payments across the continent.

To unpack what’s really happening behind the numbers in South Africa’s private equity industry, Michael Avery sat down with Graham Stokoe, EY Africa’s Private Capital Leader. Despite weak fundraising in 2024, deal-making hit record levels, driven by infrastructure, energy and IT. They explore the rise of private credit, the growing influence of allocators, and the challenge of turning infrastructure needs into viable projects - while asking whether the industry can deliver both strong returns and lasting economic impact.