What can a lender actually see when a business applies for asset finance?
What can a lender actually see when a business applies for asset finance? A construction company applies for R2.4 million to finance an excavator. You have their financials, a bank statement pack, and whatever your credit committee can establish about the directors. What you have very little of is any record of how this company […]
What South Africa’s fintech lending boom means for your loan book
Every growing lending business hits the same wall eventually. The systems that worked when you had 200 accounts start to strain at 2,000. Spreadsheets that once gave you confidence now leave you double-checking figures. And the market you’re operating in isn’t slowing down to wait for you to catch up. That’s the position a lot […]
Nigeria’s payment volumes grew 120% in two years. Here’s what your payment layer needs
Nigeria’s real-time payments infrastructure is one of the most mature on the continent. The Central Bank of Nigeria’s 2025 Fintech Policy Insight Report, developed through a nationwide ecosystem survey and two closed-door stakeholder roundtables, places the NIBSS NIP platform among the leading real-time payment systems globally. The platform processed close to 11 billion transactions in […]
Payment switching for a growing bank in Ghana | SFI eVolve case study
Scaling payment volumes without the operational weight A commercial bank in Ghana was carrying rising transaction volumes across fragmented payment workflows. Manual reconciliation and limited real-time visibility were holding back its ability to scale in one of Africa’s most competitive payment markets. It needed a payment switching hub built to grow with the business. “SFI […]
African fintech growth requires a different kind of infrastructure
Africa’s fintech story is still being written, and the next chapter looks different from the last one. McKinsey’s recent report, Redefining Success: A New Playbook for African Fintech Leaders, maps the shift clearly. The growth-at-all-costs era is over. A more demanding, more compliance-conscious environment has taken its place, and the institutions that absorbed the funding […]
The cost your payment operations budget has never captured
Most banks running manual payment operations have not measured what it actually costs. Not because the cost is not real, but because it never consolidates into a single number. Instead, the true operational burden sits fragmented across multiple departments: Staff time wasted on error correction. Reconciliation cycles that stretch overnight. Exception handling that depends entirely […]
The fastest way to close your compliance gap
RelyComply’s white paper, Bridging the Compliance Gap, opens with a problem every African bank should be taking seriously. Financial crime no longer looks like cash in a briefcase. It moves through the same digital channels banks use to process salaries, settle RTGS instructions, and clear bulk payment files. The infrastructure most banks have in place […]
The Overlay Promise
Africa loses $5 billion every year to correspondent banking fees and delays. That figure, documented by the Chartered Institute of Bankers of Nigeria, belongs in the infrastructure conversation, not just the policy one. A recent Finance in Africa piece makes a strong case for Open Payments architecture as the path toward genuine continental financial connectivity. […]
Overcoming Payment Processing Challenges with Xpertek
Let’s face it, payment processing can be a real headache. Between fraudsters, ever-changing regulations, and the constant pressure to do more with less, it’s no wonder many businesses feel overwhelmed. But don’t worry, you’re not alone. Xpertek is here to help. Common Payment Processing Pain Points Fraud: With cybercrime on the rise, protecting your customers’ money is more important than ever. Compliance: Staying on top […]
Optimise Your Business’ Operational Efficiency Through Automation
Let’s face it, running a business is tough. There’s always something to do, and it can feel like you’re constantly putting out fires. One way to get a handle on things is by automating your processes. It might sound complex, but trust us, it’s simpler than you think. Why Automation Matters Automation isn’t just a buzzword; it’s a game-changer. By automating tasks, you can: […]
