Selecting an LMS: the critical compliance question most lenders skip
Selecting an LMS: the critical compliance question most lenders skip More than 80% of enterprise software implementations experience unplanned post-launch operational costs due to overlooked regulatory integration requirements. During software evaluation, procurement committees prioritize origination workflows, credit scoring integrations, and collections engines. Overlooking data transmission governance during system selection, however, creates immediate technical debt: inheriting […]
The real cost of bad SACRRA credit data (and how to fix it)
The real cost of bad SACRRA credit data (and how to fix it) Under Section 72 of the National Credit Act (NCA), credit providers face a mandatory 20-business-day statutory deadline to investigate and resolve consumer credit record disputes. For Chief Risk Officers and finance executives, inaccurate or delayed SACRRA credit bureau reporting represents a tangible […]
Xpertek Acquire achieves SACRRA ALG accreditation: native automated credit reporting
Xpertek Acquire achieves SACRRA ALG accreditation: native automated credit reporting South African credit providers report millions of account updates to SACRRA every monthly cycle, with each record required to strictly match exact Data Transmission Specifications (DTS). For credit and finance operations teams, managing this volume through manual database extractions and spreadsheet manipulation consumes significant operational […]
How to move from Excel to automated loan management: Solving revenue leakage and scaling operations
The problem: a loan book that outgrew the spreadsheet Managing a loan book on Excel works until it doesn’t. While manual management is manageable when the book is small, however, it quickly breaks down once volumes climb. For this lender, growth exposed the cracks: Repayment schedules that didn’t match reality Fees and charges forgotten, quietly […]
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 […]
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 […]
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 […]
From the Fairways to FinTech Compliance: A Week on the Move with Team Xpertek
At Xpertek, we have always believed that business is about far more than just writing code, optimising software ecosystems, or managing backend data flows. At its heart, business is about connection. It is about the relationships we build with our asset finance clients, the compliance networks we strengthen to secure their operations, and the local […]
From vendor lock-in to live operations in 30 days
When their incumbent vendor closed, this bank needed a replacement fast. What followed was a 30-day deployment that changed how they managed payments, compliance, and day-to-day operations entirely. “After the internet banking upgrade and integration, our operations were transformed. The platform has made a noticeable difference, payment processes are smoother, more accurate, and much easier […]
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. […]
