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In this episode, we sit down with Dawie Roodt, an Award Winning Economist and Chairman at the Efficient Group.
This is a deep dive into the South African economy and the future of money in Africa.
The Power of Sentiments:

• Economics and Human Nature: Dawie emphasizes that economics is fundamentally about people, not just numbers and formulas.
• Alternative Measurements: While traditional economic indicators like per capita income are commonly used, Dawie suggests focusing on metrics like life expectancy, which correlates strongly with overall well-being.

Market Sentiments and Confidence:

• Confidence in Central Banks: Dawie discusses how trust in central banks and their leaders can significantly impact economic decisions.
• Lack of Confidence in Government: When people lack faith in their government, they hesitate to invest, hindering economic growth.
• Greed and Fear: Emotions like greed and fear in financial markets play a role in the economy. These emotions can lead to market bubbles and crashes, highlighting the need for economists to analyze and manage such sentiments.

Cryptocurrency and Changing Finance:

• Central Bank Digital Currencies: Dawie discusses the emergence of central bank digital currencies (CBDCs) and their programmable nature. CBDCs could be used for various purposes, including controlling spending and ensuring tax compliance.
• Decentralized Finance (DeFi): The clip explores the concept of DeFi and how it operates outside the control of central banks. It raises questions about whether DeFi will coexist peacefully with traditional financial systems or face regulatory challenges.

Episode Highlights
💹 Economics and Human Nature
💰 Greed and Fear
🎉 The Excitement Around Blockchain Technology
📐 Alternative Measurements
fintech, payments, fintechs, darren franks, talentinthecloud, fintech south africa, fintech africa, titc, titc.io, what is fintech, fintech jobs, fintech explained, how payments work, future of banking, future of finance, future of payments, fin tech, fintech 101, top fintech companies, best fintechs africa, b2b fintech, fintech companies, fintech industry, economy, economist, Dawie Roodt, Award winner, CBDCSouth Africa

Dawie Roodt's Website: https://www.dawieroodt.co.za/
Darren Franks' Linkedin: https://www.linkedin.com/in/darrenfranks/
Titc.io's Website: https://titc.io/

Everyday AI: Your guide to not only learning AI, but how to leverage it in business
Can't keep up with AI? We've got you. Everyday AI helps you keep up and get ahead.

Listen on: Apple Podcasts Spotify

In this episode, we sit down with Koen Vanpraet, Group CEO of PXP Financial. PXP Financial aims to stay ahead of the game through innovation, new technologies and solutions to create a first-class payment experience for their customers. Koen discusses all things FinTech, tips on selling technology, and the challenge with merging two businesses.

TalentintheCloud's Website: https://talentinthecloud.io/

TalentintheCloud's LinkedIn: https://www.linkedin.com/company/talentinthecloud/

Koen Vanpraet's LinkedIn: https://www.linkedin.com/in/koenpvanpraet/

PXP Financial's Website: https://www.pxpfinancial.com/

Stacey Japhta's LinkedIn: https://www.linkedin.com/in/staceyjaphta/

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In this episode, Darren chats with Mariam Cassim, CEO of Financial and Digital Lifestyle Services at Vodacom. Financial and Digital Lifestyle Services.
With a main focus on all things SuperApp, we get a full rundown of what a SuperApp is, its use cases, competition and data privacy.
Super Apps: Your One-Stop Virtual Mall

Imagine having an entire shopping mall at your fingertips, tailored to your unique lifestyle and preferences. This is precisely what super apps offer—a one-stop virtual mall experience that combines convenience, functionality, and endless possibilities.

In the digital age, super apps have become a ubiquitous presence, redefining how we engage with technology and access a multitude of services. Whether you're looking for entertainment, shopping, communication, or financial solutions, super apps aim to be the go-to destination for all your needs.

Finding the Anchor Use Case

Super apps are not just a random amalgamation of services; they typically start with a core use case that becomes the driving force behind user engagement. This anchor use case acts as the entry point to a broader ecosystem, gradually expanding to offer a diverse array of services.

Competition and Differentiation

The super app landscape is fiercely competitive, with various players vying for dominance in specific niches or demographics. Tech giants such as Google and Apple have also thrown their hats into the ring, recognizing the immense potential of these versatile platforms.

Data Privacy and Ethical Use

In an era where data is often likened to the new oil, safeguarding user information is of paramount importance. Super apps are no exception to this rule. Users expect their data to be handled with the utmost care and responsibility.

The Power of Mobile Network Operators

One intriguing aspect that sets some super apps apart is their association with mobile network operators. These operators, like Vodacom, have a unique advantage—access to an extensive database of customer information. They can harness this wealth of data to provide personalized services and contribute to financial inclusion.
🛒 Super Apps: Your One-Stop Virtual Mall
⚓ Finding the Anchor Use Case
💪 Competition and Differentiation
💼 Data Privacy and Ethical Use
📡 The Power of Mobile Network Operators
Mariam Cassim's LinkedIn: https://www.linkedin.com/in/mariam-cassim-ca-sa-mba-cum-laude-7ab41724/
Vodacom's Website: http://www.vodacom.co.za/sl/FurtherTogether
Darren Franks' Linkedin: https://www.linkedin.com/in/darrenfranks/
Titc.io's Website: https://titc.io/

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In this episode Catherine Brassell speaks to Jeremy Toyne, CEO of TalkRemit in the UK.
TalkRemit is the trusted global remittance solution for sending money quickly and securely to loved ones abroad. Their innovative money transfer and instant chat service offers the flexibility to suit your needs, including cash pick-up, bank deposits and mobile payments. Create an eWallet and send money on the go with their mobile app.
Jeremy discusses all things FinTech, improving business performance, leadership, and tackling the underbanked.
TalentintheCloud's Website: https://talentinthecloud.io/
TalentintheCloud's LinkedIn: https://www.linkedin.com/company/talentinthecloud/
Jeremy Toyne's LinkedIn: https://www.linkedin.com/in/jeremytoyne/
TalkRemit's Website: https://www.talkremit.com/
Catherine Brassell's LinkedIn: https://www.linkedin.com/in/catherine-brassell/

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In this episode, we sit down with Tawanda Chatikobo, Digital Channels, Strategy and Innovation, and Business Banking specialist.

Tawanda Chatikobo's Linkedin: https://www.linkedin.com/in/tawandachatikobo/
Darren Franks' Linkedin: https://www.linkedin.com/in/darrenfranks/
TalentintheClouds Website: http://talentinthecloud.io/
TalentintheCloud's LinkedIn: https://www.linkedin.com/company/talentinthecloud/