Tag: Lerato Lamola
Payments regulatory framework – fintech innovation
The South African Reserve Bank (SARB) has published the third version of its proposed amendment to the payments regulatory framework. The amendments focus on two key instruments. These include a draft exemption notice that excludes certain payment activities from constituting “the business of a bank”, and a revised draft Authorisation Framework set out in a draft directive.
Virtual asset regulation – Africa’s shift to structure
Africa is entering a defining period for virtual asset regulation. As adoption accelerates, driven by fintech innovation, remittance demand and a digitally savvy youth population, governments across the continent are recalibrating their regulatory posture.
Fintech trends redefining Africa’s digital finance ecosystem
Looking ahead to 2026, fintech will transform how financial services are delivered and accessed. Rapid technological innovation and shifting market dynamics drive this change. Key areas include machine learning, payments, crypto and blockchain, open finance, embedded finance and investment platforms.
SARB payment regulation drafts – future or fix?
In meeting its policy commitments and addressing regulatory challenges posed by the rising prominence of non-bank payment operations, the South African Reserve Bank (SARB) published two draft documents in the first quarter of 2025. In their policy document, colloquially referred to as Vision 2025, the SARB presents its vision for modernising South Africa’s National Payment System (NPS).
