Finance Monthly Global Awards 2022 South Africa 19 www.finance-monthly.com will allow a small limit – and then, based on a proven payment record, allow limit increases over time that meet both the company risk profile and the customer's affordability situation. Since the APlus card supports sales in our retailers, it is in our interest to keep customers current on their accounts and support them should they fall into arrears. We believe that we help customers to build a solid credit record that will stand them in good stead one day when they may require further credit, such as home loans and vehicle finance (neither of which we provide). Doyouhaveanymajor projects in thepipeline that youareable to sharewithus? We have just launched our in-store card into the largest of our retail partners, Pep Stores. We will launch our BNPL product (PayD’Lay) into our eCommerce space early in 2023. As is the case in many countries, the BNPL phenomenon has taken root in South Africa as well. We believe that many younger clients see this as a means to enter the credit space with small transactions that are paid off in short amounts of time and, in so doing, do not land in a debt trap. We also believe that the younger clients form the future in-store clients, and we need to maintain our relationship with them. What excites youmost about your role? The two most fulfilling aspects of my role are, firstly, providing responsible, affordable products to our client base in the retail service, helping them to live their lives with dignity and respect. You may not know that each January, when schools are about to return, more than half the purchases on our cards are for schoolwear. The second area is working with an amazing team of people. Many of us have been in this company for more than 10 years, and more than half of us have been here for more than five years. In fact, three of my colleagues have been at the company from the day I started it. Seeing staff grow, learn and become fulfilled is very rewarding.