Business Day Spotlight: Recent Episodes

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Behind the biggest business stories of the week - taking you inside key events, the movements at the top and their effects at the bottom.

An Arena Holdings production

Keywords: BDSpotlight, industry, markets, South Africa, news and views, money, success, entrepreneur, corporation, podcast

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SA’s effort to grow its place as a hub for business process outsourcing (BPO) for international businesses is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Mithum Singh, chief services officer at CCI South Africa.

Topics of discussion include: CCI’s history and business model; evolution of BPO services in SA; growth expectations for the local industry; and technology investment.

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Technology driven solutions for water, energy, and food security is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Deerosh Maharaj, executive head for energy, infrastructure and mining at Standard Bank SA’s business and commercial banking unit.

Topics of discussion include: the nexus of water-energy-food (WEF) security; issues affecting all three aspects; and Standard Bank’s client engagement around such issues.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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One company’s effort to change how people in SA move homes and furniture is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Chante Venter, founder and CEO of Wise Move.

Topics of discussion include: Wise Move’s founding and business model; competition; size of the market; training; threat of disintermediation; and future prospects.

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The use data and technology to increase return from advertising spend is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Gil Sperling, co-founder and co-CEO of Flow.

Through the discussion, the economist highlights: trends in tech based advertising; evolution of digital marketing techniques; potential of commerce media; and the returns profile.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The improving economic picture for SA households is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Dr Roelof Botha, economic adviser to Optimum Investment Group.

Through the discussion, the economist highlights: Afhri index components and research methodology; key findings from the index results; impact of interest rates on the economy; and growth expectations for the year.

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The evolution of public relations in the technology sector is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Judith Middleton, CEO of Duo Marketing and Communications.

Topics of discussion include: Duo’s business model and history; evolution of public relations in SA; the opportunity for doing international projects out of SA; and evolution of technology in the sector.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Peach Payments of francophone fintech operator PayDunya is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Rahul Jain, co-founder of Peach Payments, and Aziz Yérima, co-founder of PayDunya.

Topics of discussion include: rationale behind the business tie up; Peach’s geographic expansion; PayDunya’s growth in a decade; and opportunities for payments in Africa.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The business fitness and wellness in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Lisa Raleigh and Stafford Masie from the Lisa Raleigh Group (LR Group).

Through the discussion, the team discusses history of the company; make up of the product line; and international ambitions

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Finding solutions for daily challenges faced in African communities is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by and Olabisi Emmanuel, founder of SussFlow Reusable and Jean Blaise Seka, from WiseCool.

Through the discussion, the panel outlines the challenges of doing in their various countries; value of business incubation platforms; and growth plans.

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Bringing cold storage services to farmers in West Africa is the focus of this edition of Business Day Spotlight. Host Mudiwa Gavaza is joined by Afopezi Moses from AgricFresh. Topics of discussion include: challenge of doing business in Cameroon; value of business incubation platforms; and growth plans.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Thabo Tshabalala.

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Dis-Chem entry and investment in building an insurance unit is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Greg Smith, CEO of Dis-Chem Life.

Topics of discussion include: the rationale for Dis-Chem entry into life insurance; the group’s financial services ambitions; making use of various distribution channels; and the importance of data for an insurer.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Octa analyst MJ Givens Kgasi shares insights to help online traders position themselves and adapt their strategies for success in a volatile market.

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Standard Bank’s investment in technology is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Khomotso Molabe, group chief information officer (CIO) for Standard Bank’s retail operations.

Topics of discussion include: the use of technology to improve customer experience; growth of AI; product development cycles; and the place of bank branches.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The value of practical experience in technology learning is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Jessica Hawkey, MD of redAcademy.

Topics of discussion include: redAcademy’s business model; value of practical experience versus theory; expectations from employers; and effort to secure employment for learners.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Government’s push to growth SA’s tech startup ecosystem is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Vusi Skosana, head technology stations and manager of GCIP at TIA, and Mogale Maleka from AB Farms.

Topics of discussion include: government’s roles in growing SA’s tech ecosystem; structure of the GCIP-SA program; AB Farms’s business model; and issues holding back entrepreneurship in SA.

Since 2014, more than 200 businesses have been supported through GCIP-SA. Skosana says these technologies are vital to addressing climate change, creating economic opportunities, and building a sustainable future.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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TymeBank Chief Commercial Officer Cheslyn Jacobs has criticised South African lenders for their continued reliance on banking fees, arguing that the model is unsustainable in the long term.

Speaking with Business Day acting editor Tiisetso Motsoeneng, Jacobs positioned the app-only, Patrice Motsepe-backed bank as a challenger to the status quo.

Business Day Spotlight is a MultimediaLIVE production. Produced by Demi Buzo.

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The use of artificial intelligence (AI) to streamline recruitment and human resourcing is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Sai Govender, founder and CEO of Blue Pearl, with Nicole Adriaans, business executive for data and analytics at iOCO.

Topics of discussion include: BlueApp’s model; development of AI in human resources; rationale for use IBM’s AI models; and outlook for the sector.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Discovery’s use of artificial intelligence (AI) in healthcare is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Dr Ron Whelan, CEO of Discovery Health.

Topics of discussion include: Discovery’s implementation of AI in healthcare; ways in which data can be used to shift behaviour; strategy; and parallels with mapping systems.

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Dealing with a large number of investment products and options in financial market is the focus of this edition of Business Day Spotlight.
Host Mudiwa Gavaza is joined by Daniel dos Passos, senior portfolio manager at FNB ETFs.
Topics of discussion include the paradox of choice in investments; active versus passive investment; impact on retail versus professional investors; FNB’s use of passive products; the state of the market, and an outlook for the sector.
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The growth of alternative lending for SA’s small to medium enterprises (SMEs) is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Altesh Baijoo, MD of Flow48 SA.

Topics of discussion include: Flow48’s business model; recent fund raising activities; funds committed to SA; trends in funding SA’s SME’s; and developments in alternative lending.

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The relevance of professional learning programs in IT is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Cisco’s team: Dave Mallory, senior director for learning certifications, and Ryan Rose, director of product and development.

Through the session, the team explains the utility of professional learning programs in IT; the place of AI in continuous learning; strategy to keep Cisco certification relevant; and career development in tech.

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The growing importance of Black Friday to SA’s retail sector is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Rory Bosman, chief sales and marketing officer at Ecentric.

Through the session, Bosman shares the findings of a recent Black Friday study; retail trends according to payments data; online versus online shopping trends; strategies that companies can use to grow sales; and an outlook for the sector.

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Adapt IT's push to growth its place in the hospitality software market, is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Reginald Sibeko, MD of Micros SA, a unit of Adapt IT.

Topics of discussion include: Omegro’s acquisition of Spa Guru; the rationale for the transaction; Adapt IT current strategy around hospitality; the inner workings of various software commercial models; and opportunities for further growth.

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National transaction data, showing a dip in economic activity, is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Elize Kruger, an independent economist.

Through the discussion, Kruger shares: BankservAfrica’s recent transaction reports; a view of the recently tabled national budget for 2025; and buying and spending patterns in the country.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The growth of FNB’s digital financial planning tools, over a decade, is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Jolandé Duvenage, FNB’s chief imagineer for nav».

Topics of discussion including: growth of the platform; customers trends and usage; rationale for services offered; and the role of technology in democratising financial advice.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The growth of Discovery Bank over six years is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Hylton Kallner, CEO of Discovery Bank.

Through the discussion, Kallner highlights: the bank’s financial performance; road to profitability; technology investment; use of artificial intelligence; benefits of the Discovery ecosystem; and strategy for growth.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Artificial intelligence use cases in Africa, through an investment banking lens, is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Arun Varughese, head of telecommunications, media and technology at RMB.

Through the discussion, Varughese highlights: ways in which AI is being used in Africa; how and where African countries should be investing to make the most of the digital economy; and contribution of Africa to the development of AI models.

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The use of artificial intelligence in theatre production is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Louise Coetzer, founder and artistic director at Darkroom Contemporary.

Topics of discussion include: how AI is being used by creatives; threat of AI to the sector; business of theatre; and use of social media for promotion.

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The growth of SA as a market for Apple products is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Linda van der Nest, chief commercial officer at iStore, one of SA’s top Apple retailers.

Topics of discussion include: iStore’s business model; growth in local Apple use; pricing trends for Apple’s iPhone in SA; localising the Apple offering; and strategy.

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The growing use of stablecoins in cross-border payments is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by the team from Deus X Pay (DXP) Maria Heraty, CFO, and Richard Crook, the company’s CEO.

Topics of discussion include: DXP; growing use and adoption of the blockchain in mainstream finance; use of stablecoins for cross-border payments; and regulatory complexity.

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Business Day acting editor Tiisetso Motsoeneng talks is joined by Nedbank COO Mfundo Nkuhlu.

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The state of advertising and brand building in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by George Chen, head of strategy at Avatar Agency Group.

Topics of discussion include: the state of advertising in SA in the face growing AI use; the growth of the digital economy and its impact on advertising; challenges faced by creative businesses; and an outlook for the industry.

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The state of artificial intelligence in early 2025 is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by the team from Isazi: Dario Fanucchi, chief technology officer, and Obakeng Moepya, COO.

Topics of discussion include: Isazi’s business model; evolution of AI, machine leaving and data science; projects that the company has worked on; DeepSeek versus ChaTGPT.

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The growth card payments in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Lineshree Moodley, country head for Visa SA.

Topics of discussion include: growth of digital payments in SA; data around card use by merchants and small businesses; challenges holding adoption back in SA; and comparatives with other African countries.

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The sustainability of SA’s telecoms sector is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Nomvuyiso Batyi, CEO of the Association of Communication and Technology's (ACT).

Topics of discussion include: ACT’s constitution and mandate; main issues affecting the sector and its players; call for internet companies to contribute to infrastructure costs; possible improvements to RICA legislation; and efforts to bring more satellite providers into SA.

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The case for lowering consumer taxes for vapes in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Kurt Yeo, co-founder of Vaping Save My Life (VSML), a consumer advocacy group.

Topics of discussion include: current tax rules around vaping in SA; the place of vapes on the spectrum of tobacco products; effort to reduce nicotine consumption in the country; and how tobacco companies are responding to market pressure.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Unemployment among young doctors is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Craig Comrie CEO of Profmed.

Topics of discussion include: the plight of newly qualified doctors in SA; rationale for creating the finDR platform; funding challenges in the sector; and how medical work has evolved.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The building of a hydro power project in Eswatini is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by James Cumming, CEO of African Clean Energy Developments (ACED) and Michael Wickins, chief commercial officer at Energy Infrastructure Management Services (EIMS Africa.

Topics of discussion include: history of the Eswatini project; challenges associated with building large energy projects; ACED and EIMS Africa partnership; and expected investment trends in the sector.

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The academic and artificial intelligence (AI)-driven workplace disconnect is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Cobus Oosthuizen, dean of postgraduate studies at Boston City Campus.

Topics of discussion include: ways in which academia can keep up with changing technology; integrating AI into tertiary education; gaps in academia hampering workplace preparation; and preparing students for continuous change.

Business Day Spotlight is a MultimediaLIVE Production. Produced by Demi Buzo.

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Webull has set its sights on signing up a million SA clients within the next three years, putting China’s retail share trading platform on a collision course with Purple Group’s EasyEquities.

In this edition of the Business Day Spotlight, Business Day acting editor Tiisetso Motsoeneng is joined by Ricardo da Silva, CEO of Webull South Africa to unpack the platforms setting up shop in South Africa.

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The push to increases the number of investment vehicles domiciled in Africa is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Dorothy Nyambi, president and CEO of Mennonite Economic Development Associates (MEDA).

Topics of discussion include: factors pushing Africa out of consideration for investment vehicles; challenges faced in funding small businesses in the region; efforts to change the status quo; and an outlook for the sector.

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Lesaka Technologies’ financial performance is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Lincoln Mali, CEO of Lesaka.

Topics of discussion include: company’s latest earnings report; growth strategy for its two businesses: consumer and merchant; integrating various businesses post acquisition; and plans to grow the consumer operation.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The rise of autonomous, tech-driven mining is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Sabine Dall’Omo, CEO of Siemens Sub-Saharan Africa.

Topics of discussion include: reflections of 2025’s Mining Indaba; expected technology mining trends; Siemens interest in mining; evolution of SA’s mining sector; and automation.

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Cisco’s strategy of push growth through its partner network is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Jose van Djik, vice president for partner and routes to market for Europe, Middle East and Africa (EMEA)

Topics of discussion include: Cisco’s partner network strategy; size and scope of the network; strategy in Africa, Middle East and Europe; training programmes; trends in the sector; and

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The value of social enterprise in Africa economy is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Dadisai Taderera, co-director of Ashoka Southern Africa.

Topics of discussion include: Ashoka’s operating model; the value of social enterprise in the modern economy; realities of finding and building solutions to big social issues; and how to effectively support entrepreneurs in the space.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The economic health of SA households is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Dr Roelof Botha, economic adviser to Optimum Investment Group.

Topics of discussion include: Afhri index components and research methodology; key findings from the index results; impact of interest rates on the economy; and growth expectations for the year.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo

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Naked Insurance’s growth strategy and technology investment in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Alex Thomson, co-founder at Naked Insurance.

Topics of discussion include: Naked’s business model; differentiation in the market; plans for the company’s recently raised funds; evolution of AI; and geographic strategy.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The reality of exporting SA goods to international markets is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Luthando Vuba, executive head for international trade at Standard Bank, and Lesego Holzapfel, founder of Moedi Wines.

Through the discussion, the team outlines the Moedi’s business model; Standard Bank’s role in helping an export business; finding the right advisors for a small business; and plans to grow SA’s export market.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Braintree plan to keep growing its Microsoft focused business in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Heath Huxtable, MD of Braintree.

Through the discussion, Huxtable walks through Braintree's journey; the business model; decision to only service Microsoft; growth; plans for extending growth; talent management; and digital transformation.

Business Day Spotlight is a MultimediaLIVE Production. Editor is Demi Buzo.

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Ericsson’s strategy to ahead and relevant in Africa’s telecoms sector is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Todd Ashton, vice president and head of South and East Africa at Ericsson.

Through the discussion, topics of discussion include: Ericsson’s presence in Africa; trends driving the sector; Ericsson’s push towards greater software platforms; and development in different markets.

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The place of corporate SA in helping to treat blood cancers is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Palesa Mokomele, head of community engagement and communications at DKMS Africa.

Topics of discussion include: Mokomele outlines the history of DKMS; the fight against blood cancer; the place of corporates in helping to treat rare diseases; trends in CSI spending; and progress made in SA.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Life Healthcare R14bn sale of Life Molecular Imaging is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Peter Wharton-Hood, CEO of Life Healthcare Group.

Topics of discussion include: Peter Wharton-Hood outlines the rationale for the transaction; relationship with Lantheus; capital allocation; and investment in technology.

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Four decades after starting in Silicon Valley, Cisco’s strategy in Africa is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Francine Katsoudas, executive vice-president and chief people, policy and purpose officer at Cisco.

Through the discussion, Katsoudas outlines the group’s ongoing investment in Africa; 40 years of Cisco; the role of AI in business; and managing talent in the current environment.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Barclays strategy to growth in SA’s corporate and high net worth banking market in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Amol Prabhu, CEO for South Africa and Africa market head at Barclays.

Topics of discussion include: Barclays value compared to rival lenders; the attractiveness of Africa as a region; the size and scope of its local operations; and outlook for the coming years.

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The challenges and rewards of diskless work in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Caroline van der Merwe, co-founder and chief product officer at Jem HR.

Topics of discussion include: the state of diskless work in SA; findings from Jem’s latest study on deskless work trends; challenges faced by organisation in catering to their workforces; and the place of WhatsApp as a communication channel for employees.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The impact and cost of cyber attacks on SA’s economy is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined byHendrik de Bruin, head of SADC security consulting at Check Point Software Technologies.

Through the discussion, the expert outlines his firm’s latest findings on the economic impact of cyber attacks; ways in which attacks are taking places; and measures to reduce the risk.

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The growth of solar infrastructure projects in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Chris Haw, co-founder and executive director at SOLA Group.

Through the discussion, the team highlights Sola’s business model; the realities of developing solar projects in SA; attitudes around financing; and outlook for SA’s energy sector.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Naspers strategy to keep growing as one of the world’s largest technology investors is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Fabricio Bloisi, CEO of Naspers and Prosus.

Topics of discussion include: the group’s strategy in areas such as artificial intelligence; capital deployment; scaling up its businesses; and the place of SA in its portfolio.

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Boosting revenues for mobile operators, through revenue assurance, is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by the team from ReveNet, Johnny Robinson, chief commercial development officer, and Chris Hunter, .

Through the discussion, the team highlights ReveNet’s business model; opportunities revenue assurance; challenges facing mobile operators around fraudulent traffic; and plans for growth in the region.

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The banking sector’s role in pushing SA’s economic growth and 2025 outlook is the focus of this edition of Business Day Spotlight.
Host Mudiwa Gavaza is joined by Ndumiso Kubheka, chief economist at KH Equity Partners.
Through the discussion, Kubheka outlines the banking sector's role in SA's structural reform agenda; performance of local banks through 2024; risk appetite amongst lenders; and an outlook for 2025.
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The growth in data centres as an area of infrastructure investment is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Finhai Munzara, interim CEO of Africa Data Centres (ADC), a unit of Zimbabwean billionaire Strive Masiyiwa’s Cassava Technologies group.

Through the discussion, Munzara highlights the growth of data centres in Africa; ADC’s investment projects; drivers of data centre growth; and challenges faced on the continent.

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Government’s move to reduce unsolicited marketing communications in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Ashlin Perumall, partner in the mergers and acquisitions department at law firm Baker McKenzie SA.

Through the discussion, Perumall outlines the proposed changes to the Consumer Protection Act; possible impact on businesses; marketing practices that have necessitated the move; and advice for possible compliance when the changes come into effect.

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Investment options available for local investors to hedge against market volatility following the US election, is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Justine Brophy, the CEO of AnBro.

Through the discussion, Brophy gives a view of how local investors could look at US markets; impact of US elections on global markets; opportunities in SA; opportunities elsewhere in the world; and options for investors who want to mitigate possible volatility.

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Telkom push to dominate SA’s telecoms sector, using its infrastructure assets, is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Serame Taukobong, CEO at Telkom.

Through the discussion, Taukobong highlights Telkom’s strategy; current financial performance; capital allocation decisions; importance of infrastructure to the group’s efficiency; growth of mobile; direction of SA’s telecoms industry; and efforts to overcome negative market perceptions.

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Nedbank’s strategy for sustainability investing in small businesses is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Maluta Netshaulu, senior lead green economy portfolio for corporate social investment at Nedbank.

Through the discussion, Netshaulu highlights Nedbank’s corporate social investment strategy; the bank’s criteria for investing; the types of businesses invested in; various ways in which small businesses can used sustainability to improve their businesses.

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Liquid’s fibre expansion, in partnership with provincial authorities is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Deon Geyser, CEO of Liquid Intelligent Technologies South Africa (Liquid SA)

Through the discussion, Geyser outlines the importance of public private partnerships (PPPs); the Western Cape broadband access project; parallels with a similar project in the Eastern Cape; investment in broadband infrastructure; and ways in which the digital divide can be reduced.

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Jumo’s plan to grow its lending business in Africa is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Bradwin Roper, Chief of Payments Partnerships at Jumo.

Through the discussion, Roper outlines Jumo’s business model; use of AI in scoring customers; role of fintech in pushing financial inclusion; ways in which the company has been able to have a low default rate; and opportunities for growth.

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Uber’s investment in sustainable mobility and electrification in the markets in which it operates is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Frans Hiemstra, Uber’s GM for the Middle East and Africa.

Through the discussion, Hiemstra outlines Uber’s sustainability efforts; partnership with Prince William’s Earthshot Prize; electrification goals; how such plans are being implemented in various countries; and challenges holding back progress in different countries.

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The impact of the recent mid term budget on ordinary South Africans is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Bertie Nel, head of financial planning and advice at Momentum.

Through the discussion, Nel underscores the importance of understanding the MTBPS for effective household financial planning; ongoing consumer pressure in the country; the impact of rising living costs and borrowing costs on decision making; and importance of financial advice.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The emergence of pay-as-you-go vehicle access in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by the team from FlexClub: Tinashe Ruzane, co-founder and CEO; Idan Jaan, co-founder and COO; and Howard Sommerfeld, co-founder and CTO.

Through the discussion, the team outlines FlexClub’s business model; the partnership with Zeda; evolution to prepaid or pay-as-you-go vehicle access; and technology powering the platform.

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An examination of Capitec’s founding, business model and strategy is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by financial journalist, TJ Strydom.

Through the discussion, the panel examines Capitec’s history; business model; evolving product suite; market force; competitive landscape; and potential for the future.

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Network International’s plan to grow digital payments use in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Mpho Sadiki, group MD for merchant solutions in Africa at Network International.

Topics of discussion include: the future of payments in South Africa; Network by Payfast’s strategy; competition; and the company’s fee structure.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Opportunities for investment in SA equities is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Charl de Villiers, head of equities at Ashburton Investments

Through the discussion, De Villiers outlines their equities fund performance; outlook on the SA economy; opportunities for investors in local equities; and factors driving the fund managers’ optimism.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Telkom efforts to grow its venture capital portfolio in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Tshepo Phetla, head of business development at Telkom

Through the discussion, Phetla highlights ⁠Telkom’s investment in startups; investment focus; case studies and success stories in the portfolio; fund structure; and plans for the future.

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The value corporate support for small business business growth is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Laurian Venter, sales director at OneDayOnly.co.za

Through the discussion, Venter unpacks OneDayOnly’s business model; ways in which large corporates can help to grow small business; the take up of e-commerce amongst SMEs in SA; the platform’s sales strategy; and trends in the sector.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The value and growth of SA’s township economy is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Bulelani Balabala, founder of The Township Entrepreneurs Alliance (TEA).

Topics of discussion include: the size and scope of the informal sector; the country’s relationship to townships; opportunities for small businesses; ways in which consumers and corporates can show support; and the place of alternative finance models.

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The state of SA’s education systems and impact to the economy thereof is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Dr Corrin Varady, education analyst and CEO of IDEA.

Topics of discussion include: the main challenges affecting SA’s education sector; addressing access to quality education; economic impact of a poor education system; and the place of technology in plugging the gaps.

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Absa’s strategy to lead in technology use amongst SA’s retail bank is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Thato Matolong is managing executive for technology and operations at Absa Everyday Banking.

Through the discussion, the banker explains Absa’s tech focus; investment in improving customer satisfaction; relationship with Salesforce; place of AI in banking; and trends from the bank’s data.

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The alcohol industry’s contribution to SA's economy, is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Dr. Shamal Ramesar, head of research at the Drinks Federation of South Africa (DF-SA).

Topics of discussion include: how the full alcohol value chain contributes to the economy; employment; opportunities for alcohol producers; tax contributions; growth over time; and efforts to encourage responsible drinking.

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Tetra Pak’s push to grow its packaging business in SA, while investing in sustainable products, is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Klaus Plenge, Tetra Pak’s MD for Southern Africa.

Through the discussion, Plenge outlines his company’s business model; efforts to modernise; sustainability in manufacturing; the company product making process; and trends in the sector.

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The grow of digital payments software and systems is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Thomas Warsop, president and CEO of ACI Worldwide.

Through the discussion, Warsop unpacks the state of digital payments in different parts of the world; ACI Worldwide’s business model; payments advancements on the Africa continent versus other areas; and ideas on how the landscape will develop over time.

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The use of co-operatives as a strategy to grow SA’s small business sector is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by the team from X-Source: Mbulelo Singapi and Manfred Hintermair.

Through the discussion, the team highlights the tenets of co-operative governance in business; history of such structures in SA; success seen in other markets; challenges in making such structures more widespread; and efforts to change the status quo.

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Talk360’s strategy to grow in a seemingly crowded international phone calls market is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Dean Hiine, co-founder and MD for Africa at Talk360.

Through the discussion, Hiine outlines Talk360’s business model; the company’s recent capital raise; funding requirements for the business; strategy for growth; and trends in the sector.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Effects ways for SA’s new government to tackle growing cybercrime is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Gugu Nyanda, lead for health and public sector in Africa at Accenture.

Through the discussion, Nyanda outlines issues facing SA’s government in terms of cybersecurity; solutions for dealing with growing cybercrime; challenges holding back better protection; and lessons on how large organisations can effectively deal with change projects.

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Efforts to draw in investment and boost Botswana’s economy, is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Omphitlhetse Bobo Senosi, director at the Botswana Investment & Trade Centre, and Taona Kokera, director at Forvis Mazars

Through the discussion, the pair highlights opportunities for investment in the country; ease of doing business; attractive industries; government policy to attract investment; and effort to grow Botswana’s brand globally. .

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Vodacom’s strategy to grow its remittances offering is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Stephen Chege, group chief regulatory and external affairs officer for Vodacom.

Through the discussion, the maturity of mobile money systems is highlighted, together with possible areas of improvement; and Vodacom’s strategy to grow its remittance business.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The mindset needed for business owners to grow and succeed is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Daniel Levy, co-Founder and co-CEO of Flow.

Topics of discussion include: various mental tools that can used when growing in the business world; his own entrepreneurship; and the place of uncertainty in any entrepreneur’s journey.

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Host Mudiwa Gavaza is joined by Leon Ayo, co-founder of Sterling Bell.

Through the discussion, Ayo outlines the opportunities available to people looking to do business or have a career in Saudi Arabia; sectors and industries most receptive to people from the region; Saudi Arabia’s economic make up and growth opportunities.

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Cloud23’s ambition to dominate the enterprise cloud market in Africa is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Ram Ramakrishnan, founder and CEO of Cloud23.

Topics of discussion include: Ramakrishnan outlines Cloud23’s business model; grow of cloud technology; opportunities associated with Salesforce; and the firm’s efforts to grow in Africa.

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Effort to increase the use data and market insights for businesses in Africa is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Yaw Dwomoh, CEO of The Hive Group.

Through the discussion, Dwomoh outlines Hive’s business model; importance of data and market insights for enterprises; challenges in acquiring relevant data in Africa; and Hive’s efforts to grow in SA.

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The opportunity to grow digital payments amongst small merchants in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Anthony Usmar, head of acceptance at Nedbank.

The banker highlights efforts to increase digital payments for SMEs; reasons why cash is still dominant in SA; benefits and drawbacks of cash use; and the economic realities driving adoption.

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The move to grow one of Johannesburg’s boutique consulting firms into a large player is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Sandiso Sibisi, founder and CEO of COOi Studios.

Topics of discussion: COOi’s business model; performance since launch; trends in technology innovation; acquiring customers; and how the business has funded itself over time.

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Amazon’s progress in SA launching in May is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Rob Koen, MD of Amazon Sub-Saharan Africa.

Topics of discussion include: an outline of performance since launch; trends in consumer spending; what is proving popular; and effort to increase the range of items available for purchase.

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Bob Group’s strategy to grow in SA’s e-commerce market is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Andy Higgins, MD of Bob Group.

Topics of discussion include: Bob Group’s business model; history; areas of growth; local e-commerce trends; factors driving adoption; and the company’s smart locker ambitions.

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Mukuru’s ongoing efforts to push financial inclusion through technology is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Sandy Rheeder, Mukuru’s chief information officer (CIO).

Through the discussion, Rheeder highlights Mukuru’s business model; gaining market share in African payments; the company’s technology investment; and effort to empower more women.

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In this episode of the Business Day Spotlight podcast, Business Day deputy editor Tiisetso Motsoeneng is in conversation with CEO of Sasol, Simon Baloyi.

The newly appointed CEO is preparing to jack up the amount of money the energy giant spends towards its future, saying R1bn annual spending simply won’t cut it in a world increasingly shunning fossil fuels.

Business Day Spotlight is a TimesLIVE production. Producer is Demi Buzo.

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KWV’s strategy to grow its brandy business is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by John Loomes, CEO at KWV.

Topics of discussion include: the size and scope of KWV's operation; competitive advantages accruing to the company; size of the global brandy market; KWV’s share; and growth strategy.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Efforts to increase funding for sustainable business models in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Catherine Wijnberg, founder and CEO of Fetola, together with Maluta Netshaulu, senior lead green economy portfolio for corporate social investment at Nedbank.

Through the discussion, the team explains issues faced by SMEs in access funding for sustainably led models; the partnership created to form Hloolo; getting SMEs to become investment ready; and the evolution of sustainability in corporate SA.

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The economic reality of professional sport in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by the team from Booth Africa, Bongani Mthombeni and Matthew Booth.

Through the discussion, the team highlights, Booth Africa’s business model; areas of improvement in the local football ecosystem; the financial plight of many professional athletes following retirement; and efforts to improve grassroots access to football facilities.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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MTN strategy for growth and AI is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Ralph Mupita, group CEO at MTN.

Topics of discussion include the group’s performance over five years; plans for growth; challenges in the sector; opportunity; and thoughts around AI use in telecoms.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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MTN’s financial performance for the six month to end June 2024, is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Tsholofelo Molefe, group CFO at MTN.

Through the discussion, Molefe outlines the company’s interim results; challenges that pulled down earnings; the impact of weaker currencies; and the group’s strategy to weather the current storm.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The use of data to to improve customer experiences, a means to push up sales and other business outcomes, is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Tammy Wilson-Schultz, chief strategy officer at Wavemaker SA

Wilson-Schultz highlights Wavemaker’s business model; the trend of data led customer engagement; strategies used to boost engagement and sales for companies; and how the company has positioned itself locally.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Cell C’s move to refreshe its brand image is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Jorge Mendes, CEO at Cell C.

The discussion highlights Cell C’s rebranding; how the mobile operator is looking to position itself in the market; plans to better compete; the value and perception of its brand; and an outlook for the mobile provider going forward.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The state of SA’s economy three months after the general election is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Sanisha Packirisamy, chief economist at Momentum Investments Group.

The discussion highlights Momentum’s SA economic report for July; market perceptions of SA’s GNU; policy reforms needed to restore confidence over the long term; impact of elections; and expected interest rates cuts.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The growth in SA’s hotel and conferencing is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Gary Koetser, CEO of Century City Conference Centre and Hotels (CCCCH).

The discussion highlights the growth of conferencing Cape Town’s competitive market; CCCCH’s business model; investment into the company’s facilities; and an outlook for the sector.

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Standard Banks’s technology talent investment is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Gerald Perumal, head of strategy and enablement for Standard Bank’s technology division.

The banker highlights the place of hackathon’s in Standard Bank’s talent acquisition and product development strategy; the bank’s current technology investment philosophy; staff retention; and growth of financial technology.

Business Day Spotlight is a MultimediaLIVE Production.Producer is Demi Buzo.

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A push to expand s is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Bongani Sithole, CEO of 54 Collective.

Topics of discussion include: 54 Collective’s rebranding; strategy for investing in African startups; the state of venture capital investment on the continent; and the influence of high interest rates on startup funding.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The security risks associated with digital payments is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Chris Boxall, FNB’s head of card transact and fraud detection.

Topics of discussion include: the growth of digital payments; trend in payments technology; ways in which people are being targeted; different methods of attack and compromise; and how people can protect themselves from needlessly losing money.

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The economics of tokenisation financial assets and instruments is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Wiehann Olivier, a partner and fintech & digital asset lead at Forvis Mazars in SA.

Topics of discussion include: how tokenisation has developed over time; value of the Etherium blockchain; asset classes suited to this type of interaction; adoption in SA and other parts of the world.

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Online learnings platforms that continue to grow beyond the pandemic years is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Lauren Anderson, co-founder and CEO of Koa Academy.

Through the discussion, Anderson outlines Koa’s business model; drivers of growth; the company’s investment in technology; learning trends; and the place of artificial intelligence (AI) in the classroom.

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The state of savings in SA is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Babalwa Nonkenge, head of retail investments at Nedbank.

Topics of discussion include: challenges in having funds for saving in the country; the economic reality for many South African; ways in which people have more financial discipline; trends in personal finance; and the support that banks can give.

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A look at the SA's economy, two months after a historic election result, from an investor’s perspective is the focus of this edition of Business Day Spotlight.

Host Mudiwa Gavaza is joined by Jacques Conradie, CEO of Peregrine Capital.

Through the discussion, Conradie outlines Peregrine’s investment strategy leading up to elections; reviews the performance of its funds in the first half of 2024; trends in global technology; local versus international investments; and outlook for the rest of the year.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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MTN’s technology strategy and investment is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Mazen Mroue, group chief technology and information officer at MTN.

The discussion highlights: technology planning for MTN; deployment of 5G technology; closing coverage gaps in rural areas; the place of satellite; and artificial intelligence (AI).

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Increasing interoperability between mobile money and card systems as a means to broaden Africa’s access to the global financial system is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Christian Bwakira, group chief commercial officer at Onafriq.

The discussion highlights: Onafriq’s efforts to increase mobile money penetration in Africa; challenges faced by Africans using mobile money to transact online; opportunities for remittances; and increasing interest from global payments providers.

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Radisson’s plans to grow its hotel business in SA is the focus in this edition of the Business Day Spotlight.
Topics of discussion include: Trappler highlights Radisson’s business model; plans for growth; the impact of a macroeconomic downturn on the travel sector; funding growth in a high interest rate environment; and factors driving traffic to hotels.
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Demand for billions of rand in sustainable finance does not yet match the urgency of climate change, says Absa’s head of responsible finance, heaping pressure on President Cyril Ramaphosa’s government to push through policies aimed at bridging the gap.

In this episode Business Day Deputy Editor Tiisetso Motsoeneng is joined by chief sustainability officer at Absa Punki Modise.

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Cisco’s strategy to continue growing its business in SA in economic downturn is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Smangele Nkosi, GM of Cisco SA, at the company’s offices in Midrand’s Waterfall Precinct.

Topics of discussion include: Cisco’s current position in SA; global position around AI; the company’s current technology investments; relationship with partners; and efforts to increase tech skills in the country.

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The economics around reading and increasing literacy in SA takes centre stage in this focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Chris de Beer, director at Qualibooks Group.

Topics of discussion include: Qualibooks business model; trends around reading and literacy in SA; effort to improve literacy rates; challenges around access to reading material; and the place of digital platforms in closing the access gap.

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Raising capital through tokenisation, underpinned by blockchain technology, is the focus in this edition of the Business Day Spotlight.
Host Mudiwa Gavaza is joined by Connie Bloem, co-founder and executive head at Mesh.Trade.
The discussion highlights: raising capital through tokenisation; Mesh.Trade’s business model; how tokens are being applied to real-world assets and fund raising; global trends; and the outlook for the sector.
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The evolution of SweepSout’s business over 10 years in SA is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by the team from SweepSouth: Aisha Pandor, co-founder and former CEO; and Lourandi Kriel, the new CEO.

The discussion highlights: the development of SweepSouth's business over the last decade; profitability; growth plans; opportunities available in different markets; leadership changes; and fundraising efforts.

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Instant payment for businesses in SA is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by a team from Standard Bank’s corporate and investment bank: Stuart McDermid, executive head for product solutions, together with Nthabiseng Mohale, manager for interbank and regulator forums.

The discussion highlights: Standard Bank’s instant payments platform for corporate clients; the growth PayShap since inception; challenges associated with merchant payments; and the bank strategy to get businesses on to the platform.

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The growth of index tracking backed investments in the realm of employee and corporate funds is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Kgotso Thipa, head of investment distribution and servicing at Liberty Corporate Benefits.

The discussion highlights: the size of Liberty’s index tracking portfolios; how passive investment strategies contribute to achieving financial goals; growing demand from pension funds for effective index tracking options; insights and lessons learned from the past decade; and possible future trends.

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The economics of SA’s funeral insurance sector in 2024 is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Clinton Macdonald from KGA Life.

The discussion looks at: economics of funeral insurance in SA; headwinds facing the industry; competition; technology investment; and an outlook for the sector.

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Strategies around banking technology, in service of greater financial inclusion, in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Heidi Custers, digital transformation director at Backbase.

The discussion examines some of the fundamental shifts banks can take towards servicing customers better; demographic factors working in favour of Africa; the mobile money revolution; ways in which finance houses can make use of technologies such as artificial intelligence (AI); and an outlook for the sector.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The use of technology to increase power savings in the home in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Jon Kornik, co-founder and CEO of Plentify.

Topics of discussion include: Plentify’s business model; power consumption trends in SA; the move to increase power usage efficiency; the opportunity for smart home based businesses; and how the company has funded its operations.

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The growth and profit strategy SA’s largest listed group takes centre stage in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Ervin Tu, president and chief investment officer at Naspers and Prosus.

Topics of discussion include: the group’s road to profits; investment philosophy; development of media businesses; AI opportunities; factors affecting valuations; and the group’s strategy for growing across its portfolio.

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The rise of insurance marketplaces, driven by technology, is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Vis Govender, co-founder at Everything.Insure and group CEO at firstEquity Group.

Topics of discussion include: the structure of firstEquity Group; Everything.Insure’s business model; defining insurance marketplaces versus aggregators; trends in the sector; and strategy for growth.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The economics of SA’s consumer credit market is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Regan Adams, CEO of RCS.

Topics of discussion include: local consumer credit statistics; the market for store cards; the power of data; credit beyond the Covid-19 pandemic; and regulatory hurdles.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The journey for one of Africa’s pay TV pioneers is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by businessman Nolo Letele.

Topics of discussion include: Letele career in technology and broadcast; history of MultiChoice over the last three decades; the journey to become the continent’s largest pay TV player; and thoughts around the impending merger of MultiChoice with Canal+.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The economics of online sports betting in SA is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Sportingbet’s Retief Uys.

Topics of discussion include: Sportingbet’s business; growth of online betting in SA; use of data to increase consumer participation; popular sports; responsible gambling; and disposable incomes.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Efforts to reduce communication cost in SA is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Jorge Mendes, CEO at Cell C.

Topics of discussion include: the purpose of call termination rates and the new proposals; impacts on the local industry; whether or not this move will result in lower communication costs; and suggestions to improve the rules.

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iStore’s push to increase adoption of Mac computers in businesses is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Sudesh Pillay, executive head of iStore Business, the enterprise unit for one of SA’s top Apple retailers.

Topics of discussion include: growth in Mac use; pricing trends for Apple based systems; shifting mindsets beyond creative communities; and an outlook for the technology.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The economics of micro lending in SA is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Simphiwe Phakathi, executive head of sales and distribution at EasyPay Everywhere.

Topics of discussion include: increased demand for micro lending in SA; EasyPay’s plan to capture market share in that market; and continued pressure on consumers.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Ongoing consumer shifts towards usage as opposed to ownership of electronics is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Mishaan Ratan, co-founder and chief marketing officer at Rentoza, a subscription based e-commerce platform in SA.

The discussion include: Rentoza’s business model; growth of e-commerce in SA; consumer shift towards subscription services; and the company’s day to day operations.
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The economics of digital infrastructure, specifically data centres, is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Jan Hnizdo, CEO of Teraco Data Environments.

The discussion include: Teraco’s business mode; linvestment case for digital infrastructure; technologies driving data centre development; investor interest in the space; and Teraco’s investment in energy security.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Key economic factors ahead of SA’s May 29 general elections is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Ndumiso Kubheka, chief economist at KH Equity Partners.

The discussion include: economic considerations ahead of local elections; importance of the US election; monetary policy implications; concerns for businesses and consumers; and the place of artificial intelligence in policy development.

Business Day Spotlight is a MultimediaLIVE Production. Producer Demi Buzo.

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Opportunities in SA’s creative industries, specifically film, television and gaming, is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Micky Wostenholm, director at Talent10 Holdings.

The discussion include: Talent10 ambitions in film, gaming and television; opportunities in the creative sector; the investment case for such projects; the state of SA’s creative sector; and the industry’s contribution to the local economy.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The growth of independent telecom tower companies is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Raul Katz, a researcher and president of consulting firm Telecom Advisory Services.

The discussion include: the business of independent tower companies; history of telecoms infrastructure strategies; economics of owning cellphone towers; and investor appetite for such projects.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The Junior Indaba is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Mihlali Sitefane, founder of law firm, Sitef & Co.

The discussion include: distinguishing between the Mining Indaba and the Junior Indaba; Sitef & Co’s business model; opportunities for mining in SA; and challenges facing small players in the sector.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The economics of industrial property is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Dean Shillaw, MD at Impact North and Mark Truscott, head of leasing at Improvon.

The discussion include: Improvon’s business model; investments in Kenya; economics of industrial property; tax benefits and other incentives for special economic zones; and strategy.

Business Day Spotlight is a MultimediaLIVE Production.

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The path to profitability for one of say’s largest fintech players is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Jeff Parker, CEO of Paymentology.

The discussion outlines the company’s journey over the years; business model; raising capital; and the current make up of the business.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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SA’s tech skills shortage for women is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Thoko Miya, CEO of GirlHype.

Topics of discussion include: GirlHype’s mission and purpose; the organisation’s operating model; challenges facing women in tech; and details of SA’s tech skills shortage.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The business of foreign exchange (forex) is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Harry Scherzer, CEO of Future Forex.

Topics of discussion include: Future Forex’s business model; standard practices and pricing of banks in this market; regulations governing the movement of money; and strategies to win customers.

Business Day Spotlight is a MultimediaLIVE Production

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Amazon’s strategy to win SA’s competitive e-commerce market takes centre stage in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Robert Koen, MD of Sub-Saharan Africa at Amazon.

Topics of discussion include: Amazon’s value for customers and merchants by having a presence in SA; logistics and fulfilment; and assessment of competition.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Data led decision making is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Zimkhita Buwa, new CEO at Intellinexus, together with company founder, Jacques du Preez.

Topics of discussion include: Intellinexus; evolution of business intelligence; using data for decision making; and the role of AI.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Passive investments and tracking indices is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Daniel Dos Passos, senior portfolio manager at RMB Indexation.

Topics of discussion include: active versus passive investment; FirstRand’s use of indexation products; state of the market; alternative investments; and an outlook for the sector.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Technology, media and technology (TMT) is the focus in this edition of the Business Day Spotlight.
Host Mudiwa Gavaza is joined by Chele Moyo, TMT coverage banker at Absa CIB and Barbara Asafu-Adjaye, head of TMT at Absa Ghana.
Topics of discussion include: the African Union Digital Transformation Strategy, importance of digital infrastructure and connectivity on the African continent, the role of mobile money and financial inclusion; the striking a balance between technological advancement and socio-economic priorities.
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The economic implications of artificial intelligence use in music is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Chola Makgamathe, general manager for legal service at the SA Music Rights Organisation (SAMRO). She also serves as chairperson of the Copyright Coalition of SA.

Makgamathe highlights the current trends, discussions and potential impact of AI use in music and the broader creative industry. Creative industries are estimated to contribute up to 5% of GDP in SA.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Artificial intelligence (AI) development with a telecoms operator is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Stefan Steffen, group head of data and AI at Telkom.

He highlights what AI means for Telkom and the broader telecoms context industry; realities involved in commercialising AI systems; and making clear the relationship between AI and data.

Business Day Spotlight is a MultimediaLIVE Production.Producer is Demi Buzo.

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Cuts in tax incentives for foreign film and television projects is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Nick Cloete, Animation SA’s head of policy and outgoing National chairperson; Paul Raleigh, director at Hollard Film Guarantors; and Ayanda Sibisi, interim general secretary the Independent Producers Organisation (IPO).

Topics of discussion include: government move to cut tax incentives for foreign film projects; SA’s ability to compete with other countries for big budget projects; and how producers are working to engage the state on these matters.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The state of SA’s property sector in the second quarter of 2024 is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Andrew König, CEO of Redefine Properties.

Topics of discussion include: current state of the property sector; trends driving activity; impact of higher interest rates on operations; and engagements with employees.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Investment in satellite communication is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Kyle Whitehill, CEO of Avanti Communications.

Topics of discussion include: the development of satellite technology over 25 years; the growing popularity of low orbiting satellites; partnerships with telecoms operators; and drivers of investment in telecommunications infrastructure.

Business Day Spotlight is a MultimediaLIVE Production.

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Digital protections for SA’s small business sector is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Reabetswe Motsamai, marketing and communications manager at MakwaIT Technologies.

Motsamai outlines the economic impact of South Africa's high cyber exposure; why SMEs are vulnerable to cyber threats and the resulting operational impacts; how business owners can implement proactive cybersecurity measures.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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A new R1bn venture capital (VC) fund looking to shake up SA tech investment is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Conducive Capital founders Clive Butkow and Mitchan Adams.

Topics include: developments in a number of areas such as trends in raising capital; challenges in finding capital; evolution of VC investing; the value of VC to SA’s economy; how to grow SA’s technology ecosystems; and an outlook for the sector.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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New IT governance laws set to come into later in 2024 are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Guy Krige, Executive Risk Consultant at Escrowsure.

Topics of discussion include: an outlining new IT laws that will soon affect SA’s financial services industry; the mechanics of software escrow services; challenges in becoming compliant; and possible impact on procurement practices.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Effort to grow small businesses in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Nobesuthu Ndlovu, director of SME at Old Mutual.

Topics of discussion include: challenges faced by small businesses in the country; pushing SME growth and profitability; and the significance of supporting SMEs owned by marginalized groups.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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The economics of sports and entertainment in 2024 is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Tony Simpson, partner and global head of sport at Oliver Wyman.

Topics of discussion include: value of sport to an economy; broadcast rights; growth of sports streaming; the place of soccer in global sport; and shortcomings of Africa soccer industry.

Business Day Spotlight is a MultimediaLIVE Production. Producer Demi Buzo.

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Sony’s premium consumer electronics business is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Jobin Joejoe, MD for Sony Middle East and Africa (MEA).

Topics of discussion include: Sony’s business in the region; pricing strategies; SA as a market for consumer electronics; and technologies that Sony is investing in.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Planet42’s ongoing push to dominate vehicle subscriptions is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Eerik Oja, CEO and co-founder of car subscription service Planet42. Oja outlines his company’s funding and strategy.

Topics of discussion include: Planet42 funding efforts; the evolution of vehicle subscriptions in SA; opening a physical car shop; competition; and the company’s investment technology.

Business Day Spotlight is a MultimediaLIVE Production. Producer is Demi Buzo.

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Telkom’s research and development (R&D) strategy takes centre stage in this edition of the Business Day Spotlight. Our host Mudiwa Gavaza is joined by Tsabi Molapo, executive for research and innovation at Telkom, one of SA’s largest telecoms operators. Topics of discussion include: Telkom strategy around R&D the company’s method for solving its own challenges through technology; emerging technologies; and building commercial models. Business Day Spotlight is a MultimediaLIVE Production.

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Artificial intelligence use in corporates and large businesses is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Ria Pinto, country manager and technology lead for SA at IBM.

Topics of discussion include: defining AI in 2024; data from IBM’s recent AI computing study; use cases for AI in corporates; and the talent shift needed to make the most of the technology.

Business Day Spotlight is a MultimediaLIVE Production.

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Temporary and seasonal employment strategies is the focus in this edition of the Business Day Spotlight.
Our host Mudiwa Gavaza talks to Quintus Sliep, MD of Worldwide Staffing.
Sliep explains the strategies that companies use to expand capacity; employment trends in SA; the impact of technology on hiring decisions; and the place of permanent employment in the current environment.

Business Day Spotlight is a TimesLIVE Production.

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Honor’s business strategy in SA is the focus in this edition of the Business Day Spotlight.
Our host Mudiwa Gavaza talks to Fred Zhou, general manager for Honor SA.
Topics of discussion include: the size and scope of Honor’s business; strategy for SA; the company’s local product range; and challenges faced by the business.
Business Day Spotlight is a TimesLIVE Production.

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Advertising business, Avatar Agency Group is helping to position and grow Absa’s business. In this edition of the Business Day Spotlight, we talk to the man at forefront of making this happen.

Our host Mudiwa Gavaza talks to Zibusiso Mkhwanazi, co-founder of Avatar and executive chair at M&N Brands.

Topics of discussion include: the size and scope of Avatar’s business; the role of technology and AI in storytelling; the state of advertising in SA during the pandemic; the place of radio, television and print advertising in a digital economy; and challenges faced by creative businesses.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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Trading in local BEE share schemes is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza talks to Anthony Wilmot, founder of The Integrated Exchange (I-Ex).

Topic of discussion include: I-Ex’s history’s and strategy; trade in local BEE schemes; MultiChoice’s Phutuma Nathi; and I-Ex’s expanded offering.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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The use of artificial intelligence (AI) in market research is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza talks to Mike Abel, non-executive chair of Sens.

Topic of discussion include: Sens’s business model; the concept of behaviour tech; opportunities for market research; and plans to grow the platform locally and internationally;

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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Barriers keeping more people in SA from owning a home is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza talks to SA Home Loans COO, Zakheni Dlamini.

Topic of discussion include: the latest in home loan trends; barriers to entry for South Africans looking to own property; outlook for 2024; together with advice for current and prospective homeowners.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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Samsung SA’s consumer electronics strategy for 2024 takes centre stage in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza talks to Samsung SA’s vice-president for consumer electronics, Michael van Lier, at the company’s office in Johannesburg.

Topic of discussion include: Samsung’s consumer electronics strategy for 2024; the impact of the economic downturn on consumers; trends in TV technology; artificial intelligence; and .

Business Day Spotlight is a TimesLIVE Production.

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Short term and contract work trends are the the focus of this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Gary Silbermann, co-founder and innovation director at One Degree.

Topic of discussion include: One Degree’s business model; the trend towards contract work; dynamics affecting permanent work; and strategies for making use of short term contracts.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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State of local venture capital (VC) and private equity (PE) is the focus of this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Tshepiso Kobile, CEO of the South Africa Venture Capital and Private Equity Association (SAVCA).

Topic of discussion include: what is the difference between PE and VC in SA; trends shaping the market; the level of deal flow in SA; and the ease of Why are so many founders having to leave SA access funding?

Business Day Spotlight is a TimesLIVE Production

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Seacom’s strategy to win in the IT services arena and evolution of telecoms infrastructure is the focus of this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Alpheus Mangale, Seacom’s group CEO.

Topic of discussion include: Seacom’s shift in business strategy; the company’s plan to acquire businesses; what it takes to compete in the managed IT services market; and how the group is funding its growth.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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KPMG CEO Ignatius Sehoole, has called for harsher punishment for auditors who knowingly sign off incorrect audit reports, saying they should go to jail and authorities must “throw away the key”.

Sehoole, who took over the reins at KPMG in 2019, told Business Day Deputy Editor, Tiisetso Motsoeneng, he had no sympathy for people involved in corruption and fraud, and who intentionally misled investors, the public and regulators.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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The use of e-commerce in food and pet care is the focus of this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Tineiwo Muzenda, e-commerce national key account manager at Mars Multisales Southern Africa.

Topic of discussion include: Mars’ strategy around e-commerce in SA, how does this compare to other parts of the world; the partner ecosystem and which products have done well locally; and data around consumers buying behaviours.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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A look back at the 2024 national budget through the lens of a large energy company is the focus of this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Aluwani Museisi, newly appointed country chair of Shell SA.

Museisi gives his impressions of the budget; Shell efforts to grow in solar; the impact of load-shedding on the companies local operations; ways in which the company is mitigating the risks posed by load-shedding; oil prices; and the impact load shedding on fuel sales in SA.

Business Day Spotlight is a TimesLIVE Production.

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SA’s success in the global customer support and technology investment is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by John Watling, the CEO of Nutun.

Topics of discussion include: Nutun’s business model; the company’s growth strategy; reasons for SA’s success in the global BPO market; technology investment.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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The growth of online marketplace for business to source goods and services is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by the team from Zandaux: founder and CEO Franck Obambi Ngatse, and CTO Dennis Reumer.

Topics of discussion include: Zandaux’s history and business model; challenges faced in Africa’s cross border trade; the company’s strategy for growth; plan for an upcoming funding round; and technology investment.

Business Day Spotlight is a TimesLIVE Production.

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Business confidence in SA is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Richard Downing, an economist with the SA Chamber of Commerce and Industry (SACCI).

Topics of discussion include: the latest results around business confidence in SA; factors driving sentiment;SA’s monetary and fiscal policy agenda; and the impact of elections on business confidence.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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TCL’s strategy to win over SA’s budget smartphone market, beyond its Alcatel name plate, is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Ernst Wittmann, regional manager for Southern and East Africa at TCL.

Topics of discussion include: the history of TCL in SA; plans to phase out the Alcatel brand; factors driving growth in the budget smartphone market; and pricing strategies.

Business Day Spotlight is a TimesLIVE Production.

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A review of the recently held Mining Indaba is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Chris Green, managing partner at Hogan Lovells.

Topics of discussion include: challenges faced in Africa’s mining sector; contribution of mining to economic output; the use of technology in exploration; and the role of sustainability in the sector.

Business Day Spotlight is a TimesLIVE Production.

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Diversifying investment portfolios through xchange traded funds (ETFs) is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Kingsley Williams, chief investment officer at Satrix, one of SA’s biggest providers of index-tracking investment solutions.

Topics of discussion include: the state of ETFs in 2024; Satrix decision to list two new funds; and factors currently affecting investment decisions.

Business Day Spotlight is a TimesLIVE Production.

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Online video streaming and growth of artificial intelligence (AI) is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Kumbirai Gundani, head of technology, media and telecommunications at Standard Bank’s corporate and investment banking (CIB) unit.

Topics of discussion include: development of technology infrastructure in SA; opportunities for businesses; development of video streaming and how technology companies can define use of AI.

This is the second in a two part discussion with Gundani.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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Opportunities made possible by communications infrastructure in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Kumbirai Gundani, head of technology, media and telecommunications at Standard Bank’s corporate and investment banking (CIB) unit.

Topics of discussion include: development of telecommunications infrastructure in SA; opportunities for operators and funders; and how technology companies can make the most of local networks and the internet.

This is the first in a two part discussion with Gundani.

Business Day Spotlight is a TimesLIVE Production.

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Artificial intelligence (AI) and skills to capitalise on the trend are the focus in this edition of the Business Day Spotlight.
Our host Mudiwa Gavaza is joined by Tanuja Randery, vice president and managing director of Amazon Web Services for Europe, Middle East and Africa.
Topics of discussion include: AWS’s investment in SA; the skills needed to make the most of AI in the region; ways in which AI is changing business operations; and how local companies are responding to the technology.
Business Day Spotlight is a TimesLIVE Production.

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The state of SA’s insurance market takes centre stage in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Cedric Masondo, CEO of PSG Insure.

Masondo unpacks the state of SA’s insurance industry; the impact a prolonged hard insurance market; factors driving activity for both supply and demand; and trends going forward.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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The Reserve Bank’s decision to keep SA’s borrowing costs unchanged is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza hear from experts: Hilary Joffe, editor-at-large for Business Day; Ester Ochse, product head at FNB Integrated Advice; and economists from Momentum Invest.

Topics of discussion include: the Reserve Banks rationale for keeping interest rates unchanged; outlook for inflation; and global factors affecting financial markets.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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The impact of data sovereignty on Africa's economy is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Tesh Durvasula, CEO of Africa Data Centres (ADC).

Topics of discussion include: implications of data sovereignty; developments around cloud computing and artificial intelligence (AI); and how business should be thinking around data protection.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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Growing Africa’s technology ecosystem and attracting more funding to the sector is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Andile Ngcaba, chairman of Convergence Partners

Topics of discussion include: the firm’s investment philosophy; Convergence Partners’ deal to buy Datacentrix; the growth of private equity in Africa; and the opportunities that the firm sees in tech investment.

Business Day Spotlight is a TimesLIVE Production.

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Economic resilience in a year of political uncertainty is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Ndumiso Kubheka, chief economist at KH Equity Partners.

Topics of discussion include: looking back at the economy in 2023; efforts to curb inflation and interest rates; political risk; and an outlook for the year ahead.

Business Day Spotlight is a TimesLIVE Production. Produced by Demi Buzo.

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Ways in which young people, teens and preteens, can better navigate life in a digital world is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Dean McCoubrey, the Founder of MySociaLife.

Topics of discussion include: history of MySociaLife; business model; plans for growth; and in depth analysis of issues affecting young people in online spaces.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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Pushing up digital payments is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Simphiwe Phakathi, executive head of sales and distribution at EasyPay Everywhere.

Topics of discussion include: financial inclusion; EasyPay’s plan to capture market share in the traditionally unbanked market; and a critique of the wider fintech landscape in SA.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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The proposed Tax Administration Laws Amendment Bill and its enforcement is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Ettienne Retief, chairman of the SA Institute of Professional Accountants (SAIPA)’s national tax and SARS committee.

Topics of discussion include: proposals in the new bill; history of SA’s grey listing; and ways in which government could work to enforce the laws;
Business Day Spotlight is a TimesLIVE Production

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Pushing up internet use through more affordable smart devices is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Caroline Mbugua, head of state commendation and GSMA director of public policy for Sub-Saharan Africa.

Topics of discussion include: finding from the body’s recent report; device affordability in Africa; and solutions for making smart devices more accessible.

Business Day Spotlight is a TimesLIVE Production, produced by Demi Buzo.

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Growing sophistication in digital security in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Andrew Moodley, chief digital officer at Axiz.

Topics of discussion include: cybersecurity risks driven by factors like rapid digital transformation, remote work trends and growing artificial intelligence (AI) use.

Business Day Spotlight is a TimesLIVE Production.

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Digital and cyber threats for businesses in SA is the focus in this edition of the Business Day Spotlight.
Our host Mudiwa Gavaza is joined by David Emm, principal cybersecurity researcher at Kaspersky.
Topics of discussion include statistics around growing digital threats in SA; the evolution of cyber attacks in the Africa region; and the threat posed by growing artificial intelligence (AI) use.
Business Day Spotlight is a TimesLIVE Production.

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Former Eskom CEO Andre de Ruyter laid out challenges facing the newly appointed CEO of the ailing power utility, saying the state-owned company will be back at Treasury in 3-4 years for bailouts unless the tariffs matched the cost of electricity generation.
Speaking to Business Day Spotlight podcast, de Ruyter said the bailout was necessary, but not sufficient, to turn around the utility, which is saddled with R400bn-plus of debt and plagued by breakdowns at its ageing coal-fired plants.

Business Day Spotlight is a TimesLIVE production. The producer is Demi Buzo.

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Workday’s expansion plans for SA and Africa is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by the team from Workday: Fred Nylander, VP for North Europe and emerging markets, Pierre Gousset, VP of presales for the EMEA region, and Kiveshen Moodley, country manager for SA.

Topics of discussion include the evolution of Workday’s business model; growing use of technology in human capital and finance management; and possible disruption to the workforce by artificial intelligence and machine learning platforms.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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Artificial intelligence systems in customer communications is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Wayne Toms, CEO at GhostDraft.

Topics of discussion include: how are South African financial services players adapting to meet the demands of modern consumers; understanding the importance of customer experience; how can platforms ensure that their customer communication is effective; and effective strategies help South African banks build trust and loyalty among their customers.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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Death care and the economics surrounding funerals is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Thabisile Sethaba, co-founder and COO at SendOff Funeral App.

Topics of discussion include: SendOff’s business model; the rationale for creating such a platform; and ways in which people can be more efficient with their spending around funerals.

Business Day Spotlight is a TimesLIVE Production.

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TymeBank, SA’s first fully digital bank, may list on a major stock exchange in the next four to five years, as its valuation approaches R20bn, its co-founder and CEO Coen Jonker says.

Speaking to Business Day deputy editor Tiisetso Motsoeneng, Jonker said the bank, which launched in 2018 and has attracted more than 8-million customers, is now valued at about $965m (R17bn) after raising $105m in a funding round in recent months.

Business Day Spotlight is a TimesLIVE Production. This podcast is produced by Demi Buzo.

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Mainstream adoption of tokenisation, underpinned by blockchain technology, is the focus of this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Connie Bloem, co-founder and executive head at Mesh.Trade.

Topics of discussion include: Mesh.Trade’s business model; the rationale for tokenisation; how tokens are being applied to real world assets; the development of alternative financial asset classes; regulation; and the outlook for the sector.

Business Day Spotlight is a TimesLIVE Production. Produced by Demi Buzo.

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Fixed income as an area of investment is the focus of this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Attila Kadikoy, managing partner of Levantine & Co Wealth Managers.

The discussion includes the state of fixed income; reasons for growth in this asset class; the appropriate type of fixed income investments; and a look at government bonds versus company paper.

Business Day Spotlight is a TimesLIVE Production.

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Mukuru’s strategy in Africa’s growing cross-border money transfer market is the focus of this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Andy Jury, CEO of Mukuru.

The discussion includes the state of remittances on the continent; regulations and how money is flowing in Africa; the importance of financial inclusivity; and the benefits of having more players in the money-transfers market.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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Vodacom’s financial services strategy is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Mariam Cassim, CEO of Vodacom Financial Services.

Topics of discussion include: Vodacom's strategy for growth in mobile payments; plans to grow remittances; importance of partnerships; and plans for future product areas.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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Black Friday through the lens of transaction data is the focus of this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Tshipi Alexander, head of card Issuing at Absa Everyday Banking and Vish Chetty, executive for payments acceptance at Absa Relationship Banking.

Topics of discussion include: Black Friday transaction data from Absa; transaction data from Payfast; trends from the retail event; the growth of e-commerce in SA; consumers seeking out value; efforts to increase digital payments; and the outlook for the year ahead.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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A consulting approach to audit is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Rhangani Mbhalati, MD of Chapu Chartered Accountants.

Mbhalati outlines their focus on helping clients with supply chain management; the consulting approach to audit; investing in experienced executives; quality assurance; and building a strong network for the business.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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The growth of car subscriptions in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Tlhabi Ntlha, COO at Avis Budget Southern Africa.

Ntlha outlines Avis’ strategy in car subscriptions; outlines the differences between car rental, subscription and lease services; details vehicle ownership trends in SA; and plan for growing the unit over time.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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Philanthropy and the economics behind it is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Jonathan Oppenheimer, South African businessman and conservationist.

The discussion reflects on the state of philanthropy in the world; the role capitalism in helping to address the world’s challenges; importance of conservation; and issues of sustainability.

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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A new partnership between Liquid and Google is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Oswald Jumira, CEO of Liquid C2 and Umesh Vemuri, VP of Strategic Pursuits at Google Cloud.

The discussion reflects on Liquid and Google’s new cloud computing partnership; what it means to operate in a multi-cloud environment; and the place of cloud in a world of artificial intelligence (AI).

Business Day Spotlight is a TimesLIVE Production. Producer is Demi Buzo.

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Visa’s push to get more small businesses to transact digitally is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Enoch Malisa,Head Merchant Sales & Acquiring Sub-Saharan Africa at Visa.

The discussion reflects on Visa’s offering as a payments provider; challenges in getting more people to use digital payments methods; and efforts being made bolster financial inclusion in SA.

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Economic considerations around healthcare access and affordability is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Deon Kotze, chief product officer at Discovery Health.

The discussion reflects on the affordability of healthcare in SA; the impact of an economic downturn on healthcare decision making; and trends around healthcare consumption.

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Uber’s strategy for growth in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Uber executives Kagiso Khaole and Nakampe Molewa.

The discussion reflects on Uber SA’s first 10 years in SA; Uber Eats’ expansion beyond food delivery; electric mobility; and the company’s bet on subscription services.

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Housing challenges in SA are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Ben Kollenberg, architect and director at Urban-Think Tank Empower (UTTE).

The discussion outlines SA’s housing crisis; factors that have contributed to the current status quo; shortcomings of the RDP program; and possible solutions to address challenges.

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The medium-term budget policy statement (MTBPS) is the focus In this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Chantal Marx, head of investment research at FNB Wealth and Investments, and Johan Werth, franchise principal and financial adviser at Consult by Momentum.

The discussion gives highlights from the MTBPS; considerations for bond and equity markets; government’s thinking around power generation; and how spend on power is weighing more on consumers and businesses.

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The evolution of banking technology is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Belinda Rathogwa, head of digital and eCommerce at Standard Bank SA.

The discussion examines some of the fundamental shifts banks can take towards servicing customers better; ways in which finance houses can make use of technologies such as cloud computing and artificial intelligence (AI); relationship with innovative fintech companies.

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Shifts in SA’s healthcare and treatment landscape are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Ronald Whelan, deputy CEO at Discovery Health.

Topics of discussion include: the state of digital health care in SA; improvements to Discovery Health’s platform; and shifts in consumer behaviour in relation to virtual and remote consultations.

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Consumer vulnerability is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Johann Van Tonder, economist and researcher at Momentum.

Topics of discussion include: the state of consumer vulnerability according to Momentum-Unisa’s index; how the index is constituted; issues affecting the economy; and an outlook for 2024.

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Payments technology success in the SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Joel Bronkowski, Country Lead South Africa at Paystack.

Topics of discussion include: Paystack’s business model; strategy for growth in the SA market; evolution of fintech in the region; and where the company sees opportunity in the sector.

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Streaming service Viu now has an average of 4-million customers use its platform each month in SA. The company’s growth in SA competitive market is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Rohit D’Silva, chief business officer for the Middle East and SA at Viu.

Topics of discussion include: Viu’s business model; the company’s performance since launching in SA; current trends in online video streaming; the value of local content; and an outlook for the sector.

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The growing mainstream use of cryptocurrencies to store wealth and trade goods is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Farzam Ehsani, VALR Co-founder and CEO.

Topics of discussion include: performance of cryptocurrencies as an asset class; sentiment around bitcoin; growing use of crypto backed payment methods; and an outlook for the sector.

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Surveillance and cybersecurity in a world of growing artificial intelligence (AI) use takes centre stage in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Steven Kenny, manager for architecture and engineering at Axis Communications.

The discussion sheds light on trends in surveillance; the various cybersecurity measures that businesses should implement to protect their operations and sensitive data; rise of AI; and deriving maximum benefits from video surveillance systems.

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Water management through technology is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Sabine Dall’Omo, CEO of Siemens Sub-Saharan Africa.

Topics of discussion include: how digital solutions can be used to address water challenges in SA; the group of internet of things (IoT) applications; and details work done with public and private sector clients.

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The opportunity to connect more African cities, thereby pushing up trade, through low cost travel is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Paul Calvey, partner and market lead for SA at Oliver Wyman.

Topics of discussion include local aviation industry data from Oliver Wyman’s; the state of low cost travel in Africa; and the opportunity to connect more cities through budget airlines as has been done in places like Europe and the US.

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Peach Payments’ plans following a large capital raise is focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Rahul Jain, CEO and co-founder of Peach Payments.

Topics of discussion include: Peach’s business model, founding and growth story; the value of having a management consulting background; raising capital; and plans for further growth.

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Environmentally friendly car washing is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Brighton Chidoma, founder of E-Wash, a local car washing service.

Topics of discussion include: E-Wash’s business model; facts, figures and metrics around car washing in SA; the growing awareness of environmental, social and governance (ESG) goals in companies; and plans for the future.

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Dismantling a culture and mindset that finds it difficult to discussion finances is a complex task. How this can be done is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Daryl Coker, advisory partner at Citadel, a specialist wealth management company providing a range of financial solutions.

The discussion outlines ways in which financial literacy can be taught from early age; highlights some of the reasons why people find it hard to discuss money; the impact of having a financially illiterate generation; and money mistakes made by professionals in their careers.

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Hedging an portfolio for growth with investment structures from a professional financial services provider is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Luvhani Makoni, Liberty’s senior specialist for technical investment communications.

Makoni shares insights on the performance of Liberty structures in the last 5-10 years. She also discusses Liberty’s ability to give investors wide exposure to alternative types of investment opportunities, while protecting them from risk and aligned with their specific financial goals.

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The growth of exchange traded funds (ETFs) in SA is the focus in this edition of the Business Day Spotlight.
Our host Mudiwa Gavaza is joined by Fikile Mbhokota CEO of Satrix, one of SA’s biggest providers of index-tracking investment solutions.

Topics of discussion include: Satrix’s business model; growth of ETFs over three decades; the cost of investing through ETFs; performance of the sector; passive versus active investment and an outlook going forward.

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Fixed income investments are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Lyle Sankar, head of fixed Income at PSG Asset Management.

Topics of discussion include: money market versus longer-dated bonds; the returns that government bonds can deliver for investors; and whether or not developed market rates are actually more attractive than local investments.

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Enterprise software development is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Andrew Bourne, Zoho’s regional head for Africa.

Topics of discussion include: history of the Zoho business; developments in the enterprise software industry; Zoho’s strategy in SA; and outlook for the local sector.

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Interest rates, property and SA economic pressure is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Herschel Jawitz, CEO of Jawitz Properties.

Topics of discussion include: history of the Jawitz business; effect of interest rates on SA’s property market; buying versus renting; and outlook for the local sector.

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The impact of recent elections in Zimbabwe on the Southern Africa region is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Louw Nel, senior political analyst at Oxford Economics.

Topics of discussion include: results of the recent Zimbabwe election; SA’s response and interaction with authorities in the neighbouring country; SADC’s report around the election; and a political outlook for the region.

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Efforts to keep local telecoms networks powered according to SA’s largest player is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Sitho Mdlalose, CEO of Vodacom SA.

Topics of discussion include: investment for network power; trends in the local telecoms sector around customer numbers, competition in the connectivity market and

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Telkom’s use of innovation in strengthening its business is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Dr. Mmaki Janties, group executive for innovation and transformation at Telkom.

Topics of discussion include: Telkom’s strategy around innovation; artificial intelligence; evolving business models for telco’s; and technology trends.

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In this edition of the Business Day Spotlight, we talk about strategies that companies can use to better protect their digital environments and systems.

Our host Mudiwa Gavaza is joined by Russell Young, cloud solution architect at Trend Micro.

Topics of discussion include: Trend Micro’s business model; effective posture management; trends and advancements in cybersecurity; hybrid cloud security; practical cases and scenarios; and thoughts about how best protect a company’s systems from attack.

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The risks associated with poorly planned and managed attempts to increase BEE scores using skills development is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Deirdre Mitchell, MD at Honeycomb BEE Ratings.

Topics of discussion include: Honeycomb history and business model; an explanation of BEE ratings in SA; dodgy consultants and skills academies; the risks associated with poorly planned and managed skills development programs.

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Developments in satellite internet access are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by David Eurin, CEO of Liquid Dataport.

Topics of discussion include: Liquid Dataport’s business model; the group’s telecoms infrastructure and capital allocation strategy; and developments in the satellite connectivity space.

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Local film and television content production is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Shirley Adonisi, M-Net's director of local entertainment channels.

Topics of discussion include: how MultiChoice decides on what content to put out; budgeting and profit considerations for local content; costs involved in producing content for steaming platforms versus traditional broadcast; the group’s approach to marketing its contett; as well as viewing patterns and trends.

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The difficulty faced by impact investors in accessing funds in Africa is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Bernard Chidzero, senior advisor to The Bridgespan Group.

Topics of discussion include: Bridgespan’s business model; challenges facing Africa-based fund managers in accessing capital for social impact; a definition of impact investing; comparisons with venture and other types of funding on the continent.

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A rethink of digital transformation in information communication technology (ICT) is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Nitesh Singh, MD of the communication, media and technology practice at Accenture Africa.

The discussion touches on digital transformation; trends in the African ICT landscape; development of telecoms business models over the years; the value of holding infrastructure; cooperation between between players; and outlook for the sector.

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Effective telecoms strategy is the focus the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Lunga Siyo, CEO of Telkom’s consumer business that houses the mobile division.

This discussion touches on Telkom’s mobile performance; network expansion plans; capital allocation; how to compete in the SA market; network sharing; and the impact of load shedding and power cuts on operations.

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The use of artificial intelligence systems to improve access to healthcare is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Vukosi Sambo, head of data and insights at AfroCentric.

This discussion touches on AfroCentric’s strategy around AI use; financial impact of using the technology; the layered approach of implementing the tech; and the ethical considerations around such use.

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In this edition of the Business Day Spotlight, boosting return on investment for taxi owners and operators, using technology, is the focus.

Our host Mudiwa Gavaza is joined by Mbavhalelo Mabogo, founder and CEO of Quickloc8, a Cape Town business specialising in technology for the taxi industry.

The discussion focuses on Quickloc8’s business model; the products and services offered by the company; challenges and opportunities for the use of technology in the tax industry; the company’s expansion plans; and thoughts around artificial intelligence.

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Saving and investing for ordinary people is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Fikile Mbhokota, CEO of Satrix, one of SA’s biggest providers of index-tracking investment solutions.

This discussion touches on SA’s savings culture; Mbhokota’s career journey; ways in which investing for ordinary people can growth in the country; and the value of finance or accounting background in one’s career.

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Strategies around banking technology are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Eshmael Mpabanga, senior manager within the financial services practice at Accenture Africa.

The discussion examines some of the fundamental shifts banks can take towards servicing customers better; ways in which finance houses can make use of technologies like artificial intelligence (AI) and automation.

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Career guidance through mentorship takes centre stage in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Cheryl Reddy, CEO of Eclipse Communications.

Reddy explores the role of mentorship in guiding the growth trajectory of young professionals; how young people conduct themselves in the workplace; setting goals for career aspiration and how to how to network effectively.

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In this edition of the Business Day Spotlight, we explore how rising interest rates directly affect consumer finances.

Our host Mudiwa Gavaza is joined by Thabani Ndwandwe, chief risk officer at Standard Bank SA.

Topics of discussion include: explaining the impact of interest rates on consumer pockets; the risks that come with interest rate hikes for different groups in the economy, including a bank; inflation trends; and an outlook for the coming year.

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MTN’s mobile money strategy is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Bradwin Roper, CEO of MTN SA’s financial services business.

Topics of discussion include: an exploration of MTN’s mobile money business in SA; the operator’s various attempts to succeed in the local market; disrupting traditional financial services mobiles; and the ongoing fight against physical cash by fintech players.

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Africa’s growing cross border money transfer market is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Tendai Tizirai, market development manager at Mukuru.

The discussion focuses on the current state of remittances on the continent; regulations and the way that money is flowing in Africa; the importance of financial inclusivity; exploring Mukuru’s new Naira bank top-up feature; benefits of simplifying money transfers process; understanding

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Buying and selling trends in SA’s used car market is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Mark Ridgway, chief technical director at getWorth.

Discussion points include: getWorth’s business model; evolution of the used car market following the Covid-19 pandemic; buying patterns amongst consumers; the rise in consumers buying cars that have not test driven yet; and an outlook for the sector going forward.

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The plight of unsupported small businesses is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Thuli Phiri, founder of The African Storyteller, a business communications and stakeholder relations management agency that operates across Africa.

Topics of discussion include: the crisis of small businesses in SA and other parts of Africa; contribution of the sector to economic development; and The African Storyteller’s business model.

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Carbon credits as a form of everyday currency is focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Paul Rowett, co-founder and CEO of Toco.

Topics of discussion include: an explanation of carbon credits and trading; differentiator of Toco; business model for platform; and how it is set to be used in SA.

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The use of digital platforms to manage teams in organisations is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Kiveshen Moodley, country manager for SA at Workday and Vinolia Singh, Adcorp’s chief people officer.

Topics of discussion include: the growing use of technology in human capital management; business models for Workday and Adcorp; and possible disruption to the workforce of artificial intelligence and machine learning platforms.

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The use of technology to change how medical prescriptions are administered in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by co-founders at EMGuidance: Dr Mohammed Dalwai and Dr. Yaseen Khan.

The team details their plans for growth; its business model; health care issues that can be solved with technology; funding requirements for the business; and expansion beyond SA’s boarders.

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The recovery of low cost air travel amidst a economic downturn is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Kirby Gordon, chief marketing officer at FlySafair.

Key points include an understanding of what domestic air travel sector can tell us about the state of the economy and health of consumer pockets; what does the market look like with less companies offering domestic air travel; how is FlySafair coping with demand; as well as its current strategy and plans for the future.

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The growing use of cash back and reward programs by cash strapped South Africans is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Dov Slowatek, CEO and founder of SavvySaver.

The discussion explores SavvySaver’s business model; the place of ‘cash’ in a digital economy; avoiding scams; and the use of artificial intelligence (AI) in reward systems.

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Our host Mudiwa Gavaza joins by said Gareth Friedlander, deputy CEO at Discovery Life.

Friedlander explains what these stats say about the health of SA consumers; dynamics around the type of claims being made; comparisons with the prior year; detailing what if the effects of Covid have completely disappeared; and an outlook for 2023.

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Pushing local artists to become a large financial force in the economy is hip-hop artist Slikour’s aim with his entry into financial technology (fintech).

Our host Mudiwa Gavaza is joined by Slikour - real name Siyabonga Metane - in this edition of the Business Day Spotlight.

Topics of discussion include: Slikour’s entry into the fintech market; ways in which local artists can be a bigger financial force to the economy; some of the financial burden carried by local creatives; and how artists can find financial freedom through creative pursuits.

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The state of the television sales market in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza joins by Michael van Lier, vice-president for consumer electronics at Samsung SA.

Topics of discussion include: the state of SA’s television market; Samsung’s share of sale in SA and globally; trends in TV technology; growth of premium offerings; and the company’s local manufacturing capacity.

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The growing importance of rural connectivity to SA’s economy is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Mark van Wyk and Morné Edas, co-managing partners of Infra Impact Investment Managers.

Topics of discussion include: Infra Impact’s business model; Infra Impact’s investment in telecoms and energy; the importance of rural connectivity to SA’s economy; and where opportunities lie in energy.

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Business development support for women owned businesses in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Mponeng Seshea, CEO and co-founder of Imizizi Evolution (IE).

Topics of discussion include: IE’s business model; how much does the fund have to invest; IE’s investment thesis; key issues holding back small businesses in SA; and challenges faced by women in entrepreneurship.

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In this edition of the Business Day Spotlight host Hajra Omarjee is joined by Rise Mzansi leader Songezo Zibi.

"National unity is a big deal for people, non racialism and no one talks about it anymore. This idea that we can unite South Africans to use their skills, experience and ability to change the future of the country is really appealing to people," said Zibi.

Zibi, a former Business Day editor and co-founder of think-tank Rivonia Circle, introduced the Rise Mzansi last month, saying it would contest the polls in 2024.

"The fundamental thing people don't like is the ANC's culture of politics and the opposition parties just take the ANC's approach with lots of promises but hardly anything in-between elections," Zibi said.

He added that mobilizing communities around issues is how Rise Mzansi intended to grow from the ground up.

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Making gas cheaper and more accessible as a source of energy, helping to reduce the impact of load shedding for households, is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Thiru Govender, head of LPG Southern Africa at Ducat Trading SA.

Topics of discussion include: Ducat’s rationale for getting into the SA’s gas market; the company’s investment in SA; quantifying the local gas opportunity; how viable is LPG as an energy source in SA; comparing SA market to other countries; and ways to improve access to gas in SA.

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Fitness and health spending in an economic downturn is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Dean Kowarski, Virgin Active group CEO.

Topics of discussion include: the group’s strategy for growth, business performance, ways in which competition has evolved in the sector, and plans for greater digital presence.

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IT system disaster recovery amidst increasing power uncertainty is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Steve Porter, MD of IronTree.

Topics of discussion include: what is disaster recovery; impact of load shedding on keeping data and other sensitive information safe; advice on how businesses - small, medium and large - can keep data safe; and

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The full effects of ongoing interest hikes on SA’s property sector is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by John Loos, property economist in FNB’s commercial property finance unit.

Topics of discussion include: reaction to the May 25 interest hike by the SA Reserve Bank; state of the local property sector; operating dynamics between commercial and residential property; and the place of lenders in the market.

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This edition of the Business Day Spotlight focus the growth and outperformance of smaller JSE listed stocks outside of the Top 40.

Our host Mudiwa Gavaza is joined by Vanessa van Vuuren, portfolio manager for the SIM Small-Cap Fund at Sanlam Investments.

Topics of discussion include: Sanlam’s small cap investment thesis; outlook for the SA economy; companies that have managed to do well in recent years; and rules around portfolio management.

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Managing credit in a high interest rate economic environment is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Magauta Mphahlele, the executive director for the South African Credit and Risk Reporting Association (SACRRA).

Topics of discussion include: pressure being felt by consumers in a high interest rate environment; advice for helping consumers to better manage their debt; and how to claw back and clear one’s credit record.

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SA’s future in international trade, as the US accuses government of assisting Russia in its war against Ukraine, is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Louw Nel, senior political analyst at Oxford Economics.

Topics of discussion include: trade relations between SA and the US; the US’s mission to get more countries to turn against Russia; SA’s place as a the most developed economy in Africa; and the growing influence of the BRICS trading bloc.

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The growing opportunity for independent power producers to help alleviate SA’s ongoing electricity crisis is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Mohamed Madhi, Country Director: South Africa at Yellow Door Energy (YDE).

Topics of discussion include: YDE’s business model; opportunities for independent power producers; YDE’s experience in other parts of the world; and an outlook for the sector.

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What can insurance claims data tell us about the health of the SA economy? That is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by: Dr Dominique Stott, Liberty's chief medical officer; Tom Crotty, lead specialist in technical marketing for risk proposition management; and Sinethemba Khoabane, lead specialist risk product development.

Topics of discussion include: Liberty’s claim statistics for 2022; insight that can be drawn from claims about the SA economy; dynamics around retail and corporate claims; and the impact of health issues.

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The growth of online financial markets trading is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Damian Bunce, chief customer officer at international multi-asset brokerage firm Exness.

Topics of discussion include: the growth of online trading; Exness’s business model; attitudes around online trading; what people are investing in at the moment; and how the market is likely to trend in future.

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Efforts to address an apparent shortage in accounting professionals is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Darren Isaacs, founder and CEO of Makosi.

Topics of discussion include: Makosi’s business model; the state of the accounting profession; efforts around staffing auditing and accounting projects; dynamics in SA versus the rest of the world; and efforts to get more professionals into the field.

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Private equity investment in Africa is the focus in this edition the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Brandon Doyle, CEO of Convergence Partners.

Topics of discussion include: the firms investment strategy; the growth of private equity in Africa; opportunity in telecoms infrastructure investment; and Convergence Partners’s focus on financial technology (fintech).

Business Day Spotlight is a TimesLIVE Production.

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The impact of interest rates and energy uncertainly on SA’s property market is the focus in this edition the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Mitesh Bhawan, MD of Broll Property’s energy, water and sustainability division.

Topics of discussion include: the state of SA’s property market in the first quarter of the year; implications of a high interest environment on the sector; and the impact power cuts on effective property management practices.

Business Day Spotlight is a TimesLIVE Production.

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The growth of mobile payments services in Africa and beyond is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Ashley Olson Onyango, head of financial inclusion and agritech at GSMA.

She outlines some of the reports main findings; factors driving the adoption and use of mobile money services in emerging market countries; dynamics of the SA market; regulation in the space; and how such platforms are being used in agriculture on the continent.

Business Day Spotlight is a TimesLIVE Production.

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Network and infrastructure sharing in telecoms is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Quintus de Beer, wholesale executive at MTN SA.

The operator wants its wholesale business to be the “go-to” network partner of choice, with MVNO being a big piece of the plan in SA.

Business Day Spotlight is a TimesLIVE Production.

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Reserve Bank governor Lesetja Kganyago urged politicians to make hard, unpopular fiscal choices to maintain the credibility of budgetary commitments as they juggle spending pressures with one of the heaviest debt loads in emerging markets.

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Cybersecurity in Africa is the focus in this edition of the Business Day Spotlight. Our host Mudiwa Gavaza is joined by the team at Check Point: Pankaj Bhula, regional director for Africa; Charnie Lee, country manager for SA; and Rudi Van Rooyen, a security engineer. Topics of discussion include: Check Point’s business in SA; evolution of cybersecurity in Africa; investment by organisations to protect themselves; and the threat brought by AI platforms. Business Day Spotlight is a TimesLIVE Production.

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Regulation for informal tourism operators is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Velma Corcoran, regional lead for Middle East and Africa at Airbnb.

Topics of discussion include: Airbnb’s proposal to government; challenges facing regulated businesses; and benefits of informal businesses to the economy.

Business Day Spotlight is a TimesLIVE Production produced by Demi Buzo.

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The establishment of a BRICS currency, what it could mean for SA and disrupting global trade is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Xhanti Payi, a senior economist at PwC.

Topics of discussion include: what would the establishment of a BRICS currency mean for SA; whether the world is ready for such a currency; trade and policy considerations; and disruptions global trade.

Business Day Spotlight is a TimesLIVE Production.

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Education technology is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Nicholas Riemer, co-founder and CEO of Nova Messenger.

Topics of discussion include: Nova’s business model; competition in the messaging space; opportunities for technology startups in education; and learnings from earlier business ventures.

Business Day Spotlight is a TimesLIVE Production. The podcast is produced by Demi Buzo.

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4Sight's eye on growth and investment in artificial intelligence (AI) is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by executives from 4Sight: CEO Tertius Zitzke and Willie Ackerman, chief sales and marketing officer.

Topics of discussion include: a review of 4Sight's full earnings report; efforts to turnaround the once ailing business; investments in AI; and plans for growth.

Business Day Spotlight is a TimesLIVE Production.

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A surprise interest rate increase is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Patrick Buthelezi, economist at Sanlam Investments.

Topics of discussion include: a review of SA's latest interest rate decision; rationale for the surprise hike in rates; and factors affecting economic growth forecasts for the year.

Business Day Spotlight is a TimesLIVE Production.

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Creating jobs in an environment of slow economic growth is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Ravi Naidoo, CEO of the Youth Employment Service (YES).

Ravi spends time discussing Yes’s model for finding employment; incentives for private sector players to take on young people into their ranks; and how companies are going about creating jobs in an environment of stagnant economic growth.

Business Day Spotlight is a TimesLIVE Production.

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Slow progress in implementing policies that would help to increase the use of electric vehicles (EVs) is the focus in this edition of the Business Day Spotlight.
Our host Mudiwa Gavaza is joined by Frans Hiemstra, Uber’s GM for Middle East and Africa.
Topics of discussion include: Uber’s electrification goals; how such plans are being implemented in various countries; and challenges holding back plans for SA.

Business Day Spotlight is a TimesLIVE Production.

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In this edition of the BD Spotlight, we look at SA's economy three years since going into lockdown.

Our host Mudiwa Gavaza is joined by Ndumiso Hadebe, chief economist at KH Equity Partners.

Hadebe focuses on the the state of the global economy; SA's place in that economy; continued risks such as inflation and interest rates; current impacts such loadshedding and greylisting, which are now the order of the day; and how the local currency during this time.

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High net worth individuals across the world, including in SA, continue to look for safe places to invest their money for stability and growth.

Our host Mudiwa Gavaza is joined by Seamus Rocca, CEO ofXapoPrivateBank, in this edition of the Business Day Spotlight.

Topics of discussion include: Xapo's business model; growth of private banking services; ways in which people can preserve and grow their wealth in the current economic environment; and increasing use cyrptocurrency as an asset class for large institutions and the wealthy.

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Affordable healthcare, through the use of technology, is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by the team from Unum Health: Tania Joffe, CEO, and Dr Phatho Zondi, the company’s COO.

Topics of discussion include: Unu’s business model; the company’s strategy to bring down healthcare costs while maintaining profitability; the use of technology and social enterprise in healthcare; and plans for an expansion into the rest of Africa.

Business Day Spotlight is a TimesLIVE Production.

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The government's latest plan to end power cuts that have blighted society sapped economic growth and soured the mood in the corporate boardroom has a face: Kgosientso Ramakgopa. Almost two weeks into the job as the electricity minister, Ramakgopa has no regrets about taking on one the toughest jobs in SA.

He sat down with Tiisetso Motsoeneng, Business Day deputy editor, to outline his plan to resolve the most pressing economic, social and political problem.

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Surveillance of critical infrastructure in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Marcel Bruyns, sales manager for Africa at Aix Communications.

Topics of discussion include: what smart technologies exist to secure SA’s water utilities; how can the application of smart surveillance help solve the country’s challenges in critical infrastructure,

What are the barriers to entry in South Africa with respect to deploying smart technologies in infrastructure?

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Efforts to bring down the cost to communicate and internet in SA is the focus in this edition of the Business Day Spotlight. 

Our host Mudiwa Gavaza is joined by Tauriq Brown, newly appointed CEO of TooMuchWifi, who discusses his aims and plans to scale the company. 

A former Rocket Internet executive and venture capitalist, Brown explains how’s the company’s business model works; problems with internet affordability in SA; actions to push up such access in poorer communities that often don’t receive much investment from internet providers; and plans for growth the Western Cape.

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In the facing of ongoing local and international economic volatility, this edition of he Business Day Spotlight focuses on performance of SA’s currency, the Rand.

Our host Mudiwa Gavaza is joined by Terence Hove, senior financial markets analyst at international multi-asset brokerage firm Exness.

Topics of discussion include: performance of the Rand so far in 2023; domestic and international factors affecting the local currency; the importance of inflation targeting by the SA Reserve Bank and an outlook for the economy.

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Data storage for businesses is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by the team at Pure Storage: Nicolas Leblanc, vice president for Europe Middle East and Africa and Rupert Brazier, country manager for SA.

Topics of discussion include: Pure Storage’s business model; the move to create new products; sustainability; security; progress in the SA market; and plans for growth.

Business Day Spotlight is a TimesLIVE Production.

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Loyalty and rewards as a way to gain and keep customers for SA businesses is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Andre Fredericks, chief executive of loyalty and rewards at Sanlam Life and Savings.

Topics of discussion include: importance of loyalty and rewards in SA; the size and usage by consumers; data gained from such programs; and how to successfully implement and structure a loyalty program.

Business Day Spotlight is a TimesLIVE Production.

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Billboards and outdoor advertising are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Neo Molefi, CEO of Indaba Billboards & Media.

Topics of discussion include: Indaba’s business model; defining outdoor media and its components; structure of the outdoor media market; challenges faced by smaller players; and ways in which more business can be channeled beyond the top operators in the space.

Business Day Spotlight is a TimesLIVE Production.

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Digital skills, literacy and economic development through technology is the focus in this edition.

Our host Mudiwa Gavaza is joined by Zandile Mkwanazi, co-founder and CEO of GirlCode.

Topics of discussion include: GirlCode’s business model; the organisation’s approach to social enterprise; work with corporate partners; and thoughts around the growing prominence of artificial intelligence.

Business Day Spotlight is a TimesLIVE Production.

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The growth of subscription solar services is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Tonye Irims, founder and CEO at WiSolar.

The discussion is spent with Irims explaining the company’s business model; the growth of on-demand solar use; WiSolar’s approach to shifts in the market; and energy considerations from the recently presentation national budget for 2023.

Business Day Spotlight is a TimesLIVE Production.

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A review of the 2023 national budget, through the lens of the energy industry is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Hloniphizwe Mtolo, country chair of Shell companies SA.

Mtolo gives his impressions of the budget; detailing the impact of load shedding on Shell’s local operations; ways in which the company is mitigating the risks posed by loadshedding, especially for small businesses in its network of retail service stations; fuel prices; and the potential of a diesel shortage in the near future

Business Day Spotlight is a TimesLIVE Production.

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The push for car subscription growth in SA and beyond is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Grant Wing, SA MD and country manager of Planet42.

The discussion centres on the company recent fund raise; how the funds are set to be used; growth prospects; the car subscriptions business model; Planet42’s differentiation in the market; how the business works for customers and suppliers; and pitfalls with traditional vehicle financing.

Business Day Spotlight is a TimesLIVE Production.

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SA’s smartphone market - who is buying phones and at what prices - is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Justin Hume, vice president for mobile at Samsung SA.

Topics of discussion include: a breakdown of SA’s smartphone market; the viability of premium devices in the local market; what determines the mix of devices sold in SA; and how Samsung view sits place in the SA market?

Business Day Spotlight is a TimesLIVE Production.

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In this edition of the Business Day Spotlight, we look forward to the upcoming national budget presentation by National Treasury.

Our host Mudiwa Gavaza is joined by Patrick Buthelezi, economist at Sanlam Investments.

Topics of discussion include: impressions of the recently held state of the nation address; expectations for the upcoming national budget; energy availability; and an outlook of interest rates and inflation.

Business Day Spotlight is a TimesLIVE Production.

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Raising new funds for an insurance technology platform is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Alex Thomson, co-founder of Naked Insurance, the artificial intelligence (AI)-based insurance platform.

Thomson talks about the rationale to get funding from the World Bank’s IFC and German Development Finance Institution; plans for growth; what it takes to raise capital in the current environment; and how the business has been performing.

Business Day Spotlight is a TimesLIVE Production.

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Implications of the 2023 State of the Nation (SONA) address on consumer pockets is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Corne Welman, franchise principal and financial adviser at Consult by Momentum.

Topics of discussion include: impressions of the 2023 SONA address; important policy items that government needs to tackle; issues that the national budget will have to address; inflation; and the ongoing pressure on consumers.

Business Day Spotlight is a TimesLIVE Production.

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Social enterprise and healthcare is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Dr Ernest Darkoh, co-founder of the BroadReach Group and Board Director of Schwab Foundation for Social Entrepreneurship

Topics of discussion include: BroadReach’s operating model; the place of social enterprise in helping to improve healthcare; reflections from the recently held World Economic Forum; and how African countries can use technology to strengthen their economies.

Business Day Spotlight is a TimesLIVE Production.

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The negative impact of power outages on internet access is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Paul Colmer, an exco member at the Wireless Access Provider’s Association (WAPA).

Topics of discussion include: the impact of load shedding on telecommunications networks - mobile, fibre and wireless; impact on large versus small cities and towns; and possible solutions.

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The manufacturing and programming of banking and loyalty card is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by David de Coning, CEO of Crossgate Technologies.

The discussion touches on what Crossgate’s new card facility will mean for SA financial institutions; how the company is looking to change ways in which consumers obtain, replace and activate bank cards; and Crossgate’s future plans for provisioning cards on behalf of banks.
Business Day Spotlight is a TimesLIVE Production.

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A look at the SA economy from an investor’s perspective is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Jacques Conradie, CEO of Peregrine Capital.

Through the discussion, Conradie outlines Peregrine’s investment philosophy; reviews the performance of its funds in 2022; learnings from investing in Thungela; local versus international investments; and a 2023 investment outlook.

Business Day Spotlight is a TimesLIVE Production.

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The potential disruption of the communications and advertising business caused by the metaverse is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Tebogo Skwambane, country manager for WPP SA.

Skwambane spends the discussion explaining the opportunity for communications firms in the metaverse; the estimated size of advertising spend already being ploughed in video games and other meta universes; and the intersection between traditional advertising and technology.

Business Day Spotlight is a TimesLIVE Production.

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Competition in the local ride sharing industry is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Vincent Lilane, business development representative at inDrive SA.

Lilane walks us through the company’s operations at present; its move to ‘zero-rate’ local use of its platform for passengers and drivers; the state of gig economy work in SA; and the local competitive landscape.

Business Day Spotlight is a TimesLIVE Production.

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In this edition of the Business Day Spotlight, our host Mudiwa Gavaza is joined by Annabel Bishop, chief economist at Investec.

The MPC expects the economy to grow by 2.5% in 2022, compared with its previous prediction of 1.8% in November.

Business Day Spotlight is a TimesLIVE Production.

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Advertising is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Mfundo Ntsibande, MD at AMA.

Ntsibande spends the session explaining how media buying works; challenges faced by black owned businesses in the spaces; AMA’s new digital platform; and the impact of online advertising on the sector;

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Retail sales figures for November are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Siphamandla Mkhwanazi, FNB senior economist.

Topics of discussion include: retail figures for November 2022; the economic health of households and consumers; growth in unsecured credit; and an outlook for 2023 as interest rates are expected to come down.

Business Day Spotlight is a TimesLIVE Production.

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The economic health of SA households is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Dr Roelof Botha, economic adviser to Optimum Investment Group.

Topics of discussion include: Afhri index components and research methodology; key findings from the index results; surprising findings; the importance of micro lending in SA; and an economic outlook for the year ahead.

Business Day Spotlight is a TimesLIVE Production.

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Advancement in artificial intelligence is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Stephen Osler, co-founder and business development director at Nclose, a local cyber security firm.

Topics of discussion include: an explanation of what ChatGPT is; its rise in popularity in a short space of time; potential for the platform; potential security threat of the technology; and applications in SA.

Business Day Spotlight is a TimesLIVE Production.

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A pulse of SA at the start of 2023 is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by the team from Oxford Economics Africa: Jacques Nel, head: of Africa macro research and Louw Nel, senior political analyst.

Topics of discussion include: the state of the political economy; impact of inflation and interest rates in year to come; performance of regional neighbours; and geopolitical risk in the year to come.

Business Day Spotlight is a TimesLIVE Production.

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The idea for a four day work week in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Michelle Austin, financial director of Keegor Group SA.

Topics of discussion include: the concept of the four day work week; pilots and studies from around the world being done to test the idea out; challenges holding back possible implementation; and steps being taken to move forward.

Business Day Spotlight is a TimesLIVE Production.

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As the year begins, we look back at the decade long history of SA’s largest Black owned advertising agency.

Our host Mudiwa Gavaza is joined by Mzamo Xala, CEO Avatar Agency Group.

Topics of discussion include: the size and scope of Avatar’s business; the state of advertising in SA post the pandemic; the growth of the digital economy and its impact on advertising; what it means to own and operate an agency in the current environment; challenges faced by creative businesses; and an outlook for the industry.

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An expected decline in festive season spend is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by James Williams, head of marketing at Wonga.

Topics of discussion include: Wonga’s business model; results from its recent festive spending survey; trends highlighted by the data; the impact of an economic downturn on consumer spending; and consequences for the travel and tourism sector.

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The expected recovery of travel and tourism in the 2022 festive season is the the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Velma Corcoran, regional lead for Middle East Africa at Airbnb.

Topics of discussion include: Airbnb’s business in SA; outlook for the current festive season; impact of global economic downturn on tourism; state of the gig economy; and what Airbnb’s data tells us about the heath of consumer spending.

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It was an abrupt adjournment of the ANC 55th national conference on Tuesday. Delegates left without knowing who the National Executive Committee (NEC) the highest decision-making body of the party is nor where any policy resolutions adopted, instead it will reconvene at a hybrid session in early January to continue where it left off. Despite this in his closing address President Cyril Ramaphosa remained upbeat and confident.

Mary Papayya from the BD politics team sums up the ANCs 55th national conference, features some key closing remarks from the re-elected President Cyril Ramaphosa who won his second term, a tough talking new ANC General Secretary Fikile Mbalalula and, also talks to leading policy analyst Dr. Fikile Vilakazi and Business Unity South Africa’s Stravos Nicolai.

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In this Business Day “On the floor” from Nasrec Podcast Mary Papayya speaks to veteran journalist Carien du Plessis, Business Day Political reporter Thando Maeko and the Institute for Global Dialogue’s Sanusha Naidu. We take you to the heart of the contest. Hear who the front runners are and what their supporters are saying. From the Phala Phala scandal and the Digital Vibes saga - who will emerge victorious.

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The SA economy, including the financial markets, will withstand volatility coming out of the ANC's internal political contestation, finance minister Enoch Godongwana said on Saturday.
Speaking at a business briefing alongside the ANC national elective conference in Johannesburg, Godongwana said the leadership contest would not result in  policy shocks, whoever won.

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Chaos erupted at the ANCs 55th Elective Conference as delegates jeered and called for change. There was a long delay in the programme due to logistical problems with the accrediting delegates.
In this edition of Business Day “from the floor” part 2 - Mary Papayya speaks to political editor Harja Omarjee. Find out what went on. Why are delegates from certain provinces unhappy. What can we expect in the next 24 hours. How close is the race between presidential - current incumbent President Cyril Ramaphosa and his opponent former Health Minister Zweli Mkhize who also has his eye on the top spot.

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Bonus pay, whether or not employers are compelled to hand over a thirteenth cheque to staff, is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Fiona Leppan, director in employment law at legal firm Cliffe Dekker Hofmeyr (CDH).

Topics of discussion include: How is the payment of bonuses treated under South African law? Under which conditions would employers be legally obligated to pay an employee a bonus?

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Naspers’ growth strategy is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Basil Sgourdos, group CFO of Naspers and Prosus.

Topics of discussion include: Naspers’s plan reach e-commerce profitability; the downturn in technology valuations; capital allocation; how the group is evaluating investment opportunities; and an outlook for the business.

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All the views and opinions of the top leadership candidates!

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The role of skilled individuals in pushing business outcomes is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Greg Reis, founder of BSG.

Topics of discussion include: BSG’s founding and business model; attracting and retaining the best talent; investments in education; the firm’s specialisation in financial services and healthcare; and an outlook for the business.

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A look back at this year’s Black Friday through the lens of Absa’s transaction data is the focus in this edition of the Business Day Spotlight.

Topics of discussion include: Black Friday transaction data from Absa; trends from the retail event; the growth of e-commerce in SA; recovery of consumer spending; efforts to increase digital payments in the country; and an outlook for the year ahead.

Business Day Spotlight is a TimesLIVE Production.

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The evolution of SA’s largest e-commerce operator is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Mamongae Mahlare, Takealot’s group CEO.

Topics of discussion include: Takealot’s business model; giving small business access to a large market of customers; growth of online retail in SA; what can be done to further increase adoption; and an outlook for e-commerce in 2023.

Business Day Spotlight is a TimesLIVE Production.

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Last mile delivery for e-commerce in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Antonio Bruni, CEO of technology and delivery company Picup Technologies.

Topics of discussion include: Picup’s business model; its acquisition by Karooooo; plans for scaling the business; what it takes to manage a large network of drivers; and the growth of e-commerce in SA.

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E-commerce buying trends are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Paul Behrmann, founder and CEO of Payflex.

Topics of discussion include: details around the latest interest decision; Black Friday predictions in e-commerce; the impact of the buy now pay later (BNPL) model on e-commerce; the growth of Payflex’s business; and an outlook for e-commerce in 2023.

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Business turnaround is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Michael Dorn, founder and CEO of RT Group, a business turnaround firm.

Topics of discussion include: RT’s business model; rationale for moving to SA; how business rescue and turnarounds work; lessons from implementing turnaround strategies at large corporates; and the need for proactive turnaround plans in SA.

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Global satellite internet access trends are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Sulaiman Al Ali, Yahsat’s chief commercial officer at the recently held AfricaCom telecoms conference in Cape Town.

Topics of discussion include: Yahsat’s strategy and activities in Africa; the future of integrated satellite solutions; the use of satellite communications internet of things (IoT) or connected devices like cars and sensors; and updates on Thuraya 4 NGS, the group’s latest satellite.

Business Day Spotlight is a MultimediaLIVE Production.

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The move from CEO to technology investor is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by the prominent businessman Mteto Nyati.

Topics of discussion include: Nyati’s business activities since stepping down as CEO of Altron; rationale for investing in local technology firm, BSG; leading an organisation through a growth phase; and thoughts around leadership in SA.

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Funding small businesses through blockchain technology is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Edward Cotterell, founder and CEO of Reality Company.

Topics of discussion include: Reality Company’s business model; rationale for starting the business; the problem being addressed; and performance since launch.

Business Day Spotlight is a MultimediaLIVE Production.

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Reflecting on the year that has been in the economy is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Ndumiso Hadebe, chief economist at KH Equity Partners.

Topics of discussion include: looking back the economy in 2022; current factors such as a weak Rand; political risk; efforts to curb inflation; and an outlook for the year ahead.

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In this edition of the Business Day Spotlight, we talk about the recovery of the travel and tourism sector, through the lens of an airline. 

Our host Mudiwa Gavaza is joined by Badr Abbas, Emirates senior vice president for commercial operations Africa.

Topics of discussion include: Emirates’ plans for the African market and broader Africa strategy; expansion plans for SA to recover to pre-pandemic capacity; competition within the market and Emirates’ investments in product and service offerings; together with an outlook for the coming year in travel. 

Business Day Spotlight is a TimesLIVE Production.

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A look back at the recent presented mid term budget is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Warren Wilkinson, franchise principal and financial adviser at Consult by Momentum.

Topics of discussion include: highlights from the recent mid term budget; what the budget means for consumers; and ways in which consumers and businesses can be better prepared for uncertain times.

Business Day Spotlight is a TimesLIVE Production.

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We had a fascinating discussion with Ismael Momoniat, the director general in the National Treasury, who joined our panel of experts for an in-depth look at the MTBPS.

Discussion points includes state owned enterprises, especially Transnet and SAA, the Eskom debt, and climate financing.

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A preview of the upcoming medium-term budget policy statement (MTBPS) is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Sanisha Packirisamy, an economist at Momentum Investments.

Topics of discussion include: expectations for the medium-term budget policy statement; issues facing the economy; and pressures being felt by businesses and consumers that the state would be hope to take care of.

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Medium Term budget: What lies ahead as government gears up to lay out a three-year plan to spend your tax money?

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Procurement as a service is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Leon Steyn, CEO at Dante Deo, a specialist IT sourcing and procurement firm.

Topics of discussion include: what is procurement as a service; what problem the trend is solving for; best methods and practices for implementing it in a business; and what businesses need to know when it comes to acquiring procurement as a service.

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Confidence in SA’s manufacturing industry is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Justin Schmidt, head of manufacturing at Absa Relationship Banking.

Topics of discussion include: results of Absa’s Manufacturing Survey for the third quarter; issues affecting local production; and ways in which load shedding is impacting the sector.

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Online hotel bookings are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Samantha Williams, commercial director at Profitroom.

Topics of discussion include: Profitroom’s business model; elements that have helped the platform to standout amongst competitors; strategy in terms of acquiring customers; and some of the results that the company has already achieved in the local market.

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The ways in which one of the world’s largest technology companies manages its human resources and skills development in 2022, is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Fran Katsoudas.

Topics of discussion include: Cisco’s strategy around finding and retain talent in its ranks; the group’s investment in skills development; the impact of a global economic downturn on human resource management; and trends in hybrid work.

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Email impersonation - what it is, its impact on businesses, and possible protection against it - is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Steve Porter, MD at IronTree, together with Sacha Matulovich, co-founder and chief strategy officer at Sendmarc.

Topics of discussion include: IronTree and Sendmarc’s respective business models; details around the partnership between the two companies; ways in which email impersonation is perpetrated; and tools for mitigating this risk.

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The contribution of film and other creative sectors to SA’s economy is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Keitumetse Lebaka, CEO of the Gauteng Film Commission (GFC).

Topics of discussion include: the mandate of the Gauteng Film Commission (GFC); the contribution of film and other creative industries to the local economy; efforts by the commission to increase investment in the local film sector; ways to increase Gauteng’s attractiveness as a filming location; and efforts to support local productions.

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Changes in online advertising driven by the growth of TikTok is the focus in this edition of the Business Day Spotlight. Our host Mudiwa Gavaza is joined by Scott Thwaites, head of Africa and Turkey at TikTok For Business. 
Chinese founded TikTok is one of the fastest growing social media and video entertainment platforms in the world, with over 1-billion active users.
TikTok For Business is the group’s unit focused on bringing advertisers on to the platform. 
This discussion focuses on some of the insights that TikTok For Business has found around changes in advertising brought on by the platform.

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The use of satellite internet access in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Kathleen Janse van Rensburg, satellite product manager at Vox.

Topics of discussion include: the state of satellite internet in SA; costs involved in setting it up; comparison with other forms of access; and trends likely to shape the sector in the coming years.

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Support for small business in SA using technology is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Asha Patel, head of business to business marketing for Sub Saharan Africa and head of marketing for SA at Google.

Topics of discussion include: Google’s investment in Africa; how SA is benefiting from this investment; the development of an undersea cable project; and support for small businesses in the region.

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Sentiment amongst South African consumers is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Sanisha Packirisamy, an economist at Momentum Investments.

Topics of discussion include: key findings from Momentum’s latest Consumer Pulse report; the impact of inflation on consumer sentiment; the response of different income

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Our host Mudiwa Gavaza is joined by Moss Gondwe, public sector sales director at Mimecast.

Topics of discussion include: how public sector institutions and state-owned enterprises need additional measures to protect against cyber threats; ways in which the public sector tends to be attacked; how departments can be better protected; creating policies that enable greater protection for the state; and example of how government can up its digital security.

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Hospital care given in the home, is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Dr. Botho Mhozya, head of health professional risk and hospital at home at Discovery Health.

Topics of discussion include: how hospital at home works; the business model behind the concept; reception from healthcare professionals and patients; Discovery’s technology investment behind the project; and the cost implications of such care.

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Getting more people to have wills as an instrument for better financial planning is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Harry Joffe, head of legal at Discovery Life and Discovery Life International.

The discussion focuses on reasons people tend to not have wills in place; how wills fit into the financial planning of one’s life; practical examples of how ordinary South Africans are impacted by not having wills in place; how the law provides for situations where no will is in place; and consideration for offshore investments.

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An economic contraction in the second quarter of 2022 is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Christie Viljoen, an economist at PwC.

Topics of discussion include: the latest GDP data from Stats SA; unpacking what the numbers mean for the country’s economic prospects; ways in which government and monetary policy makers could respond; and how business have faired in the current environment.

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With increased use of digital platforms in banking, we delve into Investec’s technology use and investment in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Shabhana Thaver, chief information officer at Investec.

Topics of discussion include: Investec’s investment in technology; drivers for digital transformation in banking; rising competition from fintech players; the concept of open banking; legacy systems in banking; and thoughts around decentralized finance and the blockchain.

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The cost of load shedding on refrigeration in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Mustafa Soylu, CEO of Defy Appliances.

Topics of discussion include: Defy’s business model; impact of load shedding on household appliances, particularly cooling; the need for keeping food items fresh; and possible solutions to the problem.

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The case for empowering small businesses as part of a large supply chain is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Sean Wright, head of distribution at The Unlimited.

Topics of discussion include: The Unlimited’s business model; the rationale for empowering small businesses as part of a larger supply chain; and initiatives being undertaken by the company.

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A new trading platform hoping to get more South Africans into the world of investing is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Connie Bloem, co-founder and executive head at Mesh.Trade.

Topics of discussion include: Mesh.Trade’s business model; the rationale for decentralised finance; who has embraced these financial products; the development of alternative financial asset classes; regulation; and an outlook for the business.

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New unemployment and inflation data is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Dawie Roodt, chief economist at Efficient Group.

Topics of discussion include: new data around unemployment and inflation; global factors affecting the SA economy; how policy can be improved to create more jobs; thoughts around the liberalisation of the energy sector; and issues that businesses are currently worried about.

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The use of technology to make solar systems more accessible in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Vincent Maposa, co-founder and CEO of Wetility.

Topics of discussion include: load shedding’s contribution to increased demand for backup power in SA; costs associated with installed and maintaining solar systems for consumers and businesses; financing options for such systems; and how technology can be used to reduce the complexity associated with managing alternative power systems in one’s home.

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The use technology in building sustainable city structures is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Rudie Opperman, manager for engineering and training at Axis Communications, the Middle East and Africa.

Topics of discussion include: the use of technology tools to help municipalities and businesses make better decisions that improve quality of life; how communities can improve energy distribution, streamline trash collection, decrease traffic congestion, and improve air quality through the internet of things; and applications for public transport.

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New rules for chicken imports and exports are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Donald Mackay, CEO of XA Global Trade Advisors, together with Paul Matthew, CEO of SA’s Association of Meat Importers and Exporters (AMIE).

Topics of discussion include: government’s decision to suspend punitive anti-dumping measures
in the poultry sector for 12-months; the impact of inflation on poultry prices; the tension between protecting versus opening up the local market; SA’s techniques for chicken production; and an apparent lack of will for SA producers to compete in international markets.

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Digital advertising through content sharing is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Chanel Hardman, country director for SA at the SHAREit.

Topics of discussion include: SHAREit’s business model; the growth of the platform for sharing content; using its large user base for advertising; the use of online and digital marketing in SA; and the company’s outlook for the sector.

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Old digital security vulnerabilities that business still succumb to are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Zaheer Ebrahim, a senior sales engineer at Trend Micro.

Topics of discussion include: Trend Micro’s business model; trends and advancements in cybersecurity; practical cases and scenarios detailing how criminal actors tend to infiltrate businesses and the techniques used; and thoughts around to how best protect a company’s systems from attack.

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The day to day implications of rising interest rates on South Africans is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Larry Masson, a financial adviser and franchise principal at Consult by Momentum.

He discusses: why have rates gone up; what consumers can do to manage this significant increase in their expenses; efforts to reign in inflation back to the Reserve Bank’s target range.

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A look at Cisco’s business in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza joins Smangele Nkosi, GM of Cisco SA, at the company’s new offices in Midrand’s Waterfall precinct.

Topics of discussion include: Cisco’s current position in SA; the company’s current technology investments; relationship with private and public sector players; Nkosi’s career in ICT; social initiatives; and research findings around hybrid work.

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Raising capital for technology backed businesses in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Alison Collier, MD at Endeavor SA and Benji Meltzer, co-founder at Aerobotics.
Topics of discussion include: Endeavor SA’s investment strategy; Aerobotics’ business model; the challenges faced by technology startups in raising capital; ways in which SA can attract higher levels of investment; and which sectors are currently most attractive for investment.

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Construction technology is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Nadia Reichhart, head of talent at Cost Certified.

Topics of discussion include: Cost Certified’s business model; how the platform works; what attracted the company to the SA market; trends in the market; the company’s hiring drive; and competition in the market.

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Government’s new plan to tackle the country’s energy crisis is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Prof Sampson Mamphweli, director for the Centre for Renewable and Sustainable Energy Studies (CRSES) at Stellenbosch University.

The discussion focuses on the major points of government’s new energy plan; how long it will take to start implementing the plan; the likely challenges in addressing SA’s energy crisis; the economic opportunities that could to arise from the liberalisation; and how the market may be structured going forward.

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The use and practical application of trusts as a tool for wealth building for consumers is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Matlhodi Leteane, head of client experience at FNB Fiduciary.

Topics of discussion include: the uses and benefits of trusts; making use of such structures for wealth building and saving; work being done to reposition trusts as accessible to the wider public beyond the wealthy; and efforts to increases conversation about money amongst ordinary people.

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The state of financial markets in the face of rising inflation and a fresh interest rate decision is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by George Glynos, co-founder, director and head of research at ETM Analytics.

Topics of discussion include: this week’s interest rate hike by the SA Reserve Bank; outlook for interest rates in SA and globally; how inflation has progressed through 2022; market performance for both equities and bonds; and the impact of US Dollar strength on the Rand.

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The growth of digital storage is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Ghassan Azzi, Western Digital sales director for Africa.
Topics of discussion include: Western Digital business in South Africa; the company’s intentions in the market; what its 2022/2023 strategy for Africa entails; an operational update; and insight into metrics around the size and scope of the company’s operations.

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Wills as a instruments for better financial planning are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Advocate Sankie Morata, a certified financial planner and CEO of Sanlam Trust.

The discussion focuses on reasons why people tend to not have wills in place; how wills fit into the financial planning of one’s life; the psychology of money in society and how that filters into issues of passing away without a will; how the law provides for situations where no will is in place; and way in which take up of such financial instruments can be improved.

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In this edition of Business Day Spotlight, we examine the gains made in SA by one of the world’s largest device manufacturers, Oppo.

Our host Mudiwa Gavaza is joined by Liam Faurie, head of go to market and operations at Oppo SA.

The discussion focuses on the size and scope of Oppo’s operation globally and in SA; how Oppo has differentiated itself from its competitors in the smartphone industry; market dynamics in the local smartphone market; the company’s position on retail locations; and the relationships built with local mobile operators.

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Consumer sentiment is at an almost 30 year low in SA. This is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Mamello Matikinca-Ngwenya, FNB’s chief economist to discuss the results of their consumer confidence index (CCI), undertaken in collaboration with the Bureau for Economic Research.

Topics of discussion include: how the CCI is determined; results and findings of the latest study; impact of inflation on consumer confidence; pressures on different income groups in SA; ways in which government and private sector players can help ease the pressure on consumers and an outlook for the rest of the year.

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SA’s unreliable electricity supply problem is the focus in this edition of the Business Day Spotlight, examining implications for the economy. 
Our host Mudiwa Gavaza is joined by Hilton Trollip, independent consultant in energy research and a research fellow in the Global Risk Governance programme at the University of Cape Town. 
Topics of discussion include: explaining what is meant by stage 6 load-shedding; reasons for the spate of rolling blackouts in SA; new power generation technologies; ways the state can fix issues at Eskom; and the urgent need for independent power production.

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Bringing down the cost of stock market investment is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Sebastian Patel, Franc’s COO and Thomas Brennan, Franc’s CEO.

Topics of discussion include: Franc’s business model; the problem that the company is looking to solve; how the business has been funded; new products; plans for the future; and trends in the retail investment sector.

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The different ways in which buy now pay later (BNPL) is being applied in SA’s retail landscape is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Craig Newborn, CEO of PayJustNow.

Topics of discussion include: PayJustNow’s journey as a business; the growth of BNPL in SA and other parts of the world; debt culture in SA; the growth of online retail spurred on by Covid-19; consumer trends in BNPL; the use of short term credit option in physical retail; and an outlook of how the space is likely to evolve over time.

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Soaring inflation, cost pressures and dwindling economic prospects for consumers, business and government, is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Jeffrey Schultz, senior economist at BNP Paribas SA.

Topics of discussion include: the latest consumer price index (CPI) figures for SA; reasons for the continued increase in living costs; ways in which governments and central banks around the world can work to stem the economic bleed; and rethinking globalisation.

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The impact of old systems and technology in SA’s banks is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Ria Pinto, country and general manager for SA at IBM.

Topics of discussion include: banking technology; defining legacy systems and why they matter; IBM’s relationship with the banking sector; ways in which systems can be improved; and the need for documenting systems and business processes.

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Home buying dynamics in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Siphamandla Mkhwanazi, a senior economist at FNB.

Topics of discussion include: new data from FNB’s House Price Index; the effects of a tough economic environment on the residential property market; ways in which financial institutions can help with making home ownership more accessible; and an outlook for the sector.

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Are non-fungible tokens (NFTs) still relevant and valuable in 2022? That is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Adam Romyn, co-founder of NFT social marketplace, Momint.
Topics of discussion include: Momint’s business model; use cases for NFTs in SA; whether growth in the market has indeed stalled; practical uses of blockchain technologies; smart contracts; and an outlook for the market going forward.

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Rising meat prices are the focus in this edition of the Business Day Spotlight.
Our host Mudiwa Gavaza is joined by Marcelle Pienaar, brand marketing manager at local meat manufacturer Eskort, together with Paul Matthew, CEO of SA’s Association of Meat Importers and Exporters (AMIE).
In an environment of rising living costs, the discussion focuses on meat inflation, specifically how this has affected the pork and chicken markets. What choices are consumers making when buying meat products in the face of these price changes?
According to Stats SA, food and nonalcoholic beverages inflation increased 6.4% year on year in February, placing pockets under more pressure.
Topics of discussion include: how inflation has affected the pork and chicken markets in SA; factors driving up prices for meat; the balance of imports and exports for chicken and pork in SA; the move to cheaper protein options for consumers to rising prices; and an outlook for the sector.

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PwC’s outlook for SA’s economy is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Lullu Krugel, PwC’s chief economist.

Topics of discussion include: new GDP from Stats SA; whether good headlines necessarily translate to a good standard of living for South Africans; PwC’s economic outlook for 2022; the risk of stagflation; and global factors likely to continue weighing on the SA economy.

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Solving logistics issues to increase e-commerce adoption in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Lars Veul, co-founder at logistics tech firm, Pargo.

Topics of discussion include: Pargo’s business model; trends in the crowd sourced logistics space; last mile logistics as a driver for e-commerce adoption; and challenges with delivering parcels to secondary towns and rural areas.

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Solving parking issues in SA through technology is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Mark Bradford, CEO of Docklands Ventures.

Topics of discussion include: ParkUpp’s business model; Docklands Ventures’ acquisition of ParkUpp; trends in the parking and property market; new niches and areas of focus for the business; and an outlook for the business.

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The use of digital technology platforms in construction is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Mike Bignold, founder and CEO at Cost Certified.

Topics of discussion include: Cost Certified’s business model; how the platform works; what attracted the company to the SA market; trends in the market; the company’s hiring drive; and competition in the market.

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Newly proposed website hosting regulations are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Morne Patterson, financial director at local web hosting outfit, 1-grid.

Topics of discussion include: an outline of newly proposed rules for domain registry companies in SA; the intention behind the potential changes; concerns raised by industry players; how SA’s domain market compares to other parts of the world; whether websites are still necessary in 2022; and the threat posed by social networking sites.

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Ways in which investors can endure volatility in financial markets is the focus in this edition of the Business Day Spotlight.
Our host Mudiwa Gavaza is joined by Samukelo Zwane, head of product at FNB Wealth and Investments; Annabel Bishop, chief economist at Investec; and Dawie Roodt, chief economist at Efficient Group.

Topics of discussion include: a tribute to renowned South African economist Mike Schüssler who recently passed on; the state of financial markets; how investors can survive and endure market volatility; the opportunity for those looking to enter the stock market; and the real difference between short term and long term investing.

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The evolution of ride sharing in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Frans Hiemstra, GM for Sub-Saharan Africa at Uber.

Topics of discussion include: the size and scope of Uber’s business in Africa; differences between the markets; the impact of inflationary pressure of the company’s pricing; safety of drivers and riders; trends in the gig economy; relationship with drivers; and competition in SA’s ride sharing market.

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The growth of buy now pay later (BNPL) in SA’s online retail sector is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Paul Behrmann, CEO of BNPL company Payflex.

Topics of discussion include: the evolution of Payflex as a business; the growth of BNPL in SA and other parts of the world; debt culture in SA; the growth of online retail spurred on by Covid-19; trends in BNPL; and an outlook of how the space is likely to evolve over time.

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Pressure on consumer salaries in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Senzo Nsibande, CEO of FNB Money Management.

Topics of discussion include: items weighing on consumer spending at the moment; the growing threat of inflation and higher interest rates for consumers; planning finances to weather current economic headwinds; as well as balancing earnings growth versus savings.

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The unlawful cancellation of pension funds is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Tabitha Paine, attorney and acting head of legal at Open Secrets, together with Thomas Malokotsa from Unpaid Benefits Campaign (UBC).

Paine and Malokotsa discuss the history of the case; what their organisations hope to get out of the legal action; possible capture of the industry; some of the issues faced by people trying to claim pensions; and how the system can be improved.

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The economics around SA’s automotive sector is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by David Furlonger from the Financial Mail, who specialises in SA's automotive industry.

Topics of discussion include: supply chains issues in the automotive sector; disruptions caused by the war in Ukraine; import versus export of locally produced vehicles; consumer demand; and an outlook for the sector.

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The cost of cyber attacks on small businesses in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Kabelo Makwane, managing executive for cloud, hosting and security at Vodacom Business.

Topics of discussion include: Vodacom and Accenture cyber security partnership for small business digital security services; the state of security in SA’s small business sector; the business model; and the cost of data breaches and hacking on an enterprise.

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In this edition of the Business Day Spotlight, we explore the performance of the construction sector post the Covid 19 pandemic.

Our host Mudiwa Gavaza is joined by Nicholas Fearnley, head of global construction forecasting, at Oxford Economics

The discussion focuses on the place of construction in aiding the global economic recovery post the Covid-19 pandemic; impact of rising inflation and supply chain issues on the sector; the effect of interest rates on building activity; geopolitical tensions; and an outlook going forward.

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SA’s investment case in light of the recent Moody's outlook is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by George Glynos, co-founder, director and head of research at ETM Analytics.

Topics of discussion include: Moody’s recent outlook for the SA economy; how financial markets have received the news; what still needs to be done for an upgrade in investment rating to happen; the recent surge of Covid-19 cases globally; and ongoing impact on the Russia-Ukraine war.

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In this edition of the Business Day Spotlight, we talk about ways in which organisations can spot potential corruption in procurement processes.

Our host Mudiwa Gavaza is joined by Leon Steyn, CEO at Dante Deo, a specialist IT sourcing and procurement firm.

Using his decades of experience gained in the profession Steyn says there are a number of leading indicators that organisations, managers and employees should be on the look out for in spotting graft. These include: direct instruction from an authorised person; bypassing of procedures and best practices; creation of a crisis; being made to use specific suppliers that are pre-selected; and staff being place extraordinary pressure to get certain deals over the line.

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Using technology to influence customer behaviour is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Nick Durrant, founder and CEO of Bluegrass Digital, a local web, mobile and software outfit.

Topics of discussion include: how businesses can use data to improve customer experience; ways in which businesses can improve their data collection; tools that be used to map out a customer’s experience with a particular business; and ways in which data collected can be used to glean insights on customer behaviour.

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The ways in which SA’s brand perception, internationally, affects economic investment to the country is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Sithembile Ntombela, acting CEO of Brand SA.

Topics of discussion include: ways in which the organisation gauges perception of SA’s brand; items that the team was looking to achieve at the Expo; how SA's campaign in Dubai turned out; highlights of successes and failures of the six months; what foreigners are most curious about when it comes to about SA; and the economic value of participating in such events.

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Tiger Brands foray into venture capital and early stage startup investing is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Barati Mahloele, director at Tiger Brands Venture Capital Fund.

Topics of discussion include: Tiger Brands’s rationale for starting a venture fund; the company’s investment philosophy; areas of interest; partners on the projects; how much capital the company has earmarked for early stage investing; and how the group is looking to differentiate itself from other capital providers in the space.

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Heightened cyber security risk, driven by the ongoing Russia-Ukraine war, are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Dan Thornton, CEO of GoldPhish, a cyber security training specialist firm.

The discussion focuses on the growing demand for cyber security; impact of Covid-19 on the sector; ways in which the Russia-Ukraine war is changing the cyber landscape; potential economic risks as a results of cyber warfare; and ways in which organisations can better prepare themselves for such risk.

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Results of a new study around the mood and pressures faced by consumers in SA, is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Mamello Matikinca-Ngwenya, FNB’s chief economist to discuss the results of their consumer confidence index (CCI), undertaken in collaboration with the Bureau for Economic Research.

Topics of discussion include: how the CCI is determined; results and findings of the latest study; impact of current geo-political issues like the Russia-Ukraine conflict on consumer confidence; pressures on different income groups in SA; ways in which government and private sector players can help ease the pressure on consumers and an outlook for the rest of the year.

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The potential disruption of the public relations profession caused by the metaverse is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Danni Pinch, executive creative director for Atmosphere Communications, a brand and corporate communications consultancy, and co-founder of King James Digital.

Topics of discussion include: how is the metaverse going to disrupt the PR industry and why do PR professionals need to start paying attention to the metaverse space; why the metaverse could provide a more focused and strategic approach to clients building businesses and offerings; and what strategies PR professionals can employ with the rise of the metaverse.

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Strategies for investors to ride out current economic headwinds caused by inflation, energy prices and geo-political risks are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Sonja Steyn, head of wealth management strategy, private wealth and business management at Consult by Momentum.

Topics of discussion include: the biggest risks for investors in the current environment; investment strategies for hedging risk; whether market players see current factors: inflation, oil and geo-political unrest as short or long term issues; if retail investors can win in this environment or is it a game for the big guys, institutional investors; and an outlook for other factors that could affect the market.

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Our host Mudiwa Gavaza is joined by Eerik Oja, CEO and co-founder at Planet42 and Grant Wing, COO of Planet42.

The discussion centres around the car subscriptions business model; Planet42’s differentiation in the car subscriptions market; how the business works for customers and suppliers; pitfalls with traditional vehicle financing; alternative data points that the company considers when scoring customers; and prospects for funding the business.

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Understanding how people make economic decisions during the current tough times is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Emile du Plessis, a behavioral economist at Standard Bank.

Du Plessis focuses on supply and demand imbalances affecting the economy; understanding one’s individual inflation basket; softening the impact of inflation on budgets; and controlling costs .

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What can new transaction data from February tell us about the health of the SA economy? That is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Shergeran Naidoo, head of stakeholder engagement at BankservAfrica, the largest automated payments clearing house on the continent.

The discussion explores the results of BankservAfrica’s recent transaction reports; how the various studies were conducted; the impact of the Russia-Ukraine crisis on commodity prices; buying and spending patterns in the country; insights that can be drawn from the data; threats of inflation and an economic outlook for the rest of the year.

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The possibility of fuel reaching R40 a litre as Russia’s invasion of Ukraine wreaks havoc on global oil supplies is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Koketso Mano, an economist at FNB.

Topics of discussion include: factors currently affecting global oil prices, as well as local fuel rates; impact of higher oil prices on the global economy; the effects of the Russia-Ukraine war on emerging market sentiment; and thoughts around SA’s latest round of load shedding and rolling blackouts.

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Changes to how unmarried people in long term relationships, living together, are viewed by SA’s laws is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by David Thomson, senior legal adviser at Sanlam Trust to discuss the proposed changes to the law.

Topics of discussion include: work of Sanlam Trust; explanations of the proposed amendments; defining the use and meaning of the term “co-habiting”; how the changes could affect estate planning; implications for long term relationships and advice for how people could navigate this evolving landscape.

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Our host Mudiwa Gavaza is joined by Sanisha Packirisamy, an economist at Momentum Investments.

Topics of discussion include: the impact of Russia’s invasion of Ukraine on the global economy, and SA; how the conflict may affect financial markets; risks for emerging markets; the effect of rising oil prices on the economy; the response of various governments and organisations to Russia’s actions; and an economic outlook in light of the conflict.

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The case for more remote work in a post-Covid-19 world is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Liam Martin, author of the book ‘Running Remote’, from Montreal, Canada.

Topics of discussion include: Martin’s journey as a remote worker over the last two decades; differentiating between virtual work and remote first work; the advantages of the remote first concept; current remote working trends; and the case for more remote work as economies around the world up again.

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Our host Mudiwa Gavaza is joined by Tinashe Ruzane, co-founder and CEO of FlexClub, a car subscription platform.

Topics of discussion include: FlexClub’s business model; the rationale behind people subscribing to a car; shifting consumer behaviour; challenges of car ownership and financing for consumers; the technology behind the platform; and an outlook for the business moving forward.

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SA’s national budget for 2022 is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Annabel Bishop, chief economist at Investec; and Dawie Roodt, chief economist at Efficient Group for a comprehensive examination of the speech.

Topics of discussion include: highlights from the Budget speech; financial market considerations; the health of state owned enterprises; creating jobs and upping skills for South Africans; the possibility of a basic income grant in SA; and an outlook for the rest of the year.

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Investment veteran David Shapiro’s career is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by David Shapiro, Sasfin’s chief global equity strategist.

The discussion focuses on lessons learned along the way, key themes that have shaped SA’s equities markets and his expectations going forward.

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Consumer trends that businesses should be paying attention to is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by David Makovah, founder and CEO of Mr Mak Learning, a business education platform.

Topics of discussion include: trends in the property market for both commercial and residential spaces; the of online commerce and shopping as an always on experience; the conflation of physical versus digital spaces; and the adjustment to shorter supply chains.

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The state of financial markets as SA prepares for the 2022 national budget at the end of February is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Terence Hove, a financial markets analyst at international multi asset brokerage firm, Exness.

Topics of discussion include: thoughts around President Ramaphosa’s recent state of the nation address; issues that market players are likely to be concerned with regarding the upcoming Budget Speech; current state of financial markets - both locally and internationally; global risks that have a possible impact on SA; and the continued pressure faced by consumers, particularly with rising oil prices.

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SA’s micro-insurance market is the focus in this edition of the Business Day Spotlight, as MTN gears up to launch its aYo platform in the country.

Our host Mudiwa Gavaza is joined by Marius Botha, CEO of aYo Holdings, MTN’s insurance technology unit.

Topics of discussion include: aYo’s business model; trends in the sector; dynamics of operating an insurance company in Africa; aYo’s rationale for expanding in SA and Nigeria; aYo’s place in MTN’s fintech strategy and the advantages that telecoms operators having over traditional insurance companies in the market.

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The economic implications of President Cyril Ramaphosa’s sixth state of the nation address (Sona) is the focus in this edition of Business Day Spotlight. Our host Mudiwa Gavaza is joined by Yolandi Esterhuizen, a registered tax practitioner and director for product compliance in Africa and the Middle East at accounting firm Sage, and Louw Nel, a senior political analyst at Oxford Economics Africa. Topics of discussion include: highlights from the Sona; how government could fund its activities, given the economic challenges; where SA is likely to see increases, decreases and reallocations in the upcoming budget; tax considerations for businesses; the balance of politics and economics Ramaphosa has to navigate, and; an outlook for the year ahead. ​

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The business opportunity that lies in taking out waste from business processes as part of the growing environment, social and governance (ESG) trend, is the focus on this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Catherine Wijnberg, CEO of Fetola, a small business specialist firm.

Topics of discussion include: Fetola’s business model; the rationale for investing in the circular economy; making ESG issues top of mind in SA; ways in which businesses can design their operations to eliminate waste from the start; and the business case for ESG beyond being a simple ‘tick-box’ exercise.

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The rise of a new trend that brings traditional hotel services and rental properties together is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Andrew Rogers, CEO of Indalo Hotel & Leisure Management.

Topics of discussion include: Indalo’s business model; state of the hospitality and accommodation industry at the moment; opportunities provided by the Covid-19 pandemic for the sector; the rise of new business models like apart hotels; and Indalo’s use of technology in providing its services.

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The state of venture capital in SA, as 2021 closes out, is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Nchaupe Khaole, chief investment officer at the Mineworkers Investment Company (MIC).

Topics of discussion include: MIC’s business model; the rationale for setting up a R150m early-stage investment fund; the state of small business funding in SA; opportunities for funders with large capital pools; and sectors currently showing promise.

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Educational technology in a world of hybrid working is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Louise Schoonwinkel, managing director at Optimi Home.

Topics of discussion include: Optimi Home’s business model; ways in which the company has differentiated itself from other online education players; trends in the sector; the differences between live online learning versus traditional internet base courses; and educational technology’s place in a world of hybrid working.

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Cryptocurrency as part of an investment portfolio is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Nico Katzke, head of portfolio solutions at Satrix Investments.

Topics of discussion include: evolution of cryptocurrencies over time; shifts in mindset by institutional investors; trends in the cryptocurrency market; advice for those looking to invest in the space; changes in regulation; making wise investment decisions; an outlook for the market going forward.

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Cloud computing trends in SA are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Ria Pinto, acting general manager at IBM Southern Africa.

Topics of discussion include: data from IBM’s recent cloud computing study; cloud services that IBM provides; the company’s clients in SA and what industries they operate in; defining how big the cloud market is in SA and how much is it worth; trends highlighted by the study; and an outlook for the sector going forward.

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Corporate capture is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Justin Rovian Naidoo, chief investment officer at MyGrowthFund Venture Partners.

Topics of discussion include: corporate capture defined; problems around enterprise supplier development; ways in which to improve the current status quo; an explanation of fiscal dumping; ways in which small business can access more funds; and the place of a Startup Act in SA as a tool for increasing investment into innovative small businesses.

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Black Friday transaction data is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Karen Nadasen, CEO of fintech company PayU SA. She is also the chair of the Ecommerce Forum of SA. Topics of discussion include: transaction data for Black Friday from payments providers; pressure on consumer pockets; growth of e-commerce in SA; efforts by retailer to drives sales; transaction data from Cyber Monday; and an outlook for the e-commerce sector.

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Google advertising as a growth driver for small businesses is the focus of this edition of Business Day Spotlight. Host Mudiwa Gavaza is joined by Michelle Geere, CEO of Adbot.  Adbot is a Google marketing and online advertising platform for owners of small and medium-sized enterprises (SMEs) in Africa. Geere says:“If you have a business, you need Google Ads in order to be found,” explaining that the online search engine has become what the Yellow Pages once was — a way for businesses and service providers to be found. The Adbot platform uses machine learning and automation to create a Google Ads account and helps clients set up ads. Due to its automation, Geere says the company is able to offer its services to small business owners without a set-up or monthly fee.

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Our host Mudiwa Gavaza is joined by Sanisha Packirisamy, an economist at Momentum Investments.

Topics of discussion include: local and international inflationary pressures; how the Reserve Bank is aiming to limit inflation risk through interest rates; the regulatory crackdown in China; the recently presented mid term budget; and local government elections.

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Our host Mudiwa Gavaza is joined by Michelle Manook, CEO of the World Coal Association, which represents the global coal industry. Manook says diversification will be key in the long transition from reliance on coal.

According to the department of mineral resources & energy, about 77% of SA’s primary energy needs are provided by coal. This is unlikely to change significantly in the next two decades due to the relative lack of suitable alternatives to coal as an energy source.

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MultiChoice’s investment customer service and experience to grow and hold on to its position in SA’s pay TV market is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Nyiko Shiburi, CEO of MultiChoice SA.

Topics of discussion include: what is customer experience; customer experience as a tool to gain and retain customers; how MultiChoice is taking on competition from international players like Netflix; the rationale for creating DStv Internet; investments in customers service; and feedback from DStv customers.

Business Day Spotlight is a TimesLIVE Podcasts Production.

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Responsible spending during Black Friday is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Ester Ochse, product head for FNB Money Management.

Topics of discussion include: the evolution of Black Friday and Festive Season shopping; the tension between retailers trying to recover the losses of the pandemic versus continued pressure on consumer pockets; tips for navigating Black Friday; and an outlook for consumer spending in the coming year.

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Opportunities brought about by load shedding in SA is the focus for this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Gladwin Malishe, deputy president for the Durban Chamber of Commerce and Industry; together with Clinton Carter-Brown, head of the energy centre at The Council for Scientific and Industrial Research (CSIR).

Topics of discussion include: impressions of the load shedding season that SA is in; opportunities brought on by the energy generation deficit; government policies needed to ensure that business can invest in provisioning energy services; the alternative power technologies available to people; and a look at how Eskom can be better placed to meet the country’s energy needs?

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The impact of voilence and crime on SA’s investment case is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Kieran Fahy, CEO for BNP Paribas SA.

Topics of discussion include: the impact of violence and crime on the economy and business; results from its latest study into the problem; how the study was conducted; the impact of violence on employee safety and business outcomes; and the effect of crime on the country’s investment case, as perceived by international investors.

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Our host Mudiwa Gavaza is joined by Christo Snyman, national director of forensic services at audit firm, Mazars. Snyman is also vice president at the International Association of Financial Crime Investigators’ Western Cape chapter. Topics of discussion include: an explanation of how certain kinds of fraud are being perpetrated online; popular tactics used by fraudsters to defraud people and businesses, guidelines for mitigating the risk fraud; and challenges faced in prosecuting cases of online fraud.

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This week’s mid term budget policy statement, presented by National Treasury, is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Wayne Duvenage, CEO of Organisation Undoing Tax Abuse (OUTA).

Topics of discussion include: reactions to minister Enoch Godongwana’s first medium-term budget; the tone struck by government and its plans to fix the economy; items that could have been addressed; the health of state owned enterprises; ways to fix the current spate of power outages at Eskom; and an outlook for next year’s budget.

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The state of brand communication and creative sector is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Preetesh Sewraj, CEO of the Loeries.

Topics of discussion include: the state of brand communication during the Covid-19 pandemic; the impact of the pandemic and lockdowns on revenues for creative businesses; the difference between “push” and “pull” communication; ways in which organisations can create effective messaging around Covid-19 vaccinations; the contribution of the creative sector to SA’s economy; and highlights from this year’s Loeries awards.

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Hunger and food insecurity in SA are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Isaac Chalumbira, CEO at Lionshare and co-founder of One Moment Foundation - a non-profit organisation which focuses on alleviating hunger. Topics of discussion include: the state of hunger in SA; factors driving the problem; One Moment Foundation’s model for aggregating food parcels for those who need it; the place of private business in addressing hunger; making ESG investing worthwhile for private and public sector participants; and what it will take to eradicate hunger in the country.

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The latest fuel price hikes are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Koketso Mano, an economist at FNB.

Topics of discussion include: details of the latest fuel price hike in SA; reasons for the increased prices; increasing pressure for SA consumers; the risk of inflation due to increased transport costs; inflation in other parts of the world; how central banks can manage inflationary risk; and other factors currently holding back SA’s economic recovery.

Business Day Spotlight is a MultimediaLIVE Production.

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The reality of operating a small creative agency in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Sibulele Siko-Shosha, founder and creative director of The Dumile Group.

Siko-Shosh says The Dumile Group is a unit of creative companies that service both the advertising and broadcasting spaces. The company recently got a contact to produce marketing content for MTN-backed music streaming platform, Music Time.

Topics of discussion include: Siko-Shosha’s career in the creative industry; the rationale for starting her own business; the effect of Covid-19 on the business; the state of the sector for small business owners; how she has gone about winning new business over the years; the dynamics between large and small players in the industry; and case studies of businesses that get their marketing right versus those that do not.

Business Day Spotlight is a MultimediaLIVE Production.

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With just a few days before South Africans cast their votes, local government elections are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Dr Sithembile Mbete, a senior lecturer in the department of Political Sciences at the University of Pretoria and Program director at Apolitical Academy South Africa, together with Natasha Marrian, deputy editor at the Financial Mail.

Topics of discussion include: the importance of local government elections; the importance of these elections to the economy; the impact of the pandemic and lockdowns on campaigns; and the growth of coalition politics.

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The relevance of radio broadcast advertising in the current economy is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Vukile Zondi, MD of GH Media Group.

Topics of discussion include: GH Media’s business model; the relevance of radio as a communication channel in 2021; the power of having Gagasi FM - the largest regional radio station in SA - and Heart FM under their stable; the future of effective brand advertising in the post pandemic world; what growing competition from digital channels like social media has meant for radio; and an outlook for the sector.

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Litigation funding is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Gary Sweidan, co-founder and director of Taurus Capital, a litigation funding firm.

Topics of discussion include: an explanation of the litigation funding business model; challenges faced by people in funding cases; demand from investors and consumers for such a service; how much it takes to push a large case through the court system; and the risk involved in the business model.

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The growth of online leaning in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by John Shaw, CEO of Teneo, an online learning platform.

Topics of discussion include: Teneo’s business model; growth of online learning in SA and around the world; whether online education is everyone; the impact of Covid-19 on the education sector; whether or not online leaning is here to stay; Teneo's funding journey and growth; and an outlook for the business going further.

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A system for reducing the time and cost associated with cross border payments is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Ruhling Herbst, program sponsor for TCIB at BankservAfrica. Topics of discussion include: reasons why cross border payments remain a challenge despite advancements in payments technology; BankservAfrica’s Transactions Cleared on an Immediate Basis payments service explained; what it m to have a truly open payments system; the role of regional and national regulators in putting such a system together; and what it will take to make TCIB mainstream.

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Funding challenges for small businesses are the focus on this edition Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Lelanie Bason, managing director for the academy and venture departments at MyGrowthFund Venture Partners.

Topics of discussion include: the challenges currently faced by small businesses in finding funding; reasons for this still being the status quo despite such problems existing for decades; ways in which small business owners can find and access funding; and what types of financing is best for different businesses.

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SA’s pet industry is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Irené Raubenheimer, co-founder of Rogz.

In business for the last 26 years, Rogz is a pets accessories and gear business that Raubenheimer started with Paul Fuller in the late 1990’s.

Topics of discussion include: Rogz’s business model; evolution of SA’s pet industry over the last two decades; effects of Covid-19 on the sector; how SA compares to the global industry and prospects for the future.

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The slow rate of electric vehicle (EV) adoption in SA is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Shadab Rahil, CEO of Payment24, a Cape Town based technology firm specialising in payment solutions for the transport and fleet industries.

Topics of discussion include: Payment24’s business model; factors currently holding back EV adoption in SA; the economics and business case for EVs in SA; the role of government in help to drive adoption; the role of fleet operators in driving local EV sales; and the growth in EVs around the world.

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Cross border payments are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Pardon Mujakachi, head of strategy and partnerships at Chipper Cash Africa, from Harare.

Topics of discussion include: how and why the business started; Chipper Cash’s business model; metrics around the current state of the business; how the company has been funded; the market opportunity; and where Chipper Cash hopes to take its business in SA.

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Side hustles and creating multiple streams of income are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Janine Horn, a financial adviser at Momentum.

Topics of discussion include: the growth of side-hustles around the world; factors driving the need for multiple sources of income; current state of the economy for ordinary South Africans; tools for succeeding in multiple careers; and some of the differences between a small business and a side-hustle.

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Improving the current bond market using blockchain technology is the focus in this edition of the Business Day Spotlight.

Host Mudiwa Gavaza is joined by Ian Putter, Standard Bank's group head for its Blockchain Centre of Excellence.

Topics of discussion include: the work being done by the bank’s Blockchain Centre of Excellence; current structure of the bond market; ways in which Blockchain technology can be used to improve the bond market; how public distributed ledger technologies can overcome the challenges faced by bond marketplace participants; importance of creating a decentralised economy; considerations when choosing a public distributed ledger; and the global trend towards decentralised systems of finance.

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The drop in short-term credit extension is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Johan Gellatly, MD of Altron Fintech, together with Keith Lockwood, an independent economic consultant and faculty member at business school GIBS.

Topics of discussion include: how the Afsci index was created; Altron’s reasons for creating an index; key findings from the first index results; ways in which the data can be applied in business and economics; the importance of micro lending in SA; and a comparison of Altron’s other index released back in August.

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Mandatory vaccination and its economic implications are the focus on this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Prof Keymanthri Moodley, director at The Centre for Medical Ethics & Law at Stellenbosch University. Topics of discussion include: the prevalence of vaccine mandates for diseases other than Covid-19; issues driving current vaccination hesitancy around the world; vaccinations as a tool for economic recovery; strategies for implementing vaccination drives; and the rate at which different private and public sector organizations are working to develop such policies.

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Sustainability in the world of investments and capital allocation is the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Katherine Davidson, portfolio manager for the Schroders ISF Sustainable Growth fund, from London.

Topics of discussion include: the size and scope of the Schroders Sustainable Growth fund; how investors can review alpha opportunities; identifying sustainable companies and the need for a proprietary approach for investors; sustainability considerations for investors; and an outlook of factors likely to drive sustainability in future.

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Wills and estate planning are the focus in this edition of the Business Day Spotlight podcast.

Our host Mudiwa Gavaza is joined by Zale Hechter, CEO of Cliqtech, a firm that operates estate planning platform, SmartWill.

Topics of discussion include: the rationale behind National Wills Week; SmartWill’s business model; the state of wills in SA; reasons why South Africans generally don’t have wills in place; the cost of administering an estate; and how technology is being used in the industry.

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Pick n Pay and its growing investment in retail online channels for its clothing division are in focus for this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Hazel Pillay, general manager of Pick n Pay Clothing.

Topics of discussion include: the size of Pick n Pay Clothing’s operation; their company’s new partnership with Zando; Pick n Pay Clothing’s online efforts; the place of physical retail in an environment of growing online sales; trends seen in the retail sector during the Covid-19 pandemic; and an outlook for the sector going forward.

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We review this week’s Bitcoin market crash - its causes, implications and outlook - in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Marius Reitz, GM for Africa at crytocurrency exchange Luno.

Topics of discussion include: the recent Bitcoin market crash and what it means for investors; El Salvador’s rollout of Bitcoin as legal tender; the growth of cryptocurrencies during the pandemic; an update of how SA regulators view cryptocurrencies; and an outlook for the sector. v

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Unemployment and GDP growth prospects are the focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by interview with Thanda Sithole, a senior economist at FNB.

Topics of discussion include: GDP growth through 2021; what has been driving the economy; sectors that are yet to recover; the recent change in GDP calculations by Stats SA - what does it mean; and the current state of employment in SA.

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In this edition of the Business Day Spotlight, we talk about the progress, and lack thereof, of women led businesses in SA.

Our host Mudiwa Gavaza is joined by Nontando Mthethwa, head of public affairs and communications at the Allan Gray Orbis Foundation.

Topics of discussion include: the work of the foundation; has any progress been made in getting more women into entrepreneurship in SA; statistics around the the rate of female business owners in SA; contribution of women to the formal and informal economy; challenges faced by this group of people; and ways that such hurdles can be overcome.

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The Rand is in focus, in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Terence Hove, a financial markets analyst at currency trading firm, Exness.

Topics of discussion include: performance of the Rand so far the year; is the current Rand strength sustainable or fleeting; geopolitical factors affecting SA’s economy; the country’s performance relative to its emerging market peers and the US; and the importance Covid-19 vaccinations for SA ’s economic prospects.

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The Johannesburg Stock Exchange (JSE) is front and centre in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Leila Fourie, group CEO of the JSE.

Topics of discussion include: how the exchange views the balance between new listings and delistings; does the JSE still have its place as a premier emerging markets exchange; investment in technology and systems in light of the recent trade stoppages; what is the JSE doing to keep its system secure from cyber attacks; and increasing increasing place as an investment destination.

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In this edition of the Business Day Spotlight, we talk about the potential cybersecurity risks of posting Covid-19 vaccination cards and information online.

Our host Mudiwa Gavaza is joined by Duane Nicol, cybersecurity expert at Mimecast, a cybersecurity firm that specialises in email communication.

Topics of this discussion include: the cybersecurity risks associated with posting vaccination cards on social media; social engineering and how it works; the most common forms of cyber attacks in SA; ways in which consumers and businesses can protect themselves online; and the importance of online security training.

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The ability of households to take on and manage debt is the central focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Johan Gellatly, MD of Altron Fintech, together with Dr Roelof Botha, economic advisor to Optimum Investment Group.

Topics of discussion include: how the Afhri index was created; Altron’s reasons for creating an index; key findings from the first index results; ways in which the data can be applied in business and economics; the importance of micro lending in SA; a preview of Altron’s other index set to be released in September.

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The advertising industry - its make up, relevance and evolution over time - is in focus in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Zibusiso Mkhwanazi, group CEO of Avatar Agency Group.

Topics of discussion include: the size and scope of Avatar’s business; the state of advertising in SA over the pandemic period; the place of radio, television and print advertising in a digital economy; the difference between internal and external marketing functions; some of the challenges faced by creative businesses; and skills needed to excel in the industry.

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In this edition of the Business Day Spotlight, we talk about the potential for financial literacy to increase consumer savings.

Our host Mudiwa Gavaza is joined by Farzana Botha, segment solutions manager at Sanlam Savings.

Topics of discussion include: how the financial literacy gap amongst South Africans can be addressed; the data and statistics around consumer savings in SA; ways in which the financial literacy deficit has an impact on people’s mental wellbeing; how people can upskill themselves in financial education; and what SA’s financial industry can do or has been doing to close the knowledge gap.

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With governments looking to put rules and regulations around the trading of cryptocurrency, we look at the implications of such developments in this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Saliegh Salaam, a senior portfolio manager at Old Mutual Investment Group.

Topics of discussion include: the rise cryptocurrencies; growing rebellion against against traditional financial systems; how governments and institutional investors have responded to cryptocurrencies over the years; the move towards regulating digital currencies and alternative payments; how investors can benefit from rising cryptocurrency prices and technology in a way that mitigates their risk, and an outlook of how increasing regulation is likely to affect the market globally.

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Online education is in focus on this edition of the Business Day Spotlight, as we talk to SA’s first technology startup to be valued at $1bn (R15bn).

Our host Mudiwa Gavaza is joined by Melvyn Lubega, co-founder of online education business, Go1.

Topics of discussion include: background and history to Go1’s founding; business model of Go1; the growth of education technology (edtech) around the world; China’s crackdown on edtech companies; and Go1’s investment in SA.

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Consumer savings and investment are in focus for this edition of the Business Day Spotlight.

Our host Mudiwa Gavaza is joined by Kondi Nkosi, country head for SA at Schroders, a global asset manager with more than $800bn (R11.8-trillion) under management.

Topics of discussion include: the aim of Schroders’ global study of investment; how the study was carried out; key findings from the research; difference in attitudes between retail and institutional investors; the importance of consumer saving to overall investment or funds available for investment in the country; and an outlook for SA’s investment sector.

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In this edition of the Business Day Spotlight, we discuss what the recent explosion at the Medupi power station means for SA’s electricity generation.

Our host Mudiwa Gavaza is joined by Dr Jarrad Wright, principal engineer at the CSIR, to discuss the implications.

Topics of discussion include: how the explosion occurred; how much capacity has been taken out of Eskom as result; how does this affect the risk of loadshedding; what it will cost to repair the damage; the case for renewable and independent power production; and how Eskom stacks up against similarly sized power utilities around the world.

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In this edition of the Business Day Spotlight, we talk about the state of SA’s fibre internet connectivity market, with a focus on customer service.

Our host Mudiwa Gavaza is joined by Simon Swanepoel, CEO of RocketNet, a local internet service provider that specialises in fibre.

Topics of discussion include: the history of RocketNet’s business; the evolution of SA’s fibre network industry over time; the opportunity for internet services providers in the local market; the importance of customer services for telecoms operators; challenges faced in connecting more outlying areas to fibre; and the potential impact of a new minister overseeing the telecommunication portfolio.

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In this edition of the Business Day Spotlight, we talk about the ways in which businesses affected by the recent violence and looting in SA can be helped to get back on their feet. Our host Mudiwa Gavaza is joined by Vusi Thembekwayo, CEO MyGrowthFund Venture Partners. Discussion points include details around MyGrowthFund and Sasfin’s new R350m debt fund; reasons why the two parties think a debt facility is a good way to address challenges currently being faced by affected businesses; thoughts around what it will take to rebuild confidence following the unrest; statistics illustrating the contribution of small businesses to SA’s economy; and an examination of the funding landscape in SA.

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In this edition of the Business Day Spotlight, we talk about the economic impact of this week’s cabinet reshuffle.

Our host Mudiwa Gavaza is joined by Chris Hattingh, deputy director at the Free Market Foundation, an economic research and policy think tank.

Discussion points include: background on the Free Market Foundation and its areas of work; new government appointments made in the recent reshuffle by President Ramaphosa; what the appointments tell us about the President’s likely economic direction; what impact the reshuffle will have on SA’s investment case given domestic pressure to grow and international concerns about the safety of capital locally; SA’s place in the global economy; and issues affecting its place as a trading partner.

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In this edition of the Business Day Spotlight, we talk about the state of SA’s cannabis market.

Our host Mudiwa Gavaza is joined by Theo Botha and Alwyn Marais, directors of natural supplement specialist company, Ailon Naturals.

Discussion points include Ailon Naturals business model; current state of the canaibis market in SA; the legal hurdles that cannabis geared companies have to go through to offer products legally; the size of the local market; and an outlook of opportunities that cannabis holds for the local economy.

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In this edition of the Business Day Spotlight, we talk about the effects of recent unrest on banking giant, FNB’s operations and efforts by corporates in SA to help consumers and businesses cope with the resulting fallout.

Our host Mudiwa Gavaza is joined by Jacques Celliers, FNB’s CEO to discuss and shed light on the issues.

Discussion points include the impact of recent unrest on FNB’s operations; effects on the bank’s clients; assistance to businesses; expectations for a recovery in SA; how the bank’s view on opening more branches may have been affected by recent events; and an outlook for the SA economy.

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In this edition of the Business Day Spotlight, we explore what retail transaction data can tell us about the health of SA’s economy.

Our host Mudiwa Gavaza is joined by Shergeran Naidoo, head of stakeholder engagement at BankservAfrica, the largest automated payments clearing house on the continent.

The discussion explores the results of BankserAfrica’s recent transaction reports; how the various studies were conducted; buying and spending patterns in the country; insights that can be drawn from the data; and an economic outlook for the rest of the year.

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In this edition of the Business Day Spotlight, we talk about the growth of the recycling industry in SA.

Our host Mudiwa Gavaza is joined by Matthieu de Gaudemar, co-founder and CEO of Kudoti.

The discussion focuses on Kudoti’s origins; the company’s business model; trends in the waste management sector; the opportunity for companies looking to service the market; the growth of sustainability considerations around the world; and an outlook for Kudoti.

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In this edition of the Business Day Spotlight, we talk about the vulnerability of consumers in SA.

Our host Mudiwa Gavaza is joined by Johann van Tonder, an economist and researcher from Momentum.

The discussion focuses on the results of the latest Consumer Financial Vulnerability Index done by Momentum and Unisa; key findings from the report; factors driving the economic standing of consumers; psychological factors affecting consumers; and an outlook for the economy going forward.

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In this edition of the Business Day Spotlight, we talk about how SA’s economy is currently stacking up against its emerging market counterparts, following the unrest seen last week in Gauteng and KZN.

Our host Mudiwa Gavaza is joined by Adriaan Pask, chief investment officer of PSG Wealth.

The discussion focuses on the impact of recent unrest on SA’s economic outlook; the growth of civil unrest in other parts of the world; the state of emerging market economies at the moment; how SA compares to other major emerging market counterparts; and performance of the Rand in recent months.

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In this edition of the Business Day Spotlight, we talk about the impact of recent unrest in Gauteng and KZN on consumer confidence in SA and the wider economy.

Our host Mudiwa Gavaza is joined by George Kershoff, deputy director at the Bureau of Economic Research (BER), to discuss the issues.

The discussion focuses on the work of the BER; the state of consumer confidence in SA; impact of the recent unrest on consumers; ways in which the unrest will affect SA’s economic recovery; pressures faced by consumers given the lockdowns and continued uncertainty; and an outlook for the country going forward.

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In this edition of the Business Day Spotlight, we talk about the use of technology in the taxi industry.

Our host Mudiwa Gavaza is joined by Mbavhalelo Mabogo, Founder and CEO of Quickloc8, a startup, specialising in technology for the taxi industry.

The discussion focuses on Quickloc8’s business model; the products and services offered by the company; challenges and opportunities for the use of technology in the tax industry; Quickloc8’s funding objectives; and the startup’s plans for the future.

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Our host Mudiwa Gavaza is joined by Shawn Theunissen, president of the Johannesburg Chamber of Commerce and Industry (JCCI).

The discussion focuses on the work of JCCI; the impact of unrest in Gauteng and KZN on SA’s economy; the importance of Johannesburg as an economic hub; stories of businesses that have destroyed or harmed by looters; efforts being made to help affected businesses get back on their feet; rising cases of unrest around the world; how Covid-19 has exposed cracks in modern societies and the economic system; and an outlook for SA’s recovery.

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In this edition of the Business Day Spotlight, we talk about how one of SA’s fastest growing insurance companies is using technology to stand out and achieve growth.

Our host Mudiwa Gavaza is joined by Anton Ossip, chief executive officer of Discovery Insure, to shed light on their business. The discussion focuses on Discovery Insure’s business model; the impact of Covid-19 on the insurance sector; the unit’s use of and investment in technology; the partners that Discovery works with to develop its technology platforms; changing driver behaviours through incentives; and trends likely to affect sector lie the growth of cyber insurance.

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In this edition of the Business Day Spotlight, we talk about the impact of cyber attacks on small businesses.

Our host Mudiwa Gavaza is joined by Neil Hare-Brown, CEO of STORM Guidance, a cybersecurity specialist firm.

The discussion focuses on the rise in cyber attacks and in turn the growth of the cybersecurity industry; rationale for creating the CyberCare service; tips for being safe online; what to do in the case of a cyber attack; STORM Guidance’s other areas of business; and impact of Covid-19 on cybersecurity.

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In this edition of the Business Day Spotlight, we talk about the progress made in implementing Cell C’s new network strategy.

Our host Mudiwa Gavaza is joined by Schalk Visser, chief technology officer at Cell C, together with Simo Mkhize, the mobile operator’s chief commercial officer.

The discussion focuses on why is Cell C decommissioning their radio access network; clarity around Cell C’s network structure versus that of an MVNO; the future of Cell C’s network, roaming on MTN and Vodacom; thoughts around the current spectrum allocation impasse; infrastructure sharing as a model for doing business as a telco of the future; and how Covid-19 has changed the telecoms sector.

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Our host Mudiwa Gavaza is joined by Bada Pharasi, chief operations officer at The Innovative Pharmaceutical Association of SA (IPASA).

The discussion focuses on the structure and operations of IPASA; the companies and organisations that make up IPASA; the effects of Covid-19 on the pharmaceutical industry; thoughts around SA’s vaccine rollout; issues holding back the effective rollout of the vaccine in SA; efforts being made by private sector players to improve access to medicine during the pandemic; and ways in which pharmaceutical and other private companies are working to reduce vaccine reluctance.

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In this edition of the Business Day Spotlight, we talk about the state of SA’s radio industry with one of the country’s most prominent broadcasters.

Our host Mudiwa Gavaza is joined by Trish Taylor, chief broadcasting officer at Primedia Broadcasting, operators of Radio 702, 947, Cape Talk and Kfm.

The discussion focuses on how Primedia’s has faired during the pandemic; the effects of Covid-19 on the wider broadcast industry; how radio stations have coped with reduced advertising revenues; changes in listener trends brought on by lockdowns; the rise of digital platforms like podcasting; and an outlook for the sector going forward.

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In this edition of the Business Day Spotlight, we talk about the investment opportunities offered by small to medium sized companies on the JSE.

Our host Mudiwa Gavaza is joined by Vanessa van Vuuren, a portfolio manager and equity analyst at Sanlam Investments.

The discussion focuses on the potential of small to medium sized stocks on the JSE for wealth creation; the performance of these companies - before and after the pandemic; the lack of attention that such stocks suffer from; the impact of the economy on company prospects; Sanlam’s investment philosophy around such stocks; and an outlook of which sectors see good growth in the coming decades.

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In this edition of the Business Day Spotlight, we talk about what it means to operate a black information technology (IT) firm in SA.

Our host Mudiwa Gavaza is joined by Lethabo Mokone, CEO of Makwa IT.

The discussion focuses on the founding on Makwa IT; what it means to own and run an IT firm during the pandemic; Mokone’s family and entrepreneurship background; relationship with clients, both in the public and private sectors; and Mokone’s plans for growing the business.

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In this edition of the Business Day Spotlight, we talk about EOH’s recent sale of its Sybrin group of businesses, for R410m.

Our host Mudiwa Gavaza is joined by Marius Mare, Sybrin Group CEO and Hendrik Jordaan, CEO of One Thousand & One Voices Management (1K1V), to discuss the issues. The discussion focuses on the rationale for the deal; ambitions of the two parties moving forward; thoughts around the growth of fintech businesses in recent years; the opportunities that still exist for those looking to tackle financial inclusion; the effect of Covid-19 on investment; and an outlook for the sector.

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n this edition of the Business Day Spotlight, we talk about the outlook of business leaders in Africa about the economy.

Our host Mudiwa Gavaza is joined by Lullu Krugel, chief economist for PwC SA, to discuss the issues.

The discussion focuses on GDP figures released earlier this week; President Cyril Ramaphosa speech on Thursday about the state of the economy; the impact of load shedding on SA’s prospects; PwC’s recent Africa Business Agenda 2021 report; the attitude of African business leaders regarding the economy; regional integration; the impact of vaccine rollout on Africa’s economy; and an outlook for the rest of the year.

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In this edition of the Business Day Spotlight, we talk about the use and growth of online investment trading platforms in SA.

Our host Mudiwa Gavaza is joined by Dany Mawas, regional director at Infinox, an online trading platform.

The discussion focuses on the current online trading landscape in SA; the rationale for Infinox’s expansion into SA; the opportunity that the company sees in the local market; how the company has performed in SA; the impact of Covid-19 on online trading; Infinox’s business model and advice for South African traders.

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In this edition of the Business Day Spotlight, we talk about the impact of online learning on loyalty programs in SA.

Our host Mudiwa Gavaza is joined by Nathea Nicolay, Head of product at Sanlam Reality, the insurer’s loyalty program.

The discussion focuses on Sanlam’s investment in online education as a feature of their loyalty program; the evolution of the group’s loyalty program through the pandemic; ways in which companies have had to reconfigure their loyalty programs due to changes in the economy; loyalty programs as a tool for retaining customers; and an outlook for the sector going forward.

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In this edition of the Business Day Spotlight, we talk about the state of employment in SA.

Our host Mudiwa Gavaza is joined by Sifiso Skenjana, chief economist of IQ Business to discuss the issues.

The discussion focuses on the latest unemployment figures released this week; factors that have contributed to current rates; how different industries and sectors have fared in terms of hiring; factors discouraging people from seeking employment; the impact of technology on the jobs sector; policies that need to be put in place for sustainable hiring in future; and an outlook for SA’s economy in the rest of 2021.

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In this edition of the Business Day Spotlight, we talk about the development of health technology services in SA.

Our host Mudiwa Gavaza is joined by Sheraan Amod, founder and CEO at RecoMed, a healthcare booking platform.

The discussion focuses on RecoMed’s business model; the development of health technology platforms in SA; the effect of Covid-19 in helping to increase the use of technology for healthcare professionals and patients; opportunities in the industry; ways in which technology can be made more accessible in the local healthcare system.

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In this edition of the Business Day Spotlight, we talk about the growth of digital payments in SA.

Our host Mudiwa Gavaza is joined by Aldo Laubscher for country manager for SA at Visa.

The discussion focuses on Visa’s role as a technology company and its relationship with the financial services industry; the growth of digital payments around the world; the trends seen by Visa during the pandemic; how digital payments have fared versus cash; collaborations that Visa has with other fintech companies; and an outlook for the industry.

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In this edition of the Business Day Spotlight, we talk about the growth of the bond market over the pandemic period.

Our host Mudiwa Gavaza is joined by Victor Mphaphuli, the head of Stanlib’s fixed income division.

The discussion focuses on the role of Stanlib’s fixed income unit; how the bond market works; the performance of fixed income relative to other assets classes; the impact of Covid-19 on the bond market; the risks and opportunities associated with bonds; and an outlook for the market.

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In this edition of the Business Day Spotlight, we talk about growth of the African tech startup industry.

Our host Mudiwa Gavaza is joined by Iyinoluwa Aboyeji, founder and general partner at Future Africa, together with Okendo Lewis-Gayle, founder and chair of the Harambe Entrepreneur Alliance (HEA).

The discussion focuses on the work being done by Aboyeji and Lewis-Gayle; the importance of networking for entrepreneurs and startups; Aboyeji and Lewis-Gayle’s career highlights; identifying gaps in the African startup ecosystem; highlighting the available opportunities for new startups; and tips around finding the right investor for a business venture.

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In this edition of the Business Day Spotlight, we talk about what it takes to run and operate a business successfully in the digital economy.

Our host Mudiwa Gavaza is joined by William Mzimba, Chief Officer of Vodacom Business.

The discussion focuses on the activities of Vodacom Business and its performance in the last financial year; an overview of their new report on the readiness of business to trade in a digital economy; highlights from the study; the growing power of consumers; investment in technology; and advice for businesses looking to take advantage of the trends.

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In this edition of the Business Day Spotlight, we talk about the use of mobile power station as possible solution for SA’s current energy crisis.

Our host Mudiwa Gavaza is joined by Peter Bird, a Managing Director at Berkeley Research Group (BRG)’s Singapore office.

The discussion touches on SA’s emergency plan to address the energy crisis; the case for using mobile power stations to support power generation; how such technology and approaches have been used in parts of Asia and South America; the costs involved; the economics of renewable energy; and an outlook of progress in the sector.

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In this edition of the Business Day Spotlight, we talk about SA’s smartphone market with one of the world’s large device manufacturers, Oppo.

Our host Mudiwa Gavaza is joined by Liam Faurie, head of go to market and operations at Oppo SA.

The discussion focuses on the size and scope of OPPO’s operation globally and in SA; how Oppo plans to differentiate itself from its competitors in the smartphone industry; market dynamics in the local smartphone market; how Oppo navigates being potentially blacklisted like Huawei; whether the company plans to open a factory in Africa to manufacture its phones; how the brand performed in other emerging markets; Oppo’s relationship with its sister brands like Vivo and OnePlus; and the relationship built with local mobile operators.

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In this edition of the Business Day Spotlight, we talk about the story of a South African who managed to defraud international investors out of million of Dollars through a series of scams.

Our host Mudiwa Gavaza is joined by Stephen Timm, author of “At Any Cost”, a book detailing the fraud saga of South African tech entrepreneur Eran Eyal.

The discussion focuses on the writing and development of the book, an explanation of Eyal’s scams, flaws in the tech startup funding system and the importance of interrogating business models.

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In this edition of the Business Day Spotlight, we talk about the rise of ESG or sustainable investing.

Our host Mudiwa Gavaza is joined by Kingsley Williams, chief investment officer at Satrix, one of SA’s biggest providers of index-tracking investment solutions.

The discussion focuses on the distinction between sustainability and ESG; the rise of ESG investing; the rationale for investing in ESG funds; reason why people might invest in ESG index strategies; and whether the trend is here to stay.

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Our host Mudiwa Gavaza is joined by the president of the Republic of Estonia, Her Excellency, Kersti Kaljulaid.

The discussion focuses on the trajectory of digital transformation in Estonia and what are the lessons which South Africa can learn; how has Estonia ensured digital resilience during the Covid-19 crisis; the concept of e-Residency and way is it assisting entrepreneurs and freelancers to operate businesses in the European Union; how the Estonian government has managed to keep its systems running during the pandemic; what made Estonia decide on giving e-residency to people around the world initially; and some of the measures that Estonia has taken during this time to cope with the pandemic.

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In this edition of the Business Day Spotlight, we talk about the drawbacks of passwords in the digital economy that has technology firms around the world considering a “passwordless” future.

Our host Mudiwa Gavaza is joined by Richard Archdeacon, who head’s up Cisco’s advisory chief information security officer organisation for Europe, Middle East, Africa and Russia.

This discussion focuses on the history of passwords in digital environments; the benefits that first led to their wide use and adoption; the inefficiencies and threat that passwords systems face in the modern economy; alternative authentication methods - their benefits and drawbacks; ways in which criminals can exploit password systems; Cisco’s investment in cybersecurity; and the steps needed to get the world to a passwordless future.

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In this edition of the Business Day Spotlight, we talk to one of the country’s largest medical aid administrators about their investment in technology and the future of healthcare in a digital world.

Our host Mudiwa Gavaza is joined by Ryan Noach, CEO of Discovery Health, to discuss the issues.

The discussion focuses on Discovery’s investment and use of technology; the of role data in health management for patients and doctors; the role of data analytics play during Covid-19; trends in digital healthcare; and an outlook on the the future of healthcare.

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In this edition of the Business Day Spotlight, we talk to one of the country’s largest banks - FNB - about their use of and investment in technology.

Our host Mudiwa Gavaza is joined by Jacques Celliers, FNB's CEO to discuss and shed light on the issues.

The discussion focuses on FNB’s use of technology over the last decade; the influence of Covid-19 on technology in financial services; the bank’s digital banking platform; the constant race to reduce friction and headaches for banking clients; FNB’s investment in cybersecurity; the bank’s relationship with regulators; and how the group is thinking about physical presence going forward.

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In this edition of the Business Day Spotlight, we talk about the growth on e-commerce in SA based on new research from one of the country’s largest online payments providers.

Our host Mudiwa Gavaza is joined by Karen Nadasen, CEO of Prosus-backed fintech company, PayU SA, to discuss the issues and trends.

The discussion focuses on highlights from PayU’s new report; how the study conducted; sectors on the rise within e-commerce, opportunities for people looking to capitalise on SA’s e-commerce growth; contrasting SA’s performance to that of other African countries; and an outlook for the sector.

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In this edition of the Business Day Spotlight, we talk about the risk of inflation ahead of the SA Reserve Bank (SARB)’s upcoming monetary policy decision.

Our host Mudiwa Gavaza is joined by Annabel Bishop, chief economist at Investec to discuss the issues.

The discussion focuses on the recent interest rate decision by the US Federal reserve; the effect of such a policy stance on other central banks; looking at the options that the SARB has when making its own decision; the Rand as a commodity and emerging market currency; the importance of credit ratings in a post-pandemic world; sentiment in SA’s household sector; and an outlook for SA’s economy for the rest of the year.

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In this edition of the Business Day Spotlight, we talk about the possible effect of strike action on investor sentiment towards SA.

Our host Mudiwa Gavaza is joined by Andrew Duvenage, MD of NFB Private Wealth Management.

The discussion focuses on the potential impact of strikes on investment sentiment; the attitude of investors - both in and out of SA; the country’s current economic trajectory; NFB’s business model and an outlook for the rest of the year

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In this edition of the Business Day Spotlight, we talk about the medical cover shortfalls that are hurting consumers.

Our host Mudiwa Gavaza is joined by Travys Wilkins, chief executive guru of insurance comparison platform Compareguru.

The discussion focuses on the importance of gap cover, the disparity between the amounts paid by medical aids versus what is charged by doctors and hospitals, the need for greater consumer education around medical cover and Compareguru’s business model.

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In this edition of the Business Day Spotlight, we talk about the economics of vaccinating the African population from Covid-19.

Our host Mudiwa Gavaza is joined by Dr Ernest Darkoh, a founding partner of the BroadReach Group, a group of social impact businesses focused on public health issues.

The discussion focuses on the rollout of Covid-19 vaccines in Africa; challenges and opportunities around the rollout; the strength of African economies; the importance of regional integration; and how current rollout practices can be improved.

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In this edition of the Business Day Spotlight, we talk about the importance of continuous learning in organisations.

Our host Mudiwa Gavaza is joined by Michael Gullan, CEO of G&G Advocacy to discuss the issues.

The discussion focuses on the important of continuous learning by employees in corporate SA; the responsibility of companies in ensuring that their people have access to learning tools; technology as enabler for further learning; and the challenges that people face when it comes to putting together an effective learning program for staff.

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In this edition of the Business Day Spotlight, we talk about what it means to grow and maintain one of the country’s best known brands, Nando’s.

Our host Mudiwa Gavaza is joined by Doug Place is the chief marketing officer of Nando's business in India, Middle East and Africa.

The discussion focuses on the functions of Nando’s marketing function; its place in executing the group’s strategy; the development of effective campaigns; differentiation across countries; internal versus external marketing considerations; the evolution of marketing channels over time; and the effects of Covid-19 on the group’s brand.

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In this edition of the Business Day Spotlight, we talk about how one of the country’s largest banking groups is making use of cloud computing to improve its business and operations.

Our host Mudiwa Gavaza is joined by Andrew Baker, Absa’s group chief technology officer, to discuss the issues.

The discussion focuses on how Absa has made use of cloud computing to improve its offering to clients, cut costs, develop new technology faster, while at the same working to make sure that staff have the skills to use and develop new banking platforms.

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In this edition of the Business Day Spotlight, we talk about the performance of economies in the SADC and East African regions.

Our host Mudiwa Gavaza is joined by Jacques Nel, head of macro-economic research for Africa at NKC African Economics, to chat about the issues.

The discussion focuses on the economic performance of countries in the SADC region, specifically Botswana, Namibia and Mozambique; then looking at growth in East Africa; progress made in terms of vaccinations; and an outlook for the two regions.

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n this edition of the Business Day Spotlight, we talk about the use of digital banking and accounting services by small business owners in SA.

Our host Mudiwa Gavaza is joined by Colin Timmis, country manager at Xero SA - a digital accounting software service; together with Alan Shannon, Nedbank’s executive for client engagement in their professional and small business banking unit.

The discussion focuses on the value of Xero and Nedbank’s new partnership, digital banking adoption amongst small business owners, the effects of Covid-19 in spurring entrepreneurs to take up digital channels for managing their businesses, and the concept of software as a service.

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In this edition of the Business Day Spotlight, we talk about the impact of recent electricity tariffs hikes on SA consumers.

Our host Mudiwa Gavaza is joined by Rob Gwerengwe, CEO of the middle market segment at FNB.

The discussion focuses on the effects of the recent 15% increase in electricity tariffs on SA households, general effects of the pandemic on consumer spending in SA, people leaning more on credit to finance day to day expenses and the growth of the gig economy as families and individuals look to supplement their incomes.

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In this edition of the Business Day Spotlight, we talk about the performance of global coffee company, Starbucks’ business in SA.

Our host Mudiwa Gavaza is joined by Adrian Maizey, CEO of Starbucks Southern Africa and founder of the Rand Group.

The discussion focuses on the Rand Group’s decision to takeover the Starbucks license in SA, the company’s strategy to grow the business, trends in the local coffee market, as well as changes brought on by Covid-19 and lockdown.

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In this edition of the Business Day Spotlight, we talk about how SA consumers have taken to virtual financial advice.

Our host Mudiwa Gavaza is joined by Lisa Hovgaard, divisional director of change, communication and trade marketing at Liberty, to discuss the issues.

The discussion touches on how the shift to virtual financial advice has affected consumers, the ways in which Liberty has had to change its offering in the face of rapid technology change, challenges still holding back many people from having open conversations about money, and an outlook of how the financial advice industry has likely been permanently affected by the pandemic.

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In this edition of the Business Day Spotlight, we talk about the logistics around SA’s vaccine rollout. Our host Mudiwa Gavaza is joined by Professor Alex van den Heever from the Wits School of Governance. The discussion focuses on the state of vaccinations in SA, the economics of procuring doses, difference in rollout between developed and developing countries and the potential of a third wave of infection in SA.

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In this edition of the Business Day Spotlight, we talk about the use of online platforms to access international investment opportunities.

Our host Mudiwa Gavaza is joined by Scott Picken, CEO of Wealth Migrate, an investment technology platform.

The discussion focuses on crowdfunding shares, the increasing power of retail investors over the last year, the use of technology to give people access to international investing opportunities, ending off with thoughts around recently development in blockchain technology and non-fungible tokens (NTF’s) which have been making the news in recent weeks.

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In this edition of the Business Day Spotlight, we talk about the implications of the Recognition of Customary Marriages Amendment Bill.

Our host Mudiwa Gavaza is joined by David Thomson, Senior Legal Advisor at Sanlam Trust to discuss the proposed changes to the law.

The discussion focuses on why the current Customary Marriages Act is inconsistent with the SA Constitution and invalid; what the amended act would change in terms of law and what this means for those currently married under the current act or those who plan to enter into a customary marriage in the future; together with real life examples of recent customary marriages cases.

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In this edition of the Business Day Spotlight, we talk about the state of SA’s neighbouring economies as Covid-19 vaccination efforts get underway.

Our host Mudiwa Gavaza is joined by Daniel Kavishe, an economist at investment bank, RMB, who specialises in Sub-Saharan Africa.

Kavishe talks to us about the state of African economies, especially those in SADC since the start of the year, how they been affected by the second wave of the pandemic, ending with an outlook for the region in light of ongoing vaccination efforts and the start of the Africa Continental Free Trade Agreement.

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In this edition of the Business Day Spotlight, we talk about the state of SA mobile network providers, listed on the JSE.

Our host Mudiwa Gavaza is joined by David Lerche, head of equities at Sanlam Private Wealth.

Lerche spends time focusing on the investment case for each of the large listed telecoms operators: Vodacom, MTN and Telkom; as well as a look at growth prospects for each of the companies; how telecoms operators performed relative to their JSE counterparts over the last year; and an outlook for telecoms companies for the rest of 2021.

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In this edition of the Business Day Spotlight, we talk about the feasibility of free education in SA, given the strain on state finances as the country grapples to recover from the devastation of the Covid-19 pandemic.

Our host Mudiwa Gavaza is joined by Dr Oscar Van Heerden, director of Kelello Consulting, a firm that has been operating in the education space for the last two decades, to discuss the issues.

The discussion focuses on the viability of free education in SA, the state of pubic finances, the effects of Covid-19 on the economy, social spending and the value of getting a tertiary education.

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In this edition of the Business Day Spotlight, we talk about the economics of running one of SA’s best known restaurant and takeaway businesses during the Covid-19 pandemic.

Our host Mudiwa Gavaza is joined by Simon Adams, chief financial officer at Nando’s SA, to discuss the issues.

Adams discusses Nando’s business model in SA and other parts of the worldNando’s business investment in online food delivery and marketing, what makes Nando’s operating model different to its competitors, as well as the importance of a good CFO during crisis times.

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In this edition of the Business Day Spotlight, we talk about how much ordinary South Africans actually care about macroeconomic issues like the recently announced national budget for 2021.

Our host Mudiwa Gavaza is joined by Matt Kloos, CFO of CompariSure, a fintech operator.

The discussion focuses on the key findings from CompariSure’s recent survey on what South Africans thought of the 2021 Budget Speech; how South Africans are feeling about the direction of SA's economy; as well as some positive take-outs from what the data in the survey revealed.

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In this edition of the Business Day Spotlight, we talk about the shift in mindsets around remote working and the implications for businesses relating with customers.

Our host Mudiwa Gavaza is joined by Robin Fisher, senior area vice president of Salesforce’s Emerging Markets unit to discuss the issues.

The discussion focuses on work from home trends, Salesforce’ shifting relationship with its clients due to the change, the company’s software, the role of cloud computing in a remote working world, the economic impact of Salesforce’ business in SA as well as career prospects for people who choose to become a part of the ecosystem.

Business Day Spotlight is a MultimediaLIVE Production.

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In this edition of the Business Day Spotlight, we talk about how much money SA is making by selling goods to the rest of the world versus money spent bringing in items from other countries.

Our host Mudiwa Gavaza is joined by Bobby Madhav, FNB’s head of trade and structured trade and commodity finance, to discuss the issues.

The discussion focuses on what international trade is, current trade statistics, the role of a bank when businesses import and export goods, sectors that engage in significant international trade and an outlook of how the economic recovery will affect the trade balance.

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In this edition of the Business Day Spotlight, we talk about small business funding with a venture capital fund.

Our host Mudiwa Gavaza is joined by the team from Hlayisani Growth Fund (HGF): Dr Reuel Khoza, chairman and Dr Eugene van Rensburg, a partner.

HGF is an investment firm that has raised R350m to invest in small, technology backed businesses that have the potential for high growth.

The discussion centres around the rationale for creating HGF, what the main thrust will be for the fund, problems of raising capital for small businesses, the investment philosophy and thesis for HG, and what type of businesses they are looking to invest in?

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In this edition of the Business Day Spotlight, we talk about how open source based software solutions with one of the the world largest providers of such technology.

Our host Mudiwa Gavaza is joined by Dion Harvey, general manager for the Sub-Saharan Africa region at software firm, Red Hat, to discuss the issues.

The discussion centres around the what is meant by open source, advantages of using such code as the base for software products and solutions, shifting mindsets for companies when it comes to creating bespoke software, as well as the effects of Covid-19 on the computer programming fraternity around the world.

Business Day Spotlight is a MultimediaLIVE Production.

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In this edition of the Business Day Spotlight, we review the recently announcement national budget for 2021, putting in practical terms what it may mean for ordinary South Africans.

Our host Mudiwa Gavaza is joined by a team from professional services firm, PwC SA, comprising Lullu Krugel, the firm’s chief economist and Kyle Mandy, a tax technical leader.

The discussion focuses on impressions of the budget speech, the balancing act that National Treasury is trying to perform for the economy, funding state owned enterprises, electricity generation in SA, the effect of tax changes for South Africans, and an economic outlook for the rest of the year.

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In this edition of the Business Day Spotlight, we talk about the growth of technology adoption and cloud computing around the world, driven in part, by the Covid-19 pandemic.

Our host Mudiwa Gavaza is joined by Mick McNiel, vice president for global business development at Logicalis, a subsidiary of JSE listed technology firm, Datatec. He joins us from Ireland.

The discussion focuses on the effect of Covid-19 on digital transformation in various parts of the world, the work that needs to be done for companies to fully take advantage of cloud computing’s potential, a view of SA’s technology adoption versus other regions and which new technologies are likely to shape the coming decade.

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In this edition of the Business Day Spotlight, we talk about discuss the upcoming national budget speech set for this week.

Our host Mudiwa Gavaza is joined by Johann van Tonder, an economist at Momentum Investments.

The discussion centres around expectations for government revenues and shortfalls; thoughts around how the government is likely to fund the expected shortfall; whether the government is likely to raise taxes through VAT or personal income taxes and are we likely to see increased social spending in the form of relief grants in the coming year?

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In this edition of the Business Day Spotlight, we talk about the state of governance in SA and possible for the implications for the country and economy.

Our host Mudiwa Gavaza is joined by Professor Lawrence Hamilton, Political Studies at the University of the Witwatersrand (Wits), to discuss the issues. Hamilton is also the SA-UK bilateral research chair in political theory at Wits and Cambridge. The discussion touch on structural issues that help to breed corruption, how SA compares to other countries when it comes to governance, ways in which the system could be improved, as well as the difference between systemic and individual corruption.

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In this edition of the Business Day Spotlight, we talk about how artificial intelligence (AI) could be used to solve SA’s current energy crisis.

Our host Mudiwa Gavaza is joined by Dr Mark Nasila, chief analytics officer in FNB’s chief risk office, to discuss the issues.

The discussion focuses on how to make SA a technology-led economy while addressing concerns that machines could take jobs away from South Africans, changes to current education standards to make AI widely understood and applied across various industries.

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In this edition of the Business Day Spotlight, we talk about the economic implications of the recently held State of the Nation Address (SONA) by President Cyril Ramaphosa.

Our host Mudiwa Gavaza is joined by Annabel Bishop, chief economist at Investec, together with Dawie Roodt, chief economist at Efficient Group for a comprehensive examination of the speech.

Bishop and Roodt give their initial impressions of the President’s remarks before discussing the implications for business and electricity generation.

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In this edition of the Business Day Spotlight, we talk about one investment firm’s mission to increase financial literacy in SA through fiction.

Our host Mudiwa Gavaza is joined by Malcolm Fair, MD at global investment firm, RisCura, together with author, Angela Makholwa.

The discussion also focuses on the importance of financial literacy, the use of fiction to explain complex financial concepts and the target market for their a collection of financially-focused stories.

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In this edition of the Business Day Spotlight, we talk about MTN’s effort to bring low cost “fibre quality” internet services to underserved areas of SA.

Our host Mudiwa Gavaza is joined by Calvin Collett, managing director of Supersonic, MTN SA’s internet service provider unit.

Collett outlines MTN’s AirFibre service, how the technology compares to fibre and mobile, the cost for consumers, the areas that MTN is looking to roll the technology out to, factors driving demand for connectivity in SA, as well as the impact of Covid-19 on the mobile operator’s business.

Listen in to hear the full discussion and thoughts around these and other questions.

Business Day Spotlight is a MultimediaLIVE Production.

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In this edition of the Business Day Spotlight, we discuss the potential impact of the proposed changes outlined in the Employment Equity Amendment Bill.

Our host Mudiwa Gavaza is joined by Lauren Salt, an executive in the employment department at law firm, ENSafrica.

Salt explains the difference between “employment equity” and “BEE”, while giving the arguments for and against the proposed amendments. She also breaks down how the changes could practically affect businesses if they are enacted into law and also outlines some of the challenges that could be faced when it comes to enforcement.

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In this edition of the Business Day Spotlight, we discuss how the restaurant industry has been affected by the pandemic, restrictions on trading hours and liquor sales.

Our host Mudiwa Gavaza is joined by Wendy Alberts, CEO of the Restaurants Association of SA (RASA), an industry body, to discuss the issues.

The discussion focuses on the plight of restaurant owners during this time, the hardship faced by employees and suppliers, the alleged abuse of liquor licenses by different businesses, the burden of negotiating with landlords and lenders, the need for greater support of the industry and ways in which operators can ensure compliance, thereby reducing the risk of future restrictions on the industry.

Listen in to hear the full discussion and thoughts around these and other questions.

Business Day Spotlight is a MultimediaLIVE Production.

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In this edition of the Business Day Spotlight, we discuss how international quality and assurance standards could be used to prevent corruption in the local Covid-19 vaccine supply chain.

Our host Mudiwa Gavaza is joined by Muhammad Ali, CEO of World Wide Industrial and Systems Engineers (WWISE) to discuss the issues.

The discussion also touches on the work being done to ensure compliance by suppliers, failings that led to PPE tender irregularities last year, ISO standards that deal with bribery and difficulties that may be by local vaccine suppliers to ensure compliance with standards.

Listen in to hear the full discussion and thoughts around these and other questions.

Business Day Spotlight is a MultimediaLIVE Production.

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In this edition of the Business Day Spotlight, we talk about the state of public finances and taxes as the government grapples to create a budget for the year.

Our host Mudiwa Gavaza is joined by Keith Engel, CEO of the South African Institute of Tax Professionals (SAIT).

The discussion also focuses on the state of public finances, the upcoming national budget, the possibility of new rounds of stimulus in SA and the practicality of increasing taxes.

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In this edition of the Business Day Spotlight, we look at the growth and evolution of online education in SA.

Our host Mudiwa Gavaza is joined by Riaz Moola, founder and CEO of HyperionDev, an education technology firm.

The conversation focuses on HyperionDev’s business model, the company’s scholarship program, career prospects of people with data driven or programming qualifications, the evolution of online learning in SA, the effect of Covid-19 on the sector, as well as detailing the barriers still holding many learners in SA from being able to take advantage of online learning.

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In this edition of the Business Day Spotlight, we look back at the week’s top economics news - focusing on interest rates, inflation and the US presidency.

Our host Mudiwa Gavaza is joined by Peter Bauer, a professor at the University of Johannesburg’s School of Economics.

Bauer talks about the latest interest rate decision by the Reserve Bank, the economic shifts to e-commerce, online learning and remote working; the plight of commercial property - especially offices; the role of stimulus locally; and an outlook for the year.

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In this edition of the Business Day Spotlight, we’re looking at the technology trends that have shaped the last year and looking to those likely to take hold in 2021.

Our host Mudiwa Gavaza is joined by Gordon Thomson, vice president of technology acceleration for Europe, Middle East, Africa and Russia, at global technology firm, Cisco.

Thomson recaps technology trends of the last year before looking at those likely to take hold in 2021, regional technology adoption and ways in which Cisco is adapting its offerings to rapid technology changes, the process and feedback from clients.

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In this edition of the Business Day Spotlight, we’re looking at ways in which technology can help to save small hotels and guesthouses in SA.

Our host Mudiwa Gavaza is joined by Niels Verspui, Country Manager of RoomRaccoon, a hotel management software for independent hotels, guest houses and vacation rentals.

The discussion focuses on RoomRaccoon’s business model, Verspui’s decision to relocate to SA, the effects of Covid-19 on their business, ways in which technology can save small hotels and guesthouses and outlook for the sector.

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In this edition of the Business Day Spotlight, we’re looking at prospects for the SA economy in the coming year. .

Our host Mudiwa Gavaza is joined by Sanisha Packirisamy, an economist at Momentum Investments.

We discuss the role of stimulus in the US versus in SA, how SA’s has done in relations to emerging market peers and developed nations, the state of public finances, outlook for the upcoming inflation numbers and the Reserve Bank’s interest rate decision.

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In this edition of the Business Day Spotlight, we’re looking at the rise of cryptocurrencies like Bitcoin during the Covid-19 pandemic.

Our host Mudiwa Gavaza is joined by Richard de Sousa, CEO at AltCoinTrader, a local cryptocurrency exchange.

The discussion also focuses on AltCoinTrader’s trading volumes, uptake of cryptocurrencies in SA, how US regulators have allowed banks to use blockchain as a payment layer, issues holding local institutional investors from the market and the company’s new savings product.

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In this edition of the Business Day Spotlight, we’re looking back at how to manage remote teams more efficiently.

Our host Mudiwa Gavaza is joined by Jared Whitaker chief operating officer of FlowState, a technology company.

Whitaker discusses their business model, ways in which businesses can more manage remote teams more efficiently and other services that the group provides.

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In this edition of the Business Day Spotlight, we’re looking back at some of the top economics news and events of 2020.

Our host Mudiwa Gavaza is joined by Sifiso Skenjana, chief economist of IQ Business to review the year in the economy.

The discussion focuses on third quarter GDP figures released by Stats SA this week, the response of government to the Covid-19 crisis through the year, how businesses have gone about adapting to the environment, issues that have stood out through the year and an economic outlook 2021.

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In this edition of the Business Day Spotlight, we’re looking at how university based science and technology businesses are finding ways to make money from their ideas.

Our host Mudiwa Gavaza is joined by Wayne Stocks, partner at the University Technology Fund (UTF) and Professor Resia Pretorius from BioCODE.

This discussion touches on the mandate of the UTF, projects that BioCODE is working on, collaboration between different universities, the ongoing debate around intellectual property and plans for the future.

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In this edition of the Business Day Spotlight, we look at how e-commerce has been embraced by South Africans in 2020, reflecting on transaction data from Black Friday which took place at the end of November.

Our host Mudiwa Gavaza is joined by Karen Nadasen, CEO of fintech company, PayU SA. She is also the chairperson of the Ecommerce Forum of SA.

Nadasen talks about PayU’s business in SA and around the world; transaction volumes experienced on Black Friday and Cyber Monday; the rate of e-commerce adoption in SA; factors holding the country back from greater adoption; and an outlook for 2021.

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In this edition of the Business Day Spotlight, we’re looking at the development of digital payments infrastructure in SA.

Our host Mudiwa Gavaza is joined by Jan Pilbauer, CEO at BankservAfrica, which clears and processes bank card, ATM and EFT transactions between the country’s banks as part of the SA National Payments System.

The discussion also touches on BankservAfrica’s business model, relationship with banks and SA Reserve Bank, the amount of transactions processed by their systems on a daily basis, ways in which payments can be improved in SA, the Rapid Payments Program and cross border payments.

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In this edition of the Business Day Spotlight, we take a look at the development of the shipping container market in SA.

Our host Mudiwa Gavaza is joined by Wandile Robin Moganedi, founder Small Living Properties, a business specialising in shipping container conversions.

Moganedi also discusses how the disinfecting units work, shipping container trends in SA, the costs involved in converting such structures, the business model for Small Living Properties and plans for growing the business.

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In this edition of the Business Day Spotlight, we look back at this week’s top economics news, focusing on new inflation figures, interest rates and a recent downgrade by international ratings agencies.

Our host Mudiwa Gavaza is joined by Jacques Nel, head of macro-economic research for Africa at NKC African Economics, to chat about the issues.

Nel also talks about the recent consumer inflation figures released earlier this week by Stats SA, ratings downgrades for the country, interest rates, a reflection of how the economy has performed in 2020 and the health of other African economies.

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In this edition of the Business Day Spotlight, we’re talking about the role of large corporate players in helping to spur innovation in the technology startup market.

In the first part of our host Mudiwa Gavaza is joined by Mandisa Ntloko-Petersen, chief marketing officer at technology firm, BCX; Vincent Viviers, co-founder and CEO of on-demand alcohol delivery service, Bottles; and Andrew Louw from retailer Checkers’ Sixty60 grocery delivery app.

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In this edition of the Business Day Spotlight, we’re looking at the state of brand communication during crisis times in SA.

Our host Mudiwa Gavaza is joined by Preetesh Sewraj, CEO of the Loeries.

Sewraj discusses the history of the Loeries, shifts in brand communication for both businesses and consumers, the role of technology for engaging with stakeholders, advertising campaigns that piqued his interest over the last year, whether companies can still afford to not invest in strategic communications services and his outlook for the industry in the coming year.

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In this edition of the Business Day Spotlight, we’re looking Black Friday, its value, place in the market and how seriously people should take it.

Our host Mudiwa Gavaza is joined by Avinesh Reddy, chief technology officer at Rentoza, a subscription based e-commerce platform in SA.

The discussion touches on Rentoza’s business model, the concept of Black Friday, how the concept has been implemented in SA compared to other parts of the world, the dangers of participating, ways in which consumers and businesses can be better informed or protected, the state of e-commerce in SA and what it will take to increase adoption locally.

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In this edition of the Business Day Spotlight, we’re looking at how South Africans can invest in property internationally through the use of technology.

Our host Mudiwa Gavaza is joined by Scott Picken, founder and CEO of Wealth Migrate, a digital real estate marketplace.

The discussion touches on global property trends,;background and history of Wealth Migrate; funds versus stockvels versus Wealth Migrate’s model; trends during the lockdown; size and scope of the industry at the moment; and an outlook for the sector

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In this edition of the Business Day Spotlight, we’re looking at how technology is being used to give consumers access to the best deals for financial products.

Our host Mudiwa Gavaza is joined by Michael Bowren, CEO of Fincheck, an online financial and loan comparison website for SA.

The discussion focuses on Fincheck’s business model, a recent partnership with Dashpay to compare products using point of sale machines, the effects of Covid-19 on the industry, consumer technology adoption, whether there’s enough room have more players in the market and an outlook for lending in SA.

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In this edition of the Business Day Spotlight, we’re looking at the week’s top economics news.

Our host Mudiwa Gavaza is joined by Ndumiso Hadebe, chief economist at Pax Africana, to discuss the issues.

The discussion focuses on employment and manufacturing data released this week by Stats SA, President Ramaphosa’s speech earlier this week, rising infections in developed countries and the impact the US Election on SA.

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In this edition of the Business Day Spotlight, we’re looking at how businesses can reduce the cost of developing mobile apps at a time when digitalisation is on the rise.

Our host Mudiwa Gavaza is joined by Nick Durrant, founder and CEO of Bluegrass Digital, a local web, mobile and software outfit.

The discussion touches on the benefit of digital skills in the digital economy, how the business model for developers has changed over time, whether companies should build their own mobile apps or outsource to firms like Bluegrass Digital, how to reduce development costs and an outlook for online business going forward.

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In this edition of the Business Day Spotlight, we’re looking at the development of Islamic Banking in SA.

Our host Mudiwa Gavaza is joined by Amman Muhammad, CEO of FNB Islamic Banking, to discuss the issues.

The discussion touches on the history of Islamic banking, trends during the lockdown, size and scope of the industry at the moment, collaborating with other parts of the Firstrand Group, awards given to FNB Islamic Banking, and Muhammad time in the industry.

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In this edition of the Business Day Spotlight, we’re looking back the week’s top economics news.

Our host Mudiwa Gavaza is joined by Peter Bauer, a professor at the University of Johannesburg’s School of Economics, to discuss the issues.

The discussion focuses on the possible of US election on SA, manufacturing data through the Absa PMI released earlier this week, thoughts around ratings agency,Moody’s take on finance minister Tito Mboweni’s recent mid-term budget speech and what could this mean for future ratings decisions.

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In this edition of the Business Day Spotlight, we’re focusing on how companies are trying to make fingerprint access more safe at a time when it has been discouraged due to the Covi-19 pandemic.

Our host Mudiwa Gavaza is joined by Marius Coetzee, CEO of Ideco Biometrics.

The discussion explores how biometrics technology works, Ideco business model, the impact of Covid-19 on operations and other biometric technologies.

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In this edition of the Business Day Spotlight, we’re looking back at the mid term budget speech given by finance Minister Tito Mboweni earlier in the week.

Our host Mudiwa Gavaza is joined by Nicky Weimar, chief economist at Nedbank, as well as Annabel Bishop, chief economist at Investec, to discuss the issues.

The discussion also touches on highlights from the speech, bond markets, implementation risk, effects of the global economy, the drag of hospitality and tourism on the economy when not in operation and how the budget speech has influenced forecasts for GDP.

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In this edition of the Business Day Spotlight, we’re looking at how supply chain financing and working capital are affecting businesses in an economy ravaged by Covid-19.

Our host Mudiwa Gavaza is joined by Tokelp Matlalou from Addendum Financial Technologies, a supply chain financing specialist company.

Matlalou talks to us about the business model, relationship with suppliers and buyers, their financing programs, their use of technology and an outlook for working capital issues, given the state of the economy.

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In this edition of the Business Day Spotlight, we’re looking at how consumer behaviour and indebtedness are being helped by startups using the “buy now pay later” model.

Our host Mudiwa Gavaza is joined by PayJustNow’s CEO Craig Newborn and Mark McChlery, chief data and analytics officer.

The team discusses PayJustNow’s business model, ways in which data is being used to improve the system, other firms doing similar business, PayJustNow’s entry into physical shops, the future of consumer retail and an outlook for the economy.

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In this edition of the Business Day Spotlight, we talk about the state of local taxes as the government grapples with funding its activities in a contracting economy.

Our host Mudiwa Gavaza is joined by Keith Engel, CEO of the South African Institute of Tax Professionals (SAIT).

Engel focuses on tax season, the state of public finances, possible lost taxes due to Covid-19, the practicality of increases taxes and advice for consumers and business during this time.