
Fintech is booming – but regulation, risk, and trust will decide who wins
Rapid growth in South Africa’s fintech sector is giving way to a tougher phase shaped by regulation, competition, and the race for customer trust.

Rapid growth in South Africa’s fintech sector is giving way to a tougher phase shaped by regulation, competition, and the race for customer trust.

Final PCC 23A sharpens the definition of credit providers, confirming broad inclusion while drawing clearer lines around incidental credit and non-traditional lending.

As South Africa’s decentralised finance market gains traction, the FSCA is exploring ways to balance innovation with consumer protection.