National Debt Awareness Month | Q4 2025 Debt Index : Confidence up, but costs outpace income growth

With over 119,000 groups and 358,000 members on FNB’s digital platform, stokvels remain one of SA’s strongest savings engines. Gugu Zikhali, Head of Stokvels at FNB, explains the behavioural power of collective saving and why stokvels outperform individual discipline.

With inflation rising, borrowing costs increasing and real salaries under pressure, Sisandile Nkatu, Head of Deposits at Nedbank, shares practical, adaptive ways for consumers to stretch their rand. From micro‑habits to smarter spending, emergency buffers and behaviour‑based savings strategies, this conversation helps South Africans navigate a tough financial landscape with…

Retirement Insights: Samukelo Zwane unpacked the findings of the FNB Retirement Insights Survey 2026, highlighting the challenges South Africans face in turning retirement planning into long-term financial security.

TransUnion SA’s Ayesha Hatea unpacks the Q1 2026 Industry Insights Report, revealing diverging credit trends across bank and non‑bank personal loans, rising credit card repayment pressure, resilient vehicle finance demand, and growing reliance on short‑term liquidity tools. Ayesha explains what these shifts mean for consumers, lenders and the broader credit…

South Africa’s savings landscape is under strain, with household savings below 1% and rising debt‑to‑income ratios. Nedbank’s Sisandile Nkatu breaks down the behavioural barriers holding South Africans back — from balance‑checking anxiety to frequent withdrawals — and explains why consistency matters more than income. A data‑driven look at how different…