[ON AIR] AltronFintech Household Resilience Index @Nosipho_Radebe is speaking to Dr Roelof Botha, Economist. #POWERBusiness

Promoted | Why a payments company tracks South Africa’s financial pulse techcentral.co.za/why-a-paym… @AltronFinTech

Debt and Fiscal Discipline: Why a balanced budget matters. In my previous videos I explained why we had seen an uptick in household finances. A key indicator in the Altron FinTech Household Resilience Index was the improvement in the household income-to-debt ratio. Although household income increased by only 0.7% from the previous year, the debt ratio improved by 1.5%, partly due to reduced interest rates. Download the full, free @altronfintech Household Resilience Index here: eu1.hubs.ly/H0s-lTj0 #AHFRI #partnered

Strong stock markets have a positive impact on household finances by boosting wealth. The @AltronFinTech Household Resilience Index for the 3rd quarter of 2025 showed a significant improvement. In my previous videos, I explained the impact that lower interest rates and two pot withdrawals had on household finances, but another key indicator of household resilience is the value of unit trust assets. Since the release of the Index, we have seen major global events unfolding with the attack on Iran and soaring oil prices. While this has affected our stock market, it is still in positive territory year-to-date. The real blow will be to our economy, as higher oil prices will hurt us at the pump and increase inflation. Download the full free AFHRI Q3 2025 report here: eu1.hubs.ly/H0s-lJJ0 #AFHRI #Partnered

Over the last year, interest rate cuts have had a positive impact on household resilience, but not enough to make a significant difference, as households are still struggling with low economic growth and high real interest rates. The latest @AltronFinTech Household Resilience Index found that although households' financial resilience had increased by 2.1% compared to a year ago, this increase has been driven largely by withdrawals from retirement funds since the introduction of the Two Pot retirement system. Download the full free AFHRI Q3 2025 report here: eu1.hubs.ly/H0s-k_Z0 #AFHRI #Partnered

In a previous video we explained the unemployment crisis and how the economy is not growing fast enough to absorb young people who need to work. While the outlook for employment is not positive, you can do something about it: Start buying local. Let me know what you think and download the free @AltronFinTech AFHRI Q1 2025 report here: eu1.hubs.ly/H0nRkxG0 #AFHRI #SimplifyingFinTechComplexity

If you are lucky enough to have a job, the good news is that your salary has probably been increasing. The @AltronFinTech Household Resilience Index shows real salary increases have risen sharply since the beginning of 2024. Unfortunately, we are not seeing a decrease in unemployment figures, this is very worrying, and further widening the levels of inequality in South Africa. Follow this link to download the free AFHRI Q1 2025 report: eu1.hubs.ly/H0nRkxG0 #AFHRI #SimplifyingFinTechComplexity #Partnered

[IN CONVERSATION] South Africa is set to become a hub for Artificial Intelligence innovation as @AltronFinTech partners with global tech leader @nvidia to launch the country’s first AI Factory, providing local businesses with homegrown AI infrastructure. Speaking to CNBC Africa, Altron’s Chief Technical Officer Andy Mabaso explained that the facility, powered by Nvidia’s GPUs and hosted locally by Terraco, enables African developers to build and train AI models without relying on overseas data centres, bridging gaps in infrastructure and funding.  Mabaso emphasised that the initiative aims to empower young tech talent to create solutions tailored to African realities, signalling a new chapter in locally-driven innovation.  CNBC Africa’s @Retha_Jae reports.  #CNBCAfrica #AIinAfrica #TechInnovation #AltronNvidia

Networking, good coffee and valuable insights @PIPC2025 #Payments #PASA @AltronFinTech #SimplifyingFintechComplexity

I have been reviewing the latest @AltronFinTech Household Resilience Index which again raises the debate of whether our interest rates are too high. If you are a saver, high interest rates are great, they reward people with money in bank accounts. But it does not reward investors. Let me know what you think. Click on the link to download the free report: eu1.hubs.ly/H0nRkxG0 #AFHRI #SimplifyingFinTechComplexity #partnered

📣 Business Culture and SASTA to host the 1st Annual Spaza‑Shop & Informal Sector Trade Fair Indaba! 🗓 19 September 2025 • Orlando East Communal Hall, Soweto ⏰ 8 a.m. –5 p.m. This groundbreaking event will empower small business owners, showcase homegrown spaza and informal-trade innovation, and create opportunities for networking, training, and growth. Why attend? ✨Hands-on workshops on informal‑sector best practices ✨Access to micro-financing & banking solutions from Altron FinTech ✨Live product demos & market stalls featuring local entrepreneurs ✨Networking with industry experts, regulators & support bodies A huge thank you to our partners: • Business Culture – igniting entrepreneurial excellence • South African Spaza and Tuckshop Association – championing South African small traders • Consumer Goods & Services Ombud (CGSO) – Providing fair, independent, and effective resolution of consumer complaints in the consumer goods and services industry • National Consumer Commission (NCC) – Advancing consumer rights by promoting fair business practices, driving compliance, and delivering meaningful redress • Altron FinTech– enabling financial inclusion through technology 🎟 Free entry with RSVP – let us know you’re coming! ➡️Click Get Tickets or RSVP below 👇 spazashoptradefair.co.za/reg… 🔔 Countdown begins! Just 8 weeks to go before launching Soweto’s most exciting informal sector event of the year. Let’s come together to celebrate, support and grow our amazing local entrepreneurs! Comment “I’m in” if you’ll be there – and share to spread the word! @TradefairIndaba @cgsombud @AltronFinTech @NEFCORP @IDCSouthAfrica @sedfa_dsbd @TheNCC_RSA

In a previous video we looked at how inflation has been coming down, and the positive impact that will have on household finances. But low inflation is not going to solve our economic problems. We need economic growth and jobs – lots more jobs. Unfortunately, many of the economic indicators are not looking positive. For more information, you can download the @AltronFinTech Household Resilience Index for free by clicking on the link below. eu1.hubs.ly/H0kZnkj0 #AFHRI #SimplifyingFinTechComplexity #Partnered

Two Pot withdrawals have given us a short-term boost, but will it come at a longer-term cost? What I am interested to see is the impact this will have on debt to disposable income in the next published Household Resilience Index. If people have used the Two Pot to reduce debt and along with further interest rate cuts, it could swing in the favour of the consumer. But longer-term this is going to impact how much money people have at retirement. The @AltronFinTech Household Resilience Index measures the current financial resilience of households and as you can see from the graph in this video, there has been a significant spike in household financial resilience in the fourth quarter of 2024 - which coincides with the implementation of the Two Pot retirement system. Download the latest report here: eu1.hubs.ly/H0kZnkj0 #AFHRI #SimplifyingFinTechComplexity #Partnered

While it may not seem like it, inflation is declining. This doesn't mean that the price of your groceries or clothing will reduce, but it does mean that the prices are not going to increase quite as fast. So why is inflation falling? Download the latest @AltronFinTech Household Resilience Index here to learn more: eu1.hubs.ly/H0kZnkj0 #AFHRI #SimplifyingFinTechComplexity #Partnered

We are thrilled to announce that @AltronFinTech will be joining us on the expo floor as an official Silver Sponsor, on the 8-9 September 2025 at Sandton Convention Centre, Johannesburg 📢 💼 Want to exhibit alongside them? Get your tailored package→ ow.ly/JE1s50W7vXY

What is happening to our property market? In a previous video I discussed the impact of high interest rates on the economy, but the high interest rates have also had a very negative impact on household finances and property prices. As you can see from the @AltronFinTech Household Resilience Index, household debt costs as a percentage of income have risen dramatically, which is why we all feel so much poorer. And this is impacting on new bond applications and house prices. Find the full 2024 Q3 Altron FinTech Household Resilience Index here: eu1.hubs.ly/H0hrSbP0 #AFHRI #simplifyingfintechcomplexity #propertymarket #partnered

Are our interest rates too high? Despite lower growth forecasts and contained inflation, the Reserve Bank decided not to reduce interest rates any further at this stage which is only adding to household pressures. This is because our real interest rate has actually increased and I explain it in more detail in this video. Find the @AltronFinTech Household Resilience Index here: eu1.hubs.ly/H0hrSbP0 #AFHRI #SimplifyingFinTechComplexity #Partnered

What does the Altron FinTech HRI measure and what is it telling us? I have spoken before about some of the interesting insights from the @AltronFinTech Household Resilience Index. I have had some questions about what this index is, and what does it tell us about the health of our household finances. Read more in the full report here: eu1.hubs.ly/H0hrSbP0 #AFHRI #SimplifyingFinTechComplexity #Partnered