Startups as we know them today are the great disruptors of society, rooted in innovation and intent on solving deficiencies in existing systems, or creating entirely new ones. Their goal is to change the world for the better, and they want to do it at scale. Finding yourself in a startup environment can be a challenging, but enlightening experience, as it doesn’t run like a fully fledged corporation, but is expected to. Due to their disruptive nature, processes can be messy a

Emerging markets in Africa are fertile ground for financial innovation, offering opportunities to address the decades-long challenge of financial inclusion. With these opportunities come challenges. A business breaking into a home market is difficult enough, but a foreign market means unfamiliarity with the local economy, politics, culture, social habits and consumer preferences. The solution to this is collaboration with domestic partners, who can help provide businesses wit

Rapid transformation in the digital payments sector - the growth of e-commerce and digital payments in South Africa.

Platform business models are key to thriving in emerging markets as they create operational efficiencies, foster innovation, and encourage go-to-market excellence. According to Clayton Hayward, CEO of Ukheshe Technologies, a leading fintech enablement partner, the platform economy opens up a whole new world of opportunities for solution-driven businesses. Having evolved over the years, today’s platform economy has led to a new breed of digitally driven, disruptive business mo

Are entrepreneurs risk takers at heart or calculated visionaries? According to serial entrepreneur and Ukheshe Technologies CEO, Clayton Hayward, many entrepreneurs don’t truly understand the nature of risk, which has a direct impact on the success of their business idea. He says that to be a successful entrepreneur you need to be willing to take risks with a greater vision in mind – and become comfortable with the possibility of failure. Hayward, who has started more than 2