FOCUS AREAS
1. Workforce Capability Development
q Limited availability of specialised payments skills on the continent
q High industry entry barriers for young professionals
q Misalignment between employer needs and workforce capabilities
q Rapid evolution of digital finance technologies
q Competency-based curricula aligned to real industry roles
q Hybrid learning models combining workshops, online modules, and assessments
q Partnerships with employers and regulators to tailor capability needs
q Talent pipeline development initiatives for youth and graduates
q Payments Foundations (Acquiring, Issuing, E-commerce, Risk)
q Mastering Payments Support
q Digital Banking & Fintech Career Pathway
q Regulatory & Compliance Capability Tracks
q Bank & Fintech Workforce Capability Audits
q Stronger industry capability and operational excellence
q Increased employability for youth and career shifters
q Reduced skills gaps and improved service quality
q A more resilient and future-ready financial ecosystem
2. Merchant & MSME Digitisation
q Low digital adoption among SMEs and informal traders
q Confusion around device usage, settlement, fees, and reconciliation
q Vulnerability to fraud due to limited financial literacy
q Limited integration of digital tools into everyday business operations
q Plain-language, demonstration-based training
q Hands-on device and QR code usage sessions
q Business-focused learning (costs, settlement cycles, cash flow impact)
q Partnerships with acquirers, mobile money providers, and fintechs
q MSME Digital Payments Bootcamp
q Township & Rural Merchant Enablement Programme
q Acceptance Device & QR Code Training
q “Digitise Your Business” Accelerator Workshops
q Improved acceptance and usage of digital payments
q Stronger, more competitive small businesses
q Increased trust between merchants and service providers
q SME growth contributing to job creation and community upliftment
3. Community Digital Payments Literacy
q General confusion about digital money, fees, and payment methods
q Misinformation and mistrust of digital financial systems
q Limited access to unbiased, easy-to-understand financial education
q Language barriers and low digital confidence in many communities
q Community workshops, radio segments, online micro-learning
q Culturally relevant examples tailored to local realities
q Translation into multiple South African and African languages
q Collaboration with community leaders and local organisations
q “Digital Money Made Simple” Community Series
q Multilingual Consumer Education Packs
q PayShap & QR Literacy Workshops
q Senior Citizen Digital Support Sessions
q Improved everyday confidence using digital payments
q Reduced exclusion, errors, and misunderstandings
q Safer digital behaviour across communities
q Strengthened trust in digital financial systems
4. Financial Inclusion Programmes Overview
q Distance to banking services and low availability of financial products
q High cost-to-serve for low-income rural consumers
q Low financial literacy and limited digital skills
q Structural barriers affecting women, the elderly, and informal workers
q Partnerships with development organisations and local authorities
q Human-centred curriculum design tailored to local realities
q Training that integrates digital payments, budgeting, safety, and rights
q Support for agent networks, cooperatives, SMMEs, and savings groups
q Rural Digital Financial Inclusion Initiative
q Village Payments Agent Support Programme
q Vulnerable Household Digital Skills Outreach
q Accessible Finance Workshops for Women & the Elderly
q Expanded access to safe, affordable financial services
q Strengthened local economies and micro-enterprise activity
q Increased resilience among vulnerable groups
q Reduced inequality in digital financial participation
5. Youth & Women Empowerment
q Underrepresentation of youth and women in technical financial fields
q Limited exposure to digital tools and industry careers
q Entrepreneurial barriers such as pricing, compliance, and payments setup
q Social and economic constraints limiting participation
q Targeted capability-building initiatives
q Mentorship and career-navigation support
q Entrepreneurship-focused digital payments training
q Partnerships with schools, universities, and women-led organisations
q Youth Payments Career Accelerator
q Women in Digital Commerce Entrepreneurship Training
q Schools & University Outreach Series
q Women MSME Digital Enablement Programme
q More inclusive participation in digital finance
q Increased career mobility and entrepreneurship success
q Breaking gender and age barriers in fintech and payments
q Stronger leadership representation in the digital economy
6. Ecosystem-Level Enablement
q Fragmented understanding across industry stakeholders
q Inconsistent capability standards between banks, fintechs, and regulators
q Limited cross-industry dialogue and shared learning
q Need for structured frameworks to support innovation safely
q Capability maps and maturity models
q Workshops for regulators, banks, and fintechs
q Cross-organisational learning exchanges
q Ecosystem roundtables for policy and operational alignment
q Payments Ecosystem Capability Alignment Programme
q Regulatory & Industry Roundtables
q Bank–Fintech Knowledge Exchange Series
q National Payments Maturity Assessments
q A more harmonised and collaborative ecosystem
q Better support for innovation and regulatory clarity
q Strengthened capacity across institutions
q Improved digital payment systems that serve all citizens
7. Digital Safety, Fraud Awareness & Consumer Protection
q Rising cyber threats, social engineering, and payment scams
q Limited understanding of consumer rights and dispute processes
q Lack of practical fraud awareness training at community level
q Vulnerability of first-time digital users
q Scenario-based fraud and scam prevention training
q Education on rights, responsibilities, and redress mechanisms
q Partnerships with banks, telecoms, and regulators
q Easy-to-understand content delivered across multiple channels
q Digital Fraud Prevention Community Series
q “Stay Safe Online” Consumer Toolkit
q Merchant Fraud & Chargeback Awareness Training
q Youth & Elderly Safety Awareness Roadshows
q More informed and vigilant digital citizens
q Reduced incidence of fraud and financial loss
q Strengthened consumer trust in digital systems
q Improved protection mechanisms for vulnerable groups
8. Capacity Building for Non-Profits & Community Organisations
q Non-profits often lack digital finance expertise
q High dependency on cash increases risk and inefficiency
q Limited capacity to manage donor funds digitally or securely
q Scarce training tailored to community-based organisations
q Tailored workshops for NGO and community leaders
q Training on digital collections, mobile payments, and donor reporting
q Capacity-building on safe payment acceptance at community events
q Toolkits enabling NGOs to educate their own beneficiaries
q NGO Digital Payments Capability Programme
q Community Organisation Leadership Workshops
q Digital Collections & Donor Reporting Training
q “Train-the-Trainer” Community Facilitator Academy
q More digitally capable non-profit organisations
q Greater transparency, security, and efficiency in programme delivery
q Stronger community networks able to continue education independently
q Sustainable development impact and improved beneficiary outcomes