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		<title>South Africa’s connectivity future depends on people, not just percentages.</title>
		<link>https://tribebusinessmagazine.co.za/2026/03/31/south-africas-connectivity-future-depends-on-people-not-just-percentages-focusing-on-human-metrics-will-close-the-digital-divide/</link>
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		<pubDate>Tue, 31 Mar 2026 11:22:32 +0000</pubDate>
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					<description><![CDATA[Here’s the truth about how connectivity is seen broadly. Walk into any boardroom and you will hear comforting numbers. 99.9% uptime and megabits per second north of 100. C-suites might talk about ironclad SLAs. ]]></description>
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					<h5 class="entry-title">South Africa’s connectivity future depends on people, not just percentages.</h5>
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				<div class="et_pb_text_inner"><p><strong>Focusing on human metrics will close the digital divide.</strong></p>
<p><i>By Claudio Coelho, Founder and CEO at Backspace Technologies</i></p>
<p class="p1">Here’s the truth about how connectivity is seen broadly. Walk into any boardroom and you will hear comforting numbers. 99.9% uptime and megabits per second north of 100. C-suites might talk about ironclad SLAs.</p>
<p class="p1">On paper this all looks flawless. But consider this: in the real world those numbers mean nothing to a child in an informal settlement who has no access to a fibre line or to a factory worker whose family is stuck on expensive cellular data that runs out before the month does.</p>
<p class="p1">If we are honest, the South African connectivity industry has spent years fighting for the same slice of the affluent pie while the majority of the country, people who genuinely need the opportunities that being connected enables, remain priced out, or to put it more bluntly, locked out. We would do well to reframe our focus, to cast our gaze if only for a moment, away from those who have connectivity towards those who have very little or no affordable connectivity at all. It&#8217;s about appreciating the gap between KPIs and lived reality.</p>
<p class="p1"><b>Are we happy with the status quo?</b></p>
<p class="p1">An obsession with technical metrics is mirrored inside many companies too. Skills shortages – especially in the IT industry – have turned hiring into a desperate scramble. Companies poach skilled technicians from one another at premium rates, only to watch in horror when culture dissipates as new technicians cannot work in teams, cannot adapt to challenging conditions in the lower end of the market, or – plainly put – arrive with the wrong attitude.</p>
<p class="p1">The status quo presents the same problem at both ends of the value chain. We have a sector that measures the wrong things. For customers, it is measuring uptime percentages as cold data points that ignore whether children can actually access online learning. For talent within businesses, we gravitate towards CVs that show an impressive track record but show nothing about whether someone shows up with grit when theft, load shedding or economic shocks hit.</p>
<p class="p1">Breaking out of this status quo isn&#8217;t idealistic. On the contrary, this is precisely how Backspace navigated from humble beginnings. We have imperfect conditions in South Africa, everyone knows this. The pandemic magnified this. The lesson is that technical excellence without human resilience is self-defeating.</p>
<p class="p1"><b>A human-centred alternative</b></p>
<p class="p1">A handy, and proven way towards growth and success is to focus on human metrics. Redefine success around “human uptime”, not just whether the network is up, but whether it is changing lives. What does this mean? It means that connectivity is reaching informal settlements and other poorer, working communities at prices they can actually afford.</p>
<p class="p1">This purpose-led culture is achieved by hiring for attitude first, and then deeply investing in the people who have it. You simply cannot execute on purpose if you hire technically brilliant but toxic team members. This same philosophy scales outward: give communities the tools and incentives to connect themselves. They will.</p>
<p class="p1"><b>Turning a human-centric approach into opportunity</b></p>
<p class="p1">Once you have the right approach to human metrics, both internally and externally, it is far easier to chase opportunity in the face of immense challenges. Take Backspace’s reverse billing model for example, which turns data into something akin to being “toll-free”. Any app, website or payment device can be accessed at no cost to the end user; the supplier of the content or service is back-billed. APN technology locks the device so the SIM cannot be removed or misused, while still allowing the machine to reach its required applications for free. Human metrics: Are people being connected and enabled?</p>
<p class="p1">Internally, the same human-centric logic applies. You want creativity and an opportunity mindset to drive innovation. To foster this, it is useful bringing in external coaches with new and different energy, investing in internal training programmes and adopting an open-door policy so that staff members feel their voice can be heard. This kind of culture leads to an environment with high tenure, and one where innovation flows.</p>
<p class="p1">Again, this is not idealistic, it’s been learnt through practice. During the pandemic when everyone was panicking, we went from humble voice-only beginnings to R18-million monthly revenue generated from shipping SIM phones to the informal sector. Without any doubt, focusing on human metrics enables businesses to turn imperfect conditions into opportunity.</p>
<p class="p1">The lesson is simple. South Africa’s connectivity future depends on people, not just percentages. Businesses would do well to look at their own metrics. If the definition of uptime stops at network availability, you’re missing out on so much more.</p>
<p class="p1">If we’re honest. We don’t need more 99.9% uptime headlines. We need human uptime. The country craves connectivity that actually reaches the people who need it most, delivered by teams who believe making a real difference matters more than any single skill. Organisations that make this shift will be the ones who finally close the digital divide, not just talk about it.</p></div>
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		<title>The water is changing. Reimagining Governance for an Infinite Game</title>
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		<pubDate>Tue, 31 Mar 2026 10:42:42 +0000</pubDate>
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					<description><![CDATA[There are two young fish swimming along when they meet an older fish swimming the other way. The older fish nods and asks, “Good morning. How’s the water?” The young fish swim on for a while until one turns to the other and asks, “What the hell is water?”
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				<div class="et_pb_text_inner"><p class="p1"><em>By Professor Owen Skae, Director: Rhodes Business School </em></p>
<p class="p1">There are two young fish swimming along when they meet an older fish swimming the other way. The older fish nods and asks, “Good morning. How’s the water?” The young fish swim on for a while until one turns to the other and asks, “What the hell is water?”</p>
<p class="p1">The novelist David Foster Wallace used this parable to illustrate a simple but profound truth: the most important and pervasive realities are often the hardest to see because they form the background conditions of our lives.</p>
<p class="p1">For modern civilisation, energy and the cooperation required to harness it have long been that invisible “water”. Since the Industrial Revolution, societies have operated within a rare period of expanding energy abundance that has enabled extraordinary economic growth, technological progress, and improvements in human well-being. Yet many of the crises that define our age suggest that the conditions sustaining that progress are shifting.</p>
<p class="p1">From geopolitical instability in the Middle East and the systemic risks associated with climate change, to the disruptive acceleration of artificial intelligence and the rapid spread of misinformation through social media, our world increasingly feels as though it is under strain.</p>
<p class="p1">These challenges are often treated as separate problems, but they may be symptoms of a deeper issue: the difficulty of sustaining large-scale cooperation in an increasingly complex and resource-constrained world.</p>
<p class="p1">At its core, the challenge is institutional. As the biologist Edward O. Wilson famously observed, “We have created a Star Wars civilization with Stone Age emotions, medieval institutions, and godlike technology.”</p>
<p class="p1">Our technological capabilities have advanced dramatically, but many of the institutions that govern our societies remain rooted in structures designed for a different era.</p>
<p class="p1">Research in cultural evolution offers insight into why this mismatch matters. The economist and evolutionary theorist Michael Muthukrishna argues that human prosperity is built on our unique ability to cooperate at scale through shared norms, institutions, and culture. However, institutional reforms that fail to consider these dynamics can unintentionally undermine cooperation. In societies where corruption is widespread, for example, transparency initiatives can sometimes backfire by revealing that norm violations are common, thereby reinforcing the perception that “everyone else is doing it.”</p>
<p class="p1">Such dynamics illustrate a broader pattern: poorly designed interventions can worsen the very problems they seek to solve.</p>
<p class="p1">Ecologists offer a vivid analogy. In 1935, cane toads were introduced into Australia to control agricultural pests. Instead, the invasive species spread rapidly and destabilised local ecosystems. Many policy responses risk creating similar unintended consequences when they treat complex systems with simplistic solutions.</p>
<p class="p1">If governance systems are to remain effective in an era of heightened complexity, they must evolve to sustain cooperation across wider networks of stakeholders.</p>
<p class="p1">One useful framework comes from the legal scholars Margaret Blair and Lynn Stout, who developed <b>Team Production Theory</b> in the field of corporate governance. Their work challenges the idea that a corporation is merely a “nexus of contracts” serving shareholders. Instead, they argue that firms are best understood as collaborative enterprises in which employees, managers, investors, and other contributors make firm-specific investments that collectively create value.</p>
<p class="p1">Within this framework, the board of directors functions as a mediating hierarchy. Its responsibility is not to privilege one stakeholder group over another, but to balance competing claims in ways that sustain the long-term viability of the organisation as a whole.</p>
<p class="p1">Extending this logic beyond the firm offers a useful lens for thinking about governance more broadly.</p>
<p class="p1">In an increasingly interconnected world, governments must increasingly operate as mediating hierarchies for society itself by balancing the interests of present citizens, future generations, and the ecological systems upon which all economic activity ultimately depends.</p>
<p class="p1">Seen this way, good governance is fundamentally about sustaining cooperation at scale. As Muthukrishna notes, corruption is not simply the absence of cooperation; it is cooperation that operates at too small a <span class="s1">scale, within families, factions, or patronage networks without any sense of consequence for society as a whole.</span></p>
<p class="p1">Addressing this challenge requires more than institutional reform; it requires a shift in mindset. The leadership thinker Simon Sinek draws on the philosopher James P. Carse to distinguish between finite and infinite games. Finite games have fixed rules, clear competitors, and definitive winners. Infinite games, by contrast, have evolving rules and no final victory. Their purpose is simply to keep the game in play.</p>
<p class="p1">Many of today’s defining challenges, climate change, technological disruption, and geopolitical stability, are infinite games. They cannot be “won” in any final sense. They can only be managed through sustained cooperation, adaptation, and institutional learning.</p>
<p class="p1">Problems arise when leaders approach these challenges with a finite mindset. When institutions focus narrowly on short-term victories such as quarterly earnings, electoral cycles, or geopolitical advantage, they risk undermining the trust, cooperation, and innovation required to sustain long-term progress.</p>
<p class="p1">This insight has important implications for leadership education.</p>
<p class="p1">At Rhodes Business School, we emphasise the need for leaders who can think systemically about value creation in complex environments. Our 4E framework, Economy, Equity, Ethics, and Ecology recognises that economic systems cannot be separated from the social and environmental contexts in which they operate.</p>
<p class="p1">Energy systems illustrate this interdependence clearly. Energy researcher Charles Hall has shown that economic growth is closely linked to the availability of surplus energy. Expanding the technological frontier through advances in energy generation and efficiency remains essential to sustaining prosperity. But technological solutions alone are insufficient. Without institutions capable of coordinating large-scale cooperation, even abundant resources can be mismanaged or squandered.</p>
<p class="p1">Ethics and equity, therefore, remain central to governance. In periods of perceived scarcity, societies tend to retreat into smaller circles of trust, families, tribes, or political factions. Effective institutions must counteract this tendency by fostering inclusive systems that expand opportunities rather than concentrating them within narrow elites.</p>
<p class="p1">The King V Code of Corporate Governance recognises this reality through its emphasis on integrated thinking, which is the idea that organisations must understand the deep interdependencies between financial performance, social legitimacy, and environmental sustainability.</p>
<p class="p1">Ultimately, the challenge facing modern governance is not simply technical but civilisational.</p>
<p class="p1">Humanity possesses a periodic table of the elements, but, as Muthukrishna argues, we still lack a comparable framework for understanding how cultures, institutions, and incentives combine to sustain cooperation at scale.</p>
<p class="p1">The stakes are significant. Societies can respond to rising complexity by retreating into polarisation and short-term competition, allowing crises to compound and institutions to fragment. Or they can invest in governance systems capable of mediating competing interests while sustaining long-term collaboration.</p>
<p class="p1"><span class="s1">The water around us is changing. The question is whether we recognise in time that it is water and that it is changing. Rather than waiting </span>until the water freezes or disappears entirely, we must learn to see the systems that sustain our collective future and design institutions capable of keeping the game in play for generations to come.</p></div>
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		<title>South Africa Becomes Global BPO Contender</title>
		<link>https://tribebusinessmagazine.co.za/2025/05/05/nutun-south-africa-becomes-global-bpo-contender/</link>
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		<dc:creator><![CDATA[]]></dc:creator>
		<pubDate>Mon, 05 May 2025 13:22:36 +0000</pubDate>
				<category><![CDATA[Business]]></category>
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					<h3 class="entry-title">South Africa Becomes Global BPO Contender</h3>
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<p>It’s well known that South Africans are competitive and are renowned for a high work ethic. Despite the well-known challenges that our country has, we enjoy a robust independent media and a sound financial system, and now our intensity to compete has South Africa spotlighted in the Business Process Outsourcing business, a stage often dominated by India and the Philippines. Offering a skilled workforce, cultural alignment with major markets, and significant cost advantages, the country is building out its BPO industry at scale.</p>
<p>Of course, perceptions persist about political risk, infrastructure stability, and the broader view of outsourcing to Africa remain obstacles to widespread adoption. However, the industry has proven resilient, with growth rates exceeding 20% annually over the past few years. Driving this transformation is a new generation of organisations blending innovation with people-first strategies to position South Africa as a global leader in outsourcing.</p>
<p><strong>The Global Demand for Outsourcing</strong></p>
<p>Global organisations face mounting pressures to reduce costs, address talent shortages, and build operational resilience. This has driven many to consider outsourcing as a strategic solution. While traditional markets like the Philippines and India remain dominant, South Africa is quickly gaining ground due to its unique strengths.</p>
<p>Among these is an abundant pool of skilled and educated labour, an important advantage in industries requiring complex customer interactions. Additionally, South Africans speak English with a neutral accent that resonates well with customers in the UK, US, and Australia.</p>
<p>South Africa’s time zone further boosts its appeal, allowing companies to operate 24/7 without expensive overtime costs. “It’s not just about saving money,” explains Stephen de Blanche, Chief Revenue Officer of one of the country’s leading outsourcing providers, <a href="http://www.nutun.com" target="_blank" rel="noopener">Nutun.</a> “It’s about delivering exceptional customer experiences through a combination of skill, empathy, and alignment with our clients’ needs.”</p>
<p><strong>Overcoming Challenges</strong></p>
<p>Despite its advantages, South Africa’s BPO industry faces significant hurdles. Many companies still see outsourcing to Africa as a risk, concerned about governance and infrastructure reliability. Others compare South Africa to long-established destinations in Asia or Latin America, where economies of scale are more mature.</p>
<p>However, the perception of risk is increasingly being challenged. The country’s modern infrastructure, robust telecommunications networks, and strong compliance frameworks have created a solid foundation for growth. “For organisations willing to take a closer look, South Africa offers world-class solutions delivered with a focus on quality and trust,” the CRO asserts.</p>
<p><strong>A People-First Approach</strong></p>
<p>One of the country’s greatest strengths lies in its workforce. With an unemployment crisis beyond 30%, South Africa has a vast pool of motivated, highly educated individuals ready to support global clients. Unlike other outsourcing destinations where call centre work is often seen as a stopgap job, in South Africa, it is viewed as a genuine career path.</p>
<p>This mindset has led companies to prioritise employee retention. The organisation invests heavily in benefits such as pensions, healthcare, and development programmes to create long-term career opportunities for its employees.</p>
<p>“We are a people business which recognises that people development and retention is critical to success,” he explains. “The longer our employees stay, the more they become immersed in the client’s brand and culture. This leads to better outcomes and deeper connections with the end customer.”</p>
<p><strong>Innovation Driving Success</strong></p>
<p>Beyond its people, the company’s commitment to technology has also been a game-changer. Investments in AI-driven voice analytics, data platforms, and gamification tools empower agents to deliver smarter, more efficient service. “Technology doesn’t replace human interaction—it enhances it,” he adds. “We’re using AI to guide agents through complex calls, analyse customer sentiment in real-time, and optimise outcomes across the customer journey.”</p>
<p>“We’re one of the few BPOs, that can provide the entire customer lifecycle outsourcing capability. Our history and our heritage are built in the collection spaces, and over the past few years, we’ve gradually expanded our capabilities to span the full customer experience lifecycle.”</p>
<p><strong>Operational Resilience and Risk Mitigation</strong></p>
<p>For global clients, risk mitigation is a major driver of outsourcing. Diversifying operations across multiple geographies reduces reliance on any single region, safeguarding against localised disruptions like natural disasters or economic instability.</p>
<p>The organisation has built a robust infrastructure with delivery centres in Durban and Johannesburg, ensuring continuity and scalability for its clients. “Beyond BPO solutions, we offer resilience,” he explains. “Our ability to scale quickly, while maintaining high service standards, gives our clients the flexibility they need to grow.”</p>
<p><strong>South Africa’s Broader Impact</strong></p>
<p>As the industry expands, its impact on South Africa’s economy cannot be overstated. BPO is one of the few sectors creating jobs annually and upskilling consistently, offering young people meaningful opportunities in a challenging labour market.</p>
<p>The organisation takes this responsibility seriously, embedding social impact into its business model. Through initiatives in education and youth employment, the company is not only driving business outcomes but also uplifting communities. “It’s about creating a sustainable future for our clients, our employees, and South Africa.”</p>
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		<title>Fleet Forward: DPD Invests in South Africa</title>
		<link>https://tribebusinessmagazine.co.za/2024/07/11/fleet-forward-dpd-invests-in-south-africa/</link>
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		<pubDate>Thu, 11 Jul 2024 11:38:44 +0000</pubDate>
				<category><![CDATA[Business]]></category>
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		<category><![CDATA[Jason Lombard]]></category>
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		<guid isPermaLink="false">https://tribebusinessmagazine.co.za/?p=2834</guid>

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					<h3 class="entry-title">Fleet Forward: DPD Invests in South Africa</h3>
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<div><i>By Jason Lombard, CEO of DPD</i></div>
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<p>What South Africa needs now at this pivotal point in our history is commitment. If we come together, which we have consistently proven we can over the last 30 years, we can surprise the world. In the last few weeks since the elections, we have even surprised ourselves. From this new springboard of greater unity, we have a fresh opportunity to course correct. Slowly but surely we are seeing investment in green electrons which will eventually bid load shedding goodbye.</p>
<p>South Africa will be changed by leadership, and by investment. In infrastructure, healthcare, education, security, and of course commerce. We are seeing a dramatic shift in digital business, which has given birth to a boost in many sectors, many of whom need trusted partners to grow, which in turn drives employment. At <a href="http://www.dpd.com/za/en" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=http://www.dpd.com/za/en&amp;source=gmail&amp;ust=1720779097820000&amp;usg=AOvVaw2AjWBimh6sA1Yt63y42WQS">DPD</a>, we have been a key part of traveling that all-important last mile to ensure transactions are complete, playing a vital role in the transportation of vaccines during the pandemic, right through to <a href="https://www.dailymaverick.co.za/article/2024-04-24-sas-most-dedicated-courier-braves-mdumbi-river-to-deliver-parcel/" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://www.dailymaverick.co.za/article/2024-04-24-sas-most-dedicated-courier-braves-mdumbi-river-to-deliver-parcel/&amp;source=gmail&amp;ust=1720779097820000&amp;usg=AOvVaw0LGDvNCN0U01x8ucBL9BNG">getting birthday gifts across a river in Mdumbi.</a></p>
<p>This week, I am excited to announce a significant milestone in our journey – the investment in a new fleet of vehicles. This strategic move underscores our commitment to support South African businesses and the burgeoning ecommerce sector. As we drive forward with boldness and ambition, this investment symbolises our dedication to fostering growth and enhancing our service capabilities. We have to commit to this as a sign of commitment to partners like <a href="https://www.dailymaverick.co.za/article/2024-06-05-a-decade-of-seamless-partnership-in-e-commerce/" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://www.dailymaverick.co.za/article/2024-06-05-a-decade-of-seamless-partnership-in-e-commerce/&amp;source=gmail&amp;ust=1720779097820000&amp;usg=AOvVaw0pnDNVweqEuUP1PEAppEEJ">MyRunway</a>, with whom we have journeyed over ten years, since they first opened their doors.</p>
<h3>A Commitment to Excellence and Innovation</h3>
<p>DPD&#8217;s success is built on our unwavering commitment to excellence and innovation. Our new fleet represents the latest in logistics technology, designed to improve efficiency, reduce delivery times, and enhance the overall customer experience. By leveraging cutting-edge technology and local expertise, we continue to provide flexible and user-friendly products and services, ensuring that doing business with us remains perfectly convenient.</p>
<p>As one of South Africa&#8217;s leading express courier companies, DPD has proudly served the nation for over 30 years. Specialising in time-definite express delivery services for letters and parcels up to 30kgs, we cater to both B2B and B2C (ecommerce) segments within South Africa and international markets. With a robust national footprint of 30 branches, 1300 employees, and over 750 vehicles.</p>
<p>Geopost, our majority shareholder, operates in 49 countries across all continents through a network of expert delivery brands. With 57 000 employees worldwide, Geopost is dedicated to making commerce more convenient, profitable, and sustainable for customers and communities, <a href="https://www.dailymaverick.co.za/article/2024-02-02-dpd-trusted-to-deliver-8-4-million-parcels-per-day-globally/" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://www.dailymaverick.co.za/article/2024-02-02-dpd-trusted-to-deliver-8-4-million-parcels-per-day-globally/&amp;source=gmail&amp;ust=1720779097820000&amp;usg=AOvVaw0Au3nF7BPKFDI46Z3nVsJJ">delivering 8.4 millions parcels per day.</a></p>
<h3>Driving Support</h3>
<h3>Our investment in this new fleet is not merely about expanding our capabilities; it is a testament to our belief in the potential of South African businesses and the vibrant ecommerce sector. Ecommerce, in particular, has been a specialised focus area for DPD. Our solutions, designed by a specialist team with over a decade of international and domestic etailing experience, prioritise the customer’s experience. Just last year we delivered <a href="https://www.dailymaverick.co.za/article/2023-12-22-one-million-parcels-delivered/" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://www.dailymaverick.co.za/article/2023-12-22-one-million-parcels-delivered/&amp;source=gmail&amp;ust=1720779097820000&amp;usg=AOvVaw2XpFJ06RSODx1w-zCsbpy7">our millionth parcel for Cotton On.</a></h3>
<p>As an extension of our customers’ brand, we understand the integral role we play in customer loyalty. Our new fleet will enable us to provide even more reliable and efficient services, meeting the evolving demands of the ecommerce market.</p>
<h3>Tailored Solutions. Diverse Needs</h3>
<p>DPD&#8217;s Business division is dedicated to B2B clients, offering tailored and efficient express courier services. Our comprehensive network and technology-driven approach ensure a secure, controlled delivery process with real-time visibility and enhanced security measures. This investment in our fleet will further streamline B2B logistics, allowing us to better serve businesses with diverse distribution needs.</p>
<p>In the healthcare sector, our specialist team, backed by Geopost’s established healthcare delivery solutions, ensures compliance and performance standards of the highest calibre. Our new vehicles are equipped to meet the stringent requirements of healthcare logistics, reinforcing our position as a trusted partner in this critical field.</p>
<p>For the print media industry, DPD&#8217;s dedicated division handles the collection and delivery of printed media to large retail stores across Southern Africa. Our customised system and passionate team understand the unique demands of this sector. The new fleet will enhance our ability to deliver timely and accurately, maintaining the high standards our customers expect.</p>
<h3>Moving Forward Together</h3>
<p>Every commitment that we make towards better business, more employment nudges the needle for South Africa. The ripple effect of one job changes a household, the delivery of a parcel on time builds trust and belief in our industries, and even the investment of one company into new vehicles shows hope and optimism in an ever-evolving country. Change is possible when we work together, slowly but surely, everyone doing their part.</p>
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		<pubDate>Thu, 23 Mar 2023 12:50:21 +0000</pubDate>
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					<h3 class="entry-title">SA businesses have a duty of care to protect themselves and clients from phishing</h3>
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<p style="font-weight: 400;">Cybersecurity threats are continuously on the increase, with <a href="https://www.tessian.com/blog/phishing-statistics-2020/#:~:text=Billion%20Dollar%20Threat.-,How%20phishing%20attacks%20are%20delivered,and%20just%201%25%20via%20phone." target="_blank" rel="noopener">96% of phishing attacks</a> delivered by email. A successful phishing attack leaves two victims in its wake: the person who falls for the requests or promises of the perpetrator and the company whose domain has been compromised.</p>
<p style="font-weight: 400;">Victim or not, a recent South African court judgement found that a company whose email domain had been compromised was to be held liable for not having a sufficient duty of care in place to warn its clients about potential compromises. While this duty of care is incredibly complex to fulfil, there are other solutions available to businesses who trade in trust to protect themselves and their clients from falling prey to phishing scammers.</p>
<p style="font-weight: 400;">“Phishing, spoofing, cloning, and impersonation are deceptive attacks on businesses and their customers, with the perpetrators being just about impossible to trace, identify and prosecute,” says Naeem Gabru, Group Chief Information Officer at Metrofile.</p>
<p style="font-weight: 400;">“That is why every South African business should take responsibility for implementing solutions that defend their email domains from attackers while identifying vulnerabilities so that they can be remedied. If every business contributed to building this cyber defence force for their email domains, the clients they interact with on email would be protected” he adds.</p>
<p style="font-weight: 400;">IronTree, a Metrofile subsidiary, has partnered with Sendmarc, cybersecurity email protection and compliance experts, to implement its Domain-based Message Authentication, Reporting and Conformance (DMARC) across Metrofile&#8217;s email domains. DMARC protection means that a receiving email server rejects non-DMARC compliant email. This protection makes sure that every email that purports to be from a business’s domain is the real thing, and alerts both the domain that has been compromised and the targeted receiver that something is amiss.</p>
<p style="font-weight: 400;">“With 16 email domains in our realm, it was clear to us that we needed to take pre-emptive steps to protect everyone that could potentially engage with these email domains across the group of companies,” says Gabru.</p>
<p style="font-weight: 400;">“The two-week installation process was seamless and straightforward, with IronTree and our hosting provider working closely to implement this additional control to our email security” he adds. “Domains were then monitored and configured, during which time authorised sending servers were defined. DMARC was then optimised, with full compliance reporting and certification following that process.</p>
<p style="font-weight: 400;">“Having the support of IronTree and Sendmarc via a managed service contract means that our in-house teams can focus on their tasks and that they can leave specialised email security issues to the experts while monitoring trends on the Sendmarc dashboard,” he says.</p>
<p style="font-weight: 400;">“Our domains are fully compliant with constant monitoring for any non-compliant senders, which are immediately investigated and remediated,” Gabru says. “That means that our email domains, customers, suppliers, and employees that interact with us are protected from email impersonation-related cybercrime.</p>
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		<title>Save like crazy and let it grow </title>
		<link>https://tribebusinessmagazine.co.za/2021/11/23/save-like-crazy-and-let-it-grow-2/</link>
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		<pubDate>Tue, 23 Nov 2021 19:07:10 +0000</pubDate>
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		<guid isPermaLink="false">https://tribebusinessmagazine.co.za/?p=1793</guid>

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					<h2 class="entry-title">Save like crazy and let it grow </h2>
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				<div class="et_pb_text_inner"><h2><strong>By Khwezi Jackson</p>
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				<div class="et_pb_text_inner"><p>You may have heard of the Fire (Financially Independent, Retire Early) crowd and the Yolo (You Only Live Once) gang. How about the SLiCLiGs (Save Like Crazy &amp; Let It Grow)? Yes, I know, the name needs work but, believe me, the clunkiness of the acronym is more than made up for by the simplicity and the genius of the underlying formula.10X Investments has just released its fourth annual Retirement Reality Report (RRR21), which shows SA&#8217;s retirement crisis getting worse by the year. We know that times are tougher than before but somehow I had hoped that people were at least becoming better informed.</p>
<p>Unfortunately, though, nearly half the people surveyed (48%, up from 46% last year) think they can save for retirement in less than 30 years. The fact that most people think they can leave it late (i.e. to the final 20 or 30 years of work) is a basic and fundamental problem that robs people of a huge portion of their would-be retirement income.<br />They are acting against one of the key rules of successful investing, which was outlined by Warren Buffet when he said: &#8220;Investing is not about timing the market but time in the market.&#8221;</p>
<p>The RRR21 makes it clear what an individual saver loses by starting late. In a section highlighting the difference between saving for 30 or 40 years, the report states: &#8220;In the context of a consistent savings plan, earning a net real return of 5% (after fees and inflation), saving for 40 rather than 30 years will deliver a retirement income that is 83% higher. Or, to put it another way, people who save for only 30 years instead of 40 will have to make do with an almost 50% lower retirement income.&#8221;</p>
<p>They are acting against one of the key rules of successful investing, which was outlined by Warren Buffet when he said: &#8220;Investing is not about timing the market but time in the market.&#8221;</p>
<p>&nbsp;</p></div>
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				<div class="et_pb_text_inner">The RRR21 makes it clear what an individual saver loses by starting late. In a section highlighting the difference between saving for 30 or 40 years, the report states: &#8220;In the context of a consistent savings plan, earning a net real return of 5% (after fees and inflation), saving for 40 rather than 30 years will deliver a retirement income that is 83% higher. Or, to put it another way, people who save for only 30 years instead of 40 will have to make do with an almost 50% lower retirement income.&#8221;</p>
<p>The RRR21 is based on findings of the 2021 Brand Atlas Survey, which tracks the lifestyles of the universe of 15 million economically active South Africans (those living in households with a monthly income of more than R8,000).</p>
<p>I am certain if you were to ask people who are in retirement or approaching it, 9 out of 10 of them would tell you they wish they had started investing earlier. Let us be the generation that learns from those who have travelled the road to retirement ahead of us. We don&#8217;t have to repeat the mistakes they made.</p>
<p>We have time on our hands! It has been said that the best time to start saving for retirement is when you receive your first paycheque; the second best time is now.<br />
The RRR21 has shown how many people who, even though they are saving for retirement, are unsure they will have enough money to preserve their lifestyle in retirement: 79%! That is nearly 4 in 5 retirement savers worrying about funding their retirement years, never mind treating themselves to a new hobby or a trip to visit the grandchildren.<br />
If you have time on your side don&#8217;t misuse it; use it to secure your financial future.</p>
<p>When you ask people what they did with their first paycheque, you&#8217;ll hear some wild stories about buying a bucket of KFC or even blowing it all in one weekend (and having to borrow money to make it to the next weekend, nevermind Payday #2).</div>
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				<div class="et_pb_text_inner">In July 2018, one day before my 22nd birthday, I received my first proper paycheque of R2,500. I remember depositing R800 into my retirement annuity, after which I made regular monthly contributions of R400.</p>
<p>I had learned from a very young age that investing requires discipline at first but it soon becomes a habit. It was important to me to invest a portion of my first salary before I got used to spending the full amount that I earned every month.</p>
<p>If you feel like you are running out of time and your calculations show that you are not on track to retire comfortably, you will have to extend your working career and/or increase your monthly contribution to your retirement fund. Unfortunately, this will require some sacrifices in the short term, but it will buy you peace of mind and some comfort in the longer term.</p>
<p>If, however, you have time on your side, don&#8217;t miss out on the chance to get ahead of the game. Save at least 10-15% of your income from the start to make it more affordable and manageable to set yourself up for a comfortable retirement. The more you postpone that start date (or, worse still, if you force a restart by withdrawing your retirement savings when you change jobs), the higher that monthly contribution will need to be to catch up for the lost time.<br />
South Africa has been sitting on a ticking time bomb for decades. This will not change unless we change it. Spread the word: Save Like Crazy and Leave It To Grow. The way to live the dream is to start investing as soon as you can.</div>
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				<div class="et_pb_text_inner"><blockquote><p>Khwezi Jackson is a millennial, an early adopter of great ideas and an Employee Benefit Consultant at 10X Investments.</p>
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		<title>3D Secure 2.0 upgrades the customer experience for eCommerce merchants and customers</title>
		<link>https://tribebusinessmagazine.co.za/2021/06/21/3d-secure-2-0-upgrades-the-customer-experience-for-ecommerce-merchants-and-customers/</link>
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		<pubDate>Mon, 21 Jun 2021 14:15:14 +0000</pubDate>
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					<h1 class="entry-title">3D Secure 2.0 upgrades the customer experience for eCommerce merchants and customers</h1>
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				<div class="et_pb_text_inner"><p>Developed more than ten years ago, 3D Secure 1 was welcomed, but not exactly user-friendly, widely adopted and recognised when a pop-up window appeared with ‘Verified by Visa’ (later rebranded as Visa Secure), ‘SecureCode’ from Mastercard of Safekey from Amex. The system was somewhat convoluted, complex and was often plagued by compatibility issues. A protocol designed to be an additional security layer for online credit and debit card transactions, the name refers to the &#8220;three domains&#8221; which interact using the protocol: the acquirer domain, the issuer domain, and the interoperability domain.</p>
<p>&nbsp;</p>
<p>Over time, many merchants or etailers came to see 3DS as a security benefit that gave them peace of mind when shopping online. Which makes the arrival of 3DS 2.0 a welcome upgrade, one that introduces some significant improvements to online payment processing and security.</p>
<p>&nbsp;</p>
<p>This shift to 3DS 2.0 is aligned to the increased growth in eCommerce, the need for additional security parameters, and the demand for seamless user experiences. All these factors are essential to the continued growth of eCommerce and the retention of a growing online customer base while ensuring that customer security concerns, and risks, are addressed as intelligently and carefully as possible.</p>
<p>&nbsp;</p>
<p>Over the next few months, most card schemes will require payment platforms and retailers to migrate to the new standard. This has made the move mandatory, but ultimately delivers measurable benefits that make the move worthwhile.</p>
<p>&nbsp;</p>
<p>Karen Nadasen, CEO of PayU South Africa, explains, “One of the most important benefits is trust &#8211; in the transaction, the process and the service provider. This is why the enhanced 3DS 2.0 has put user experience and additional security at the heart of its processes. Authentication processes will primarily be managed behind the scenes as the data used by the platform and retailer moves to authenticate at speed, and at a high level of security. Factors such as biometrics can also be integrated to provide a more robust framework for service providers, cardholders and payment platforms.”</p>
<p>&nbsp;</p>
<p>The new solution also uses more data to assess the risk associated with a transaction. Transactions that are considered low risk by the cardholder’s bank can potentially be authenticated without the need for an OTP (One Time Password) or other forms of authentication that banks use. This reduces the friction currently experienced by customers in the checkout process without compromising on security and therefore potentially reducing abandonment.</p>
<p>&nbsp;</p>
<p>With 3D Secure 2.0, the customer follows a journey that increases engagement and reduces friction, adding that all-important stickiness to the merchant and customer relationship. Additional information gathered from the customer or received from the merchant will be used by the bank to determine whether or not the transaction requires further authentication. If yes, they will follow the usual authentication process, but using a more seamless approach dependent on the authentication methods offered by their financial institution. If not, the transaction will be completed immediately.</p>
<p>&nbsp;</p>
<p>This intelligent application of technology and process to eCommerce transactions can transform eCommerce. It’s also why PayU is currently switching all merchants over to the 3DS 2.0, and ensuring that the new standard is accessible to all customers. Merchants don’t have to undergo any additional changes, although they do have the option to submit additional data related to customers and transactions to further streamline purchasing.</p>
<p>&nbsp;</p>
<p>Nadasen, who is also the Chairperson of The Ecommerce Forum of South Africa (EFSA), concludes, “As we say farewell to 3D Secure 1.0, we can be grateful for its immense contribution, but as is always the case with eCommerce, technology is incredibly dynamic and iterates continuously. It has run its course. With the surge towards online shopping since the pandemic started, the timing of 2.0 to further protect consumers, merchants and enhance their online experience couldn&#8217;t be better.”</p>
<p>&nbsp;</p>
<p><b><i>For more information or interviews, please contact MediaWeb Journalism Hub&#8217;s Newsdesk on <span style="color: #ff0000;"><a href="mailto:info@mediaweb.co.za" target="_blank" rel="noopener">info@mediaweb.co.za</a></span> or 021 419 3144.</i></b></p></div>
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		<title>What are my options when it comes to financing my car?</title>
		<link>https://tribebusinessmagazine.co.za/2021/05/12/https-motus-cars/</link>
					<comments>https://tribebusinessmagazine.co.za/2021/05/12/https-motus-cars/#respond</comments>
		
		<dc:creator><![CDATA[]]></dc:creator>
		<pubDate>Wed, 12 May 2021 11:58:21 +0000</pubDate>
				<category><![CDATA[Business]]></category>
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				<div class="et_pb_text_inner"><p>If you are thinking about purchasing a new or previously loved car, you’ll have many decisions to make. Unfortunately, the decisions don’t stop with the type and colour of the car – you will also need to determine the best financing option for you.</p>
<p>Most of us would look at selecting one of the following options: a cash deal, an instalment, an instalment with balloon (residual) payment, or  a lease. These days one could also weigh up a guaranteed buy-back deal.</p>
<p><a href="https://motus.cars/" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://motus.cars/&amp;source=gmail&amp;ust=1623500156784000&amp;usg=AFQjCNGcfvF__W0D30hZIkwD_RefmeXIYQ">motus.cars</a> helps us understand and explore the various options:</p>
<p align="center">
<p><b>Cash purchase</b></p>
<p>If you can pay cash for your car, it would be the ideal way to purchase it!</p>
<p><b> </b></p>
<p><b>Instalment finance</b></p>
<p>This is the most common and straightforward  car payment method. You pay off the car in monthly instalments for up to 72 months either with or without a deposit. Monthly repayments are worked out by calculating the purchase price of a vehicle,  less the deposit that is put down at the start of the deal. The lengthier the term, the more interest one would pay. Ideally you should put down a substantial deposit and structure the loan over the shortest possible time. This way will ensure that you pay the least amount of interest.</p>
<p>With this option you own the car outright after your last payment of the instalment term.</p>
<p>&nbsp;</p>
<p><b>Instalment finance with a balloon payment</b></p>
<p>Also known as a residual – this option is similar to instalment finance, except a portion of the purchase price is set aside so that the repayments are calculated on a lower amount. Simply put, balloon payments are like deposits except they’re payable at the end of a term instead of at the beginning.</p>
<p>Buyers must be careful of the amount put into a balloon because they will be responsible for the lump sum once the finance term is finished. After paying that instalment for all those years, the car is still not yours &#8211; that big amount which was taken off to lower your instalment to something you could afford, is now due.</p>
<p>&nbsp;</p>
<p><b>Leasing instead of buying</b></p>
<p>Leasing a vehicle is just what it says: You pay for the use of a vehicle for a set period and return it at the end of the period. The lease agreement gives you the right to use the vehicle as your own, without owning it. It has its pros and its cons, such as restrictions on the vehicle’s usage, but it also means that the instalments are more affordable.</p>
<p>You can drive a new car every two to four years and enjoy the benefits of the latest models. When the lease elapses, you do not have to worry about selling or trading in the car &#8211; or settling any outstanding money owed to your bank. Monthly repayments are more affordable, and there are no service and maintenance costs as these are covered by the service and maintenance contracts.</p>
<p>Lease agreements have strict limitations and penalties, so you need to ensure you get the car serviced at the specified intervals, repaired by approved repairers and adhere to the mileage limits.</p>
<p>&nbsp;</p>
<p><b>Guaranteed buy-backs / Guaranteed Future Value (GFV)</b></p>
<p>Guaranteed Future Value is becoming a more popular option of vehicle finance in South Africa. Any new car starts to depreciate the second you drive it off the showroom floor, a GFV plan, therefore determines what the future value of your car will be if detailed terms and conditions regarding the vehicle condition, mileage and maintenance are met.</p>
<p>This means that you will be aware of what your car will be worth once the contract term (usually between three and four years) is reached. You are then given three choices – you can either:</p>
<p>1.    enter into another GFV deal and drive away in a new car,</p>
<p>2.    settle the outstanding amount and own the vehicle, or</p>
<p>3.    return the vehicle to the dealership and walk away (provided you did not exceed the agreed mileage, and the vehicle is in acceptable condition as stipulated in your plan).</p>
<p>&nbsp;</p>
<p>If you do plan on choosing this type of finance, you need to make sure that you read and fully understand the fine print.</p>
<p>&nbsp;</p>
<p>Use these simple <a href="https://www.mfc.co.za/budget-calculator" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://www.mfc.co.za/budget-calculator&amp;source=gmail&amp;ust=1623500156784000&amp;usg=AFQjCNGOkE1g_5A6ESpUY-XpJ8Bb5uOIww">affordability</a> and <a href="https://motus.cars/finance/finance-calculator" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://motus.cars/finance/finance-calculator&amp;source=gmail&amp;ust=1623500156784000&amp;usg=AFQjCNGoFmg6S-L5RdHrNgoJVwcZr6hHWw">finance</a> calculators to help you determine what you can afford and what finance option will be best for your needs.  Then browse through our vast selection of <a href="https://motus.cars/new-cars" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://motus.cars/new-cars&amp;source=gmail&amp;ust=1623500156784000&amp;usg=AFQjCNGoVbS7TMNozywJQNdmSulct6_NUQ">new</a> and <a href="https://motus.cars/shop-cars-for-sale/used-demo" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://motus.cars/shop-cars-for-sale/used-demo&amp;source=gmail&amp;ust=1623500156784000&amp;usg=AFQjCNFuIYQeRBsxUt0qt5MviFBWNyn8Yw">used</a> vehicles to find your next car.</p>
<p>&nbsp;</p>
<p>Visit our <a href="https://motus.cars/blog" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://motus.cars/blog&amp;source=gmail&amp;ust=1623500156784000&amp;usg=AFQjCNHPmqKxABMmSt4RsY65o6cQqv9_OA">blog</a> for further info and tips, and join the conversation on <a href="https://www.facebook.com/motus.carssa" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://www.facebook.com/motus.carssa&amp;source=gmail&amp;ust=1623500156784000&amp;usg=AFQjCNHgs_6U27Oz_79aCaFJeF1M5xQ6cg">Facebook</a> and <a href="https://www.youtube.com/channel/UCHEeNO-djwT4t3WJzgN6xRA" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://www.youtube.com/channel/UCHEeNO-djwT4t3WJzgN6xRA&amp;source=gmail&amp;ust=1623500156784000&amp;usg=AFQjCNG_T7mgD8LmxVFIZNE91jOlRuG3zg">YouTube</a> and <a name="m_1058646868573147112_x__Hlk56611077"></a><a href="https://twitter.com/motuscarssa" target="_blank" rel="noopener" data-saferedirecturl="https://www.google.com/url?q=https://twitter.com/motuscarssa&amp;source=gmail&amp;ust=1623500156784000&amp;usg=AFQjCNGy5TsHIBgdwZiGbi8rBjJJgwC1Gw">Twitter</a>.</p></div>
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		<title>Moshesh Partners closes funding for first R2bn Renewable Energy and Clean Infrastructure Fund</title>
		<link>https://tribebusinessmagazine.co.za/2021/04/07/https-www-moshesh-partners-moshesh-partners-closes-funding/</link>
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		<dc:creator><![CDATA[]]></dc:creator>
		<pubDate>Wed, 07 Apr 2021 12:30:05 +0000</pubDate>
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		<guid isPermaLink="false">https://tribebusinessmagazine.co.za/?p=756</guid>

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				<a href="https://www.moshesh.partners/moshesh-partners-closes-funding" target="_blank" rel="noopener"><span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="1200" height="800" src="https://tribebusinessmagazine.co.za/wp-content/uploads/2021/04/moshesh-and-partners.jpg" alt="" title="moshesh and partners" srcset="https://tribebusinessmagazine.co.za/wp-content/uploads/2021/04/moshesh-and-partners.jpg 1200w, https://tribebusinessmagazine.co.za/wp-content/uploads/2021/04/moshesh-and-partners-980x653.jpg 980w, https://tribebusinessmagazine.co.za/wp-content/uploads/2021/04/moshesh-and-partners-480x320.jpg 480w" sizes="(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1200px, 100vw" class="wp-image-808" /></span></a>
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					<h1 class="entry-title">Moshesh Partners closes funding for first R2bn Renewable Energy and Clean Infrastructure Fund</h1>
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				<div class="et_pb_text_inner"><p>Moshesh Partners, a mid-market black alternative asset manager, has reached a first close for its first Renewable Energy and Clean Infrastructure Fund, and is targeting R2billion in assets under management in the next 18 months. This is in addition to the more than 2,000 MW pipeline of solar, wind and storage projects it has already secured.</p>
<p>Its timelines for investment are in 2021, with IC approved investments due for deployment by the end of the second quarter. The fund anticipates equity returns of 16-18%, uncorrelated to securities markets, and will deploy debt and equity refinancing and structuring to further boost returns, comfortably out-performing all other major asset classes in Sub-Saharan Africa.</p>
<blockquote class="wp-block-quote"><p>“our investment team has a strong track record in renewable energy, having already raised and deployed more than r5 billion in renewable energy projects,” says sifiso shongwe, co-founding member and chief executive officer of moshesh partners. “this includes raising and deploying capital via equity, mezzanine and debt into projects totaling 2,507 mw across solar pv, wind, csp, plastic to fuels, and  open-cycle gas turbine plants.”</p></blockquote>
<p>According to the <a href="http://www.csir.co.za/" target="_blank" rel="noopener">CSIR</a>, South Africa is likely to experience load-shedding for at least another three years, with Eskom’s Energy Availability Factor (EAF) having declined from 94% in 2000 to 67% in 2019. The research body estimates that the power utility’s supply gap is around 7,000 MW per year for the next three years at least, and proposes increased electricity license exemption for distributed generation as the most effective solution available to bridge this gap until new IPPs come online.</p>
<p>With the Minister of Minerals and Energy, Gwede Mantashe, having announced Bid Window 5 of the government’s Renewable Energy Independent Power Producer Procurement Programme <a href="http://www.energy.gov.za/files/events_overview%20IPP.html" target="_blank" rel="noopener">(REIPPPP)</a> on 18 March 2021 with a further four requests for proposals expected in the next 12 months, it’s clear that timing is ideal to participate in funding a sector that is sorely needed to enable South Africa’s recovery and growth.</p>
<p>The Minister’s lifting of the threshold for embedded generation from 1MW to 10MW also opens opportunity for further investment in distributed generation projects – a move that was supported by Eskom chief executive Andre de Ruyter. Moshesh is currently under exclusivity with two JSE listed firms to provide on-site as well as wheeling of power to their entire operations in South Africa.</p>
<p>The government’s updated Integrated Resource Plan 2030 (IRP 2030) expects nearly 30,000 MW of new capacity to come online by 2030, with 6,000MW allocated to solar PV and 14,400MW to wind energy, in addition to 500 MW per year allocated to distributed generation, which equates to R50 billion in investment required over the next 10 years.</p>
<p>“Projects included within the REIPPPP are long-dated with real returns, with guaranteed off-take with Eskom that is backed by Treasury,” says <a href="https://www.moshesh.partners/partners" target="_blank" rel="noopener">Daniel Palm</a>, co-founding member and chief investment officer of Moshesh Partners. “They offer stable cash flows, high yields, and bankable security, along with a strong social and environmental impact.</p>
<p>“This first close positions Moshesh partners well on its journey to be South Africa’s leading B-BBEE renewable energy fund, with its strategy of innovative financial structuring and partnering with international independent power producers and local companies to provide clean energy and independent power security,” <a href="http://linkedin.com/in/daniel-palm-b57b66a" target="_blank" rel="noopener">Palm</a> adds.</p></div>
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		<title>Down to Business</title>
		<link>https://tribebusinessmagazine.co.za/2020/10/14/down-to-business/</link>
					<comments>https://tribebusinessmagazine.co.za/2020/10/14/down-to-business/#respond</comments>
		
		<dc:creator><![CDATA[]]></dc:creator>
		<pubDate>Wed, 14 Oct 2020 22:44:53 +0000</pubDate>
				<category><![CDATA[Business]]></category>
		<guid isPermaLink="false">https://tribebusinessmagazine.co.za/?p=493</guid>

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					<h1 class="entry-title">Down to Business</h1>
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				<div class="et_pb_text_inner"><h2><strong><span>Designed by Nature</span></strong></h2>
<p><span> </span></p>
<p><span>How Patrick Mavros is bringing the beauty of Africa to the world through extraordinary jewellery and sculptures inspired by Zimbabwe’s wildlife<br />
</span></div>
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				<div class="et_pb_text_inner"><p> Every item made by the Mavros family in their House of Jewels is infused with love—love of their art, and love of Africa.</p></div>
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			</div><div class="et_pb_section et_pb_section_37 et_section_regular" >
				
				
				
				
				
				
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				<div class="et_pb_text_inner"><p>With such a focus on heritage, it’s no surprise that Patrick Mavros puts the spotlight on wildlife conservation for generations to come.</p>
<p>It all began with one pair of earrings. Intended as a loving gift for his then-fiancée Catja, Patrick Mavros handcrafted the rose-shaped jewellery in 1978 while recuperating from illness—he was still a baker at that time. When she wore them to the local salon, her hairdresser immediately noticed them and requested her own pair. Soon the other ladies in the salon also expressed their desire for these delicately beautiful handworks. </p>
<p>Now, decades later, Patrick Mavros is a successful family-run company, with all four of the Mavros sons also lending their creativity and expertise to the business. </p></div>
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				<div class="et_pb_text_inner"><p>Their unique luxury products represent a “safari of adventure, romance and above all unquestionable quality”. Their rationale behind starting the business was to develop a luxury brand on the continent. America has Tiffany &#038; Co., and France has Hermès—so why not Patrick Mavros for Africa?</p>
<p>In addition to men’s and women’s jewellery in 18-carat gold and sterling silver, their range includes homeware such as teaspoons, cocktail swizzle sticks, napkin rings, as well as beautiful sculptures, candelabras, paperweights, placecard holders and pen pots. Every single piece has been designed by a member of the Mavros family.
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The Patrick Mavros headquarters in the hilly outskirts of Harare, Zimbabwe is operated out of a studio and wildlife sanctuary. It’s here in the Umwimsi Valley where Patrick and Catja brought up their four sons—Alexander, Forbes, Benjamin and Patrick Jr—in an environment that honed their creativity and ignited their passion for the business. Pieces are also made and sold in their Mauritius atelier (headed by Forbes), with other stores in Harare, Nairobi and London.
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				<div class="et_pb_text_inner"><p>As with that very first pair of earrings, every item made by the Mavros family in their House of Jewels is infused with love—love of their art, and love of Africa. This care and attention is evident in every facet of the business: from design and production to customer service.</p>
<p>It’s all about bringing the beauty of Africa to the world through extraordinary jewellery and sculptures inspired by Zimbabwe’s wildlife. The Mavros family feels most African products tend to be mere curios, which can become gimmicky; so they attempt instead to update native art or traditions for the modern, luxury market. For instance, Forbes’ Elephant Hair Bangle is based on the centuries-old African bracelet that was crafted by elders when a young hunter or warrior killed his first elephant. It was believed that wearing the bracelet would imbue the warrior with the might of the elephant on his journeys across the continent.</p>
<p>All their pieces are timeless heirlooms that can be handed down from generation to generation. Indeed, family heritage is a hallmark of the Patrick Mavros brand. They’re immensely proud to be the oldest European family in Zimbabwe, and to be part of the Great African Story.</p>
<p>With such a focus on heritage, it’s no surprise that Patrick Mavros puts the spotlight on wildlife conservation for generations to come. Not only are there collections embodying the beauty of African animals such as the crocodile, hippo and elephant—but also collections that mirror the wonders of the seas and oceans. The Ocean Tides collection is inspired by the tides in Mauritius which, once or twice a year, go so low that the coral reefs are exposed, revealing the true colours of the undersea world; Patrick Mavros has sourced gemstones reflecting these soft hues. Kate, the Duchess of Cambridge, was seen sporting earrings from this gorgeous collection during the COVID-19 lockdown in the United Kingdom.</p>
<p>And Patrick Jr’s Pangolin Collection, in collaboration with photographer Adrian Stern, is raising incredible awareness on a global scale for the plight of the world’s most trafficked mammal, the shy pangolin anteater. Ten percent of sales from this jewellery collection is donated to the Tikki Hywood Foundation’s Trust in Zimbabwe to help continue its conservation efforts. (See this edition’s The Object feature for a look at one of the pieces in this remarkably well-crafted collection.)
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				<span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="71" height="54" src="https://tribebusinessmagazine.co.za/wp-content/uploads/2020/10/magazine-18.png" alt="" title="" class="wp-image-50" /></span>
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				<div class="et_pb_text_inner"><p>Wax on, wax off</p></div>
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				<div class="et_pb_text_inner"><p><strong>How Patrick Mavros silver sculptures are made</strong></p>
<p>Every silver sculpture is made using the ancient technique of lost wax casting, refined over many years in the Patrick Mavros workshop to yield exceptional results. A handmade wax model is encased in liquid rubber which, once set, is carefully cut away to provide a ‘negative’. Into this cavity, molten wax is injected, allowed to cool and then removed from the rubber mould in the form of the original.</p>
<p>After thorough checking, the new wax model is covered with investment powder and fired. The heat melts the wax, which trickles out through a tiny aperture. All that remains in the plaster is a perfect hollow in which every surface detail of the wax model is captured. Molten silver is then poured into the plaster mould.</p>
<p>Once the silver has cooled, the plaster mould is broken open to reveal the silver casting. The casting is then cleaned and checked to see that every detail of the original has been faithfully reproduced in silver. Finally, the piece is hallmarked and polished.</p></div>
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				<div class="et_pb_image_container"><a href="https://tribebusinessmagazine.co.za/2026/03/31/south-africas-connectivity-future-depends-on-people-not-just-percentages-focusing-on-human-metrics-will-close-the-digital-divide/" class="entry-featured-image-url"><img loading="lazy" decoding="async" src="https://tribebusinessmagazine.co.za/wp-content/uploads/2026/03/cc-400x250.png" alt="South Africa’s connectivity future depends on people, not just percentages." class="" srcset="https://tribebusinessmagazine.co.za/wp-content/uploads/2026/03/cc.png 479w, https://tribebusinessmagazine.co.za/wp-content/uploads/2026/03/cc-400x250.png 480w " sizes="(max-width:479px) 479px, 100vw "  width="400" height="250" /></a></div>
														<h2 class="entry-title">
													<a href="https://tribebusinessmagazine.co.za/2026/03/31/south-africas-connectivity-future-depends-on-people-not-just-percentages-focusing-on-human-metrics-will-close-the-digital-divide/">South Africa’s connectivity future depends on people, not just percentages.</a>
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					<p class="post-meta"><a href="https://tribebusinessmagazine.co.za/category/business/" rel="tag">Business</a></p><div class="post-content"><div class="post-content-inner et_multi_view_hidden"><p>Here’s the truth about how connectivity is seen broadly. Walk into any boardroom and you will hear comforting numbers. 99.9% uptime and megabits per second north of 100. C-suites might talk about ironclad SLAs. </p>
</div><a href="https://tribebusinessmagazine.co.za/2026/03/31/south-africas-connectivity-future-depends-on-people-not-just-percentages-focusing-on-human-metrics-will-close-the-digital-divide/" class="more-link">read more</a></div>			
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			<article id="post-3683" class="et_pb_post clearfix et_pb_blog_item_2_1 post-3683 post type-post status-publish format-standard has-post-thumbnail hentry category-business">

				<div class="et_pb_image_container"><a href="https://tribebusinessmagazine.co.za/2026/03/31/the-water-is-changing-reimagining-governance-for-an-infinite-game/" class="entry-featured-image-url"><img loading="lazy" decoding="async" src="https://tribebusinessmagazine.co.za/wp-content/uploads/2026/03/water-400x250.png" alt="The water is changing. Reimagining Governance for an Infinite Game" class="" srcset="https://tribebusinessmagazine.co.za/wp-content/uploads/2026/03/water.png 479w, https://tribebusinessmagazine.co.za/wp-content/uploads/2026/03/water-400x250.png 480w " sizes="(max-width:479px) 479px, 100vw "  width="400" height="250" /></a></div>
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													<a href="https://tribebusinessmagazine.co.za/2026/03/31/the-water-is-changing-reimagining-governance-for-an-infinite-game/">The water is changing. Reimagining Governance for an Infinite Game</a>
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					<p class="post-meta"><a href="https://tribebusinessmagazine.co.za/category/business/" rel="tag">Business</a></p><div class="post-content"><div class="post-content-inner et_multi_view_hidden"><p>There are two young fish swimming along when they meet an older fish swimming the other way. The older fish nods and asks, “Good morning. How’s the water?” The young fish swim on for a while until one turns to the other and asks, “What the hell is water?”</p>
</div><a href="https://tribebusinessmagazine.co.za/2026/03/31/the-water-is-changing-reimagining-governance-for-an-infinite-game/" class="more-link">read more</a></div>			
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			<article id="post-3400" class="et_pb_post clearfix et_pb_blog_item_2_2 post-3400 post type-post status-publish format-standard has-post-thumbnail hentry category-business tag-courier tag-dpd tag-jason-lombard tag-logistics tag-south-africa">

				<div class="et_pb_image_container"><a href="https://tribebusinessmagazine.co.za/2025/05/05/nutun-south-africa-becomes-global-bpo-contender/" class="entry-featured-image-url"><img loading="lazy" decoding="async" src="https://tribebusinessmagazine.co.za/wp-content/uploads/2025/05/Nutun-Call-Centre-1-400x250.png" alt="South Africa Becomes Global BPO Contender" class="" srcset="https://tribebusinessmagazine.co.za/wp-content/uploads/2025/05/Nutun-Call-Centre-1.png 479w, https://tribebusinessmagazine.co.za/wp-content/uploads/2025/05/Nutun-Call-Centre-1-400x250.png 480w " sizes="(max-width:479px) 479px, 100vw "  width="400" height="250" /></a></div>
														<h2 class="entry-title">
													<a href="https://tribebusinessmagazine.co.za/2025/05/05/nutun-south-africa-becomes-global-bpo-contender/">South Africa Becomes Global BPO Contender</a>
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					<p class="post-meta"><a href="https://tribebusinessmagazine.co.za/category/business/" rel="tag">Business</a></p><div class="post-content"><div class="post-content-inner et_multi_view_hidden"><p>It’s well known that South Africans are competitive and are renowned for a high work ethic. Despite the well-known challenges that our country has, we enjoy a robust independent media and a sound financial system, and now our intensity to compete has South Africa...</p>
</div><a href="https://tribebusinessmagazine.co.za/2025/05/05/nutun-south-africa-becomes-global-bpo-contender/" class="more-link">read more</a></div>			
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