The second season of 'Bank on it' brings together senior Capitec leadership, leading voices across the financial ecosystem, and inspiring entrepreneurs in honest, insightful conversations.
Each episode delivers expert perspectives and practical, actionable insights to help you better understand and navigate today’s evolving financial landscape.
Many episodes also offer a closer look at Capitec’s inner workings and how its client-centric approach to innovation is making banking simpler, more accessible, and more affordable for all.
Bringing the Department of Home Affairs to the People’s Bank
In Episode 2 of Bank on it, host Koshiek Karan sits down with Eugene Vivier, Head: Card Processing Channels at Capitec, for a conversation that moves beyond finance and into the philosophy of service. What emerges is not simply a discussion about systems and logistics, but a broader meditation on intentionality, on what it means to design institutions around human beings rather than forcing people to adapt to institutions
3 Jun 2026
The CEO Playbook: Why Culture, Accountability and Consistency Drive Growth
In the premiere episode of the second season of Bank on it, host Koshiek Karan — former investment banker turned financial education influencer — is joined by Capitec CEO Graham Lee for a conversation that moves beyond titles and into the habits and philosophies shaping modern leadership.
18 Mar 2026
Turning transactions into trust
Capitec is using retail innovation and diversification to deliver real client benefits, drive financial inclusion and future-proof itself.
In this episode, Karan sits down with Basani Maluleke, Personal Banking executive at Capitec, to explore how the bank is systematically dismantling its biggest operational challenge — branch queues — by turning supermarket till points into banking hubs and using data as a roadmap for financial inclusion.
9 Feb 2026
The money mistakes costing people millions
The world of personal finance is often shrouded in complex jargon and overwhelming choices. Yet, one South African brand has managed to cut through the noise, making financial well-being more accessible.
In the latest episode of the popular video and podcast series Bank on it, renowned financial education influencer Koshiek Karan sits down with independent certified financial planner Johann Peens (JP) to discuss how to build long-term financial security. Peens is a board member of the Financial Planning Institute of South Africa and has 20 years’ experience in personal financial advisory.
27 Jan 2026
Insight to action: How data drives Capitec’s client experience
Capitec's remarkable expansion isn't solely rooted in market disruption; it stems from a powerful diagnostic tool that translates millions of raw client interactions into precise, practical knowledge.
In the latest episode of the popular video and podcast series Bank on it, Blessing Mgaga, the executive head of Client Experience Delivery, and Navashnee Moodley, the head of Client Experience, delve into the bank’s meticulously integrated listening ecosystem. This infrastructure enables Capitec to anticipate client needs, conduct daily product improvements and cultivate a robust wave of client support and advocacy.
25 Nov 2025
Rethinking rewards for 24 million South Africans
The secret to running one of the largest financial services rewards programmes isn't complex tiers or hidden fine print - it's simplicity and transparency. In the latest episode of Bank on it, Kelly Goldsworthy, Head: Live Better at Capitec reveals that Capitec is actively disrupting the industry’s typical cost-driven complexity by making tangible, real-world value accessible to all 24 million of the bank’s clients.
18 Nov 2025
Turning data into defence against fraud
The future of financial security is being decided right now, not just by firewalls, but by advanced data structures that map criminal networks. In the latest episode of Bank on it, Nick Harris, head of Financial Crime, Risk Management at Capitec, revealed the bank’s pioneering adoption of graph databases - a technology the bank affectionately call the "spider web" - to pre-emptively stop sophisticated fraud rings and protect consumers before they even become victims.
18 Nov 2025
Banking on the next generation
This episode of Bank on it offers valuable advice for graduates entering the workplace including practical, battlefield advice on navigating the intense early years of a career in banking, including learning how to transform pressure into performance. Companies, on the other hand, will gain insight into the success mindset cultivated within Capitec's high-potential talent pool, proving that a culture of psychological safety around failure is key to developing high performing talent.
16 Oct 2025
How branches grow with their communities
Capitec’s success isn't built on complex algorithms or complicated banking jargon, but on a genuine commitment to human connection and a deep understanding of its clients' realities. This episode of Bank on it offers invaluable, insider knowledge for every business leader and marketer who recognises that the human element is the ultimate competitive advantage in a digital world.
29 Sept 2025
Beat financial fraud: think twice before you click, pay or share
In the fourth episode of ‘Bank on it’ host Koshiek Karan discusses the evolution of financial fraud in SA — and how you can protect yourself — with Capitec’s Iain Orpen, head of fraud prevention and detection at Capitec.
16 Sept 2025
Inside the app that millions bank on
How do you create a digital product that serves nearly 25 million people while remaining simple, personalised and efficient? This is the challenge faced by the teams at Capitec, as discussed in the latest episode of Bank on it during an insightful interview with Andy Baker, executive head of Technology and Ravi Govender, head of Product Technology Services.
29 Aug 2025
Welo Health: Using tech to simplify healthcare for all
In the second episode of Bank on it powered by Capitec, Koshiek Karan sits down with Welo Health co-founder and CEO Zanele Matome to deliver a masterclass in entrepreneurial resilience.
What if the secret to building a successful startup isn’t about speed, but about patience? In an exclusive, exciting conversation, Zanele Matome, the co-founder and CEO of Welo Health, shares how she got her startup off the ground by ignoring conventional wisdom and focusing on the long game. This isn't just Matome’s story but also a blueprint for founders who want to build a sustainable business.
29 Aug 2025
Why millions trust Capitec to keep it simple
In the first episode of Bank On It, Koshiek Karan speaks to two senior, long-standing Capitec executives: Asha Patel, head of brand and communications, and Francois Viviers, executive of marketing and communication. Together, they unpack why millions trust Capitec to keep it simple
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