As a registered attendee of the 2025 Global SME Finance Forum, you will be invited closer to date to reserve your place for the study visit session of your choice. As there are limited spots for each study visit, please note that this will be on a first-come, first-serve basis.
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Title: The Tyme Era: Banking that is Transformative and Unconventional. Digital when it counts, Human when it matters.
TymeBank is a South African digital-first bank focused on financial inclusion, offering low-cost banking services with no monthly fees and low transaction costs to all South Africans, including the underbanked. It provides digital account opening which is accessible via its online platform and has over 1,000 kiosks at retail partners like TFG and Boxer stores nationwide for access and cash deposits. The bank also includes products like MoreTyme, a buy-now-pay-later service with no interest, and through the recent acquisition of Retail Capital, it now provides funding for small and medium-sized enterprises (SMEs).
During the study visit, participants would gain insights into the following key areas, showcasing TymeBank’s differentiated and emerging-market-tailored approach for both personal and SME banking:
- Market & Inclusion Trends: How digital-first banking is transforming access in underserved South African communities.
- Personal Banking Innovations: Deep dive into the exceptional onboarding journey, EveryDay account, GoalSave offering, SendMoney solution, MoreTyme product, and digital value-added features that drive savings, payments, and convenience.
- SME Banking Strategy: Examination of Business accounts, turnover-based lending from Retail Capital, and digital tools supporting all enterprises.
- Digital and Retail Ecosystem: The role of kiosks in Boxer and TFG, plus partnerships embedding banking into everyday retail.
- Technology & Data-Driven Banking: Use of TymeX, cloud-based infrastructure, AI analytics, and transaction data to drive personalisation, risk management, and scalability.
- Financial Inclusion Outcomes: Strategies for onboarding low-income and remote users, expanding market reach, and turning customer acquisition into sustainable growth.
