“Despite AI’s capabilities, human judgment remains essential in Credit and Recoveries Management. Humans bring nuanced decision-making that AI cannot replicate.”
Eugenè Joubert
a New Era in Credit and Recoveries Management
The short definition of Credit is: a deferral of payment.
If credit is granted to a consumer then the NCA would apply.
If payment is deferred in trade credit in the normal cause of business, irrespective the terms and conditions, then FICA would apply.
“Creditors have better memories than debtors”
Benjamin Franklin
Credit in 2026 = evolution + new game rules
South Africa’s macroeconomic pressures – driven by inflation, unemployment, and energy instability – continue to shape credit demand and repayment risk. Variations in debt‑to‑income ratios across demographics underscore the need for robust analytics to support informed, risk‑aligned credit decisions across trade and consumer portfolios.
“Neither a borrower nor a lender be, for loan often loses both itself and friend, and borrowing dulls the edge of husbandry”
William Shakespear
AI data-driven models may help to evaluate and extend credit.
1. How transparent must algorithms be?
2. What constitutes fair use of AI data?
3. How can customers verify the accuracy of automated decisions?
Digital platforms are increasingly being used not only for transactions but also for financial interpretation hence turning them into gateways for monitoring cost structures, comparing interest models, and assessing sustainability.
Who are we
We are a Services Supplier to a vibrant and diverse credit and recoveries community. Companies facing rising costs and talent shortage are forced into a state of innovation.
What we do
Our focus is to provide innovative customised services, training and support to address the challenges businesses in Credit and Recoveries Management are facing.
Where are we
We deliver our services and offerings Nationally and Globally.
South Africa’s digital credit landscape is transitioning toward a model that prioritises transparency, evidence-based regulation, and informed customer participation.
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