The financial space is changing a lot in all areas such as regulation, technology, compliance, demographics, changing customer expectations, rise of millennials and competition from fin tech. We have already started experiencing new ways of payments, microfinancing, investment advice, money management, trading etc - this will eventually expand to all size and shape of financial offerings. Joining Teboho Mafodi and Bulelani Balabala is Mr Bongani Coka, CEO of SAIPA; Mohamed Rasivhetshela, CEO of Makanda Finance; and Wikus Olivier, Debt Counsellor from Debtsafe. www.cliffcentral.com