In this episode of Startup & Scaleup People, Mario sits down with Coen Jonker, Co-Founder of Tyme Group, one of the world's fastest-growing digital banking businesses.Tyme Group operates across South Africa, the Philippines, Indonesia, Hong Kong and Singapore, serving more than 22 million customers and reaching a valuation of $1.5 billion. Coen shares the journey of building a digital bank from scratch, the challenges of operating in highly regulated markets, and why financial inclusion remains at the heart of the company's mission.The conversation explores the innovative kiosk model that helped TymeBank scale, lessons on leadership, customer obsession, operational excellence, hiring, culture, and the importance of staying focused as a founder.

Coen also shares his views on AI, how it is already transforming decision-making inside organizations, and why the future belongs to businesses that combine technology with human connection.Don't forget to subscribe!

Chapters:

00:00 Introduction to Coen Jonker and His Journey

02:32 Understanding the Business Model of a Multi-Country Digital Bank

04:19 Empowering Emerging Markets Through Financial Services

07:01 Innovative Kiosk Model for Banking Services

11:27 Challenges of Banking vs. Fintech

14:25 The Complexity of Building a Bank

21:55 Key Insights for Founders in Fintech

25:42 The Importance of Customer Focus

27:51 Building Customer Relationships in Large Businesses

30:53 Connecting with Customers for Product Improvement

32:12 Empowering Employees for Better Decision Making

35:24 The Role of AI in Business Transformation

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