Through the Payments Ecosystem Modernisation Programme (PEM), South Africa is moving away from legacy infrastructure toward faster, more open payment rails. Michael Avery spoke with Marin Cundall, Managing Executive: Identity, Customer, and Payments GoTyme Bank, to unpack what this shift means for banks, fintechs, and the broader economy.

From instant payments and interoperability to the role of digital identity and regulatory reform, the conversation explored how modernising the “arteries” of the financial system could reshape how money moves in SA.