Most South Africans are not able to invest because of high investment minimums, high fees and product complexity - people just don't know where to start. As a result, only 4% of the population currently invests, whereas South Africa is top in the world for the search term 'how to invest'. Today we chat to Thomas Brennan and Seb Patel on how they tackled this problem and started a business called Franc. They make investing and saving easy without requiring any minimums and keeping fees low.

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