In March, reached the 20 million clients milestone and it now owns the biggest market share compared to older banks. We have Francois Viviers, Group Executive: Marketing and Communications at Capitec in studio today to talk us through the business of banking and lessons learnt with client experiences. He has over a decade of experience in different positions at South Africa's biggest digital bank. He took over the management of the brand at the critical juncture where Capitec was established as a household name domestically, and he says he is now focused on the next phase of growth.