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www.cada.co.za
CADA
2018
Credit and Decision Analytics Conference
Badges
Recognising our delegates
You might have noticed that on your
lanyard you have a badge.
To celebrate our new and returning
delegates, we’ve created badges indicating
how many CADA events they’ve attended.
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2018 #CAD 2018 #CAD 2018 #CAD 2018 #CAD
C ompuscan
welcomes our
newest delegates
W hile not new
to CADA, our
Novice delegates
W e understand
that time is a
precious commodity
T o celebrate our
loyal delegates
and biggest
who are attending have obviously amongst delegates; fans who have
CADA for their 1st caught the CADA that said, we’d like attended all 4 CADA
time; while they are bug and are thus to thank those Elite Conferences, we
Rookies, we value joining us for a 2nd delegates who bestow on them
their attendance year of learning, have taken the time the title of Legend
and hope to walk networking and to attend 3 CADA and hope to see
a journey of many great fun. conferences. them at many more
CADAs with them. conferences.
Contents
Important Information................................................................ 4
Welcome...................................................................................... 5
Conference Overview.................................................................. 6
Your Facilitators.......................................................................... 8
Conference Day 1........................................................................ 10
Conference Day 2........................................................................ 51
CADA History............................................................................... 66
Conference TV
We will be preserving and broadcasting the key messages of our
conference though our Conference TV station in the foyer. We
encourage all the speakers to please go to the TV station after
your presentation, so we can record a 1 minute summary of your
message. Delegates are also welcome to come and have a say.
Have you installed the
Whova App?
To better engage with our delegates, and encourage
networking and conference participation, we’ll be
contacting you through the Whova App. Feel free to
participate in the discussion forums, polls, or connect
with fellow delegates.
If you haven’t yet downloaded the Whova App, please
visit your phone’s App Store, download the app and
search for 2018cada to find this year’s conference.
Should you have any difficulties, please contact one
of the organisers.
3Important Information
Hosts, Organisers and Contact Points
Your Hosts
Remo Lenisa Pete van Heerden Frank Lenisa
Chief Executive Officer, Managing Executive, Chief Marketing Officer,
Compuscan Group Scoresharp Compuscan
Thabo Hermanus Mike Reilly
Managing Director, Chief Information Officer,
Compuscan Group Compuscan Group
Conference Managers
Stacey Jansen 083 638 3380 Celeste Katts 082 881 9738
4Welcome to CADA
Welcome to the 2018 Credit & Decision Analytics Conference.
Year on year, data increases exponentially. As technology improves, we see an influx of
new data, but as data increases, we need new technology to make sense of it.
The Credit & Decision Analytics Conference is about taking what has happened in the past,
making sense of data, learning about tech and applying them to gain insight into future
trends.
We’ve searched for top-quality speakers with industry-relevant knowledge and experience
that will educate you and provide you with valuable insights. Sessions will be facilitated
by industry-renowned speakers, tech and business experts, Michael Jackson and Ryan
Hogarth.
CADA is also an exceptional platform for professionals working in the financial and retail
sectors in Southern Africa and beyond to exchange knowledge, practical experiences,
trends, developments, best practices and networking. We know you will enjoy and learn
from our intense but insightful range of topics while enjoying the surroundings and
amenities Fancourt has to offer.
Have some fun and experience data with us at the 2018 Credit & Decision Analytics
Conference.
Kind regards
Your Hosts from Compuscan and Scoresharp
5Conference Overview
Experience, network, learn and have fun!
Arrival day
5 September 2018
08:00 Conference registration starts
08:00 Activities to kick off
12:00 Lunch, drinks and networking (Club Lounge)
18:30 Welcoming dinner (Club Lounge)
Day 2
6 September 2018
06:00 - 07:45 Breakfast (La Cantina)
13:10 - 14:10 Lunch (La Cantina)
07:45 Conference starts
19:00 Dinner (Monets Restaurant)
Day 3
7 September 2018
06:00 - 08:30 Breakfast (La Cantina)
08:30 Conference starts
12:00 Conference closing
12:00 Closing lunch (La Cantina)
6Activities
Mountain Biking
Amateur or professional, come and enjoy
a ride in the mountains – no kit needed.
Activity leader: Dirk Lombard - 082 759 2206
Gin Tasting
Sip away on delicious gins in a laid-
back and informative tasting session.
Activity leader: Francois Finlay - 082 874 8553
Golf
Enjoy 18 holes at one of two prestigious golf courses.
Activity leader (Links): Pete van Heerden - 082 779 4321
Activity leader (Outeniqua): Paul Andrews - 082 565 6797
Cooking Class
Learn secrets of the trade for you to try at
your next dinner party from a master chef.
Activity leader: Frank Lenisa - 082 920 0455
Massage
Unwind and let yourself be
pampered with a relaxing massage.
Activity leader: Celeste Katts - 082 881 9738
7Your Facilitators
Energetic Tech & Business Experts
Michael Jackson
Michael has over 30 years of experience. Born in
Britain, educated in London, and trained in business
strategy development and communication, he
has personally worked for business leaders such
as Richard Branson and Bill Gates, as well many
leading global businesses such as Qatar Airways,
HP, Goodyear and Barclays. Today, Michael is
internationally sought after as a professional
speaker and has also become globally renowned
as a specialist on the subject of change in a
business context. He has carved out an enviable
reputation as one of the best business-to-business speakers and facilitators on the global
professional circuit by speaking at around 160 conferences and seminars a year since 1990,
across Africa, Asia, Europe, the USA and the Middle East; to audiences ranging from factory
workers to Heads of State. He is consistently rated by his clients, conference organisers and
audiences alike as ‘simply outstanding’ for the way he creates and delivers powerful messages
– woven with personalised individual company and industry business messages to precisely
suit every audience. Michael has the ability to consistently and successfully predict and detail
changing market performances, trends and consumer behaviour with unerring accuracy for
companies, industries and markets around the world – and all while motivating his business
audiences to perform to a better personal standard.
8Ryan Hogarth
The author of the recently published “How to
Win Influence & Friend People”. He has spent the
last 5 years immersing himself in the world of
social media, mobile and general technology to
understand how these have caused the seismic
shift in business thinking we have seen in the
last decade. He maintains a regular blog and has
written for Die Beeld, Meetings SA, BusinessTech,
Franchise Warehouse, Skyways, Human Capital
Review & Shop-SA. He has worked with such
clients as Ernst & Young, IBM, ITWeb, General
Motors, FNB and Telkom. As a sought-after speaker on change, communication and social
business, Ryan has expert knowledge of the changing face of business being created by
mobile technology, social media and eBusiness; not just as marketing tools but the impact on
Human Resources as well as risk and privacy implications brought by the social generation.
Some of the largest companies have employed Ryan to help provide insight into the new,
fertile, as yet unexplored environment of social business.
9Day 1
Let’s get started!
Start End Topic Speaker
Remo Lenisa,
07:45 08:00 CADA Opening & Welcoming Michael Jackson &
Ryan Hogarth
Economics for Financial Services
Economic and Political Outlook of Financial
08:00 08:40 Annabel Bishop
Services for 2018 and Beyond
08:40 08:50 Q&A Panel Discussion
Cutting Out the Noise Around Financial Technology
Fintech Trends and Pointers to Success for
08:50 09:10 Paul Mitchell
Financial Services Firms
Bitcoin, Cryptocurrency, and Blockchain
09:10 09:50 Simon Dingle
Benefits for Financial Services Firms
09:50 10:10 The World of Open Banking Dmitry Drabkin
10:10 10:20 Q&A Panel Discussion
10:20 10:50 Coffee Break (Foyer)
10:50 11:10 The Future of Digital Identification Technology David Thomas
The Application of Internet Chat Bots for
11:10 11:30 Craig McLeod
Financial Services Firms
11:30 11:40 Q&A Panel Discussion
Credit and Analytics for Financial Services
Xolani Nkosi &
11:40 12:00 Profit Optimisation in Credit
Louis Pienaar
Analytics to Improve Debt Counselling
12:00 12:20 Benay Sager
Payment Collection Ratios
Improving Debt Recovery Agent Performance
12:20 12:40 Marius Smith
with Effective Analytics
10Unsecured Lending Adaptation in a Changing
Theunis Van
12:40 13:00 Credit Industry and The Role of Informal
Rensburg
Lending
13:00 13:10 Q&A Panel Discussion
13:10 14:10 Lunch (La Cantina)
Leveraging the Power of Alternate Credit Data
14:10 14:40 Alternate Data Safari Jacobus Eksteen
14:40 15:00 Find Credit - Mobile Lending Solution Gary Brown
15:00 15:20 Tenant Score Using Rental Payments Data Louw Liebenberg
15:20 15:40 SME Information Sharing Karl Westvig
15:40 15:50 Q&A Panel Discussion
15:50 16:20 Coffee Break (Foyer)
Law and Regulation for Financial Services Firms
16:20 16:40 The Proposed Draft Prescription Bill and its Michelle Kelly-
Impact on The Credit Industry Louw
16:40 17:00 The Practical Impact of The Cybercrimes Bill Lisa Emma-
on Financial Institution Iwuoha
17:00 17:20 Must I Comply With GDPR? John Giles
John Giles & Lisa
17:20 17:40 Direct Marketing Under POPIA: Q&A
Emma-Iwuoha
17:40 17:50 Q&A Panel Discussion
Michael Jackson
17:50 18:00 Conference Wrap Up Day 1
& Ryan Hogarth
Dinner at Monets - 19:00
11Economics for Financial Services
Economic and Political Outlook of Financial
Services for 2018 and Beyond
Annabel is presenting the expected medium-term business cycle forecast, while also
analysing structural changes and emerging trends in the economy, including GDP
growth, consumption spending, fixed investment, inflation, interest and exchange
rates. In addtion, Annabel will highlight the impact of the rising political risks on the
economy.
Annabel Bishop
Chief Economist, Investec
Annabel Bishop joined Investec in 2001, and has worked in the
macroeconomic, risk and econometric fields for around 25
years.
Annabel is the holder of the Sake/Beeld Economist of the Year
title for 2010 and has won numerous monthly Reuters Econometer awards, and various
Focus Economics (Economic Forecasts from the World’s Leading Economists) categories
for correctly forecasting a range of economic variables. She has authored a wide range of
in-house and external articles, published both abroad and in South Africa. She has also
lectured at Gibbs, the University of Pretoria, Wits, UJ and other academic institutions, and has
presented at various national and international conferences.
12Notes 13
Cutting Out the Noise Around
Financial Technology
Fintech Trends and Pointers to Success for
Financial Services Firms
Technology presents many wonders but with the rapid rate at which tech changes,
it’s difficult for financial services firms to keep up. Paul shares insights into the latest
trends in fintech and how companies can successfully implement them to stay on top.
Paul Mitchell
Fintech and Blockchain Lead, PWC Consulting
Paul began his career as a civil engineer in London, then moved
to a large consultancy, managing large programmes. He moved
to Cape Town in 1998 and joined a small strategy firm. In the
first IT boom, he joined a middleware startup, 10 years before
“The Lean Startup” was published, trying to work things out on
the fly. When he didn’t become an IT billionaire, he went back to strategy consulting, running
a boutique strategy firm focused on financial services. He joined PwC in 2012 and is now
the Fintech and Blockchain lead for PwC in South Africa. He advises both corporates and
startups, and focuses on blockchain and its impact across industry.
Paul is married with 3 children and outside of work you may find him running on the mountain
or experimenting with his homebrew.
14Notes 15
Bitcoin, Cryptocurrency, and Blockchain Benefits
for Financial Services Firms
Bitcoin, cryptocurrency, blockchain... What does it all mean? On the one hand, they
are seen as buzzwords, but on the other hand, they point to important forces in the
information and financial services industries. To help you make sense of it, Simon
Dingle will debunk the myths surrounding Bitcoin and blockchain, and outline what the
new era of money means for you and your business.
Simon Dingle
CEO, Inves Capital
‘In Math We Trust: The Future of Money’ is the title of Simon’s
brand new book, and he says, “it is the future of everything!”
Money is the second most important societal invention after
language and it underpins every part of our daily lives. Blockchain
technology and the invention of triple-entry accounting is believed by many to be a more
important invention than the internet itself, as it has the opportunity to usher in a new age
of decentralised governance. Having worked first-hand with blockchain technologies since
2011, Simon Dingle explains in his presentation “What is money?”, what Bitcoin is and how it
works, what smart contracts mean for business and society, and how this new invention could
transform every part of our modern world.
Simon hosts a weekly technology show on 5fm and regularly appears on local and
international television and radio shows including Tech News Today and The Money Show.
He recently featured in the Mail & Guardian’s Top 200 Young South Africans list. Simon works
with companies at the forefront of this movement and reveals what lies ahead.
16Notes 17
The World of Open Banking
Open Banking is the use of open APIs, provided by financial institutions, used by
third-party providers to build applications and services around consumers financial
information.
Dmitry Drabkin
Co-founder, TruID
Dmitry Drabkin is a co-founder at truID, a leading banking API
developed from the ground up in South Africa. With just a few
lines of code, truID enables secure, real-time access to South
Africa’s largest banks. truID is an innovative platform that gives
consumers control of their data and enables innovation across the financial spectrum.
Before founding truID in 2016, Dmitry performed financial audits on some of South Africa’s
largest companies in Energy and Natural Resources and Financial Services. After KPMG,
Dmitry was a part-time tax lecturer and co-founded DVG Investment Group which is a
specialist financial and tax consulting practice.
Dmitry completed his accounting honours at the University of the Witswatersrand and
subsequently qualified as a Chartered Accountant (SA).
18Notes 19
The Future of Digital Identification Technology
Fraudulent identification documents cost the financial, retail, and related industries
trillions of dollars a year. The manual identification systems, currently used by most
companies, are laborious, costly and sensitive to human error or additional criminal
activity. David Thomas will highlight how digital identification technology will help now
and in the future.
David Thomas
Co-Founder & Head of Product, This Is Me
David Thomas is the co-founder of ThisIsMe, South Africa’s
premiere identity verification platform. ThisIsMe allows
individuals to protect and provision their identity while aiding
banks and other accountable institutions with their KYC and
Due Diligence requirements. A self-confessed tech-junkie, David
has gained invaluable experience in the tech arena, and has held senior technical roles in the
Real Estate, Tourism and the Gaming industries. Having identified the need for solid customer
verification as a consistent thread throughout his career, David started ThisIsMe with Juan
Furmie in 2014.
20Notes 21
The Application of Chat Bots for Financial
Services Firms
The huge increase in active online users means financial services firms have
experienced high volumes of requests. Traditionally, to address this issue, companies
use call centres, which are costly, have high employee turnover and aren’t always
reliable – depending on the agent. Craig’s solution is chat bots! Using the latest in
human-computer interaction technology, these bots handle the mundane tasks that
bog down call centres, freeing your employees to do the tasks computers can’t – yet!
Craig McLeod
Operations Director, GotBot
Craig McLeod is on a mission to educate companies about the
revolutionary technology of Machine Learning Chat Bots and the
value it can add to a company. He has 13 years’ exposure to
the telecommunications space, specifically around call centre
software solutions and implementations.
He has successfully contributed to the deployment of multimillion rand solutions around South
Africa. Traditionally working in the technical department and then heading up consulting sales
teams, Craig has had extensive exposure to technology over the years and is currently working
as Operations Director for a Machine Learning Company called GotBot.
22Notes 23
Credit and Analytics for
Financial Services
Profit Optimisation in Credit
One of the most difficult challenges for a company is pricing, especially in the credit
industry which carries the burden of debt. Pricing in the lending industry needs to take
into account what the consumer is willing to pay, limitations regulated by legislation,
and whether or not the pricing is optimised for the lender’s profit margins. Xolani and
Louis discuss the dynamic between pricing and optimisation in the credit industry.
Xolani Nkosi
Manager, Pricing and Profitability, African Bank
I grew up in a small mining town in Mpumalanga called Ermelo.
Life was simple with all the coal mining activities in the area
that inspired me to pursue a degree in Mechanical Engineering
after completing my matric in 2005. Doing my degree in the city
(University of Pretoria) raised interest in the field of finance and I knew I will have to attain
such experience later in my life. However, having studied engineering for four years, I had to do
justice to the engineering degree. I joined the petrochemical industry as an engineer working
for Sasol in Secunda, Mpumalanga for almost five years. Two years ago, although it feels like
a decade already due to the fast paced work in the industry, I joined African Bank as a Credit
Analyst.
Outside work I enjoy spending time socialising. I also enjoy the company of my family and our
4-year-old son’s never ending energy.
24Notes 25
Louis Pienaar
Manager, Pricing and Profitability, African Bank
Louis studied at the University of Pretoria where he completed
BComm Investment Management and a BComm Hons
Investment Management degrees. He spent 18 Months working
for Liberty as a Financial Advisor and 18 Months as a Strategy
Analyst at Edcon before moving to African Bank in 2016 as a Credit Analyst. At African Bank,
he has proven himself to be valuable as an analyst and grown his portfolio from Affordability
initially as an analyst to now managing the Risk and Underwriting portfolio. During his time at
African Bank, Louis has been part of several credit policy adjustments that have led to major
improvements in the overall level of risk within the bank’s book, as well as maintaining, and in
some instances increasing overall sales.
Outside of work, Louis enjoys spending time with family and friends. He is an avid hiker and
enjoys spending time outdoors.
26Notes 27
Analytics to Improve Debt Counselling Payment
Collection Ratios
Through the use of predictive analytics, Benay is talking about improving debt
counselling payment collection ratios by reducing non-payments before they occur,
and improving recovery of missed payments after they occur.
Benay Sager
COO, IDM Group
Benay Sager is the Chief Operating Officer of Intelligent Debt
Management (IDM) Group, SA’s largest debt management
company. IDM owns multi-award winning debt counselling
companies DebtBusters and Consumer Debt Help. Benay is
responsible for managing all operational aspects of IDM, is a key
member of the executive team, and provides strategic vision, direction and management to
the group companies.
Prior to joining IDM in 2013, Benay was an Associate Principal at McKinsey & Company, a
global management consulting firm, where he worked for six years. While at McKinsey, he
primarily worked on Strategy and Operations projects in Financial Services, Energy, and
Mining industries across three continents. Prior to that, Benay worked in the USA in a variety
of industries, including paper, electronics, and biotechnology.
Benay’s educational background includes a Master of Business Administration, Ph.D. and M.S.
in Mechanical Engineering, all from the Georgia Institute of Technology in Atlanta, GA, USA. As
part of his Ph.D. work at Georgia Tech, Benay was involved in the development of 3D printing
technologies for healthcare applications, for which he was co-awarded a U.S. Patent. He still
follows 3D printing closely, is a self-declared data geek and loves solving problems.
28Notes 29
Improving Debt Recovery Agent Performance
with Effective Analytics
By using big data techniques combined with voice analysis to analyse a huge volume
of call data, important business insights are obtained. Marius presents how voice
analytics can help enhance the performance of call centres by providing insights that
reduce call time and repeat calls, provide information about customer satisfaction and
competitive intelligence, reduce churn by predicting at-risk customers, improve quality
monitoring, and provide targeted coaching to individual employees by analysing their
particular performance. Marius will also provide an overview of how analytics and
technology work for those analytically minded delegates.
Marius Smith
Chief Operations Officer, Nimble Group
Marius Smith is the Chief Operations Officer at the Nimble Group
and heads up Consumer Operations. He has been with the group
since 2009.
Marius Smith is also the past president of ADRA (for 2016 &
2017) and currently sits on the Board of Directors for ADRA.
30Notes 31
Unsecured Lending Adaptation in a Changing
Credit Industry and the Role of Informal Lending
The credit industry is perpetually changing due to regulatory amendments, socio-
economic fluctuations and changes in consumer behaviour. Arguably, the unsecured
lending industry is effected by these factors more so than any other. We look into
how the market has changed and the challenges that come with it, as well as the role
informal lending has to play in the South African credit industry.
Theunis van Rensburg
Scoring Head of Credit, Wonga
Theunis Jansen van Rensburg is the Head of Credit at Wonga
Finance SA. With the credit environment ever changing, the
credit lifecycle of the customer is dynamic and sometimes
volatile. Theunis is responsible for leading the credit strategy
through the entire credit life cycle of the customer in order to maximise access to credit within
an acceptable risk appetite.
Previously, Theunis worked as a data scientist using all types of data to predict, inform and
analyse all aspects of the business. This data focused narrative continues throughout the
business, as all strategic decisions are based on sound and innovative analytics and modelling
techniques.
Theunis holds two B.Sc. Honours degrees, one in Financial Mathematics and another in
Statistics from the North-West University.
32Notes 33
Leveraging the Power of Alternate
Credit Data
Alternate Data Safari
South Africa has great depth and breadth of ‘traditional’ credit bureau data.
However, there are still many consumers who struggle to access financial services
due to limited information, based on this data.
Join the drive for financial inclusion during which we investigate the potential benefits
and challenges of diverse ‘alternate’ data sources such as deeds, CIPC, rental,
educational, psychometric, mobile and internet data.
Jacobus Eksteen
Scoring Analyst, Compuscan
Jacobus has a degree in Financial Risk Management from the
University of Stellenbosch, an M.B.A. from the University of
Stellenbosch’s Business School and a certificate in Machine
Learning from Stanford University.
He has experience in credit risk management from a bureau and credit provider perspective
and has developed models and products that address credit risk, propensity, collections,
verification of contact data and pay dates.
34Notes 35
Find Credit - Mobile Lending Solution
With customers, come risks. Determining the degree of risk is complicated, especially
if there isn’t enough industry data on a consumer to establish the risk or predict risky
behaviour. Gary presents a solution that uses a range of alternative data sources, to
understand the consumer and to apply these scores at the point of application.
Gary Brown
Business Development Director, Creditinfo
Gary is a Business Development Director at Creditinfo and brings
more than 10 years of experience in credit risk management, now
focusing on psychometric scoring and alternative data usages.
Previously Gary worked for one of the UK’s leading credit bureaus,
Callcredit Information Group, as a Principle Consultant within the Consultancy and Analytics
team. Prior to this Gary worked for the UK’s largest bank, Lloyds Banking Group in a number
of risk management roles.
36Notes 37
Tenant Score Using Rental Payments Data
Renting property to those without credit histories is very risky and a difficult obstacle to
overcome. Knowing your tenant and their payment history is one of the best indicators
of future payment behaviour. Louw tells us how companies can use rental payments
as alternate data to obtain a tenant score to predict tenant payment behaviour.
Louw Liebenberg
CEO, PayProp
Louw Liebenberg is the CEO of PayProp South Africa, the largest
processor of residential letting transactions in South Africa.
He has been with PayProp for just over seven years during this
time the business grew its turnover four-fold and started its
journey towards being a data driven business. With a background in operations, marketing
and strategy consulting he has developed a multi-faceted view of the role of data in building a
safer and more stable transactional business.
38Notes 39
SME Information Sharing
Reducing information asymmetry and access to finance is cited as the biggest
impediment to SME finance. Karl will be presenting an initiative underway to improve
SME repayment information sharing.
Karl Westvig
CEO, Retail Capital
Karl Westvig is the Founder and CEO of Retail Capital. The
company was established in 2011 to provide businesses with
an alternative funding solution to traditional banks and has
advanced over R1.5bn to SME businesses in South Africa.
Karl is a serial entrepreneur who has founded many businesses including the RCS Group and
Direct Axis.
He is a member of the Young Presidents Organisation, a Fellow of the African Leadership
Initiative and the Aspen Global Leadership Network and Chairs the JAG Foundation, a sport
and education charity supporting children in the high-risk areas of Cape Town.
40Notes 41
Law and Regulation for Financial
Services Firms
The Proposed Draft Prescription Bill and its
Impact on the Credit Industry
The credit industry is sensitive to many factors; one of the biggest factors is regulation
and legislation. The proposed draft Prescription Bill has a significant impact on the
industry. Michelle explains how the Prescription Bill, which aims to regulate the period
of time a debtor is responsible for their debts under certain circumstances, challenges
the mechanisms of the credit industry.
Prof. Michelle Kelly-Louw
Professor of Law, Department of Mercantile Law,
University of South Africa
Michelle holds a doctoral degree in international banking
law. She has published widely in the fields of insolvency law,
banking law and consumer credit law and her research has been
cited with approval by the South African courts, including the
Constitutional Court and the Supreme Court of Appeal. She has received five research awards,
including the South African Department of Science and Technology’s award for Distinguished
Young Woman Scientist in 2010. She was one of the drafters of the Land and Agricultural
Development Bank Act 15 of 2002. She was a member of the Business South Africa’s Task
Group on Insolvency Law who investigated the proposed Unified Insolvency and Business
Recovery Bill of 2003. She drafted the consequential amendments contained in the National
Credit Act 34 of 2005, provided expert advice to the drafting team and also assisted with the
drafting of the 2006 regulations to this Act. During 2005, she was one of the initial drafters that
worked on proposals for a new South African Deeds Registries Act and Sectional Titles Act.
In April 2010, she was appointed by the South African National Treasury and the Department
of Cooperative Governance and Traditional Affairs as the drafter of the Financial Misconduct
Regulations issued in terms of the Municipal Finance Management Act 56 of 2003 and the
Disciplinary Regulations for Senior Managers that were issued in terms of the Municipal
Systems Act 32 of 2000. She served on the panel of legal experts for the South African
National Treasury and the legal panel of the South African National Roads Agency Limited
Property Portfolio. She was a visiting research fellow at the University of Westminster, London
(2010) and a research fellow at the Institute of Advance Legal Studies in London (2016). She
is the President of the International Association of Consumer Law and a member of various
South African and international law journals.
42Notes 43
The Practical Impact of the Cybercrimes Bill on
Financial Institution
The Cybercrimes Bill will have a significant impact on many organisations and
individuals. Unfortunately, the impact is mostly negative and frankly quite daunting. It
has serious practical implications for everyone, including all internet users. Which is
why Lisa is discussing the implications of the Cybercrimes Bill and what it means for
your business.
Lisa Emma-Iwuoha
Associate Attorney, Michalsons
Lisa is an attorney that focuses on a variety of issues related to
ICT. She enjoys helping organisations understand what the law
requires them to do. She has helped organisations understand
the practical effect of various issues, including cybercrimes
and data protection. She has also helped organisations with compliance in these areas. Lisa
regularly presents on data protection and cybersecurity-related issues.
44Notes 45
Must I Comply with GDPR?
The deadline to comply with the General Data Protection Regulation (GDPR) has
just passed. People all over the world are rushing to comply and are working hard to
implement the required controls. The big question is: do you have to comply with the
GDPR? Who does the GDPR apply to? What is the territorial scope of the GDPR? John’s
talk will help you understand what GDPR is and if you should be complying with it.
John Giles
Managing Attorney, Michalsons
John Giles is a trusted independent professional legal adviser,
who is a practising attorney. He is currently helping many
organisations understand the practical impact of data protection
laws on their organisations. He helps them to comply with data
protection laws and implement effective privacy projects. He has also presented over 100
times on the topic to thousands of people. John is an information, communications and
technology (ICT) lawyer. He has 20 years of practical experience applying his knowledge to
organisations to help them grow and avoid legal problems, difficulties, and disputes.
46Notes 47
Direct Marketing Under POPIA: Q&A
The Protection of Personal Information Act (POPIA) has raised many questions across
a wide range of industries with regard to how companies can utilise direct marketing
techniques within the scope of the new Act. John and Lisa discuss the implications
POPIA has on direct marketing and will field questions audience members have
regarding the Act and how it affects their marketing strategies.
John Giles
Managing Attorney, Michalsons
Lisa Emma-Iwuoha
Associate Attorney, Michalsons
48Notes 49
50
Day 2
Let’s rap things up!
Start End Topic Speaker
Michael Jackson &
08:30 08:40 Conference opening
Ryan Hogarth
Loyalty and Rewards Management:
Being Passionate about Customer Experience
“Sweating” the Loyalty Asset. Turning Rewards
08:40 09:00 Programmes into Key Business Tools to Drive Michelle Govindsamy
Profitability
09:00 09:20 Customer Experience and Rewards Fraser Lamb
Staff Behaviour and Reward Programs that
09:20 09:40 Leigh Moon
Drive Customer Experience
09:40 09:50 Q&A Panel Discussion
09:50 10:20 Coffee Break (Foyer)
Protecting Your Firm from Risks
Why and How to Implement PEPs and
10:20 10:40 Joel Lange
Sanctions Screening
Credit Health in the Workplace: Managing
10:40 11:00 People Risk and Contributing to a Fair and Magauta Mphahlele
Accessible Credit Market
An Employee Screening Strategy to Manage
11:00 11:20 Jenny Reid
People Risk
Social Media Screening as a Risk Mitigation
11:20 11:40 Farhad Bhyat
Tool.
11:40 11:50 Q&A Panel Discussion
Michael Jackson &
11:50 12:00 Conference Wrap Up and Closing
Ryan Hogarth
12:00 13:00 Lunch (La Cantina)
51Loyalty and Rewards Management:
Being Passionate about Customer
Experience
“Sweating” the Loyalty Asset. Turning Rewards
Programmes into Key Business Tools to Drive
Profitability
Loyalty programmes come at a cost. There is an increased need for programmes to
derive and demonstrate value via data driven ROI capabilities. Michelle explains how
to make your loyalty programme work for you, deriving and demonstrating real ROI,
while still keeping the customer at the centre.
Michelle Govindsamy
Head: Value Management
Michelle Govindsamy is the Head of Value Management for
the Absa Rewards Programme. She is part of the team which
launched the Absa Rewards, 5-tiered proposition in 2017 and
which continues to enhance the customer offering. Michelle has
extensive experience in finance specific to the financial services industry. As a professionally
trained accountant, she has held finance roles across the insurance and banking sector. She
is passionate about harnessing the power of data and analytics to drive profitability and grow
customer loyalty.
52Notes 53
Customer Experience and Rewards
Are companies doing enough to give their customers the best experience they can?
It’s difficult for companies to understand each and every customer’s needs, wants
and expectations. If one of these aren’t satisfied, the company risks losing a customer
and, due to the viral nature of social media, many more. Fraser is talking about
the importance of delivering good customer experiences and rewarding your loyal
customers.
Fraser Lamb
Executive Chairman of Africa & CEO of South Africa,
McCann
Scotsman | South African | Failure | Lieutenant | Electronic
Engineer | World Traveller | Lottery Operations Director | MBA
| Direct Marketer | Wunderman | Acquirer | Story Teller | GM |
Married | Ad Agency Builder | MD | Father | Ad Man | Anti-Usualist | African Trotter | Teacher |
CEO | Consultant | Group CEO | Closet Creative Director | Executive Chairman | Network Builder
| Ideator | Truth Seeker | Mentor | Integrator | Apprentice | Life Lover | Noticer | Halftime, 51…
54Notes 55
Staff Behaviour and Reward Programmes that
Drive Customer Experience
Customer acquisition and retention isn’t only affected by your product. Companies
struggle to address employee happiness and work satisfaction, which play a significant
role in how your customer experiences your company. Leigh will present a way to drive
customer experience by implementing programmes that reward staff.
Leigh Moon
Managing Executive, Client Experience,
SA Home Loans
Leigh Moon is the Managing Executive: Client Experience at SA
Home Loans, based at their Head Office in Durban, South Africa.
Leigh started her Financial Services career at First Bowring and
Associates as a Financial Advisor. Leigh subsequently joined NBS and held various key Sales
Management positions, and was promoted to General Manager: NBS Retail Sales. As part
of the merger between NBS and Peoples Bank (Nedbank), Leigh was appointed as the Key
Client Retention Head and succeeded in retaining and growing the Savings, Transactional
and Investment Book. Leigh’s last position at Nedbank was as National Sales Manager: where
she was responsible for the roll out of the Nedbank Personal Loan Product into the branch
network and successfully grew the product.
Throughout Leigh’s career in Financial Services she has always had a passion for service
delivery. In NBS this culminated in the roll out of the successful NBS Legendary Service
Programme. After joining SA Home Loans as General Manager: Client Services, Leigh drew
on her experience to develop the unique SA Home Loans Amazing Services Programme. The
Amazing Service Programme is fully inculcated into the SA Home Loans culture and has
become a key differentiator in the highly competitive home loan market. Amazing Services
is about living the core values of Care, Commitment and Communication, both in the lives of
clients and staff alike.
Leigh in her role as Managing Executive: Client Experience, is responsible for an extensive
portfolio including Help Desk Contact Centre for existing Client Servicing, Further Lending
Division, Client Service Centre Division, Client Engagement Division and Champion of our
Amazing Service Programme. Her portfolio also includes Product and Research.
56Notes 57
Protecting Your Firm from Risks
Why and How to Implement PEPs and Sanctions
Screening
Day-to-day customers aren’t the only people who pose risks to companies. Politically
exposed persons, those entrusted with important public functions, and their
acquaintances carry the potential of being involved in bribery and corruption, both of
which can impact companies and governments. In his talk, Joel emphasises why it is
important to screen for PEPs and sanctions, and how companies can implement such
processes.
Joel Lange
MD, C6
Joel Lange joins us from Dow Jones’s Risk & Compliance division
where he led the business for over 4 years through a period of
significant growth with a product portfolio focusing on Anti-
Money Laundering, Anti-Corruption and Sanctions Compliance.
Mr Lange has over a decade of experience in the compliance and transaction operations
industry holding senior sales, product and professional service roles at Dow Jones, Accuity
and Broadridge. Mr Lange is a regular speaker on compliance topics at conferences around
the world. Mr Lange holds a BA in International Relations from the University of Minnesota
and a MSc in International Finance from the University of Westminster.
58Notes 59
Credit Health in the Workplace: Managing
People Risk and Contributing to a Fair and
Accessible Credit Market
Employee wellness programmes include employees’ financial health as well! Magauta
will present how employers are using various interventions to improve employee credit
health and in the process, prevent fraud and other behaviours from manifesting in
employees.
Magauta Mphahlele
Founder and CEO, Ithuseng Credit Solutions (ICS)
Magauta Mphahlele is the founder and CEO of Ithuseng Credit
Solutions (ICS) which is a 100% female owned private company
that is a registered Alternative Dispute Resolution Agent. ICS
mediates disputes between credit providers and consumers as
well as provides debt management solutions directly to consumers or through their employers.
ICS currently has 21 000 employees under its financial wellness program.
Magauta is also an accredited Court Annexed Mediator and registered Debt Counsellor. Her
extensive experience in credit and general consumer protection spans more than 18 years.
The Consumer Protection Act and National Credit Act were conceptualised, consulted on and
passed into law under her leadership as the Consumer Law Reform Project Manager at the
Department of Trade and Industry.
Magauta holds an Honours Degree in Applied Linguistics and a Postgraduate Diploma in
English Education from Wits University. She was also a Junior Lecturer at Wits from 1995 to
1998 in the Applied Linguistics Department.
Her passion is to ensure a healthy and fair credit and consumer protection market in South
Africa through influencing policy and legislation as well as empowering consumers with
information about their rights, obligations and options when they are experiencing financial
difficulties. She is a respected speaker and commentator on credit and general consumer
protection issues.
In 2015, she was recognised by the Banking Association for her contribution to their
STARSAVER PROGRAMME which is a programme that aims to improve the financial literacy
of Primary Schools Learners. Since inception, STARSAVER has reached more than 6 million
learners across all South African Provinces.
60Notes 61
An Employee Screening Strategy to Manage
People Risk
A company is only as good as the talent they hire. New employees carry unknown
risks that could have a significant impact on a company. Jenny will talk about how
having an employee screening strategy can help protect employers ensure they hire
honest, ethical and dedicated employees.
Jenny Reid
Social Media Risk Analyst, iFacts
Jenny Reid is the CEO of iFacts, one of the leading online
employee screening and engagement service providers in South
Africa today. Based on the premise that, removing the people
risk will ultimately help organisations to prosper, iFacts ensures
that companies thrive with honest, ethical and productive employees and services providers.
In 1995, Jenny joined the security industry at an investigations firm, where she was ultimately
appointed as Managing Director. During this time she was also the first woman to ever be
appointed as President of the Security Association of South Africa. iFacts started in 2001 and
Jenny bought it out 100% in 2009.
Never content to rest on her laurels, Jenny has taken the iFacts brand to new heights and is
constantly looking for new and innovative ways to ensure that companies maintain true value
in their organisation, and enhance that value.
Jenny’s strong leadership style and outspoken views on corporate crime and political
corruption have made her a highly sought after local and international conference speaker
and NLP (Neuro-linguistic programming) coach. She is also part of the Cheri Blair Foundation
Mentee Alumni.
Jenny is the founder of Adventures for Love, an organisation made up of likeminded women
who embark on a number of physical adventures around the globe to raise awareness and
funds for various charities and conservation efforts. Jenny lives in South Africa with her
husband, Neil.
62Notes 63
Social Media Screening as a Risk Mitigation Tool
All companies carry risks when dealing with customers or business owners.
Determining that risk can be difficult for companies without the right tools. Farhad is
presenting how social media can be used to help companies screen those with whom
they are doing business in order to mitigate risks and avoid the financial implications
of those risks.
Farhad Bhyat
Social Media Risk Analyst, iFacts
Farhad is a passionate entrepreneur with deep seeded interest
in and knowledge of the modern Social Media landscape.
With many years’ experience as a lecturer and 17 years’ high-
level Business Development, sales and management experience,
Farhad is no stranger to the intricacies and complexities of communication and relationship
building. This, in turn, lead him down the path to establish FAROSIAN, South Africa’s first and
premier Social Media Assurance company.
Farhad has been asked on numerous occasions to speak at various events, most notably
for the SABPP while also being a regular contributor to HR Pulse relating to the role of social
media in HR and business from a risk perspective. Farhad’s insight and opinion is sought out
regularly by various publications such as Moneyweb, Cliff Central, IT News and HR Pulse.
Farhad has and is currently working with numerous blue chip organisations (both in South
Africa as well as in the United Kingdom and Australia), to improve the HR related social media
space through technology innovations which FAROSIAN provides, while also introducing
social media risk technology into the credit, insurance and financial services sectors.
Farhad has become one of the country’s foremost experts in the area of social media
risk mitigation and the use of social media to streamline and improve recruitment, with
organisations such as MiE, Lexis Nexis, AON, ADvTECH Resourcing, Cricket South Africa and
EOH all currently working with Farhad and FAROSIAN.
64Notes 65
CADA History
Credit & Decision Analytics Conference History
The Credit and Decision Analytics Conference (CADA) was established with the
purpose of promoting education and bringing back some fun to our industry. Our story
started in 2015 when we delivered an inspirational conference that set the tone for a
journey of learning. Each year we’ve built on this success and #2018CADA aims to be
bigger and better than before.
2015 Credit & Decision Analytics Conference
The 2015 Credit and Decision Analytics Conference was held at Sun City from 9-11
September 2015. Much like a ship navigating the high seas, the credit and finance
industry found itself motioned by the winds of change as 2015 proved to be a year in
which a number of significant events dictated the future of the South African credit
and data industry. Our theme, Navigation, guided us through the customer life cycle.
With our MC, Derek Watts, we navigated several topics presented by experts and
market leaders in credit referencing, marketing, scoring and modelling, data analytics,
consultancy and training services.
Motivational global business speaker and private equity CEO, Vusi Thembekwayo,
shared his unique sense of humour and empowered the audience you with new
knowledge to disseminate throughout their organisations.
2016 Credit & Decision Analytics Conference
The 2016 Credit and Decision Analytics Conference was held at Legend Golf & Safari
Resort from 7-9 September 2016. The conference presented an array of industry
experts and thought leaders from the credit, data, marketing and analytics industries.
With a theme that encouraged delegates to Explore, Seek and Discover, the conference
sought to unpack the customer life cycle and discover new ways to improve the way in
which companies engage and retain their most valuable customers. Business leader
and disruptor, Vusi Thembekwayo, engaged the audience as the facilitator and also
delivered an awe-inspiring key note on how to drive change.
Speakers at the conference included serial entrepreneur and Sorbet-founder, Ian Fuhr
as well as alternative data pioneer, Shane Moldenhauer from the Creditinfo Group.
MyBucks, Absa, Yellowwood, Payprop Capital and Real People were amongst those
who contributed to the conversations.
662017 Credit & Decision Analytics Conference
The Credit & Decision Analytics Conference of 2017 posed the bittersweet problem of
being overbooked, the implications of which almost had the hosts sleeping in tents
on the golf course. Held at the beautiful Arabella Hotel and Spa near to Hermanus,
#2017CADA hosted almost 200 delegates and speakers.
Our energetic tech expert and MC, Ryan Hogarth, lead the conference through 20
topics covering marketing, POPIA, FAS, data science, ‘the costs of crime and financial
fraud, SMMEs and financing, and the macro and micro economic trends in southern
Africa.
On the final day, award-winning financial journalist, Bruce Whitfield, presented a
journey through history showing the true upside of risk. His presentation centred
around politics, economics and money, and how they interlink.
Each year, our focus has always been on our delegates – bringing them the best
industry experts from which to learn and providing a forum through which to network
while having some fun with old and new acquaintances.
Thank you!
We sincerely thank our delegates and speakers for attending
and sharing their knowledge, expertise, and time with us.
We truly hope to see you back at CADA 2019.
67CADA
2018
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