Why Capitec keeps winning. Plus: The Courier Guy's locker revolution

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In this episode, Capitec CEO Graham Lee joins Bruce to unpack another extraordinary set of results from South Africa’s most disruptive bank. With 16.5 million digital clients, a cost to income ratio that has dropped to just 36 cents in the rand and business banking growing at over 50%, Capitec continues to defy every sceptic. Lee explains why the branch network is not a cost but a competitive advantage, what fully banked really means and why he is more heavily weighting negative economic…