NCR Registration and AI Collections: What SA Debt Collectors Need to Know
TL;DR Picture a factory floor where every machine runs at full speed, every shift, without a supervisor watching. Output is high. Errors compound invisibly. By the time an audit catches the problem, thousands of faulty units have already shipped. That is what AI collections looks like when compliance architecture is treated as a secondary concern. […]
NCA-Compliant AI Collections: A Practical Guide for South African Credit Providers
TL;DR Consider a traffic intersection that was recently upgraded with new signals, new turning restrictions, and new pedestrian priority rules. The cars using it are newer and faster than before. Some have advanced driver assistance systems. But the updated intersection rules apply to the assisted driver with exactly the same force as to the manual […]
TCF Outcome Measurement for Collections: How South African Banks Demonstrate Fair Treatment Under FSCA’s Six Outcomes Framework
TL;DR There is a well-known gap in how South African financial institutions handle the TCF framework. Every regulated bank and insurer has a TCF policy. Most have TCF training programmes. A significant number have TCF committees. What far fewer have is TCF outcome measurement for collections specifically: the operational data, the management information reports, and […]
NCA Affordability Assessment with AI: How South African Lenders Use Machine Learning for Compliant Credit Decisioning
TL;DR In March 2026, the Webber Wentzel case law tracker published an update on a judgment that clarified a credit provider’s obligations under Section 81 of the National Credit Act to assess whether a consumer can actually afford the credit being offered. The court’s finding was unambiguous. The affordability assessment is a substantive obligation, and […]
