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BLUE LABEL
INTEGRATED ANNUAL REPORT 2017
25
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Guinea, Lesotho, Mauritius,
Mozambique, Namibia, Swaziland,
Tanzania, Uganda, Zambia and
Zimbabwe, in addition to core
businesses in South Africa.
Technology and big data
The Group’s distribution capability is
underpinned by its sophisticated
proprietary technology platforms.
Technology is both our cornerstone
and competitive advantage. Its
robustness can be attributed to its
adaptability to ever-changing
demands, complemented by a
thorough deployment methodology.
It is product and hardware agnostic, a
neutral aggregator, capable of plug ’n
play, proven, scalable and does not
outsource its ongoing development.
The advanced level of our technology
platforms has enabled the introduction
of modern products and services, such
as prepaid electricity and water, and
the proprietary UniPIN, which is the
offline solution to an online problem.
Other capabilities include our online
wallet and sophisticated ticketing
engine.
The Group continues to accumulate
merchant and consumer transactional
big data mindful of its obligations in
terms of POPI and the CPA. Data
scientists aggregate, process and
analyse vast sets of information
gathered from across the Group and
our partners. Insights from these
records enable us to form a single,
content-rich profile per customer,
which in turn creates multiple cross-
selling and up-selling opportunities
throughout the Group. We are now
able to identify unique characteristics
and traits, which allow us to mine data
intelligently and more effectively,
thereby enabling us to focus on
specific market segments with unique
and differentiated products. This
targeted approach is especially relevant
in the main market segment, where
the typical consumer is unbanked or
badly banked and therefore does not
qualify for credit. Our sophisticated
technology enables us to build a thin
file or “cash” risk profile for each
consumer.
Marketing
Our marketing approach focuses on
delivering technology, products and
services, as required by merchants and
consumers. Extensive research, project
work, pilots, trials and perception
studies are utilised in identifying
opportunities in order to entrench our
distribution footprint in formal retail,
independent, petroleum forecourts,
corporate and rural areas.
Brett Levy
Mark Levy
Joint Chief Executive Officers
23 November 2017