ContextMatters

InstaPay, South Africa’s next-generation integrated merchant and consumer payments platform, has launched InstaPay Gini, a secure, mobile-first wallet that gives South Africans a smarter way to save and spend – with no monthly fees and interest rates of up to 6%, designed to beat inflation. “InstaPay is the result of combined expertise and technology between Omnea and Amber Pay,” said Deon Tromp, CEO of Omnea. “Enabled by Omnea’s API Integration Hub, a leading fintech enablement platform in Africa and developed by global payment software specialist Amber Pay, InstaPay is built on a foundation of reliability and innovation. With Gini, we’re proving that financial inclusion and cutting-edge technology can come together to deliver real value for everyday South Africans.” With over 600,000 consumers already activated on the platform, InstaPay Gini is quickly becoming a preferred choice for those seeking greater control, better returns, and an easier way to manage their everyday finances. Whether to earn fair interest, access cashback rewards, or buy essentials like airtime and electricity, Gini is reshaping how South Africans engage with financial services. “InstaPay Gini isn’t here to replace banks – it’s here to complement them,” comments Ekaterina Savadia, CEO of Amber Pay. “We offer a modern, inclusive alternative where users earn more on their savings and get rewarded for everyday spending, all with zero account fees.” A new era of fairer, simpler financial access InstaPay Gini is part of a broader InstaPay ecosystem that connects consumers and merchants through fast, secure digital payments. Unlike traditional bank accounts, Gini was built from the ground up to be accessible to everyone – whether fully banked, underbanked, or financially excluded. The name “Gini” was chosen deliberately, inspired by the Gini coefficient, a global measure of inequality. InstaPay Gini embodies the commitment to create fairer access to wealth and opportunity in …

Traditional ICT solutions are up against the ceiling for public sector institutions. Rigid infrastructure, isolated data silos and high maintenance costs create diminishing returns and stifle innovation. As Gartner has pointed out regularly, legacy systems act as barriers to business agility and digital transformation, often inhibiting how companies can meet the new requirements such as scalability and adaptability. These legacy systems are designed to process transactions, not generate insights, and they consume budgets and data without delivering strategic value. There is a growing need for many institutions to move beyond the collection and storage of data towards agile intelligence that delivers value without headaches or security risks. The other challenge is that many institutions are thirsty for insights but their systems aren’t capable of extracting the true value from their data. These institutions need solutions that allows them to dig deeper into their data and make it speak clearly. And this requires going beyond conventional approaches to data intelligence. Instead of simply following a predictable pattern, extracting data from source systems, transforming it in a centralised warehouse and then attempting to apply intelligence, Intelo focuses on intelligent solutions that meet data where it lives, adapting to its structure and delivering insights in real time. Intelo wholly owned subsidiary of the ITNA group, has built a foundation on rock-solid ICT services provided to more than 80 municipalities across South Africa, handling everything from critical infrastructure to disaster recovery, and the lessons learned have allowed the company to build something uniquely relevant for the financial services sector and many other enterprise markets. Now as Intelo expands into new industries, we understand that the conventional route to data orchestration creates multiple problems that include security vulnerabilities during transfer, duplication that …