By offering personalised experiences and innovative solutions, fintechs can navigate the evolving tech and business landscape, transforming the way money is stored, used, and moved in South Africa. Amid challenging economic headwinds, South African fintechs have the potential to excel by prioritising customer-centric approaches and strategic partnerships, while embracing digitisation and regulatory changes. Andy Jury, CEO of Mukuru shares insights into the fintech trends for 2024, while looking at where we are now.