Transaction Capital
Transaction Capital’s divisions operate in market segments perceived to be of higher risk, in which they apply specialised credit, risk, analytics and capital management competencies to achieve scale and leading positions. Transaction Capital focuses on augmenting and refining these distinctive competencies to facilitate deeper vertical integration in its chosen market segments and to enhance its divisions’ ability to leverage these competencies in new, adjacent markets, which serves to progressively enhance their customer value propositions and sustainable competitive advantage. Transaction Capital’s unique business model rests on excellent human capital and highly differentiated intellectual property and technology capabilities, driven by a strong entrepreneurial culture. Transaction Capital leverages these strengths to position its businesses to take advantage of opportunities arising from South Africa’s macro- and socio-economic context. This results in highly defensive businesses able to withstand difficult economic conditions, and translates into the creation of broader stakeholder value and societal relevance by fulfilling the specific finance needs of small- and medium-sized enterprises and other entities unable to access conventional credit and, through its risk services division, contributing to the effective functioning of the broader credit system. Transaction Capital’s strategy and business model continue to be refined in response to its operating context and as it manages its assets to realise the highest value for its stakeholders over time. This is evidenced by the performance and continued progress in enhancing the capabilities and market positioning of the two divisions over the year.
troy is a FinTech that offers Friendly Debt Collection as a Service, with "friendliness" being a synonym for data-driven, omnichannel, real-time customer experience (CX). CX in debt collection matters, because according to international surveys >50% of customers just forgot to pay, or have a short-term bottleneck. From the creditor's point of view, these customer relationships are worth preserving, especially if Customer Acquisition Costs and Customer Lifetime Value are taken into account (it is 400% more expensive to win new customers than to preserve existing ones). According to our market feedback, troy has evolved to being Europe's CX-leader in debt collection by combining cutting-edge technology with decades of debt collection experience and best practices of marketing & CRM. The unique "troy experience" makes customers pay more and faster compared to other debt collection agencies, proven in every benchmark even against Europe's incumbents since troy's launch (+25% to +80% debt recovery). And the customers even pay happily, as proven by troy's comprehensive customer survey (rating 4,1 of 5). troy focusses on debt collection services for corporate clients, but companies can also utilize the troy platform to improve digitization and customer experience in internal, upstream processes like commercial during.
WeBuyCars has built an exceptional reputation as the number one car-buying service in South Africa. Started by brothers Faan and Dirk van der Walt, the renowned WeBuyCars brand has expanded with services throughout South Africa, with warehouses in Silver Lakes, Midstream, Durban, Johannesburg South, Port Elizabeth and Cape Town. Part of our success is due to our focus to attract and retain employees who have the same values and principles – who don’t necessarily have the abilities and skills to begin with – but who are willing to learn; work hard, provide excellent customer service and who see themselves walking a long road ahead with WeBuyCars. We also like to grow our employees in the areas we know they will excel in and are currently studying through our bursary programme - and we are happy to reap the rewards from a happy and remarkable workforce. Our workforce currently entails almost 200 sales executives based across the country in our eight branches; and 150 buyers nationwide. With our new branches scheduled to open in the next few years, we are set to continue our exponential growth.
WeBuyCars has built an exceptional reputation as the number one car-buying service in South Africa. Started by brothers Faan and Dirk van der Walt, the renowned WeBuyCars brand has expanded with services throughout South Africa, with warehouses in Silver Lakes, Midstream, Durban, Johannesburg South, Port Elizabeth and Cape Town. Part of our success is due to our focus to attract and retain employees who have the same values and principles – who don’t necessarily have the abilities and skills to begin with – but who are willing to learn; work hard, provide excellent customer service and who see themselves walking a long road ahead with WeBuyCars. We also like to grow our employees in the areas we know they will excel in and are currently studying through our bursary programme - and we are happy to reap the rewards from a happy and remarkable workforce. Our workforce currently entails almost 200 sales executives based across the country in our eight branches; and 150 buyers nationwide. With our new branches scheduled to open in the next few years, we are set to continue our exponential growth.
RoadCover is a service offering that manages your claim with the Road Accident Fund (RAF) from start to finish!
The Beancounter is an accounting firm based in Johannesburg & Pretoria, which provides outsourced monthly accounting services.
Recoveries Corp is a contact centre specialising in debt recovery solutions and insurance claims recovery services.
Paycorp (www.paycorp.co.za) provides and operates a range of payment solutions including ATMs, card issuing, and acceptance technology. ATM Solutions owns and operates a network of over 5,000 ATMs across Southern Africa, Tutuka (www.tutuka.com) specializes in building and running prepaid card systems, Kazang (www.kazang.com) is one of Africa’s leading micro-payment processing services and EFTPOS provides merchant debit and credit card acceptance solutions as well as ZipZap mobile point-of-sale (www.zipzap.co.za). The company was founded in 1999 by South African Steven Kark, with its first ATM deployed in March 2000. Steven’s approach to delivering payments solutions has always been driven by an entrepreneurial spirit and an ongoing culture of innovation. Providing financial inclusion is a key strategic focus for Paycorp, who believes in providing better access to banking services for the under-banked. Paycorp prides itself on its corporate governance. The company was one of the first local businesses in the financial services sector to achieve PCI compliance, the industry-mandated security standard that applies to all businesses that store, process or transmit credit, and/or debit card data. Paycorp has long-term relationships with many of the banks and card associations in the countries in which it operates. Paycorp also enjoys representation and collaborative engagement with all regulatory bodies. Today, Paycorp operates in 16 countries across sub-Saharan Africa and South East Asia with a fledgling business in Eastern Europe and has deployed over 5 000 ATMs, 22 000 terminals, and 500+ card programs.
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