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		<description>Bank on it is a bold, fresh and accessible podcast that brings finance down to earth. In a world where financial expertise can often feel complex and exclusive, 3 powerhouses, Capitec, Koshiek Karan of Banker X and Business Day, have come together with one shared mission: to simplify money, decode finance and make it accessible to everyone.</description>
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				<itunes:subtitle>Bank on it is a bold, fresh and accessible podcast that brings finance down to earth.</itunes:subtitle>
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		<title>Turning transactions into trust</title>
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		<description><![CDATA[Capitec is using retail innovation and diversification to deliver real client benefits, drive financial inclusion and future-proof itself.<br />
<br />
In this episode, Karan sits down with Basani Maluleke, Personal Banking executive at Capitec, to explore how the bank is systematically dismantling its biggest operational challenge — branch queues — by turning supermarket till points into banking hubs and using data as a roadmap for financial inclusion. ]]></description>
					<category>Business</category>
				<pubDate>Wed, 18 Mar 2026 14:13:00 +0200</pubDate>
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						<itunes:title>Turning transactions into trust</itunes:title>
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		<itunes:summary><![CDATA[Capitec is using retail innovation and diversification to deliver real client benefits, drive financial inclusion and future-proof itself.

In this episode, Karan sits down with Basani Maluleke, Personal Banking executive at Capitec, to explore how the bank is systematically dismantling its biggest operational challenge — branch queues — by turning supermarket till points into banking hubs and using data as a roadmap for financial inclusion.]]></itunes:summary>
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		<title>The money mistakes costing people millions</title>
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		<description><![CDATA[The world of personal finance is often shrouded in complex jargon and overwhelming choices. Yet, one South African brand has managed to cut through the noise, making financial well-being more accessible.<br />
<br />
In the latest episode of the popular video and podcast series Bank on it, renowned financial education influencer Koshiek Karan sits down with independent certified financial planner Johann Peens (JP) to discuss how to build long-term financial security. Peens is a board member of the Financial Planning Institute of South Africa and has 20 years’ experience in personal financial advisory. ]]></description>
					<category>Business</category>
				<pubDate>Mon, 09 Feb 2026 15:37:00 +0200</pubDate>
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						<itunes:title>The money mistakes costing people millions</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>TimesLIVE Podcasts</itunes:author>
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		<itunes:duration>37:03</itunes:duration>
		<itunes:summary><![CDATA[The world of personal finance is often shrouded in complex jargon and overwhelming choices. Yet, one South African brand has managed to cut through the noise, making financial well-being more accessible.

In the latest episode of the popular video and podcast series Bank on it, renowned financial education influencer Koshiek Karan sits down with independent certified financial planner Johann Peens (JP) to discuss how to build long-term financial security. Peens is a board member of the Financial Planning Institute of South Africa and has 20 years’ experience in personal financial advisory.]]></itunes:summary>
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		<title>Insight to action: How data drives Capitec’s client experience</title>
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		<description><![CDATA[Capitec's remarkable expansion isn't solely rooted in market disruption; it stems from a powerful diagnostic tool that translates millions of raw client interactions into precise, practical knowledge. <br />
<br />
In the latest episode of the popular video and podcast series Bank on it, Blessing Mgaga, the executive head of Client Experience Delivery, and Navashnee Moodley, the head of Client Experience, delve into the bank’s meticulously integrated listening ecosystem. This infrastructure enables Capitec to anticipate client needs, conduct daily product improvements and cultivate a robust wave of client support and advocacy. ]]></description>
					<category>Business</category>
				<pubDate>Tue, 27 Jan 2026 12:12:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Insight to action: How data drives Capitec’s client experience</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>TimesLIVE Podcasts</itunes:author>
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		<itunes:duration>21:03</itunes:duration>
		<itunes:summary><![CDATA[Capitec's remarkable expansion isn't solely rooted in market disruption; it stems from a powerful diagnostic tool that translates millions of raw client interactions into precise, practical knowledge. 

In the latest episode of the popular video and podcast series Bank on it, Blessing Mgaga, the executive head of Client Experience Delivery, and Navashnee Moodley, the head of Client Experience, delve into the bank’s meticulously integrated listening ecosystem. This infrastructure enables Capitec to anticipate client needs, conduct daily product improvements and cultivate a robust wave of client support and advocacy.]]></itunes:summary>
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		<title>Rethinking rewards for 24 million South Africans</title>
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		<description><![CDATA[The secret to running one of the largest financial services rewards programmes isn't complex tiers or hidden fine print - it's simplicity and transparency. In the latest episode of Bank on it, Kelly Goldsworthy, Head: Live Better at Capitec reveals that Capitec is actively disrupting the industry’s typical cost-driven complexity by making tangible, real-world value accessible to all 24 million of the bank’s clients. ]]></description>
					<category>Business</category>
				<pubDate>Tue, 25 Nov 2025 11:11:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Rethinking rewards for 24 million South Africans</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>TimesLIVE Podcasts</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>10:47</itunes:duration>
		<itunes:summary><![CDATA[The secret to running one of the largest financial services rewards programmes isn't complex tiers or hidden fine print - it's simplicity and transparency. In the latest episode of Bank on it, Kelly Goldsworthy, Head: Live Better at Capitec reveals that Capitec is actively disrupting the industry’s typical cost-driven complexity by making tangible, real-world value accessible to all 24 million of the bank’s clients.]]></itunes:summary>
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		<title>Turning data into defence against fraud</title>
		<link>https://iono.fm/e/1619593</link>
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		<description><![CDATA[The future of financial security is being decided right now, not just by firewalls, but by advanced data structures that map criminal networks. In the latest episode of Bank on it, Nick Harris, head of Financial Crime, Risk Management at Capitec, revealed the bank’s pioneering adoption of graph databases - a technology the bank affectionately call the "spider web" - to pre-emptively stop sophisticated fraud rings and protect consumers before they even become victims. ]]></description>
					<category>Business</category>
				<pubDate>Tue, 18 Nov 2025 19:18:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Turning data into defence against fraud</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>TimesLIVE Podcasts</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>25:00</itunes:duration>
		<itunes:summary><![CDATA[The future of financial security is being decided right now, not just by firewalls, but by advanced data structures that map criminal networks. In the latest episode of Bank on it, Nick Harris, head of Financial Crime, Risk Management at Capitec, revealed the bank’s pioneering adoption of graph databases - a technology the bank affectionately call the "spider web" - to pre-emptively stop sophisticated fraud rings and protect consumers before they even become victims.]]></itunes:summary>
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		<title>Banking on the next generation</title>
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		<description><![CDATA[This episode of Bank on it offers valuable advice for graduates entering the workplace including practical, battlefield advice on navigating the intense early years of a career in banking, including learning how to transform pressure into performance. Companies, on the other hand, will gain insight into the success mindset cultivated within Capitec's high-potential talent pool, proving that a culture of psychological safety around failure is key to developing high performing talent. ]]></description>
					<category>Business</category>
				<pubDate>Tue, 18 Nov 2025 19:07:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Banking on the next generation</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>TimesLIVE Podcasts</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p372/logo_1619584_20251119_115933_1400.jpeg"/>
		<itunes:duration>22:21</itunes:duration>
		<itunes:summary><![CDATA[This episode of Bank on it offers valuable advice for graduates entering the workplace including practical, battlefield advice on navigating the intense early years of a career in banking, including learning how to transform pressure into performance. Companies, on the other hand, will gain insight into the success mindset cultivated within Capitec's high-potential talent pool, proving that a culture of psychological safety around failure is key to developing high performing talent.]]></itunes:summary>
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		<title>How branches grow with their communities</title>
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		<description><![CDATA[Capitec’s success isn't built on complex algorithms or complicated banking jargon, but on a genuine commitment to human connection and a deep understanding of its clients' realities. This episode of Bank on it offers invaluable, insider knowledge for every business leader and marketer who recognises that the human element is the ultimate competitive advantage in a digital world. ]]></description>
					<category>Business</category>
				<pubDate>Thu, 16 Oct 2025 11:05:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>How branches grow with their communities</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>TimesLIVE Podcasts</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p372/logo_1608228_20251016_110953_1400.jpeg"/>
		<itunes:duration>24:01</itunes:duration>
		<itunes:summary><![CDATA[Capitec’s success isn't built on complex algorithms or complicated banking jargon, but on a genuine commitment to human connection and a deep understanding of its clients' realities. This episode of Bank on it offers invaluable, insider knowledge for every business leader and marketer who recognises that the human element is the ultimate competitive advantage in a digital world.]]></itunes:summary>
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		<title>Beat financial fraud: think twice before you click, pay or share</title>
		<link>https://iono.fm/e/1601857</link>
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		<description><![CDATA[In the fourth episode of ‘Bank on it’ host Koshiek Karan discusses the evolution of financial fraud in SA — and how you can protect yourself — with Capitec’s Iain Orpen, head of fraud prevention and detection at Capitec. ]]></description>
					<category>Business</category>
				<pubDate>Mon, 29 Sep 2025 13:19:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Beat financial fraud: think twice before you click, pay or share</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>TimesLIVE Podcasts</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p372/logo_1601857_20250929_132110_1400.jpeg"/>
		<itunes:duration>30:59</itunes:duration>
		<itunes:summary><![CDATA[In the fourth episode of ‘Bank on it’ host Koshiek Karan discusses the evolution of financial fraud in SA — and how you can protect yourself — with Capitec’s Iain Orpen, head of fraud prevention and detection at Capitec.]]></itunes:summary>
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		<title>Inside the app that millions bank on</title>
		<link>https://iono.fm/e/1597865</link>
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		<description><![CDATA[How do you create a digital product that serves nearly 25 million people while remaining simple, personalised and efficient? This is the challenge faced by the teams at Capitec, as discussed in the latest episode of Bank on it during an insightful interview with Andy Baker, executive head of Technology and Ravi Govender, head of Product Technology Services. ]]></description>
					<category>Business</category>
				<pubDate>Tue, 16 Sep 2025 14:42:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Inside the app that millions bank on</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>TimesLIVE Podcasts</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>9:58</itunes:duration>
		<itunes:summary><![CDATA[How do you create a digital product that serves nearly 25 million people while remaining simple, personalised and efficient? This is the challenge faced by the teams at Capitec, as discussed in the latest episode of Bank on it during an insightful interview with Andy Baker, executive head of Technology and Ravi Govender, head of Product Technology Services.]]></itunes:summary>
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		<title>Welo Health: Using tech to simplify healthcare for all</title>
		<link>https://iono.fm/e/1591841</link>
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		<description><![CDATA[In the second episode of Bank on it powered by Capitec, Koshiek Karan sits down with Welo Health co-founder and CEO Zanele Matome to deliver a masterclass in entrepreneurial resilience. <br />
What if the secret to building a successful startup isn’t about speed, but about patience? In an exclusive, exciting conversation, Zanele Matome, the co-founder and CEO of Welo Health, shares how she got her startup off the ground by ignoring conventional wisdom and focusing on the long game. This isn't just Matome’s story but also a blueprint for founders who want to build a sustainable business. ]]></description>
					<category>Business</category>
				<pubDate>Fri, 29 Aug 2025 09:08:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Welo Health: Using tech to simplify healthcare for all</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>TimesLIVE Podcasts</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>31:23</itunes:duration>
		<itunes:summary><![CDATA[In the second episode of Bank on it powered by Capitec, Koshiek Karan sits down with Welo Health co-founder and CEO Zanele Matome to deliver a masterclass in entrepreneurial resilience. 
What if the secret to building a successful startup isn’t about speed, but about patience? In an exclusive, exciting conversation, Zanele Matome, the co-founder and CEO of Welo Health, shares how she got her startup off the ground by ignoring conventional wisdom and focusing on the long game. This isn't just Matome’s story but also a blueprint for founders who want to build a sustainable business.]]></itunes:summary>
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		<title>Why millions trust Capitec to keep it simple</title>
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		<description><![CDATA[In the first episode of Bank On It, Koshiek Karan speaks to two senior, long-standing Capitec executives: Asha Patel, head of brand and communications, and Francois Viviers, executive of marketing and communication. Together, they unpack why millions trust Capitec to keep it simple ]]></description>
					<category>Business</category>
				<pubDate>Fri, 29 Aug 2025 08:21:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Why millions trust Capitec to keep it simple</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>TimesLIVE Podcasts</itunes:author>
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		<itunes:duration>9:46</itunes:duration>
		<itunes:summary><![CDATA[In the first episode of Bank On It, Koshiek Karan speaks to two senior, long-standing Capitec executives: Asha Patel, head of brand and communications, and Francois Viviers, executive of marketing and communication. Together, they unpack why millions trust Capitec to keep it simple]]></itunes:summary>
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