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		<title>No Free Lunch</title>
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		<description>There's no free lunch in business. 
Join Greg Stewart, Editor of Business Tech Africa, for unfiltered chats with entrepreneurs, tech innovators, and business leaders across the African continent.
Greg explores the raw truth behind the success stories: the wins, the losses, the pivots, and the failures that taught valuable lessons. No rehearsed pitches, just real insights from founders, executives, and change-makers across all sectors speaking about what it takes to succeed in business.</description>
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		<pubDate>Thu, 25 Sep 2025 15:28:35 +0200</pubDate>
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				<itunes:subtitle>There's no free lunch in business.</itunes:subtitle>
		<itunes:author>Greg Stewart</itunes:author>
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		<itunes:summary><![CDATA[There's no free lunch in business. 
Join Greg Stewart, Editor of Business Tech Africa, for unfiltered chats with entrepreneurs, tech innovators, and business leaders across the African continent.
Greg explores the raw truth behind the success stories: the wins, the losses, the pivots, and the failures that taught valuable lessons. No rehearsed pitches, just real insights from founders, executives, and change-makers across all sectors speaking about what it takes to succeed in business.]]></itunes:summary>
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		<title>No Free Lunch - M-Kopa - Micro Loans and Micro Business building economies</title>
		<link>https://iono.fm/e/1675009</link>
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		<description><![CDATA[This episode of “No Free Lunch” features a conversation between host Greg Stewart and Cameron Kyle Perumal, the Commercial Strategy & Ops Leader and General Manager of M-KOPA South Africa. The discussion centres on the growth of micro-lending and micro-business opportunities in South Africa, focusing on financial inclusion and the impact of M-KOPA’s initiatives.<br />
<br />
Cameron shared his personal connection to the topic, having grown up in Durban where his father’s informal income made traditional credit inaccessible. This experience shaped his drive to serve everyday earners. M-KOPA’s approach in South Africa is to provide responsible lending practices that can change the trajectory of families by unlocking potential through access to credit. ]]></description>
					<category>Business</category>
				<pubDate>Tue, 12 May 2026 14:10:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>No Free Lunch - M-Kopa - Micro Loans and Micro Business building economies</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Greg Stewart</itunes:author>
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		<itunes:duration>22:38</itunes:duration>
		<itunes:summary><![CDATA[This episode of “No Free Lunch” features a conversation between host Greg Stewart and Cameron Kyle Perumal, the Commercial Strategy & Ops Leader and General Manager of M-KOPA South Africa. The discussion centres on the growth of micro-lending and micro-business opportunities in South Africa, focusing on financial inclusion and the impact of M-KOPA’s initiatives.

Cameron shared his personal connection to the topic, having grown up in Durban where his father’s informal income made traditional credit inaccessible. This experience shaped his drive to serve everyday earners. M-KOPA’s approach in South Africa is to provide responsible lending practices that can change the trajectory of families by unlocking potential through access to credit.]]></itunes:summary>
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		<title>Budget Speech Response and Future outlook on SA's Economy with Harry Scherzer from Future Forex</title>
		<link>https://iono.fm/e/1655081</link>
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		<description><![CDATA[South Africa Budget 2026: What It Means for the Economy, Business, and Your Wallet<br />
<br />
Are you wondering whether the latest South African budget is a step forward or just another routine update? This episode provides a really an important perspective and gives a view on the possible scenarios that could play out in the South African economy.<br />
<br />
With significant changes and cautious optimism, many are asking: Does this budget help the everyday taxpayer, boost economic growth, or simply keep the status quo? Harry Scherzer, CEO of Future Forex helps to unpack the key insights from the 2026 budget – what it means for investors, small business owners, and ordinary South Africans, and explore what consistent stability really looks like in today’s complex economic landscape.<br />
<br />
The discussion will guide you through the main takeaways from the 2026 Budget, including the fiscal adjustments, currency stability, debt challenges, and how they all connect to your finances. Whether you’re an investor, entrepreneur, or individual saver, understanding these shifts can help you make smarter decisions today. ]]></description>
					<category>Business</category>
				<pubDate>Thu, 12 Mar 2026 18:37:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Budget Speech Response and Future outlook on SA's Economy with Harry Scherzer from Future Forex</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Greg Stewart</itunes:author>
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		<itunes:duration>21:17</itunes:duration>
		<itunes:summary><![CDATA[South Africa Budget 2026: What It Means for the Economy, Business, and Your Wallet

Are you wondering whether the latest South African budget is a step forward or just another routine update? This episode provides a really an important perspective and gives a view on the possible scenarios that could play out in the South African economy.

With significant changes and cautious optimism, many are asking: Does this budget help the everyday taxpayer, boost economic growth, or simply keep the status quo? Harry Scherzer, CEO of Future Forex helps to unpack the key insights from the 2026 budget – what it means for investors, small business owners, and ordinary South Africans, and explore what consistent stability really looks like in today’s complex economic landscape.

The discussion will guide you through the main takeaways from the 2026 Budget, including the fiscal adjustments, currency stability, debt challenges, and how they all connect to your finances. Whether you’re an investor, entrepreneur, or individual saver, understanding these shifts can help you make smarter decisions today.]]></itunes:summary>
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		<title>Unpacking The Bond Market in 2026</title>
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		<description><![CDATA[In this episode of No Free Lunch, host Greg Stewart engages with Conway Williams, head of credit at Prescient Investment Management, to explore the intricacies of the bond market. They discuss the fundamental nature of bonds, the current dynamics affecting credit pricing, and the role of asset management in navigating these challenges. The conversation also delves into the impact of state-owned enterprises on market liquidity and the implications of global trends on local bond markets. Throughout the discussion, the importance of understanding risk and making informed investment decisions is emphasised. ]]></description>
					<category>Business</category>
				<pubDate>Fri, 06 Feb 2026 14:33:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Unpacking The Bond Market in 2026</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Greg Stewart</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>21:26</itunes:duration>
		<itunes:summary><![CDATA[In this episode of No Free Lunch, host Greg Stewart engages with Conway Williams, head of credit at Prescient Investment Management, to explore the intricacies of the bond market. They discuss the fundamental nature of bonds, the current dynamics affecting credit pricing, and the role of asset management in navigating these challenges. The conversation also delves into the impact of state-owned enterprises on market liquidity and the implications of global trends on local bond markets. Throughout the discussion, the importance of understanding risk and making informed investment decisions is emphasised.]]></itunes:summary>
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		<title>What Is CRM - CRM Strategy and Adoption</title>
		<link>https://iono.fm/e/1638718</link>
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		<description><![CDATA[In this episode of No Free Lunch, host Greg Stewart engages with Dean Stainthorpe, Sales Director at Base Cloud. The conversation explores the intricacies and advantages of modern Customer Relationship Management (CRM) systems. The discussion takes a look at the evolving landscape of CRM, particularly in the South African market, and how businesses often misunderstand its purpose and capabilities.<br />
<br />
Dean emphasises that CRM is not just a software tool but a comprehensive strategy that integrates various communication channels to enhance customer relationships and streamline sales processes to improve revenue and client conversion rates. He highlights the importance of automation in CRM systems, which can significantly improve efficiency and lead conversion rates by ensuring timely follow-ups and personalised communication with clients. ]]></description>
					<category>Business</category>
				<pubDate>Mon, 26 Jan 2026 09:39:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>What Is CRM - CRM Strategy and Adoption</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Greg Stewart</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>20:23</itunes:duration>
		<itunes:summary><![CDATA[In this episode of No Free Lunch, host Greg Stewart engages with Dean Stainthorpe, Sales Director at Base Cloud. The conversation explores the intricacies and advantages of modern Customer Relationship Management (CRM) systems. The discussion takes a look at the evolving landscape of CRM, particularly in the South African market, and how businesses often misunderstand its purpose and capabilities.

Dean emphasises that CRM is not just a software tool but a comprehensive strategy that integrates various communication channels to enhance customer relationships and streamline sales processes to improve revenue and client conversion rates. He highlights the importance of automation in CRM systems, which can significantly improve efficiency and lead conversion rates by ensuring timely follow-ups and personalised communication with clients.]]></itunes:summary>
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		<title>The Intra-African Trade Dream</title>
		<link>https://iono.fm/e/1627783</link>
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		<description><![CDATA[In probably one of the most important discussions I have had on No Free Lunch, I spoke with The Adam Molai The Chairmen and co-founder of Africa Trade Engine about where the opportunities for growing intra-African trade and industrialisation opportunities lie.<br />
<br />
The interview delves into the intricacies of intra-African trade and the potential for economic transformation through industrialisation and value addition. Adam Molai, a prominent entrepreneur, shares insights from his experiences in the African trade sector, emphasizing the importance of beneficiation and local manufacturing to enhance economic growth and create employment opportunities. ]]></description>
					<category>Business</category>
				<pubDate>Thu, 11 Dec 2025 10:45:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>The Intra-African Trade Dream</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Greg Stewart</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4185/logo_4185_20251026_213352_1400.jpeg"/>
		<itunes:duration>16:37</itunes:duration>
		<itunes:summary><![CDATA[In probably one of the most important discussions I have had on No Free Lunch, I spoke with The Adam Molai The Chairmen and co-founder of Africa Trade Engine about where the opportunities for growing intra-African trade and industrialisation opportunities lie.

The interview delves into the intricacies of intra-African trade and the potential for economic transformation through industrialisation and value addition. Adam Molai, a prominent entrepreneur, shares insights from his experiences in the African trade sector, emphasizing the importance of beneficiation and local manufacturing to enhance economic growth and create employment opportunities.]]></itunes:summary>
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		<title>AZOZA - They Will Come - A Business Success Story from Africa</title>
		<link>https://iono.fm/e/1627779</link>
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		<description><![CDATA[In this episode of “No Free Lunch,” host Greg Stewart delves into the inspiring journey of Azoza, a South African company that emerged from a management buyout of Europe Assist. The discussion features Lynette Mutsekwa and Nelson Soares, the driving forces behind Azoza, who share their experiences and challenges in transforming the company into a thriving local brand. The story begins with Europe Assist’s strategic decision to exit the African market, prompting Lynette and Nelson to take bold steps to preserve jobs and maintain the company’s valuable services. ]]></description>
					<category>Business</category>
				<pubDate>Thu, 11 Dec 2025 10:35:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>AZOZA - They Will Come - A Business Success Story from Africa</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Greg Stewart</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4185/logo_4185_20251026_213352_1400.jpeg"/>
		<itunes:duration>19:58</itunes:duration>
		<itunes:summary><![CDATA[In this episode of “No Free Lunch,” host Greg Stewart delves into the inspiring journey of Azoza, a South African company that emerged from a management buyout of Europe Assist. The discussion features Lynette Mutsekwa and Nelson Soares, the driving forces behind Azoza, who share their experiences and challenges in transforming the company into a thriving local brand. The story begins with Europe Assist’s strategic decision to exit the African market, prompting Lynette and Nelson to take bold steps to preserve jobs and maintain the company’s valuable services.]]></itunes:summary>
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		<title>Kazang - R60 Billion Tavern Industry in South Africa</title>
		<link>https://iono.fm/e/1611361</link>
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		<description><![CDATA[In this episode of “No Free Lunch,” host Greg Stewart sits down with Jonathan Thomson, the Executive Head of Commercial at Kazang, a leading FinTech company in South Africa. The discussion delves into the informal economy, particularly the Tavern industry, which is a significant part of South Africa’s economy, estimated to be worth around a trillion rand. Jonathan shares insights into the challenges and opportunities within this sector, emphasizing the massive cash flow and the need for technological solutions to streamline transactions. ]]></description>
					<category>Business</category>
				<pubDate>Sun, 26 Oct 2025 21:37:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Kazang - R60 Billion Tavern Industry in South Africa</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Greg Stewart</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4185/logo_4185_20251026_213352_1400.jpeg"/>
		<itunes:duration>13:30</itunes:duration>
		<itunes:summary><![CDATA[In this episode of “No Free Lunch,” host Greg Stewart sits down with Jonathan Thomson, the Executive Head of Commercial at Kazang, a leading FinTech company in South Africa. The discussion delves into the informal economy, particularly the Tavern industry, which is a significant part of South Africa’s economy, estimated to be worth around a trillion rand. Jonathan shares insights into the challenges and opportunities within this sector, emphasizing the massive cash flow and the need for technological solutions to streamline transactions.]]></itunes:summary>
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		<title>The School of Entrepreneurship - with Dr Rea</title>
		<link>https://iono.fm/e/1600875</link>
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		<description><![CDATA[Interview with Dr Rea from Regenesys School of Entrepreneurship ]]></description>
					<category>Business</category>
				<pubDate>Thu, 25 Sep 2025 15:29:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>The School of Entrepreneurship - with Dr Rea</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Greg Stewart</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>23:19</itunes:duration>
		<itunes:summary><![CDATA[Interview with Dr Rea from Regenesys School of Entrepreneurship]]></itunes:summary>
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