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		<title>Inside Your Pocket</title>
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		<description>The cost of living keeps rising even if your bank balance doesn’t. Gugu tackles various personal finance matters with suitable experts to help you navigate your day-to-day finances.</description>
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		<pubDate>Fri, 23 Jan 2026 16:05:14 +0200</pubDate>
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				<itunes:subtitle>The cost of living keeps rising even if your bank balance doesn’t.</itunes:subtitle>
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		<itunes:summary><![CDATA[The cost of living keeps rising even if your bank balance doesn’t. Gugu tackles various personal finance matters with suitable experts to help you navigate your day-to-day finances.]]></itunes:summary>
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		<title>What You Must Know Before You Borrow</title>
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		<description><![CDATA[With more South Africans relying on credit to get by, FinChoice’s Richard Eberlein breaks down the essentials: how to assess affordability, why credit scores matter, the hidden costs borrowers overlook, why loan balances barely move, and how to avoid digital lending scams. A practical guide to borrowing smart in a high‑pressure economy ]]></description>
					<category>Business</category>
				<pubDate>Fri, 12 Jun 2026 12:39:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>What You Must Know Before You Borrow</itunes:title>
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		<itunes:summary><![CDATA[With more South Africans relying on credit to get by, FinChoice’s Richard Eberlein breaks down the essentials: how to assess affordability, why credit scores matter, the hidden costs borrowers overlook, why loan balances barely move, and how to avoid digital lending scams. A practical guide to borrowing smart in a high‑pressure economy]]></itunes:summary>
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		<title>Cash, Fintech or Banks? The Real Battle for SA’s Informal Trader</title>
		<link>https://iono.fm/e/1683104</link>
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		<description><![CDATA[South Africa’s informal economy turns over R190 billion a year — and fintechs are rapidly gaining ground. Ged Nooy, General Manager: Field Force, Provantage reveals insights from 8,785 informal outlets, showing why cash still dominates, why fintech devices are winning daily transactions, and what banks still misunderstand about township traders. ]]></description>
					<category>Business</category>
				<pubDate>Fri, 05 Jun 2026 11:46:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Cash, Fintech or Banks? The Real Battle for SA’s Informal Trader</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
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		<itunes:summary><![CDATA[South Africa’s informal economy turns over R190 billion a year — and fintechs are rapidly gaining ground. Ged Nooy, General Manager: Field Force, Provantage reveals insights from 8,785 informal outlets, showing why cash still dominates, why fintech devices are winning daily transactions, and what banks still misunderstand about township traders.]]></itunes:summary>
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		<title>Cash, Fintech or Banks? The Real Battle for SA’s Informal Trader</title>
		<link>https://iono.fm/e/1683105</link>
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		<description><![CDATA[South Africa’s informal economy turns over R190 billion a year — and fintechs are rapidly gaining ground. Ged Nooy, General Manager: Field Force, Provantage reveals insights from 8,785 informal outlets, showing why cash still dominates, why fintech devices are winning daily transactions, and what banks still misunderstand about township traders. ]]></description>
					<category>Business</category>
				<pubDate>Fri, 05 Jun 2026 11:46:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Cash, Fintech or Banks? The Real Battle for SA’s Informal Trader</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>15:16</itunes:duration>
		<itunes:summary><![CDATA[South Africa’s informal economy turns over R190 billion a year — and fintechs are rapidly gaining ground. Ged Nooy, General Manager: Field Force, Provantage reveals insights from 8,785 informal outlets, showing why cash still dominates, why fintech devices are winning daily transactions, and what banks still misunderstand about township traders.]]></itunes:summary>
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		<title>How the Rate Hike Hits Your Wallet</title>
		<link>https://iono.fm/e/1680879</link>
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		<description><![CDATA[With the repo rate now at 7% and prime at 10.5%, South Africans are bracing for higher repayments on home loans, car finance, credit cards and store accounts. NDCA Chairperson René Moonsamy explains how the rate hike filters into monthly budgets, why arrears are rising, and which income groups are under the most pressure. A practical, plain‑language guide to navigating a higher‑for‑longer interest‑rate environment. ]]></description>
					<category>Business</category>
				<pubDate>Fri, 29 May 2026 12:13:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>How the Rate Hike Hits Your Wallet</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
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		<itunes:duration>13:37</itunes:duration>
		<itunes:summary><![CDATA[With the repo rate now at 7% and prime at 10.5%, South Africans are bracing for higher repayments on home loans, car finance, credit cards and store accounts. NDCA Chairperson René Moonsamy explains how the rate hike filters into monthly budgets, why arrears are rising, and which income groups are under the most pressure. A practical, plain‑language guide to navigating a higher‑for‑longer interest‑rate environment.]]></itunes:summary>
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		<title>Inside Your Pocket — SA Bank Fraud Attempts Surge</title>
		<link>https://iono.fm/e/1678442</link>
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		<description><![CDATA[A new BioCatch report reveals that South Africa is facing one of the world’s fastest‑rising fraud landscapes, with 75% of banks reporting increased attacks and 81% losing more than $5 million annually. Alex Robinson, Director of Global Advisory at BioCatch, joins Kaya Biz to unpack the rise of social engineering, AI‑driven scams, SIM swaps, and what consumers must do to protect themselves in real time. ]]></description>
					<category>Business</category>
				<pubDate>Thu, 21 May 2026 20:43:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Inside Your Pocket — SA Bank Fraud Attempts Surge</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
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		<itunes:duration>19:22</itunes:duration>
		<itunes:summary><![CDATA[A new BioCatch report reveals that South Africa is facing one of the world’s fastest‑rising fraud landscapes, with 75% of banks reporting increased attacks and 81% losing more than $5 million annually. Alex Robinson, Director of Global Advisory at BioCatch, joins Kaya Biz to unpack the rise of social engineering, AI‑driven scams, SIM swaps, and what consumers must do to protect themselves in real time.]]></itunes:summary>
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		<title>Middle East Conflict and Its Local Economic Impact</title>
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		<description><![CDATA[Debt expert Dehan Scherman from National Debt Advisors warned that rising global oil prices could quickly translate into higher fuel, transport and food costs for South African households. ]]></description>
					<category>Business</category>
				<pubDate>Thu, 05 Mar 2026 22:45:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Middle East Conflict and Its Local Economic Impact</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
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		<itunes:duration>10:59</itunes:duration>
		<itunes:summary><![CDATA[Debt expert Dehan Scherman from National Debt Advisors warned that rising global oil prices could quickly translate into higher fuel, transport and food costs for South African households.]]></itunes:summary>
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		<title>National Debt Awareness Month | Q4 2025 Debt Index : Confidence up, but costs outpace income growth</title>
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		<description><![CDATA[Guest: Benay Sager, Executive Head of Debtbusters ]]></description>
					<category>Business</category>
				<pubDate>Fri, 06 Feb 2026 11:58:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>National Debt Awareness Month | Q4 2025 Debt Index : Confidence up, but costs outpace income growth</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>14:19</itunes:duration>
		<itunes:summary><![CDATA[Guest: Benay Sager, Executive Head of Debtbusters]]></itunes:summary>
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		<title>Transformation fund: opportunity or threat for SMEs?</title>
		<link>https://iono.fm/e/1640224</link>
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		<description><![CDATA[The government is preparing to launch a revamped Transformation Fund as early as next week, rewriting incentives that have shaped corporate behaviour for more than two decades. Joining Gugulethu today is Jamell Khan from Unconventional CA (UCA), who has been vocal about the risks of centralising corporate transformation funds. ]]></description>
					<category>Business</category>
				<pubDate>Wed, 28 Jan 2026 21:31:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Transformation fund: opportunity or threat for SMEs?</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>12:34</itunes:duration>
		<itunes:summary><![CDATA[The government is preparing to launch a revamped Transformation Fund as early as next week, rewriting incentives that have shaped corporate behaviour for more than two decades. Joining Gugulethu today is Jamell Khan from Unconventional CA (UCA), who has been vocal about the risks of centralising corporate transformation funds.]]></itunes:summary>
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		<title>Is Hard Cash On Its Way Out?</title>
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		<description><![CDATA[Guest - Kokkie Kooyman, banking analyst and director at Denker Capital<br />
<br />
As the world shifts towards cashless payment methods, South Africa is gradually moving away from cash against a social and economic backdrop of inequality and slow economic growth. ]]></description>
					<category>Business</category>
				<pubDate>Thu, 21 Aug 2025 19:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Is Hard Cash On Its Way Out?</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>10:43</itunes:duration>
		<itunes:summary><![CDATA[Guest - Kokkie Kooyman, banking analyst and director at Denker Capital

As the world shifts towards cashless payment methods, South Africa is gradually moving away from cash against a social and economic backdrop of inequality and slow economic growth.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9712">Inside Your Pocket</source>
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		<title>The Shocking Rise of Gambling &amp; Pension Withdrawals in SA</title>
		<link>https://iono.fm/e/1640941</link>
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		<description><![CDATA[GUEST – John Manyike - Old Mutual Group Head of Financial Education.<br />
 <br />
Old Mutual Group Head of Financial Education, John Manyike to join us to discuss a growing crisis affecting working South Africans – the increasing reliance on gambling and early two-pot withdrawals to survive financially.<br />
 <br />
The recently released 2025 Old Mutual Savings & Investment Monitor (OMSIM) paints a concerning picture of financial desperation:<br />
52% of working South Africans are gambling – often to pay off debt or cover monthly expenses.<br />
31% are already dipping into their pension funds through the two-pot system, risking long-term financial security for short-term relief.<br />
Even though 96% say saving for retirement is important, the current economic pressure is forcing many to make difficult, sometimes risky, financial decisions. ]]></description>
					<category>Business</category>
				<pubDate>Thu, 14 Aug 2025 19:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>The Shocking Rise of Gambling &amp; Pension Withdrawals in SA</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>17:58</itunes:duration>
		<itunes:summary><![CDATA[GUEST – John Manyike - Old Mutual Group Head of Financial Education.
 
Old Mutual Group Head of Financial Education, John Manyike to join us to discuss a growing crisis affecting working South Africans – the increasing reliance on gambling and early two-pot withdrawals to survive financially.
 
The recently released 2025 Old Mutual Savings & Investment Monitor (OMSIM) paints a concerning picture of financial desperation:
52% of working South Africans are gambling – often to pay off debt or cover monthly expenses.
31% are already dipping into their pension funds through the two-pot system, risking long-term financial security for short-term relief.
Even though 96% say saving for retirement is important, the current economic pressure is forcing many to make difficult, sometimes risky, financial decisions.]]></itunes:summary>
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