CategoryPoint of view

How to get your credit report in South Africa

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tl;dr: I recommend these guys. In the same way that countries are rated by their creditworthiness –how likely they are to pay back their debt and the rate of interest they need to pay– individuals also have a score which serves as a financial résumé of sorts. In this article, I’ll discuss what your credit score is and how to get a credit report in South Africa. What is a credit...

Finance app review – Spot (beta)

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I received an invite to try out the a mobile app, Spot, which is still in Beta. It aims to be a Venmo-like alternative. I got a great response from the Spot team and I’m proud to be the winner of “most engaged inactive user” award 🏆 I think there’s room for peer-to-peer settlements in South Africa, but with the current legislation that states all of these sorts of payments...

Bitcoin is now worth more than a 1990 Honda Ballade

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For the first time ever, the price of one bitcoin has surpassed the price of used 1990 Honda Ballade sedans. While today’s swap can be attributed to a good day for bitcoin (up ~3%) and a bad day aging Japanese car owners, the big picture is that bitcoin has more than doubled in the last year (up ~185% from a year ago) while Hondas are essentially trading exactly at the price you would expect them...

A case for pay transparency

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We don’t like to talk about how much money we earn (this is the case in the West, at least; when I was living in Taiwan, I believe my neighbours on both sides knew my age, weight and salary). We hide our salary from our friends, peers, colleagues and in some cases even partners. Now, there are reasons aplenty to keep things private and there is always a requirement for some degree of...

Multilingual site language list advice

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I’m currently working in Indonesia (and I’ll be here for a few more weeks) enjoying the hustle and bustle from sleepy, beautiful Cape Town.
A lot of apps and websites I use are now (and understandably) showing me their content in Bahasa Indonesia. Despite finding the language interesting and easy to study, I still prefer to see these sites in English.

Why Bitcoin won’t work for emerging market remittances (anytime soon)

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Preface: I “drank the cool-aid” early on when it comes to Bitcoin. I bought my first few bits in 2013, made some money and then lost it all again. I’m a firm believer in the technology and I get to work with some of the brightest minds on some of the most intellectually stimulating work, something I believe is the future of finance. I just don’t think it’s the future of remittances in...

A farewell to PayFast

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This is a combination of my thoughts on quitting and the letter I sent to my colleagues announcing my resignation. I don’t want this site to really be about my personal life, but so much of what has become my personal life is intertwined with what is my professional life.  It is with a heavy heart –and an industry-appropriate sad emoticon– that I’m announcing my...

Lessons learned at the Lean Startup Machine

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The Lean Startup book, by Eric Ries has had a really big impact in the way I think about and approach various projects since the day I first read it. It’s applicable not just to work projects, but also for one of the many side projects, charitable causes and ideas I’m tinkering away at in my spare time. At the crux, it is about focusing on getting things done quickly: shortening the...

About me

Werner van Rooyen

I'm involved with Business Development and Marketing at the fast-moving Bitcoin Exchange, Luno. Active in South Africa, Nigeria, Malaysia, Indonesia and Singapore.