Latest opinions that Nkahiseng Ralepeli has shared on Finextra

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Nkahiseng Ralepeli

VP of Product: Digital Assets

Absa Bank, CIB.

Member since

24 Oct 2024

Location

Joburg

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Nkahiseng's opinions

Crypto's Bad Child Narrative: The True Crime Story You’re Not Being Told

Crypto and crime—the two are often linked in the same breath, as if digital assets are the preferred playground for bad actors. “It’s anonymous,” critics say. “Perfect for laundering money,” other critics flag. But is that really true, or is it just an easy scapegoat? Here’s the thing: money laundering isn’t a crypto problem—it’s a financial syste...

4 hours /crypto /crime

Variable Recurring Payments: The Future of Dynamic Payments in South Africa and Beyond

The payments landscape is undergoing a seismic shift, and Variable Recurring Payments ( (hereon referred to as VRPs) are at the forefront. Unlike fixed recurring payments, where consumers are charged the same amount at regular intervals (think subscriptions or gym memberships), VRPs introduce flexibility, allowing payments to vary based on real-tim...

30 December 2024 /payments /inclusion

When Blockchains Meet Brains: Bridging the Credit Gap

Blockchain and artificial intelligence (AI) are two of the most buzzworthy technologies of our time, each with its own league of devoted enthusiasts and sceptics. But the real magic happens when these two powerhouses collide. While blockchain brings unparalleled transparency, decentralisation, and security, AI introduces adaptability, intelligence...

04 December 2024 /inclusion /crypto

Blockchain Oracles in Payments: The Unsung Heroes.

In the great blockchain story, oracles are often the overlooked heroes. Sure, smart contracts get all the glory, but without oracles, they’re like actors without a script—brilliant but clueless. Oracles are the bridges that connect blockchain systems to real-world data, unlocking the full potential of decentralised technologies in banking and fina...

29 November 2024 /payments /crypto

Smart Contracts: The (not-so) Secret Weapon in Africa’s Financial Evolution

Smart contracts may sound like tech jargon, but beneath the name lies a game-changing solution that’s reshaping finance as we know it. The purpose of this piece is to, or at least attempt to anyway, succinctly describe smart contracts and what role they may play in driving financial value both in the private and public sectors. Part digital notary...

22 November 2024 /payments /crypto

The Stablecoin Surge: How a Chainalysis study reveals Africa’s payments revolution

Having read the 2024 geography of cryptocurrency report by Chainalysis, it’s hard not to feel a spark of excitement about the evolution of stablecoins in Sub-Saharan Africa – particularly as we go through, what looks to be anyway, a bull cycle in the wider digital asset space. What’s unfolding is more than a financial trend; it’s an under-the-rad

14 November 2024 /payments /crypto

Coins and Conviction: Why South Africa's youth are warming to crypto (despite the chaos)

South Africa’s regulatory landscape is witnessing a calculated embrace of digital assets, driven by the Financial Sector Conduct Authority's (FSCA) forecast in its Q3 Industry Newsletter (December 2023), projecting that 43% of South Africans will have exposure to crypto assets by 2030. This projection isn't merely optimistic—it reflects the country...

05 November 2024 /regulation /crypto