The Capitec incentive scheme. They pay me money for swiping my card at the tills.

once apple pay was introduced i never looked back

A phone with a virtual card, a dynamic PIN, and a limited amount of cash in the account is the safest way to transact these days.

The informal market's continued reliance on cash has negative consequences for the informal market, and for SA as a whole. Global evidence is that countries and citizens do better economically over time when using formal financial services