In this episode, Tayla shares how Stub grew from a bootstrapped idea into a well-funded SaaS platform used by thousands of entrepreneurs across 14 countries. She explains why partnerships, especially with Capitec, are critical to unlocking real-time financial insights, and how Stub integrates payments to become a true “business-in-a-box.” 

This episode covers: 

• How Stub was born in a Joburg shuttle and grew into a global SaaS platform 

• Why simplicity, intelligence, and localisation are at the heart of Stub’s product design 

• How the route-to-market and the product decisions are interlinked 

• The importance of partnerships, including Stub’s integration with Capitec Business 

• Co-founder dynamics and lessons for entrepreneurs choosing partners 

• Bootstrapping, angel investment, and the realities of funding a tech startup 

• How Stub is embracing AI to eliminate admin and empower entrepreneurs 

The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.

Any business owner knows that software can make or break a business. And when software is built by entrepreneurs, for entrepreneurs, the benefits are even clearer.

Like many great businesses, Olympia Engage was created to solve the challenges its founders faced in their previous businesses. With hands-on experience managing large teams and running performance and incentivisation programmes, brothers Manie and George Van Greunen set out to build digital solutions that address these challenges.

In episode 9 of The Finance Ghost Plugged in with Capitec, get ready to learn from these software ‘brogrammers’ about how Olympia Engage uses various techniques to improve adoption rates, create internal alignment and support measurable performance.

The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.

Capitec understands the challenges faced by entrepreneurs. Throughout this season of The Finance Ghost Plugged in with Capitec, we’ve explored how affordable transactional banking and access to finance can help business owners grow. 

But how does it all come together? And how did Capitec make such a strong impact on the business banking scene so quickly? 

In episode 8, we reflect on the acquisition of Mercantile Bank just before COVID hit – and how Capitec’s innovative approach helped shape the products, systems and client experience that followed.  

This is The Finance Ghost in conversation with Karl Kumbier (Executive for Business Bank), Amrei Botha (Executive of Client Experience Delivery) and Sicelo Mkhize (Head of Distribution).

The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.

Priscilla Msimanga made the leap that so many dream of, yet few are willing to make: leaving a big corporate role and shifting into the grinding world of entrepreneurship. To add to the intrigue, she bought a Shell forecourt and stepped into specialist retail. 

From managing staff to complying with petroleum regulations, the learning curve was steep. Drawing on her corporate experience, her love of sales and her passion for service, Priscilla rolled up her sleeves and did everything – from pumping fuel to serving food. 

And yes, that means there’s a food truck to go with this great story! 

On episode 7 of The Finance Ghost Plugged in with Capitec, Priscilla tells us more about her leap from corporate life to entrepreneurship. 

The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.

Lu-ise Hattingh and Ruan Botha are a great example of the power and value of travel. After spending time in Japan, they fell in love with the culture and food. As all great entrepreneurs do, they also took the opportunity to learn about the Japanese approach to consumer brands. That curiosity eventually sparked a business idea they brought back home.

Today, Lu-ise and Ruan are rolling out Market Kokoro franchise stores in South Africa and especially the Western Cape, tapping into the existing Market Kokoro infrastructure in South Africa and adding their particular flavour of experiential retail. If you love the thought of cooking your off-the-shelf noodles in the store, then Market Kokoro is for you.

In bringing miso to Mzansi, one of the biggest insights is about the importance of meeting customers where they are, both in terms of tastes and locations.

On episode 6 of The Finance Ghost Plugged in with Capitec, Lu-ise and Ruan share the journey behind building a cross-cultural brand.

The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.

Ricky Ruthenberg has truly taken a ground-up approach to his career. Adapting to opportunities as they present themselves is clearly a powerful skill. From waiting tables at Col’Cacchio to helping launch the first Bootlegger in Sea Point, he’s gone on to build the team that runs a national chain of nearly 100 Bootlegger restaurants.

From espresso to enterprise, this is the story of building something from nothing. Hard work, perseverance and self-belief are the ingredients in this delicious recipe.

On episode 5 of The Finance Ghost Plugged in with Capitec, Ricky talks about what it takes to grow a local brand into a national success story.

The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.

Hugh Cunningham is as passionate about customer service and product assortment as he is about medicine. As the co-owner of The Local Choice Pharmacy Harmelia, Hugh focuses on business management, while his wife and co-founder Yolandi ensures the dispensary runs smoothly. 

On episode 4 of The Finance Ghost Plugged in with Capitec, Hugh shares excellent insights on specialist retail and how pharmacies really work.

The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.

With a background in law and economics, Obaratile (OB) Semenya’s approach to property includes exposure at practically every part of the value chain.

From developing high-end residential projects through Legaro Property Development to driving sales at his real estate agency, Natural Property, he’s mastered the full property journey.

And with extensive experience working closely with Balwin, OB also knows his way around the biggest developments around.

On episode 3 of The Finance Ghost Plugged in with Capitec, he talks about building the world he wants to see around him, all while ‘nerding out’ on the business and sector he loves most.

The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.

Rabia Ghoor, founder of swiitchbeauty® and winner of multiple awards, is one of South Africa’s most celebrated young entrepreneurs thanks to her fascinating backstory of starting the business at the age of 14 and dropping out of high school shortly thereafter.

But in the decade or so since then, Rabia has built a powerhouse of an eCommerce business – a business that deserves the limelight beyond its founder.

On episode 2 of The Finance Ghost plugged in with Capitec, we gave the business lessons from the journey building swiitchbeauty® just as much attention as Rabia’s story.

The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.

Makomborero Mutezo, founder of TheHungryMute and winner of the Capitec Rising Star award, is in the early stages of building a food design empire.

With a mix of culinary and design skills, plus a curious mind, he shares delicious insights in episode 1 of The Finance Ghost plugged in with Capitec.

The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.