Capitec

Powering digital banking for South Africa's largest retail bank

13M+

Digital clients served through Capitec's rebuilt mobile banking app.

Millions

Saved per annum through strategic re-platforming.

Uptime

Always-up stability achieved for Capitec’s Retail Banking app, ensuring reliable digital banking.

18%

Reduction in call handling time through AI-powered contextual client support.

Banking

Capitec serves 25 million clients, making it the largest bank in South Africa by client base. With a market capitalisation of over R535 billion and a reputation as one of the country's most successful disruptors, Capitec is known for simplifying banking through a highly accessible and digitally-led experience.

Entelect operates as a true extension of our teams – there's no distinction between Capitec and Entelect, just a single, unified team working towards the same outcomes. Their flexibility in both approach and engagement allows them to adapt quickly to our evolving needs, while their teams consistently demonstrate deep ownership and investment in what we're building. What stands out most is their commitment to high engineering standards – they don't just deliver, they elevate the quality of everything they're involved in.

Ravindren Govender Profile picture Ravindren Govender CIO of Retail

Our Partnership Highlights

Highlights of what
we've built together

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#1 Downloaded banking app in South Africa

Entelect rebuilt Capitec's mobile app, helping it become the top finance app on Google Play, serving 13+ million digital clients.

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Cutting-edge fraud detection across every transaction

We've delivered a unified, event-driven risk system that significantly improved fraud prevention and response times.

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World-first AI-powered contextual client support

Our teams introduced contextual, AI-powered agent enablement – cutting call handling time by 18% and boosting performance by 26%.

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Zero-rated in-app calling

Together, we launched seamless in-app calling with no need for data, airtime, or re-authentication - frictionless support for millions.

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Large-scale cloud data migration

Successfully migrated over 15 years of data (~20TB) into the cloud, reducing operational risk and future-proofing Capitec's data platform.

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High platform stability

The Retail Banking app has achieved always up app stability, ensuring a reliable and consistent banking experience at scale.

Entelect at capitec

One team and shared ownership

Entelect's partnership with Capitec is centered around deeply embedded, high-performing teams that operate as one with Capitec. Through a shared culture of ownership, we've delivered the innovation and engineering standard that is fundamental to Capitec's digital experience.

5

Years of working together

180

People embedded in Capitec teams

We've worked across multiple
critical business units

  1. 01. Retail Banking
  2. 02. Connect
  3. 03. Centralised Electronic Desk Branch
  4. 04. Card
  5. 05. Forex
  6. 06. Fraud and Anti-Money Laundering
  7. 07. Conversational Banking
  8. 08. Value-Added Services
  9. 09. Live Better Rewards
  10. 10. Product Engineering
  11. 11. Client Domain
  12. 12. Business Banking: Platform Engineering
  13. 13. Data Platforms
  14. 14. Business Banking

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