KYC know your customer

Whitepaper: Using KYC to deliver competitive differentiation

KYC know your customer

Revealing why KYC is no longer just a regulatory requirement but a matter of competitive survival

The process of knowing your customer, commonly shortened to KYC, describes the actions that organisations undertake to verify the identity of their customers. Regulatory compliance is fundamental to an effective KYC operation, but it is only the start.

As brands undergo rapid and necessary digital transformation in response to COVID-19, the importance of the experience created during the KYC process must not be overlooked. From regulation to differentiation, the customer must still be at the heart of the KYC journey.

KYC processes are increasingly viewed as competitive differentiators, for both clients and consumers alike across multiple industries. KYC can be flexed to provide differentiation linked to an organisation’s broader strategy, whether that is delivering a seamless journey for customers, rapid response times or reduced cost.

In this paper, authored by Senior Account Directors Ali Fry and Virginie Raux at Gobeyond Partners, part of the Webhelp group, we review the impact of new technologies, lessons learnt from other digital industries, and two key focus areas for KYC improvement activity.


social media

Webhelp Ranked Highly Across all Aspects of Social Media by Leading Analyst NelsonHall

social media

Firm announces host of analyst accolades 

Paris, France , 11 February 2021  

The leading global customer experience (CX) and business solutions provider, Webhelp has been recognized by top-ranking industry analyst, NelsonHall, for its social media capabilities. 

The firm was recognized across three core areas: customer care and sales capability; online reputation management capability; and content moderation, trust and safety capability.  

NelsonHall’s Evaluation & Assessment Tool (NEAT), part of a “speed-to-source” initiative, enables strategic sourcing managers to assess vendors’ capabilities to identify the industry’s best performers during the sourcing selection process. The methodology specifically evaluates the quality of players’ abilities in several categories, such as technology and tools, service innovation, geographic footprint, and scalability, amongst others. 

“We are thrilled that NelsonHall has recognized our social media capabilities. Now more than ever, and in an increasingly digital world, businesses need to deliver high-quality and trustworthy customer experience interactions. Webhelp has a diverse range of digitally enabled services, which allow us to support global brands with their social media interactions and reputation and work with social media platforms and marketplaces themselves to support a safer online environment for users. We are very proud of our achievements in this space,” said Webhelp Co-Founder Olivier Duha.  

Ivan KotzevNelsonHall CX Services analyst, said:

“Webhelp’s strong performance in social media support and sales is built on a fundament of proprietary technology, channel management experience, and CX consulting capability. Notable is the company’s expertise in lead generation and sales activities on social channels, an increasing priority for brands looking to meet their customers on these channels.” 

Webhelp’s extensive capabilities and growing global footprint continue to be validated by the analyst community, with esteemed U.S.-based analyst, Gartner, naming Webhelp as a Niche Player. This builds on the analyst’s reporting of Webhelp as a Rising Star in 2019/20, as the business further establishes its reputation as an industry disrupter and credible alternative to the more traditional players in the North American market. 

These recent accolades amplify Webhelp’s current positioning by global analyst Everest Group as a Leader in Customer Experience Management (CXM) in its PEAK Matrix® Assessment 2020, as well as a Leader in its CXM in Europe, Middle East, and Africa (EMEA) Services PEAK Matrix, recognizing Webhelp as being particularly strong in terms of both vision and capability. The Everest Group positioning extends to a new report where Webhelp is recognized as a Major Contender in work-from-home solutions amongst other global players.  

Everest Group wrote in its WAHA (Work aHome Agent) CXM Services PEAK Matrix Assessment:

“Webhelp is driving digital transformation through cloud adoption, CX consulting, and automation by partnering with technology vendors such as Amazon Connect, MS Azure, and UiPath, utilizing their platforms as per clients requirements.” 

 


Content Management

Americans distrust tech companies to moderate content online

Where do we draw the line between freedom of speech and allowing misinformation to be broadcasted online?

Content moderation is crucial for social platforms to ensure a trustworthy relationship with their users. Without moderators, billions of social media users would be shown potential harmful content every day.

Government control – trusting the system

There are many nuances of user generated content, and there are concerns that governments will take control over the content posted on media platforms, removing the platforms purpose of sharing content freely (within the guidelines).

For example, the U.S. Government signed new laws to ban social media platform TikTok – which has over 80 million daily users in the U.S. The platform has since won a preliminary injunction that will allow for the app to be used and downloaded from the U.S app store.

This precedent shows that if the government had more control, they would be quick to implement such regulations on these platforms. It is unlikely to happen as political figures use social media platforms to connect with their constituents, communicate their views, and advocate for political campaigns.

Free Speech vs Content Moderation?

According to Gallup and Knight Foundation survey, “55% of Americans say that social media companies are not tough enough, with only 25% saying they get it right”.
For instance, Trump’s behaviors and actions on Facebook, Twitter, and other social platforms, have allowed communicating harmful propaganda which can influence political views and undermine election campaigns. As well as provoke/incite violence by sharing false and deceptive information to the public which we have witnessed during his election campaign in 2020, and more recent events at the US Capitol with Trump supporters.

The violent storming of the US Capitol led to the big tech companies like Twitter and Facebook suspending Donald Trump from using the platform due to his alleged role in inciting violence and sharing misinformation; with many other players permanently banning him from their platforms. The platform Parler, which has a significant user base of Donald Trump supporters, was taken off major service providers app stores as they accused the platform of failing to police violent content.

After Trump’s 12-hour ban was lifted on Twitter, he continued to violate their policy. They concluded that his tweets during the incident was against their Glorification of Violence policy and left them with no choice but to permanently suspend his account.

To give multiple chances to an individual with this level of influence, users continue to express their views that big tech companies are being taken for a ride and not doing enough to stop the virality of content. Consequently, this has resulted in people not trusting the platforms’ moderation policies and algorithms to display authentic, unbiased content efficiently.

Trusting the system

Controversially, US online intermediaries are under no legal obligation to monitor content, “social media companies are under no legal obligation to monitor harmful speech, and governments can’t really make them or compel them to offer things like counter speech without running into First Amendment roadblocks”, Forbes, 2020.

Section 230 – a constitution act for Americans which protects the freedom of expression. In comparison to other countries, the U.S. Section 230 provides online platforms with immunity for legal reprimands with few exceptions, “they can avoid liability, and object to regulation as they claim to be editors of speech” outlined in Section 230(c)(1). There are many caveats and exceptions – particularly when it comes to interpreting images and videos.

Therefore, when it comes to accountability, this legislation has limitations to hold online intermediaries liable for user generated content on their platforms. It does not establish what is considered tortious speech, harmful or misleading information. Rather, big tech companies are left to outline this in their policies; to do the right thing by their users.

Moderating content

Early last year, Twitter introduced new labels on Tweets containing “synthetic and manipulated media”, likewise Facebook created labels that flagged harmful or unverified information.
Although these companies continue to introduce new tools to highlight harmful content, it is important for moderators to have the correct tools and expertise to moderate sensitive content and not solely rely on technology to do this. Without the right guidance and principles, misinformation and propaganda will manage to fall through the cracks.

Lear more about our Digital Services, or contact us to find out more.

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Read the 6th edition of our OneShot magazine on Social Engagement

Our 6th edition of the OneShot is here!

Download your OneShot Magazine

Tick tock tick tock…

Time is ticking away – now is the time to start focusing on social engagement.

Social commitment means becoming aware, but above all, taking action and standing up for inequalities.

Taking action can be as simple as these recipes to be: more human, more green, and more equal. Not only are these good for you, but for others too.

Compelling your company to pledge and commit in the fight for social and environmental changes, such as the global warming crisis or social justices and equalities – are vital steps to take now for a brighter future.

And it all starts with knowledge. So, here’s to your learning with the latest edition of the OneShot.

Dare to be ‘woke’ and be a driving force for change?

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legal framework

Legal frameworks of content moderation around the world (Part 3)

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With an initial goal of curbing fake news and online hate, the NetzDG unfortunately, created a blueprint for internet censorship around the globe.

Turkey
For many years now, freedom of speech and press freedom have been strongly condemned in Turkey, it is ranked 154th out of 180 countries in the RSF 2020 World Press Freedom Index. (Source: www.rsf.org). Denying access to around 3000 articles, Turkish courts blocked articles that were highlighting political corruption and human rights violations in 2018, added to a track record of frequently blocking social media platforms such as Facebook, Twitter, and YouTube.

On 29th July, the Turkish parliament enacted a new law that was hastily ushered in without considering the opposition or other stakeholders’ inputs. Once approved by President Erdogan, the law mandates social media platforms to appoint a local representative in Turkey. However, activists are severely concerned that the law is designed to further conduct government censorship and surveillance.

Australia
Following the gruesome terror attack on two mosques in Christchurch (New Zealand), which was carried out by an Australian in 2019, a bill amending the Australian criminal code was passed. The amendments hold service providers criminally liable for failure to instantly remove violent content that is shared on their platforms.

Despite similarities with the NetzDG, the main difference is the take-down timeframe and the subject matter of illegal content. The amendment faced criticisms from media companies, stating it could lead to censorship of legitimate content due to the incentive it creates to over-screen their users. Others called for the government to address the problem at its root: violence and Anti-Muslim hatred as opposed to holding social media platforms accountable for the manifestation of such problems.

Nigeria
On 5th November 2019, an Anti-Social Media Bill was proposed by the senate of the Federal Republic of Nigeria to bring to book violations in peddling malicious information. The campaign has been backed up with the Northern States Governors’ Forum (NSGF) held with traditional rulers, government officials, and leaders of the National Assembly.

Following the recent terror at Lekki Toll Gate on the night of 20th October 2020 that turned fatal when police brutally invaded peaceful protests to #EndSARS by use of live ammunition, the infringement of freedom of speech amidst media censorship continues to oppress the fundamental human rights and is condemned by Amnesty International. Nigerian Police have since then denied despite evidence of people streaming live on their social media platforms to showcase this cruelty. (Source: amnesty.org)

China
With a more sophisticated censorship approach, China’s government blocks websites, IP addresses, URLs whilst monitoring internet access. Online service providers are expected to authenticate the real names of the online users according to the Cyber Security Law (CSL) that has been effective since 1st June 2017. Additionally, the CSL mandates all network operators to closely screen user-generated content and filter out information that is prohibited from being published or relayed by existing laws or administrative regulations.

Other countries that also have heavy internet censorship through political media restrictions and social media include Iran, North Korea, Somalia, Ethiopia amidst political unrest, and many Eastern European countries such as Moldova.

Following the recently concluded U.S. elections against a highly controversial and polarizing incumbent, President Trump is yet to concede. Instead, he has been making widespread allegations of voter fraud as well as concerns about the integrity of the process. Social media platforms like Twitter and Facebook continue to struggle with screening fake misinforming content.
Due to the thin line that exists between permitted and prohibited speech, enacting a universal solution globally governing content moderation is assertive. When relying on automated decision-making tools, moderation systems are prone to errors. Online platforms are hence forced to assess the amount of collateral damage that would be deemed “legitimate” versus the amount of harmful content that would slip through the cracks. Stronger enforcement means less hate and fake news will be shared, but it also means a greater probability of flagging of for example activists protesting police brutality or journalists exposing injustices and corruption in those particular governments.

This article is the the final part of a series. If you missed the first part, read it here.

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The transformation of B2B sales

Meet those who make the modern B2B go-to market: “inside sales” sellers. Driven by changing B2B buying behavior, the sedentary selling model is evolving beyond simple optimization in a period where physical business interactions have fallen by more than 50%.

According to FEVAD, in 2020, 79% of French SMEs have requested a rate for a B2B purchase on the internet, even before contacting a seller. The change in sales models seems to have become unavoidable, accelerated by confinements as interactions with prospects and customers can no longer be done face-to-face, ” nevertheless, everything must be done to develop customer portfolios”, explains Gautier Romani, an inside sales representative operating for a Webhelp client. Gautier continues, “The proposal for meetings using channels as varied as they are complementary – social networks, mail, etc. – has been intensified to take advantage of the increased available time of our contacts”. The B2B customer has gained knowledge of the offers, thanks to more simplified access to information. As a result, sellers can now focus on the higher value-added elements of the business proposition.

A win/win relationship

Salespeople are doing well, thanks to the pool of information at their disposal (browsing history, sales statistics, etc.) which allows them to continue the purchasing cycle on different channels. This variety encourages them to be proactive in supporting the client and confirming his enlightened choice. “The inside sales must not only know its product, but master its environment (competitive advantages, market trends, etc.). The business now corresponds more to delivering expertise to its client via the right communication channel, mostly via LinkedIn today. “Once Social Selling is mastered, we gain access to a space of more promising business opportunities than in 3 days of face-to-face trade shows”. This leads to rethinking its approach to the customer: how to start the relationship, at what pace to follow up, etc. These are points that are too often underestimated,” Gautier concludes.

Account Based Marketing (ABM): effective under certain conditions

Targeting professionals based on demographic data has become the key asset of sedentary salespeople who employ ABM. This strategy consists of targeting key accounts while sending specific messages; by sector and for each profile of decision-makers showing the most appetite. Rather reserved for targeting mid-cap companies and beyond, this approach is more thorough, but has a conversion rate 5 times higher than the average. “To do this, it is necessary to map the targeted company, analyze its environment, its market, its competitors, and also identify decision-makers or influencers, to send them personalized messages.” Underlines Luc Massias, Business Development Executive at Webhelp.

Outsourcing your B2B sales force allows you to accelerate your commercial growth.

Further reading: B2B Inside Sales Generation

 

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legal framework

Legal frameworks of content moderation around the world (Part 2)

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Internationally, two documents provide freedom of expression protection. The first is Article 19 of the Universal Declaration of Human Rights (UDHR), and the second is Article 19 of the International Covenant on Civil and Political Rights (ICCPR). The importance of free speech and free expression are recognized as fundamental human rights with caution of unjustly infringing on them.

By obliging social media platforms to delete illegal content within 24 hours or otherwise face exorbitant fines, the NetzDG triggered fierce debates and concerns regarding its ramification on freedom of expression by:

  • The Streisand effect (detrimental outcomes of censorship)
  • Accidental removal of legal content
  • Privatized law enforcement
  • Unnecessary sanctions
  • Global Internet censorship through authoritarian regimes

At least 13 different countries have enacted or outlined laws that are similar to the NetzDG matrix. According to the Freedom House’s Freedom on the Net, five of them (Honduras, Venezuela, Vietnam, Russia, and Belarus) are ranked as “not free”, five others are ranked as “partly free” (Singapore, Malaysia, Philippines, Kenya, and India) and the remaining three are categorized as “free” (France, UK, and Australia). (Source: freedomhouse.org). More recently, Turkey was also added to the list, having passed the worst version of the NetzDG, according to the Electronic Frontier Foundation (Source: eff.org)

United States
According to a study that was conducted last year, 85% of daily active Facebook users live outside of the U.S. and Canada, 80% of YouTube users and 79% of Twitter accounts are mainly from up-coming markets such as Brazil, India, and Indonesia. (Source: www.omnicoreagency.com)

While most of these big tech companies have their headquarters in the United States, the majority of their users are based outside the country. As a result, these companies are essentially governed by U.S. law. The First Amendment of the U.S. Constitution and Section 230 are the two principal legal frameworks that regulate the online freedom of expression.

In the U.S., the government is prevented from infringing on the right to free speech by the First Amendment. However, tech companies are not similarly subordinate to the First Amendment. Consequently, they can enact their codes of conduct and policies that often further restrict speech that would not be prohibited by the government under the First Amendment. For instance, Tumblr and Facebook prohibit the publication of graphic nudity on their platforms.

Yet under the First Amendment law, such prohibition by the government would be unconstitutional. And because Section 230 of the Communications Decency Act protects social media networks, website operators, and other intermediaries, they are not held liable for the generated content in their platforms and have been able to thrive.

United Kingdom
To combat detrimental content, the U.K. released a White Paper last year highlighting multiple requirements. Internet companies must keep their platforms safe and can be held accountable for the content published on their platforms and, they are liable to pay consequent fines. (Source: assets.publishing.service.gov.uk)

This article is the second part of a series. If you missed the first part, read it here.

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legal framework

Legal frameworks of content moderation around the world (Part 1)

legal framework

Following increased pressure to protect the audience from harmful content, both large and small online platforms that mainly host User Generated Content have come under intense scrutiny from governments around the globe.
Depending on their size and capacity, different online platforms deploy two content moderation models to tackle this issue:

  1. Centralized content moderation – using this approach, companies establish a wide range of content policies they apply on a global scale with exceptions carved out to safeguard their compliance with laws in different jurisdictions. These content policies are implemented by centralized moderators who are trained, managed, and directed as such. Facebook and YouTube are examples of big internet platform companies using this model.
  2. Decentralized content moderation – this model tasks the users with the responsibility of enforcing the policies themselves. Being diverse by nature, this approach mainly enables platforms like Reddit to give their users a set of global policies that serve as a guiding framework.

Centralized models help companies to promote consistency in the adoption of content policies while decentralized models allow a more localized, context-specific, and culture-specific moderation to take place encouraging a diversity of opinions on a platform.
After failed attempts to push social media platforms to self-regulate, the German parliament approved the

Network Enforcement Act (NetzDG) on 30th June 2017. Also known as the “hate speech law” the NetzDG took full effect as from 1st. January 2018. The NetzDG directs platforms to delete terrorism, hate speech, and other illegal contents within 24 hours of being flagged on a platform or otherwise risk hefty fines.

While the NetzDG encourages transparency and accountability of social media platforms it also raises concerns regarding the violation of the e-Commerce Directive and fundamental human rights such as freedom of expression. In a statement that was sent to the German parliament in 2017, Facebook considered the NetzDG draft submitted in 2017, to be incompatible with the German constitution by stating, “It would have the effect of transferring responsibility for complex legal decisions from public authorities to private companies”. (Source: businessinsider.com)

Following criticism from a wide array of activists, social networks, politicians, the EU commission, the UN, and scholars, the NetzDG is a controversial law that should be adapted with a grain of salt. Unintentionally, Germany created a prototype for Global Online Censorship from highly authoritarian states who have adapted the NetzDG to manipulate the freedom of speech on the internet by pushing their illiberal agendas camouflaged as moderation policies.

Find out more about this topic

This article is part of a series looking at legal frameworks around the world. The series will focus on countries legal amendments to moderate user-generated content in the following countries: U.S, U.K., Turkey, Australia, Nigeria, and China.

Want to discuss the specificities in your country? Get in touch with our experts to find out more.

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Webhelp strikes gold at the Engage Awards

Webhelp won the top prizes in the ‘Best Use of Training’ and ‘Best Partnership Solutions During a Crisis’ categories at this year’s Engage Awards. The leading customer experience and business solutions provider also won a silver award for ‘Most Effective Homeworking Programme’.

The gold award for Best Partnership Solution During a Crisis recognised Webhelp and its client Sainsbury’s Bank for developing a homeworking solution in record time. The rapid and smooth nature of that transition and the office-like environment created during the COVID-19 pandemic ensured that Webhelp has been able to continue to respond to more Sainsbury’s Bank customers and provide vital levels of support at a time when consumer demand was growing and COVID-19 was making a huge impact across the sector. This relied on the expertise of Webhelp’s IT team and the flexibility and commitment of everyone involved.

Lesley Millar, Head of Banking and Insurance Services, at Sainsbury’s Bank said: “Webhelp managed to mobilise homeworking for the entire contact centre over the course of a weekend, to help maintain a strong service to our customers and keep our colleagues safe. This was, for me, our most impressive and memorable response. This award celebrates a partnership that is a perfect fit for us. Not only is Webhelp aligned to our values, but its teams’ response to changing demands and priorities is exceptional.”

Webhelp’s Operational Learning and Development (L&D) team also won first prize in the Best Use of Training category, having moved from digital training at a baseline of less than 5% to a fully virtual solution in just 14 days. The team provided bespoke and channel-specific training for over 8,000 people working from home. Critical training was delivered to 1,500 new and displaced colleagues to support campaign redeployment and successful homeworking. The L&D team upskilled over 50 trainers into a virtual environment and created and deployed 85 core digital learning modules, along with 25 digital compliance courses.

The company also achieved the Most Effective Homeworking Programme silver award for keeping its people in the UK, South Africa and India safe during the pandemic while maintaining operational integrity for Webhelp clients. With over 12,000 employees, it was a substantial and complex challenge, which involved finding solutions for 2,150 colleagues in India within five days and 2,200 in South Africa in only three days.

David Turner, Webhelp UK Region CEO, said: “These awards emphasise the strength of the capabilities within our business and the dedication of our highly skilled colleagues. This year, more than ever before, we have seen the benefits of our commitment to making business more human. Webhelp’s game-changers accepted the challenges presented by the pandemic and embraced new solutions to ensure that we kept delivering for our clients. We are all so pleased that our teams’ efforts have received this recognition at the Engage Awards. It marks another special moment on Webhelp’s journey of rapid growth and constant innovation.”

The Engage Awards are recognised by the industry as the only awards programme, celebrating excellence in both Customer and Employee Engagement. The programme captures examples of excellence from organisations and individuals directly improving their strategies, retention, loyalty, productivity and bottom line performance.


Black Friday, the retail rush in the COVID era

Black Friday is an American consumer institution, where hordes of shoppers traditionally lined the streets waiting for the stores to open the day after Thanksgiving to pick up what they hope will be the bargain of a lifetime. In recent years Black Friday, closely followed by Cyber Monday, has heralded the global festive shopping rush. Here Brandon Aitken, CCO of Webhelp South Africa and India takes a look at how this year may be different, and the ways which our teams and the retail and logistics industries as a whole are preparing to meet an unprecedented online demand.

In the mainstream media, Black Friday is typically represented by crowded scenes of over-excited and frustrated shoppers, fighting it out for that last item on the shelf and stealing items from each other’s trolleys. But in reality, a huge amount retail activity takes place online, and this figure has been steadily growing.

According to Adobe, in 2019 US Black Friday online sales beat all previous records, at an astonishing $7.4bn, up from $6.2bn in 2018. CNBC reported that Cyber Monday was an even bigger day for online shopping than Black Friday, with sales totalling $9.2bn, up 16.9% on 2018.[1]

And, Barclaycard data reveals that the story was the same in the UK too, with Black Friday sales climbing by 16.5% last year, while Cyber Monday transactions rose by 6.9%. Their CEO Rob Cameron said:

“Our data shows that consumers have not only been buying more, but also spending more than last year – which will no doubt come as welcome news to the retail sector”[2]

It doesn’t take a huge leap to imagine that in 2020, Black Friday will drive even more customers onto their phones, tablets and laptops, as companies attempt to avoid crowded in-store events, to safeguard their customers in the COVID era, without losing retail sales.

With the global high-street restrictions still impacting on brick and mortar profits, a successful Black Friday via online channels is something all retailers will be hoping for.

At Webhelp, we are well prepared for this event. We have a highly successful track record of managing Peak Demand in customer service for the international retail and logistics brands we support. Behind the scenes, this success hinges on an incredible amount of preparation and hard work from our people and of course close collaboration with our clients. If you’d like to know more you can read just a few of our employee stories

We have four customer service centres in SA, offering a blended delivery solution with advisors both working from home and safely on site.  Every year, leading up to the peak period and during the ‘eye of the storm’ we create an exciting atmosphere to support and motivate our people during the toughest time of their working year. We focus on motivation and ensure we reward people for their hard work.

Along with the energy and commitment of our people; technology and adaptability will obviously play a huge part in any response to increased service demands, and have a robust and reliable solution that has performed well both at peak and under crisis during COVID.

Webhelp has over 1,000 people working from home supporting 8 different international retail and logistics clients to ensure we are able to sustain support for their customers, and this can be adjusted in response to the evolving landscape of the pandemic.

The skills and expertise that our teams have shown in quickly reacting to changing customer demands really does set us apart and is reflected in the incredible feedback that we have received from our client partners. Commenting on our joint response to the pandemic Michaela Simpson, Customer Experience Director at Yodel reported that:

 “Suddenly home shopping habits changed completely, as a result we have been effectively running at peak operation, which we usually spend a significant part of the year planning and laying out logistics for. However, we managed to switch this on in just a few hours and since then we have maintained very, very high numbers, well above our plan”.

It’s clear that this year, more than usual, Black Friday and Cyber Monday will create added pressures for the retail and logistics sectors, but in South Africa we have the talent and a stable infrastructure to help create success for our clients by providing their customers with an exceptional on-line shopping experience.

[1] Cyber Monday sales hit record $9.4 billion, Adobe says CNBC.com

[2] Black Friday 2019: What happened, where and why? Barclaycard.com