Cebile Zibi, Head of Trade Marketing at Momentum Advice, says teaching children financial discipline, like saving, delayed gratification and understanding value, is essential to building long-term financial resilience and equipping them to manage money confidently in adulthood.

Annalise De Meillon-Muller, Senior Legal Specialist at PSG, says longevity risk, the risk of outliving savings, can be managed through disciplined financial planning, including maximising contributions, diversifying investments, and adopting sustainable withdrawal strategies.

Lerato Bacela, Financial Director at Old Mutual Insure, says SMMEs should take a proactive and informed approach to regulatory changes, highlighting that new VAT thresholds and infrastructure opportunities can support growth, but require careful planning and professional guidance.

Theo Mabaso, Group Chief AI Officer at Sanlam, says AI will be a key driver of competitiveness and growth, enabling better products, advice and customer outcomes, while emphasising responsible, well-governed adoption to enhance efficiency without replacing the human role in financial services.

Paul Vos, Regional Managing Director of CIPS Southern Africa, says South Africa’s exit from the FATF grey list marks the start of stricter scrutiny, requiring businesses to prioritise transparent, continuous supplier due diligence as a core governance and risk management function.

Therése Havenga, Head of Business Transformation at Momentum Savings, says open and honest conversations about money are essential for financial wellbeing, helping reduce stress, build shared responsibility, and enable practical, goal-driven decisions that strengthen long-term financial resilience.