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# ![@talkcentss Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::862675230.png) @talkcentss David (TalkingCents)

David (TalkingCents) posts on X about south africa, bank, if you, fintech the most. They currently have XXXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours.

### Engagements: XXXXXX [#](/creator/twitter::862675230/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::862675230/c:line/m:interactions.svg)

- X Week XXXXXXX -XX%
- X Month XXXXXXXXX +122%
- X Months XXXXXXXXX +200%
- X Year XXXXXXXXXX -XX%

### Mentions: XX [#](/creator/twitter::862675230/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::862675230/c:line/m:posts_active.svg)

- X Week XX -XX%
- X Month XXX +23%
- X Months XXX +41%
- X Year XXXXX +36%

### Followers: XXXXXX [#](/creator/twitter::862675230/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::862675230/c:line/m:followers.svg)

- X Week XXXXXX +0.22%
- X Month XXXXXX +1.80%
- X Months XXXXXX +6.30%
- X Year XXXXXX +8.90%

### CreatorRank: XXXXXXX [#](/creator/twitter::862675230/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::862675230/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[countries](/list/countries)  XXXXX% [finance](/list/finance)  XXXXX% [stocks](/list/stocks)  XXXX% [travel destinations](/list/travel-destinations)  XXXX% [currencies](/list/currencies)  XXXX% [technology brands](/list/technology-brands)  XXXX%

**Social topic influence**
[south africa](/topic/south-africa) #140, [bank](/topic/bank) #3109, [if you](/topic/if-you) 4.71%, [fintech](/topic/fintech) #243, [$bhp](/topic/$bhp) #2, [financial regulation](/topic/financial-regulation) 3.53%, [ab](/topic/ab) #1864, [crypto](/topic/crypto) 2.35%, [threshold](/topic/threshold) 2.35%, [cape town](/topic/cape-town) XXXX%

**Top accounts mentioned or mentioned by**
[@stockwavenews](/creator/undefined) [@sunflow24522496](/creator/undefined) [@advofchange](/creator/undefined) [@makulaaat](/creator/undefined) [@mbuzwamthe56726](/creator/undefined) [@ant_i_r_legend](/creator/undefined) [@grok](/creator/undefined) [@mxhegosola31969](/creator/undefined) [@dinosaurrabbit_](/creator/undefined) [@clementt1](/creator/undefined) [@richa4u01](/creator/undefined) [@franksyfranks](/creator/undefined) [@skyogbnb](/creator/undefined) [@abrlien](/creator/undefined) [@czbinance](/creator/undefined) [@heyibinance](/creator/undefined) [@binance](/creator/undefined) [@mommymoneyza](/creator/undefined) [@nanobanana](/creator/undefined) [@thestockwhale](/creator/undefined)

**Top assets mentioned**
[BHP Group Limited (BHP)](/topic/$bhp)
### Top Social Posts
Top posts by engagements in the last XX hours

"The TOP XX Banking and Insurance Groups in South Africa.    . : 🥇FirstRand ( . ) 🥈Capitec Bank ( . ) 🥉Standard Bank ( . ) 💰Sanlam (  ) 💰ABSA ( . ) 💰Discovery ( . ) 💰Nedbank ( . ) 💰Outsurance Group ( . ) 💰Investec PLC ( . ) 💰Old Mutual ( . ) They account for XXXX% of the entire TOP40 market cap"  
[X Link](https://x.com/talkcentss/status/1994719329372573993)  2025-11-29T10:45Z 63.3K followers, 47.4K engagements


"Active Clients in South Africa: 🏦Capitec = . 🏦FNB = . 🏦Standard Bank = . 🏦ABSA =  🏦Nedbank = "  
[X Link](https://x.com/talkcentss/status/1995037490290606433)  2025-11-30T07:49Z 63.3K followers, 126.6K engagements


"Freedom comes from ownership If you do not own you do not have your freedom"  
[X Link](https://x.com/talkcentss/status/1999113642827301224)  2025-12-11T13:46Z 63.3K followers, 6868 engagements


"1. Prosus ( . ) X. BHP Group (. ) X. British American Tob ( . ) X. Richemont ( . ) X. AB INBEV ( . ) X. Glencore ( . ) X. Naspers ( . ) X. Anglo American PLC ( . ) X. AngloGold Ashanti ( . ) XX. Gold Fields ( . ) XX. FirstRand ( . ) XX. Capitec Bank ( . ) XX. Standard Bank ( . ) XX. MTN Group (. ) XX. Valterra Platinum ( . ) XX. Vodacom ( . ) XX. Harmony Gold ( . ) XX. Sanlam (  ) XX. ABSA ( . ) XX. Impala Platinum ( . ) XX. Shoprite ( ) XX. South32 ( . ) XX. Discovery ( . ) XX. Sibanye Stillwater ( . ) XX. Bid Corporation ( . ) XX. Nedbank ( . ) XX. Outsurance Group ( . ) XX. Northam"  
[X Link](https://x.com/talkcentss/status/1993898278463918239)  2025-11-27T04:22Z 63.3K followers, 192.6K engagements


"Out of the cited figures of around XXX central banks worldwide around X still have meaningful private shareholder ownership. : Swiss National Bank South African Reserve Bank ( SARB ) Bank of Italy Bank of Japan National Bank of Belgium Bank of Greece Central Bank of San Marino Central Bank of Turkey Federal Reserve System (12 regional Federal Reserve Banks) *Most other central banks have been nationalized or created as state-owned institutions"  
[X Link](https://x.com/talkcentss/status/1998742958183780540)  2025-12-10T13:13Z 63.3K followers, 10.3K engagements


"Its been a mixed year for emerging-market currencies driven by shifting global risk sentiment uneven capital flows and differing domestic economic trajectories. Brazilian Real (BRL): +16.59% 🟢 Mexican Peso (MXN): +15.72% 🟢 South African Rand (ZAR): +12.23% 🟢 Turkish Lira (TRY): -XXXXX% 🔴 Indian Rupee (INR): -XXXX% 🔴 Some currencies strengthened as investors hunted for yield while others continued to slide under the weight of domestic economic challenges"  
[X Link](https://x.com/talkcentss/status/1999403773748498922)  2025-12-12T08:59Z 63.3K followers, 2369 engagements


"Everyone wants a piece of South Africa"  
[X Link](https://x.com/talkcentss/status/1999700082644722058)  2025-12-13T04:37Z 63.3K followers, 57.3K engagements


"@Clement_T1 I've stated this before "South Africa is for everyone except South Africans". So I agree"  
[X Link](https://x.com/talkcentss/status/1999729235020419229)  2025-12-13T06:32Z 63.3K followers, 1026 engagements


"South Africa is preparing for one of its biggest financial regulation shake-ups in decades.   It will completely overhaul how every financial institution operates from Banks and Insurers to Fintech and Crypto companies.  🔻"  
[X Link](https://x.com/talkcentss/status/1995769403749924889)  2025-12-02T08:18Z 63.3K followers, 91.3K engagements


"No doubt. South Africa is a great place for anyone that has past the threshold of "just surviving". The real win is uplifting millions more so that it translates into broader prosperity across different community segments. The problem is government doesn't take the responsibility of duration risk and the means of funding development is outsourced to private capital that wants exorbitant returns"  
[X Link](https://x.com/talkcentss/status/1999728499427541341)  2025-12-13T06:30Z 63.3K followers, 1966 engagements


"South Africa needs many things to happen of course I'm just going to mention THREE THINGS: 🔸Tighter immigration laws 🔸Better and secure borders 🔸Consolidation of our Provinces If you think not then why"  
[X Link](https://x.com/talkcentss/status/1999731347745869940)  2025-12-13T06:41Z 63.3K followers, 19.3K engagements


"South Africa The only Southern Hemisphere country in the world to have hosted the: ✅FIFA World Cup (2010) ✅Rugby World Cup (1995) ✅Cricket World Cup (2003) ✅G20 Summit (2025) Stuff of legends"  
[X Link](https://x.com/talkcentss/status/1992466454617501986)  2025-11-23T05:33Z 63.2K followers, 336.8K engagements


"South Africa is the gateway into Africa"  
[X Link](https://x.com/talkcentss/status/1992889151000342628)  2025-11-24T09:32Z 63.2K followers, 78.6K engagements


"The Top XX companies in South Africa combined have a market capitalization of: ( R20.4 trillion ) Thats equivalent to $. ( USD/ZAR = XXXXX ) : The US has X individual companies that are worth more than the entire Top XX companies in S.A 🤯 They are Nvidia ( $. ) Apple ( $. ) Alphabet ( $. ) Microsoft ( $. ) Amazon ( $. ) Broadcom ( $. ) Meta ( $. ) Tesla ( $. )"  
[X Link](https://x.com/talkcentss/status/1993913531280904677)  2025-11-27T05:23Z 63.2K followers, 30.3K engagements


"Since September 2023    ✅Harmony Gold ✅Northam Platinum ✅ Valterra Platinum ✅Tiger Brands X Companies were removed ❌Anglo American Platinum ❌Aspen Pharmacare ❌ Woolworths ❌Exxaro Resources"  
[X Link](https://x.com/talkcentss/status/1994427081430827349)  2025-11-28T15:24Z 63.3K followers, 10K engagements


"@StockWaveNews Which one do you invest R10k in for the next X years And why Monday morning you have to choose"  
[X Link](https://x.com/talkcentss/status/1994743187802632403)  2025-11-29T12:20Z 63.2K followers, XXX engagements


"These X Groups oversee a   . across South Africa and Africa. Within their Groups there are divisions catering to smaller economic segments across different businesses within South Africa and Africa. A large portion of that asset base is in South Africa and   ;  "  
[X Link](https://x.com/talkcentss/status/1995046283732791803)  2025-11-30T08:24Z 63.2K followers, 92.8K engagements


"Here is how many employees each bank employs within South Africa: 🏦FirstRand = 🏦Standard Bank = 🏦 ABSA = 🏦Nedbank = 🏦Capitec = :"  
[X Link](https://x.com/talkcentss/status/1995057005388853729)  2025-11-30T09:07Z 63.2K followers, 19.2K engagements


"( South Africa ) Standard Bank remains king with .%    . However FirstRand is performing across multiple metrics this incumbent is likely to take more market share going forward. Just have a look at their Corporate Deposits -  . - 🔸Standard Bank: XXXX% XXXX% 🔴 🔸 FirstRand: XXXX% XXXX% 🟢 Where are you Capitec 🤪"  
[X Link](https://x.com/talkcentss/status/1995433003523391879)  2025-12-01T10:01Z 63.2K followers, 6974 engagements


"1/ Back Story        designed to create one unified streamlined framework for overseeing how all financial institutions conduct themselves. The reform process started with a policy paper around 2014 and by 2017 the Financial Sector Regulation Act (FSR Act) was enacted officially establishing the two new regulators that underpin the system: 🏦The Prudential Authority 🏦Financial Sector Conduct Authority"  
[X Link](https://x.com/talkcentss/status/1995769407973495187)  2025-12-02T08:18Z 63.2K followers, 10.5K engagements


"/   COFI = Conduct of Financial Institutions The Financial Sector Conduct Authority (FSCA) is leading the charge on South Africas Conduct of Financial Institutions Bill ( ) which will overhaul the countrys market-conduct rules for financial institutions.   Instead of regulating each sector separately (banks insurers pension funds investment firms advisors etc.)     . Think: same rules for the same behavior"  
[X Link](https://x.com/talkcentss/status/1995769410875994122)  2025-12-02T08:18Z 63.2K followers, 9578 engagements


"/   Think of the current system as a amaze it has multiple different laws standards and lots of loopholes. COFI cleans this up by giving every financial institution the same fair treatment standard to follow.      "  
[X Link](https://x.com/talkcentss/status/1995769413065474459)  2025-12-02T08:18Z 63.2K followers, 8946 engagements


"/  Firms currently regulated under a variety of laws will need to re-register or re-license under COFI once it becomes law. Entities that operate across multiple financial activities will need to map exactly which activities they perform to know what licenses they need"  
[X Link](https://x.com/talkcentss/status/1995769416579989504)  2025-12-02T08:18Z 63.2K followers, 8397 engagements


"/   ./    : they must treat customers fairly provide clear information and design products responsibly. ./ - : Instead of licenses tied to broad sectors or product categories COFI licenses correspond to specific activities (advice payments fund management etc.). ./   . Financial firms will face clearer rules around how they manage client assets how they advise clients how they market products etc ./  - . Retirement funds banks insurers fintech and all kinds of institutions will operate under a common code of conduct improving fairness and reducing regulatory arbitrage"  
[X Link](https://x.com/talkcentss/status/1995769421021737457)  2025-12-02T08:18Z 63.2K followers, 6001 engagements


"6/   As of 2025 the COFI Bill has received certification from the relevant legal advisers and is expected to be submitted to Cabinet then to Parliament soon.     . __________________________________ Regulators such as the Financial Sector Conduct Authority (FSCA) are already preparing for it. The transition will be phased giving institutions time to adapt licensing compliance and governance structures"  
[X Link](https://x.com/talkcentss/status/1995769424016802146)  2025-12-02T08:18Z 63.2K followers, 4971 engagements


"/   Digital payments and fintech innovation are exploding but all this innovation needs clarity and a blue print. SARB + FSCA want a framework that encourages competition without putting the financial system at risk.   . _________________ Under COFI you dont get just get licensed as a bank or an insurer. You get licensed for specific activities: 🟠Giving Advice 🟠Holding Client funds 🟠Issuing Financial products 🟠Payments 🟠Investments ✅COFI brings clear modern rules for digital wallets payment apps online platforms and crypto-adjacent services. ✅If you perform a financial activity you get"  
[X Link](https://x.com/talkcentss/status/1995769426269089831)  2025-12-02T08:18Z 63.2K followers, 4729 engagements


"*** *** 1/ Instead of having many different laws governing different types of institutions (banks insurers pension funds investment firms advisors etc.) COFI aims to consolidate those into a single activity-based conduct-focused regulatory framework. 2/ The bill is expected to be introduced to the Cabinet around the end of 2025 or early 2026. /      -       . 4/ It will consolidate and replace numerous existing sector-specific laws"  
[X Link](https://x.com/talkcentss/status/1995769429796291068)  2025-12-02T08:18Z 63.2K followers, 4789 engagements


"'  South Africa is seeing rapid growth in non-bank financial service providers including payment services alternative financial institutions & crypto exchanges all aimed at widening financial inclusion. Read more 🔻"  
[X Link](https://x.com/talkcentss/status/1996126032383148353)  2025-12-03T07:55Z 63.3K followers, 52.3K engagements


"/  Arif Ismail stated:        .          Non-banks offering e-wallets must follow strict rules: 🔒Funds must be ring-fenced in separate trust accounts at banks. This is to ensure that business funds and customers funds are not mixed. 🔒Maintain capital requirements on customer balances (liabilities). 🔒21 regulatory safeguards to ensure funds are protected Mr. Ismail went further and stated;      .      ". "          ( ) "  
[X Link](https://x.com/talkcentss/status/1996126048682213528)  2025-12-03T07:55Z 63.2K followers, 2071 engagements


"/  ✅SARB handles prudential security and systemic risk issues. ✅The FSCA may add conduct-related regulation especially as the COFI Bill becomes law. Read more about the COFI Bill 🔻"  
[X Link](https://x.com/talkcentss/status/1996126051886661949)  2025-12-03T07:55Z 63.2K followers, 2564 engagements


"@franksy_franks You telling me none of this is true"  
[X Link](https://x.com/talkcentss/status/1996382584084041935)  2025-12-04T00:54Z 63.2K followers, XXX engagements


". Here is how a **    () helped the Greyvenstein family grow two iconic South African Brands. 🔻"  
[X Link](https://x.com/talkcentss/status/1996586485215359310)  2025-12-04T14:24Z 63.2K followers, 46K engagements


"While in Bangkok we had a breakfast and a cold-pressed juice each. = - Total = 1331 baht Dollar = $XXXXX - In an upmarket area. Delicious but costly"  
[X Link](https://x.com/talkcentss/status/1997167392137662625)  2025-12-06T04:53Z 63.2K followers, 43.7K engagements


"🎙 The South African Reserve Bank (SARB) is the oldest central bank in Africa. It was because traders were arbitraging Gold that the SARB came into existence. Watch here 🔻"  
[X Link](https://x.com/talkcentss/status/1997599149852930350)  2025-12-07T09:28Z 63.2K followers, 5108 engagements


"The Beer with the Longest and Proudest Heritage in South Africa    Read more 🔻"  
[X Link](https://x.com/talkcentss/status/1997600058943144167)  2025-12-07T09:32Z 63.2K followers, 12.1K engagements


"1.6/   There is usually a penalty for using more than XX% of your credit card limit. Ensure you stick to below that threshold and pay it off in full each month. This is good in the eyes of the lender. If you want to use more than the XX% threshold then look to increase your credit limit. If your limit is higher that will naturally lift the XX% threshold. - This doesnt mean you can only use XX% of your limit you can use more if you wish to do so. But using below that amount shows that you arent too reliant on needing debt to cover your running costs and it shows that you manage your cashflow"  
[X Link](https://x.com/talkcentss/status/1998363528647016660)  2025-12-09T12:06Z 63.2K followers, 1283 engagements


"has become the latest buzzword. It is now firmly part of everyday language used by everyone from central bankers and policymakers to fintech companies. Its the word I see in all documents. What does this tell us"  
[X Link](https://x.com/talkcentss/status/1998639093434233182)  2025-12-10T06:21Z 63.2K followers, 3488 engagements


"@StockWaveNews Pepkor is an interesting play. Its on my watchlist for now"  
[X Link](https://x.com/talkcentss/status/1998721189230031138)  2025-12-10T11:47Z 63.3K followers, XXX engagements


"@mommy_moneyza Pepkor has a lot on offer. Been reading up on their lending side of the business a lot more"  
[X Link](https://x.com/talkcentss/status/1998721454448455999)  2025-12-10T11:48Z 63.3K followers, XXX engagements


"Only two stocks in the clothing retail category that interests me is PEPKOR because of the mass market penetration and entry into financials. Then possibly Truworths for the dividend play. ( but also not so excited about that). Overall not a particular sector Id feel comfortable investing into. Never really been excited about Mr Price"  
[X Link](https://x.com/talkcentss/status/1999763146211537188)  2025-12-13T08:47Z 63.2K followers, XX engagements


"The XX largest listed entities on the Johannesburg Stock Exchange (JSE) have a   .: 💰Prosus ( . ) 💰BHP Group (. ) 💰British American Tob ( . ) 💰Richemont ( . ) 💰AB INBEV ( . ) 💰Glencore ( . ) 💰Naspers ( . ) 💰Anglo American PLC ( . ) 💰AngloGold Ashanti ( . ) 💰Gold Fields ( . ) These ten companies alone account for roughly %   "  
[X Link](https://x.com/talkcentss/status/1994663773530198475)  2025-11-29T07:04Z 63.3K followers, 18.7K engagements


"Capitec Bank has confirmed that it has entered into a binding agreement to acquire Walletdoc Holdings a fintech founded in 2015. They plan to      comprising an upfront cash payment of R300 million and a deferred earn-out of R100 million.     including online and in-app payments digital wallets Instant EFT payment links and real-time payouts. The acquisition forms part of Capitecs         while building a more competitive and inclusive payments ecosystem in South Africa"  
[X Link](https://x.com/talkcentss/status/1997967610856747305)  2025-12-08T09:52Z 63.3K followers, 50.4K engagements


"** ** if you are in a position of surpluses look to use credit cards in a beneficial way to help boost your savings 🟠Credit cards are tools 🟠Can be both Good & Bad 🟠Using the banks money 🟠Safer to Transact with 🟠Potential for rewards & Discounts"  
[X Link](https://x.com/talkcentss/status/1998363538734407974)  2025-12-09T12:06Z 63.3K followers, 1493 engagements


"🩸 Clothing retailers are down sharply year to date as the market turns negative on the sector. Weak consumer demand and tougher trading conditions have weighed on share prices with investors reassessing earnings expectations. 🩸Woolworths = (-.%)🔴 🩸Truworths = (-.%)🔴 🩸My Price = (-.%) 🔴 🩸Foschini Group = (-.%) 🔴 🩸Pepkor = (-.%)🔴 A major concern is earnings compression as competition from low-cost global players like Shein and Temu intensifies"  
[X Link](https://x.com/talkcentss/status/1998715402998931798)  2025-12-10T11:24Z 63.3K followers, 12.2K engagements


"Investors have rotated toward - assets as global uncertainty persists giving gold producers an extra tailwind. Gold miners have had  -   . Driven by record-high gold prices and improved operational stability. 🏆DRD Gold = % 🏆Pan African Resources = % 🏆Harmony Gold = % 🏆AngloGold Ashanti = % 🏆Gold Fields = % Stronger cash flows better cost management and rising production guidance from several majors have reinforced confidence in the space. Gold is still trading near all-time highs and the sector continues to attract attention from both traders and long-term holders"  
[X Link](https://x.com/talkcentss/status/1999395923890512035)  2025-12-12T08:28Z 63.3K followers, 2677 engagements


"M  He worked as a shelf packer at his local Shoprite after finishing matric in 2016. He then went on to complete his BSc in Computer Science and Mathematics graduate from North-West University. - It was in 2021 when deciding to pursue his Honours in Computer Science that he saw       . His bursary and commitment to finishing his studies ensured he had employment with Shoprite he was later placed within the organization"  
[X Link](https://x.com/talkcentss/status/1865678736970121343)  2024-12-08T08:44Z 63.3K followers, 256.4K engagements


"What is the biggest financial mistake you have ever made"  
[X Link](https://x.com/talkcentss/status/1976166438764412999)  2025-10-09T06:02Z 63.3K followers, 1.4M engagements


"Johannesburg Pretoria and Cape Town Image created by Nano Banana @NanoBanana"  
[X Link](https://x.com/talkcentss/status/1996828829902688686)  2025-12-05T06:27Z 63.3K followers, 21.7K engagements


"Here is the  to use a credit card this December.  🔻"  
[X Link](https://x.com/talkcentss/status/1998363485709930651)  2025-12-09T12:05Z 63.3K followers, 28.2K engagements


"The main Banking Groups in South Africa have a   . Their historical returns over the last X years (excluding dividends): 💰Standard Bank = % 🟢 💰FirstRand = % 🟢 💰ABSA = % 🟢 💰Nedbank = % 🟢 💰Capitec = % 🟢 Between these X entities they oversee a   . across South Africa Africa and a few other regions abroad"  
[X Link](https://x.com/talkcentss/status/1998987637307441597)  2025-12-11T05:26Z 63.3K followers, 6988 engagements


"Converted to Rand 💰Poor = 💰 Low income = 💰 Stably paid = 💰 Middle class = 💰 Comfortable = R153000 💰 Upper middle = R204000 💰 Wealthy = R425000 💰 Rich = R1.3 million Realities are completely different"  
[X Link](https://x.com/talkcentss/status/1999751092121502064)  2025-12-13T07:59Z 63.3K followers, 118.4K engagements


"@thestockwhale @realMavryk Current CEO is Malaysian who was also the co-founder and where grab (MyTeksi) originated"  
[X Link](https://x.com/talkcentss/status/1999832102888738864)  2025-12-13T13:21Z 63.3K followers, XX engagements