South Africa’s economic outlook softened over the quarter, with GDP contracting more than expected (-0.2% QoQ) in Q2. Inflation reversed...
Credit Stress Report 2026 Q2 is now available
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Resources
Credit
From Fees to Interest: How Banks Are Changing the Savings Conversation
If you’ve been paying attention to financial institution adverts recently, you may have noticed that instead of competing on fees, rewards...
Young Consumers Face Mounting Credit Stress in South Africa
As South Africa commemorates Youth Day in June, the spotlight turns to a generation entering adulthood under increasingly constrained economic...
Credit Stress Report 2026 Q1 is now available
Economic fundamentals continued to improve in the first quarter of 2026, as the geo-political situation deteriorated South Africa’s economic outlook...
The Golden Years on Credit: Financial behaviours of an aging population – deep dive into 2025 Q4 Credit Data
Read the Business Report article here: The golden years on credit Download the Credit Stress Report The number of South Africans in their...
Credit Stress Report 2025 Q4 is now available
Improving economic fundamentals but continued credit stress, particularly among seniors Retailers speak to the final quarter of the year as the...
Vehicle Asset Finance sees recovery as credit terms change significantly
Read the BusinessTech article here: Major win for South Africa’s middle class The third quarter of 2025 saw continued credit expansion from the...
Credit Stress Report 2025 Q3 is now available
Economic sentiment remains cautious in the face of mixed indicators: real GDP increased by 0.8% and unemployment fell by nearly 4%...
Gambling with your future: The impact of gambling on the SA economy
Listen to The Money Show interview here: The growing footprint of gambling in South Africa, What Does the US-China Trade Truce Mean for Global...
South African credit market sees largest QoQ growth since Covid
Following years of slow growth in credit participation post pandemic, South Africa’s second quarter of 2025 marked its most significant...
Credit Stress Report 2025 Q2 is now available
Read the BusinessTech article here: South Africa’s richest people are drowning in debt This quarter saw divergent signals for consumer pressure,...
South Africa’s savings landscape – access, risk & opportunity
Listen to the CapeTalk interview here: South Africa’s savings landscape While South Africans have historically struggled with savings, several...
South African Youth in Numbers: Debt, hustles and hope
Listen to the Kaya Biz interview here: Kaya Biz, 17 Jun YOUTH & DEBT- With 6.7 million youth aged 18-24, only 1 million are credit active South...
Thin File Clients in South Africa’s Financial Landscape
Watch the eNCA interview here: Cost of living | 700,000 new credit individuals added in Q1 – eNCA In South Africa, credit touches the lives of...
Credit Stress Report 2025 Q1 is now available
Listen to the Kaya Biz interview here: South Africans earning over R30,000 or more are also struggling Download the Credit Stress Report Eighty20,...
Generational Credit Trends: Insights from Millennials to Boomers
Watch the eNCA interview here: Discussion | How credit evolves at different life stages – eNCA Download the Credit Stress Report How credit...
Credit Stress Report 2024 Q4 is now available
Download the Credit Stress Report Eighty20 has released its 2024 Q4 Credit Stress Report in collaboration with Xpert Decision Systems (XDS). The...
Credit Stress Report 2024 Q3 is now available
Download the Credit Stress Report Eighty20 has released its 2024 Q3 Credit Stress Report in collaboration with Xpert Decision Systems (XDS). The...
Debt counselling can ease credit stress, but uptake remains low
Download the Credit Stress Report With the festive season upon us, economic indicators in South Africa are shining brighter than in many years,...
Understanding short-term insurance habits
Read the Bizcommunity article here: Navigating short-term insurance: Insights into SA’s consumer behaviour How South Africans prioritise...
High cost of car ownership keeps 1.9 million car finance holders stagnant
Read the Daily Maverick article here: Financing costs and prices slam brakes on SA’s new car sector The demand for new vehicles falls There are...
Unchanged interest rates see rental market boom
Potential lift in 2025 for the property sector In March, the South African Reserve Bank (SARB) decided to hold the repo rate unchanged at a 15 year...
Cautious optimism to be applied to the credit sector
Download the Credit Stress Report Read the Daily Maverick article here: After the Bell: I owe, I owe, it’s off to the sea of household debt I go...
Credit Stress Report 2023 Q4 is now available
Download the Credit Stress Report The Eighty20/XDS Credit Stress Report 2023 Q4 is now available. Quarter four 2023 CSR report outlines developments...
Q3 2023 shows small signs of positive developments in the consumer credit market
Download the Credit Stress Report In addition to the good news on the rugby field, it would appear from Eighty20’s 2023 Q3 Credit Stress Report,...
Credit Stress Report 2023 Q3 is now available
Download the Credit Stress Report The Eighty20/XDS Credit Stress Report 2023 Q3 is now available. Quarter three 2023 shows small signs of positive...
While key consumer credit metrics continue to deteriorate, there are some encouraging signs
Listen to 702’s interview here: Consumer credit metrics continue to deteriorate with some encouraging signs Challenging Q2 2023, but...
Credit Stress Report 2023 Q2 is now available
Download the Credit Stress Report The Eighty20/XDS Credit Stress Report 2023 Q2 is now available. It has been a long, cold winter in South Africa,...
Increased credit stress crippling even the wealthiest
Download the Credit Stress Report Economic conditions leaves both struggling and wealthy South Africans spiralling into debt As South Africans began...
Credit Stress Report 2023 Q1 is now available
Download the Credit Stress Report The Eighty20/XDS Credit Stress Report for the first quarter of 2023 looks at the impact of economic forces on the...
