Our guest today is Karl Westvig. Karl founded Retail Capital. It provides working capital finance to small businesses to allow them to take advantage of business growth opportunities. In 1999, he founded the RCS Group and helped build it into one of the largest consumer finance businesses in South Africa with debtors in excess of R2.5bn. Karl’s specialties include Financial Inclusion, Consumer and SME Finance in Africa, Credit Scoring, Risk Management and Entrepreneurship.