Wales are the final Test of the year, in more ways than one. Coach Rassie Erasmus picked a 7-1 nuke squad because he only has one extra backline player, Andy Capostagno tells Toby Shapshak. Read more on Stuff.

Are you paying to own something or to have access to it, Teljoy CEO Jonathan Hurvitz tells Stuff editor-in-chief Toby Shapshak. The South African company pioneered the subscription model decades before Netflix and Spotify made this business model mainstream. Read more on Stuff.

Microsoft will invest R5.4bn over the next two years in South Africa on AI and cloud infrastructure. Vice chair and president Brad Smith , tells Stuff editor-in-chief Toby Shapshak it will help the country’s “ambition to become a globally competitive AI economy”. Read more on Stuff.

“We have to push back on the idea that AI is smarter than us,” Scott Hanselman, Microsoft’s vice-president of developercommunity, tells Stuff editor-in-chief Toby Shapshak. “It’s artificial but it’s not real intelligence,” he adds. “We are real intelligence.” Along with Pelonomi Moiloa, CEO and co-founder of Lelapa AI, they talk about how AI is being practically used. Read more onStuff.

As scammers lean into the psychology of human nature to scare or shame people into giving up security information, Standard Bank is using another form of psychology to upskill people to avoid phishing and vishing: good, old-fashioned fairy tales. Dr Belinda Rathogwa, executive head of digital and ecommerce for personal and private banking at Standard Bank South Africa, tells Stuff editor-in-chief Toby Shapshak about this novel approach to educating people. Read more on Stuff.

Given how the startup space in South Africa has blossomed, Old Mutual has launched its own tech venture fund to support this dynamic sector, says Vuyo Mpako, who is MD of Next 176 at Old Mutual. Two successful startups in his stable are Ken Health and JOBJACK, he tells Stuff editor-in-chief Toby Shapshak. Read more on Stuff.

Risk isn’t a word that consumers often use, but banks are obsessed with it – as they should be, Emma Mer, Chief Risk Officer at FNB, tells Stuff editor-in-chief Toby Shapshak. Read more on Stuff.

Digital wallets have rapidly become the default means for anyone with a smartphone to use for contactless payments. But are these payment methods have become more sophisticated, so have the criminals, FNB Card’s head of fraud Chris Boxall tells Stuff editor-in-chief Toby Shapshak. Read more on Stuff.

Any conversation with Dr Christoph Nieuwoudt – FNB’s chief data and analytics officer – is always a meandering journey across a range of fields. He delves into how artificial intelligence is a game changer, and specifically about the immediate gains of generative AI, he tells Stuff editor-in-chief Toby Shapshak. Read more on Stuff.

Where credit cards replaced cheques, virtual cards have replaced plastic ones. But the evolution of payments isn’t over yet, as its contactless future shows, as Ashley Saffy, head of spend and customer value management at FNB Card, tells tuff editor-in-chief Toby Shapshak. Read more on Stuff.