<p>Changing consumer behaviour and a lack of storage means people are turning to so-called super apps like Nedbank’s Avo and Moya.app. There apps provide more than one service – including messaging, news and a marketplace – and are increasingly popular. Lentell discusses how Moya.app has grown to 10m customers, while Maharaj tells Stuff Studios editor-in-chief Toby Shapshak about is the first super app launched by a bank, Avo. Read more on <a href="https://stuff.co.za/">Stuff</a>.</p>

Financial inclusion starts with being able to make payments, with Google’s Paul Mayanja and Nedbank’s Mutsa Chironga – T2S2

Toby Shapshak writes and speaks about how innovation, especially fintech, is better in Africa. His TED Global talk has over 1,5-million views. He is editor-in-chief of Stuff, a Forbes senior contributor and a Business Day columnist. 
He has covered tech, mobile and Africa's tech and start-up ecosystem for 20 years, including for Forbes, CNN and The Guardian.
Named in GQ's top 30 men in media and Mail &amp; Guardian newspaper's influential young South Africans, GQ said Shapshak "has become the most high-profile tech journalist in the country".