• There is a plethora of apps these days that give us a mobile means of investing and managing our money. Bitcoin and cryptocurrencies grab the headlines, but there are also apps that give direct and indirect access to stocks, index-tracking funds, and rainy-day savings.

  • The South African Reserve Bank, like many other central banks, are exploring their own digital currencies. Do not mistake them for independent cryptocurrencies, however. They decrease freedom, instead of increasing it.