Group profile

Transaction Capital

Transaction Capital owns businesses that operate in highly specialised and under-served segments of the South African and Australian financial services markets.

Transaction Capital's two market-leading divisions are diversified and scalable business platforms that leverage their specialised expertise, proprietary data and technology to create value for customers. Positioned deliberately in relation to socio-economic dynamics, both are highly defensive businesses able to deliver good commercial returns and positive social impact in different economic conditions. Each division has an entrepreneurial, innovative and experienced management team, and operates according to a mature governance framework.


SA Taxi

SA Taxi is a vertically integrated business platform, providing a comprehensive financial, insurance and allied services offering to minibus taxi operators. The division offers a unique blend of vehicle and part procurement, retail, repossession and refurbishment capabilities with asset-backed developmental finance and insurance specifically designed for the minibus taxi industry.

See the SA Taxi review.


Transaction Capital Risk Services

TCRS is a technology-led, data-driven provider of customer management solutions in South Africa and Australia. The division's scalable and bespoke fintech platform, combined with its technology and proprietary data, enables it to mitigate risk and maximise value for clients throughout the customer engagement lifecycle.

See the TCRS review.


TO SUSTAINABLY CREATE VALUE FOR ITS SHAREHOLDERS, TRANSACTION CAPITAL'S ACTIVITIES INCLUDE:

DRIVING STRATEGY, GROWTH AND PERFORMANCE
  • Strengthen the leading market positions and scale of its divisions by enhancing and refining the specialist capabilities required to achieve deeper vertical integration in current market segments, and to enter complementary market segments.
  • Invest unrelentingly in innovative strategic initiatives and ensure precise implementation, to consistently achieve high organic earnings and dividend growth over the medium term, despite the adverse environment.
  • Maintain an acute focus on quality of earnings and cash conversion rates.
MANAGING THE ADEQUACY AND DEPLOYMENT OF CAPITAL
  • Judiciously invest equity capital, conservatively leveraged with local and international debt, in accurately assessed asset classes that achieve superior risk-adjusted returns.
DELIVERING A STRONG PIPELINE OF FUNDING
  • Leverage its ability to manage the credit and investment risk associated with its chosen market segments to a level acceptable to funders, to secure uninterrupted access to local and international funding pools.
  • On this basis, serve as a conduit to attract capital from local and international funders to be applied into its asset classes.
 
OVERSEEING THE MANAGEMENT OF CREDIT, INVESTMENT, OPERATIONAL AND REGULATORY RISKS
  • Apply its specialist capabilities to manage credit risk that arises due to the nature of its chosen market segments, and manage investment risk when allocating capital.
  • Assist divisional management in identifying and reducing operational risk, including insurance risk, to increase the efficiency and effectiveness of the group's resources, minimise operational losses and exploit opportunities.
  • Manage uncertainty and the cost of compliance due to the constant evolution of financial services regulations, which requires awareness of, preparation for, and participation in legislative developments. This includes supporting transformation objectives in South Africa and assessing progress against the revised Broad-Based Black Economic Empowerment Codes of Good Practice.
ENSURING HIGH-CALIBRE TALENT TO DRIVE A HIGH-PERFORMANCE CULTURE
  • Motivate, engage, develop and reward high-calibre people to differentiate the group through its intellectual capital.
  • Foster innovation, cultivate leadership and sustain a high-performance culture.
  • Support its entrepreneurial management teams in the precise implementation of new initiatives to drive growth.
ENSURING THE GROUP AND ITS DIVISIONS OPERATE ACCORDING TO A MATURE GOVERNANCE FRAMEWORK
  • Ensure governance outcomes of ethical leadership, effective control, good performance and legitimacy.
  • Ensure that strategy and its implementation harmonises the interests of all stakeholders to protect and create value.