Here’s a column based on the talk I gave at the amazing gathering of splendid people known as GeekRetreat last weekend. It argues that the most important hurdle to a universal online and mobile payment system that serves all South Africans is one law, namely the law against deposit-taking by non-banks.

Also published this week, a report on GeekRetreat for TechCentral, with details on two of the technology ideas that emerged.

(For some reason, this wasn’t published when it should have been, last week…)

How long can a columnist avoid the subject of our great leader of youth, Julius Malema? I don’t know. My experiment in this regard came to an end today. So here it is, published by The Daily Maverick. The alert reader will note some evidence that there was some discussion this morning about what the headline should be.