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How fintech, real-time data and retail tech are redefining loyalty in South Africa

As South African consumers navigate rising living costs and persistent economic pressure, loyalty programmes have evolved from “nice-to-have” perks into essential value engines.
At the same time, fintech innovation, real-time data and AI-powered retail technology are converging to reshape what loyalty looks and feels like.

Thabiso Msimanga, head of Customer at X, Bigly Labs by Dis-Chem, is the strategic mind behind one of the most recent forward-thinking shifts in local retail and fintech, bringing a blend of confidence, precision and cultural fluency that reflects a new generation of innovators.

Dis-Chem’s revamped Better Rewards programme marks a significant leap in how loyalty, fintech and data intersect to build a new digital value economy.

Powered by smart integration with Capitec and advanced backend systems, Better Rewards enables rewards to move as seamlessly as money delivering frictionless, real-time discounts that transform traditional loyalty into a dynamic financial experience.