Moonstone

AI errors in court: compliance lapses carry real legal consequences. Read more: moonstone.co.za/ais-jagged-fro… #AI #AItools #artificialintelligence #BakerMcKenzie #citations #DraftNationalArtificialIntelligencePolicy #hallucinatedcontent #jaggedfrontier #largelanguagemodel #lawfirms #legalpractice #legalrisk #LLM

Downside risk back in focus: avoiding losses now key to returns. Read more: moonstone.co.za/avoiding-perma… #behaviouralrisk #capitalloss #concentrationrisk #diversfication #downsiderisk #indexinvesting #investing #mispricing #offshoreexposure #portfolioconstruction #StonehageFlemingInvestmentManagement #valuations

Financial advice evolves: empathy now as critical as expertise. Read more: moonstone.co.za/the-evolution-… AI #artificialintelligence #clientrelationships #financialadvice #financialadvisers #financialplanning #lifecoaching #roboadvisers #MomentumFinancialPlanning

Financial advice evolves: empathy now as critical as expertise. Read more: moonstone.co.za/the-evolution-… AI #artificialintelligence #clientrelationships #financialadvice #financialadvisers #financialplanning #lifecoaching #roboadvisers #MomentumFinancialPlanning

Crypto draft rules: more control, more risk – major gaps flagged. Read more: moonstone.co.za/commentators-f… ACASPs #authorisedcryptoassetserviceproviders #BitcoinZARAdvocacyGroup #Bowmans #capital #CASPs #crossbordertransactions #cryptoassets #cryptoassetserviceproviders #cryptotransactions #CurrencyandExchangesAct #draftCapitalFlowManagementRegulations #ENS #exchangecontrol #ExchangeControlRegulations #FinancialIntelligenceCentre #FinancialSectorConductAuthority #Luno #NationalTreasury #SARB #SouthAfricanReserveBank #VALR #Werksmans

Clientèle proposes delisting, offers 25.47% premium to shareholders. Read more: moonstone.co.za/clientele-prop… #AcaciaEmpowermentInvestments #AEI #Clientèle #delisting #embeddedvalue #EV #insurance #JSE #repurchaseoffer #shareholders

SIU uncovers systemic municipal failures – recovery still minimal. Read more: moonstone.co.za/siu-findings-e… #SIU #SCOPA #municipalcorruption #localgovernment #publicfinance #governancefailure #accountability #procurementirregularities #financialmisconduct #municipalfinance #fraudinvestigation #MFMA #servicedelivery #financialdistress #assetrecovery #NPA #publicaccountability #auditfindings #forensicinvestigations #statecapture #StandingCommitteeonPublicAccounts #SpecialInvestigatingUnit #NationalProsecutingAuthority #MunicipalFinanceManagementAct

RCR due 30 June – does your business fall under ‘credit provider’? Read more: moonstone.co.za/are-you-a-cred… #accountableinstitutions #creditproviders #Directive11 #FIC #FICA #FinancialIntelligenceCentre #FinancialIntelligenceCentreAct #MoonstoneCompliance #NationalCreditAct #NCA #PCC23A #PublicComplianceCommunication23A #RCR #RiskandComplianceReturn #riskindicators #webinar

2026 tax season: key SARS deadlines and who can skip filing. Read more: moonstone.co.za/sars-publishes… #2026taxfilingseason #autoassessments #companies #individualtaxpayers #provisionaltaxpayers #SARS #SouthAfricanRevenueService #taxreturns #trusts

Honour the hands that build, the voices that demand better, and the courage that came before us. Respect the journey. Remember the struggle. Happy Workers’ Day.

Sanctions don’t automatically trigger force majeure – contracts and law decide. The rise of sanctions is testing force majeure clauses, with outcomes hinging on drafting precision and legal context. Read more: moonstone.co.za/does-force-maj… #arbitraltribunals #arbitration #BöckstiegelRules #causation #commercialparties #contractualobligations #forcemajeure #forcemajeureclaims #foreseeability #geopoliticaltensions #riskallocation #sanctions #WebberWentzel

Cancelling your trip? Many claims don’t qualify – here’s why. Understanding the limits of cancellation insurance is key to avoiding unexpected losses on non-refundable travel bookings. Read more: moonstone.co.za/trip-cancellat… #CancelforAnyReason #cancellationinsurance #cruises #flighttickets #insurance #nonrefundabletravelcosts #prepaidaccommodation #safaris #SantamTravelInsurance #tourpackages #travelinsurance

Court: conduct – not contracts – determines liability under CPA. The judgment shows that misleading representations and failing to disclose material facts can ground liability, regardless of contractual terms. Read more: moonstone.co.za/high-court-rei… #HighCourt #ConsumerProtectionAct #CPA #NationalConsumerTribunal #NCT

Africa’s first: Santam puts entire insurance engine in the cloud. The move of its Guidewire platform marks a change in how policies and claims are processed and managed. Read more: moonstone.co.za/santam-shifts-… #Santam #cloudmigration #insurancetechnology #Guidewire #digitaltransformation #insurtech #shortterminsurance #SouthAfricafinance #datainfrastructure #AIininsurance #claimsprocessing #policymanagement #financialservices #techinfinance #insuranceinnovation #cloudcomputing #brokersystems #customerexperience #operationalresilience #financialsector

FirstRand won’t challenge UK scheme – despite £750m hit and fairness concerns. The group rules out litigation, despite maintaining that the scheme is unfair and disproportionate. Read more: moonstone.co.za/firstrand-wont… #AldermoreGroup #commission #FCA #FinancialConductAuthority #FirstRand #lenderpaidcommission #MotoNovo #motorfinance #redressscheme

Fintech is scaling fast – but growth alone won’t be enough to compete. Rapid growth in South Africa’s fintech sector is giving way to a tougher phase shaped by regulation, competition, and the race for customer trust. Read more: moonstone.co.za/fintech-is-boo… #buynowpaylater #fintech #digitalpayments #BNPL #embeddedfinance #financialservices #fintechregulation #paymentsinnovation #crossborderpayments #PAPSS #AfCFTA #digitalbanking #financialinnovation #AIinfinance #fintechgrowth #fintechAfrica #startupfunding #financialmarkets #riskmanagement #FINASA #FintechAssociationofSouthAfrica #PanAfricanPaymentandSettlementSystem #COFI #ConductofFinancialInstitutionsBill #PaymentsEcosystemModernisationProgramme

PA warns: AI is shrinking the gap between vulnerability and attack. Financial institutions must move beyond monitoring and focus on resilience, containment, and recovery under compressed timelines. Read more: moonstone.co.za/prudential-aut… #AI #artificialintelligence #cyberattacks #cyberrisk #financialinstitutions #frontierAI #JointStandardonCybersecurityandCyberResilience #PA #PrudentialAuthority #softwarevulnerabilities

SCOPA warns: court ruling could trigger influx of blocked RAF claims. SCOPA says the RAF 1 form may have kept claims out of the system, leaving the Fund exposed to a wave of unrecognised liabilities if it is set aside. Read more: moonstone.co.za/raf-faces-clai… #RAF #RAF1Form #SCOPA #RoadAccidentFund #claimsprocess #financialliability #StandingCommitteeonPublicAccounts #litigationcosts #governancefailure #accountingstandards #IPSAS42 #GRAP #AuditorGeneral #legalrisk #accesstojustice #publicfinance #parliamentaryoversight #stateliability #insuranceclaims #ICMS #IntegratedClaimsManagementSystem

Watch Moonstone Update for an overview of some of the stories covered in the past week’s Investment Indicators and Moonstone Monitor. •ConCourt ruling expands GAAR reach and raises investor risk •Tax Court clarifies VAT treatment of cashback and fee rebates •Draft AI policy scrapped after fake citation findings •Discipline, not distress: South Africans rethink how they spend •Fintech is booming – but regulation, risk, and trust will decide who wins Watch full video: youtu.be/4bpov2Jjs0Y #Absa #avoidancearrangement #ConstitutionalCourt #GAAR #generalantiavoidancerules #IncomeTaxAct #SARS #SouthAfricanRevenueService #tax #taxation #taxbenefit #taxpayers

First payouts land for glu members – boosted by early-join incentives. The R1.78m payout reflects both underlying performance and a founding-member booster designed to accelerate early value. Read more: moonstone.co.za/glu-declares-f… #carinsurance #criticalillnesscover #disabilitycover #financialservices #glu #homeinsurance #incomeprotection #insurance #lifeinsurance #longterminsurance #mutualinsurance #mutuality #nonlifeinsurance #PPS #ProfessionalProvidentSociety #ProfitBack #ProfitBackBooster #profitshare #shortterminsurance