What's Next - Jolandé Duvenage on how South Africans are changing their money habits

Financial pressure is changing how South Africans save, spend, buy homes, and build additional income streams — but it has not killed their ambition.

Jolandé Duvenage, Value Ecosystems and CX CEO at FNB, shares what a decade of customer behaviour on FNB nav» reveals about how people are adapting to rising living costs and greater financial uncertainty.

She explains why customers increasingly want guidance rather than simply banking products, and how progress is shifting towards smaller, more deliberate financial decisions. The discussion covers savings goals, home ownership, side hustles, financial resilience, and how younger South Africans are navigating work and money differently.

Duvenage also explains how nav» is evolving to connect money management, property, entrepreneurship, sustainability, and other life decisions. Looking ahead, she believes AI should reduce complexity and help customers make their own better-informed decisions rather than make those decisions for them.

0:00 Intro

2:03 How FNB nav» has evolved

5:13 Are South Africans coping financially?

9:03 How money habits have changed

13:12 Are people still planning for the future?

18:44 The future of home ownership

22:05 How young South Africans approach money

25:42 Side hustles and multiple income streams