Causal Nexus is a startup that specialises in next-generation payment systems. Current payment systems are archaic, inflexible and expensive. Our systems help banks and retailers innovate to create new revenue streams and opportunities to delight customers. In 2017, we rolled out a POS API for Massmart (Walmart), an instant bank card issuance system in Swaziland, and a realtime POS and card transaction monitoring solution in Zambia. In 2018, we've delivered a Mobile Money (mPesa and MTN) solution within Shoprite's African stores, as well as a PIN Translation Service and a VAS Reconciliation solution within the Massmart group. In 2019, we developed a smart ledger for Standard Bank, which will help them drive their financial inclusion initiative. We also built a VAS switch, with the Dis-Chem pharmacy group being the first customer.