Clean air, longer life

Posted on January 26, 2018

breathe easy indoors

Extend your life expectancy by cleaning the indoor air you breathe with an air purifier.

You eat well, don’t smoke, exercise fairly regularly and drink alcohol in moderation – and yet, some days, you feel like you’ve been hit by a large bus.

Sound familiar?

Because air pollutants are often not visible to the naked eye, many of us don’t realise just how debilitating poor quality indoor air can be on the human body – but the effects of indoor air pollution should not be overlooked. They range from short-term afflictions – like eye, nose and throat irritations – to more serious long-term effects like respiratory disease and even cardiovascular conditions.

And, while we may think we can eliminate common culprits like pet dander, dust, smoke and mould spores by keeping a clean home or office, the fact is that dusting and vacuuming are simply not enough to remove all these daily pollutants from the air we breathe.

But fret not, because it’s not all doom and gloom for those after a life of health and longevity in a world where clean air seems like an unattainable ideal – help is at hand.

Think of air purifiers as pollution-busting superheroes – except these clean air crusaders are by no means fictitious or out of reach – they are practical, affordable and dependable devices that have been proven to improve and lengthen lives, if not save them.

Air purifiers work by way of HEPA (high-efficiency particulate air) filters that clean and purify the air that is circulated – and that you breathe daily – indoors. HEPA filters physically trap the tiny particles that vacuum cleaners and other cleaning equipment merely recirculates into the air.

A health must-have in your home or office, air purifiers not only clear airborne bacteria quickly and quietly, they are also very effective in the removal of odours, allergens and other pollutants that are inevitably present in indoor air. In fact, research has shown that HEPA filters remove about 99.9% of dust particles and impurities from the air.

According to The New York Times, studies have found improved air quality has prevented tens of thousands of premature deaths from heart and respiratory disease. Simply put, “Clean air, longer life” (Harvard Magazine).

The conclusion: air purification equals the removal of impurities…equals clean air…equals better health…equals longer life.

So you have to ask yourself, can you afford not to invest in an air purifier?

For information on pbOffice’s range of air purification systems, visit our Air Purifiers web page, or call 010 300 4893.

Optimise your business mail system with a Relay inserter

Posted on December 4, 2017

Relay 1000

When it comes to the mail you send out to customers, time and cost savings are just two of the many ways in which your business can benefit from a quality inserter.  

pbOffice, a division of customer communication firm PBSA, has just introduced a new, improved range of mail inserters, serving mailing needs from small- to large-scale. Read more about the new Relay range of inserters, manufactured by Pitney Bowes, HERE.

Wondering why you should invest in an inserter for your business in the first place?

Before going into the huge advantages an inserter can bring your business in terms of productivity, efficiency and professionalism, it is important to note that traditional mail as a means of engaging customers is far from dead.

On the contrary, traditional mail has been widely advocated as the most effective means of communication. People have a strong sense of nostalgia when it comes to physical mail and – if done properly – this means of communication and marketing can really help your business stand head and shoulders above the rest.

Mail folding and inserting machines not only give your business mail the professional touch, they also ensure the right mail gets out on time, to the right customer – and far more speedily and painlessly than with a manual system.

If you are sending mail out the manual way, your process probably goes something like the time-consuming and tedious process outlined below:

  1. Gather all printed documents, inserts and outer envelopes.
  2. Manually fold documents, trying to make them look as professional and neat as possible.
  3. Select and include all the necessary inserts, checking and double-checking these are all in the correct order.
  4. Manually insert the documents and inserts you just put in order into envelopes.
  5. You are now ready to mail the one piece of mail you just prepared (but you probably have hundreds more to go).
  6. Put plasters on your paper cuts.
  7. Repeat

With a Relay inserter, this could be turned into a simple, speedy and precise process – like the one below:

  1. Load documents, inserts and envelopes.
  2. Select job on keypad.
  3. Stand back as the machine prepares the job.
  4. Ready to mail.

But time-saving is just one of the many advantages that comes with investing in a Relay inserter for your business.

An inserter will also allow you to correspond with your customers more regularly; easily add revenue-generating inserts; improve the security of mail with envelopes that stay sealed; align mailing addresses for a precise fit in envelope windows and deliver frequent promotional mailings.

If you are a business that regularly communicates with customers via mail, a Relay inserter is not just a luxury – it is a must-have.

Relay inserters are machines you can stake your business on.

For more information call 010 300 4893.

PBSA upgrades to Relay inserter range

Posted on November 30, 20171

Relay 3000 & 4000

The customer communication firm has just launched a new suite of mail folding and inserting machines that will fit any size business’ needs.

Being a company that believes in moving with the times – and bringing its customers only state-of-the-art technology – PBSA has upgraded its folding and inserting machines to the Relay range from global technology company Pitney Bowes.

The move gives pbOffice – the division of PBSA that provides automation solutions to serve mailing, marketing and communication applications for small and medium-sized enterprises – the ability to better serve its customers by being able to more accurately align machine specifications to specific application needs.

Quieter to operate and more aesthetically pleasing, the new Relay inserter range is more office-friendly. More importantly though, the Relay ranges drives higher performance, increasing productivity and allowing you to focus your time and energy on driving your business.

The Relay range of inserters comes with a number of vital features and scores of benefits. These state-of-the-art machines come with guarantees of:

  1. Data protection for your customers: This is an invaluable benefit, especially given the country’s personal information laws (does the term POPI Act ring any bells?).
  2. More productivity, less wasted time & money: Relay inserters offer a proven, easy-to-use platform that delivers fast, accurate and affordable mail assembly.
  3. 100% Accuracy – every time: The Relay range of inserters was specifically designed to deliver accurate, reliable processing of mail – so you can be confident your mail is not only getting out on time, but the right information is getting to the right customer. Every time.
  4. Ease of use: Even if you’re not technically inclined, you can be up and running with your Relay inserter in no time, ensureing your monthly mail gets out quickly and easily.
  5. Customisation: You shouldn’t have to tailor your mail programmes to the limitations of your equipment. With the Relay range of inserters, you have the ability to process various sizes of letters with the option of processing flat-sized envelopes or mailers.

For more information and model specifications relating to the various machines offered by pbOffice, click on the links below:

For more information on pbOffice products and services call 010 300 4893.

SignFlow engineers terminate menacing Bitcoin virus

Posted on October 18, 2017

pic for SignFlow bitcoin blog

A dangerous Bitcoin-mining virus has been detected and disabled by two of our IT experts.

A potentially devastating Bitcoin-mining virus has been stopped in its tracks, thanks to the vigilance and quick actions of SignFlow (a PBSA brand) engineers William Vermaak and Morne Wilken.

Vermaak and Wilken detected malicious activity on one of their customer’s servers last week, immediately analysed the source of the virus and un-infected the server.

According to Vermaak, the virus had gone undetected by all available virus packages. “We submitted samples to ESET the next day and [the company] immediately responded from its virus lab in Denmark, confirming the virus was wild and that detection for the threat had been added to its latest definition updates.”

Founded in 1992, ESET is a Slovakia-based IT security company that offers anti-virus and firewall products such as ESET NOD32. The security company named the virus winlog.VBS – VBS/TrojanDownloader.Agent.QE trojan winlog.bat – BAT/CoinMiner.UG Trojan.

By the time of detection, the virus had already infected 0.04% of Windows computers in South Africa, while Russia was hardest hit, with 0.5% of all Windows computers infected. Windows is currently the most popular end-user operating system in the world.

Essentially a Bitcoin-mining virus, the Winlog Virus downloads a Bitcoin CPU miner on the victim’s computer, and then mines Bitcoins for the virus originator. Vermaak says this type of virus is particularly evasive. “It tries to make itself resilient and configures various system schedules to start it again if it’s stopped. The virus will also install itself on the system as a system service.

“The virus infiltrates the System Registry and changes some keys to make itself run again if it’s shut down. Shortcuts on the victims’s Desktop are modified to run the virus and these then run the original program, in an attempt to mask it’s presence. The virus also copies itself into various other files on the system – including Microsoft.exe – to try ensure resilience.”

Prevalent pest

According to Manuel Corregedor, chief operations officer at information security company Telspace Systems, Bitcoin-mining viruses have become rampant. “There has definitely, in recent times, been an increase in Bitcoin-mining viruses – in particular the diversification of the type of currencies they mine.”

Almost three months ago, Russian president Vladimir Putin’s Internet advisor, Herman Klimenko, issued a dire public warning that 20 to 30 percent of all computers in Russia were infected with computer malware designed to turn devices into Bitcoin-mining machines.

At the time Klimenko told Moscow-based news broadcaster RBC that viruses that install bitcoin-mining software are the “most common and most dangerous” type of computer malware in existence.

Corregedor says the main issue Bitcoin-mining malware creates, is that it negatively impacts the performance of the victim’s computer. “[The malware] does this by stealing/utilising the infected computer’s resources (CPU, GPU, RAM, etc). This may result, over time, in increased wear and tear, which may cause the computer to fail or cease.” On top of this destructive consequence, he adds, there are other costs associated with increased power consumption.

But this destructive malware goes even further. Apart from the said performance impact, Corregedor notes that – apart from mining Bitcoins – it  has also been seen launching web- and network-based attacks, such denial of service attacks, login brute force attacks and web application attacks.

“It should also be noted that the danger [with Bitcoin-mining malware] is further increased due to the fact that [it] has been found to be infecting Internet of Things devices i.e. web cameras, routers, Network Attached Storage devices, etc.  The infections have mainly occurred due to these devices having default credentials configured on them – for example user name admin and password admin on a router.”

Protection pointers

Corregedor says users can protect themselves against these kinds of malicious virtual attacks by ensuring their operating systems (Windows, Linux etc) are up to date with the latest security updates (patches).

He gives the following pointers:

  • Ensure you have anti-virus software installed and that it is up to date
  • Ensure your devices are not using any default login credentials and/or weak login credentials, in particular devices such as routers
  • Enable/install a Firewall
  • Install a HIPS (Host Intrusion Prevention System)
  • Be cautious/aware when it comes to receiving unexpected emails with attachments and/or installing potentially unwanted software

“Attackers are constantly scanning the internet looking for devices that are not up to date and/or are not configured securely (for example using default credentials).  Once such systems are identified, they are infected with malware,” he warns.

“Additionally, attackers are also constantly sending out spam/phishing emails that contain malicious attachments.”

Corregedor says, while South Africa is just as vulnerable as any country when it comes to infection, the country’s lack of a National Information Security Awareness campaign could render it in deeper danger.

SignFlow ties up with Accfin to digitise accounting processes

Posted on September 11, 2017

The integration of two state-of-the-art software platforms transports the accounting profession into a new world of digitisation.

Digital signature workflow solution SignFlow and accounting software firm Accfin have integrated their respective software platforms, in a move that places the accounting profession securely in a new and exciting world of digitisation.

Accfin, a local software firm leading the way in automation of back-office systems for accounting and auditing companies, grew out of an accounting firm over 20 years ago. The recent tie-up with SignFlow – a locally developed and internationally recognised digital signature solution – essentially automates the entire communication process involved in the accounting practice.

Leon van der Merwe, head of digital at SignFlow parent company PBSA, explains, “By using the SignFlow feature in Accfin software, you eliminate the need for print, courier and e-mailing of sensitive documents to customers – and then having to wait days, even weeks for a response.

“SignFlow is built on a powerful, digital workflow engine that tracks progress and instils accountability and auditability. Apart from the obvious environmental advantages the solution offers, the value of saving time through increased efficiency, is most valuable to accountants, who work under tremendous time pressure.”

Accfin MD Mark Silberman says the integration with SignFlow “changes the state of play” in the accounting market place. “It automates the communication process. Our software allows accounting firms to communicate with their clients. The integration of SignFlow with [Accfin’s] Sky Software allows the customers of the accountant to authorise the filing of tax returns and approve company resolutions.”

Accfin, which strives to provide state-of-the-art back office systems to South African accounting firms, currently provides automation software across the sector – from large international firms, to small sole practitioners.

Van der Merwe says SignFlow is proud to be associated with Accfin Software – a company that is “definitely leading the way in automating back office systems for accounting and auditing firms”.

“SignFlow is fast becoming the most trusted digital signature workflow solution in South Africa, especially within the auditing and financial sectors,” concludes Van der Merwe.

FICA compliance made easy

Posted on August 17, 2017

SA’s leading data bureau gives businesses the key to pain-free compliance.

Although the Financial Intelligence Centre Act (FICA) came into effect almost a decade and a half ago, it is as relevant today as the day it was conceived.

Instituted in 2003 to curb financial crimes, such as money laundering, tax evasion, and terrorist financing activities, FICA is a law that all financial institutions need to comply with. This includes any business that provides credit facilities in any form – whether assets like houses and cars, or retail items like mobile phone contracts and appliance/clothing accounts – or cash in the form of loans.

FICA basically makes it incumbent on all aforementioned financial services companies to reassess their entire client list, in order to ensure that all clients’ identities and finances can be verified. Think of it as a sweeping credit check of every person in an existing database – it is a means of identifying any individual who could potentially pose a threat to your company.

As with any law governing how businesses handle customer identification and verification processes, and how they manage records, FICA is multifaceted, and comes with severe penalties for businesses that are non-compliant.

Pain-free compliance

But, as daunting as this may sound, it does not need to be – nor does FICA compliance need to be another headache you have to deal with as a credit providing company.

South Africa’s leading data bureau, pbVerify, offers a range of services to make your path as a business striving for FICA compliance as straight as possible.

A division of pbDigital, under Customer Communications firm PBSA, pbVerify is essentially a credit risk management tool for any size business in South Africa that grants credit accounts and payment terms to other businesses and/or to South African consumers.

pbVerify’s online web-based tools help companies assess credit risk by evaluating the credit history of any business and its principles and/or any consumer a company wishes to grant credit terms to. This is done via multiple credit bureaus and other business critical data providers, through one easy-to-use website.

Included in pbVerify’s suite of services, are the following consumer credit check products, which offer your business a painless means of becoming FICA compliant:

Consumer traces for address validation: facilitated by three of South Africa’s main data credit bureaus – XDSTransUnion and Compuscan – pbVerify’s consumer trace service gives you access to consumers’ latest  contact information.

Bank account verification: pbVerify’s Bank Account Verification Service allows you to efficiently verify the bank details of a consumer, and determine the status of their account – whether the account is currently active, open or closed and whether it has been open for more than three months. The service is available for the 5 major banks in South Africa only.

CIPC Company & Director Verification: pbVerify’s CIPC Company Search Report – one of the most advanced CIPC search tools in South Africa – allows customers to easily retrieve and verify all registration information related to any registered South African business and its principles. Complementing this search too, is the CIPC Director Search Report.

ID Verification: The pbVerify Home Affairs ID Verification tool is used to determine the correct identity information on South African citizens. (This validates the consumer’s identification, but does not confirm whether or not they are credit active)

Alongside this, pbVerify’s ID verification API is used by various corporations, retailers, telecommunications companies, online service providers and system integrators to instantly verify identities for an range of different functions, including customer identification at point of sale, fraud prevention, online transaction verification, customer relations, human resource software and more.

Solar energy: How it all began

Posted on June 13, 2017

Solar energy sunflowers

Long before civilization as we know it even existed, the sun was shining. This giant sphere of glowing gases is the heart of our solar system and is by far Earth’s most valuable source of energy for life.

The sun is abundant, it is continuous and it is free. It is no wonder then, that people have become so dependent on the energy generated by this celestial phenomenon – solar energy – as an unfailing source of light and heat.

Today, with the pervasive rise in electricity costs, many people have been looking to alternative sources of energy; and the sun is beyond question one of the greatest non-taxable sources of energy out there. But how did solar energy, as we now know it, come to be?

Solar energy – or more accurately, photovoltaic (PV) energy (solar cells) – has origins going as far back as 1876, when William Grylls Adams discovered that exposing selenium to light produced electricity.

Seventy eight years later, in 1954, three Bell Laboratories researchers by the names of Daryl Chapin, Calvin Fuller and Gerald Pearson announced the discovery of the first silicon solar cell – a finding that proved to be a watershed moment in the history of solar energy.

Although too inefficient to be of much use, early solar cells produced enough electricity to run small electrical devices. This was lauded as one of the most significant breakthroughs ever in the history of solar energy. So much so, in fact, that the 25th of April – the day Bell Laboratories demonstrated to the world how silicon solar cells could produce electricity – is to this day celebrated as the anniversary of the first practical solar cell.

On 26 April 1954 the New York Times stated on its front page that the discovery of the first silicon solar cell marked “the beginning of a new era, eventually leading to the realisation of one of mankind’s most cherished dreams – the harnessing of the almost limitless energy of the sun for the uses of civilisation”.

From then onwards, solar energy grew more extensive, and gradually became a more affordable, viable option. In 1956 solar cells were commercially available – but at a whopping $300 (about R3 800 today) per 1 watt solar cell. At this stage, solar cells were only being used in small items like toys and radios – the first items to make solar energy available to consumers.

From these humble beginnings, solar energy snowballed, with solar power becoming the standard for powering space-bound satellites in the late 1960’s.

Soon after, in the early 1970’s, new methods were discovered to reduce the price to $20 (about R260 today) per watt, and off-shore oil rigs used solar cells to power up warning lights on top of rigs.

The rest, as they say, is history. From the 1970’s to the 1990’s, there was a huge change in the use of solar cells – from powering homes in remote areas, to fuelling telecommunication towers.

Today, solar energy touches almost every part of our lives and is becoming increasingly more affordable for everyday use. We use it to power up electric gate motors, to supply power to remote housing, and even to replace old windmills, which cost a fortune to repair.

African Advantages

In Africa in particular, solar energy is a huge godsend, because so many African countries see a lot of bright sunlight throughout the year. This is especially so in the dryer, often more remote areas, meaning solar power has the potential to bring energy to virtually any location in Africa.

In terms of the distribution of solar resources across Africa, more than 85% of the continent’s landscape gets at least 2 000 kWh/(m² year).

South Africa alone is expected to reach an installed capacity of 8 400 MW by 2030, along with 8 400 MW of wind power. The amount of exposure South Africa gets to the sun’s rays by far exceeds the average values in Europe, Russia, and most of North America.

It is this great advantage that allows pbElectrical – a division of PBSA – to seize the vast opportunities our geography affords us, and to offer a range of reliable and affordable solar power products.

Solar Borehole Water Pumps

Because solar water pumps have no running costs, our solar borehole water pumps are the most cost effective way to pump water on farms.

Being a proud agent for the renowned Pumpman™ Solar Water Pump range, pbElectrical caters for all your water needs, offering a range of pumps that will pump water at different depths. Pumpman pumps are built to withstand even the harshest local weather and water conditions.

Curious to know how solar borehole water pumps work? It all starts with solar panels, which are made up of PV cells. These cells convert sunlight into direct current (DC) electricity throughout the day when the sun shines.

The brains of the system – the control box – is what makes everything work. This includes the monitoring of water levels in the well and water tank, as well as switching the pump on and off, ensuring the pump only pumps water when needed.

Finally, there is the water pump. This submersible pump goes into the borehole and pumps water to the water tank. The type of system you install will depend on factors such as how much water you need, the ground level, water level, etc.

About pbElectrical

pbElectrical provides electrical contracting services and products, as well as a range of add-on services, to corporates and small and medium-sized enterprises.

The division offers existing PBSA customers complementary turnkey solutions, as well as offering new clients holistic electrical and related products and services, backed by a certified ISO 9001 quality management system.

Contact:

Website: https://pbsa.co.za/pbelec.php

Office: 011 516 9416

Mobile: 083 462 6518 (Helgard Joubert)

Email: helgardj@pbsa.co.za

pbVerify Bank Code Update gives added assurance

Posted on May 26, 2017

bank code update2

For absolute assuredness around credit risk, complete your business credit report with a bank code update.

As a business striving for problem-free, profitable dealings with customers, you know how important complete, accurate and up-to-date credit information is, and you will want to leave no stone unturned when it comes to assessing creditworthiness.

As South Africa’s leading credit bureau, pbVerify provides you with all the products you as a business need, to guarantee sound commercial transactions – including a Bank Code Update service to round off business credit reports.

Complementing pbVerify’s recently launched XDS Business Credit Report, is our commercial bank code update service – also provided by XDS – that allows you to acquire an up-to-date bank code from any listed South African bank.

Bank codes are critical when it comes to assessing the credit limits and creditworthiness of potential customers. Before extending credit to any business, request a Bank Code Update on the pbVerify system to the value of credit you are considering.

In a nutshell, this is how it works: After you have submitted the required information, pbVerify’s Bank Code Update service makes contact with the customer in question’s bank, and requests the latest bank code against the desired Rand value. The return bank report is kept in your pvVerify account and can be retrieved any time after it is received.

What is a Bank Code?

A bank code is essentially a code provided by a bank on the company in question’s account, representing how good the company is for the amount of credit it is applying for. This is an investigation report that takes 24 hours.

As the business looking into a company as a potential customer, you are required to enter the company’s bank details (bank name, branch, account number) and the terms of the enquiry. For example, if the company in question signed a credit agreement of R10 000 for 12 months. The terms would then be R10 000 at 30 days over 12 months.

Below are the possible bank codes pbVerify’s Bank Code Update service could return:

A = Undoubted for the amount of your enquiry

B = Good for the amount of your enquiry

C = Good for the amount quoted if strictly in the way of business

D = Fairtrade risk for the amount of your enquiry

E = Figures considered too high

F = Financial Position Unknown

G = Paper occasionally dishonoured

H = Paper frequently dishonoured

Bank Code Update is a standard feature within the pbVerify system and is also available to third-party integrators via an API.

Please note:

  • Before requesting a bank code, businesses need to ensure that the company registration number matches that associated with their bank account.
  • It takes 24 hours from the time of enquiry for a bank code to be returned to the business enquiring.
  • This product is only available for companies – a bank code cannot be requested for an individual.

Consumer credit checks and the NCA

Posted on April 6, 2017

Consumer credit checks

Businesses need to provide reasons for drawing consumer credit reports, in terms of the National Credit Act. 

If you are a credit provider of any kind, it is inevitable that you will frequently have to dig into the financial history of potential debtors.

pbVerify offers a range of Business to Consumer (B2C) credit check services*, which help businesses make better business credit decisions when assessing new debtors. As SA’s leading data bureau, we know that the better the information you have on your potential customers, the better your decisions will ultimately be.

At the same time, you need to be aware that the rights of the credit-seeking consumer are clearly enshrined in legislation, in particular the National Credit Act (NCA) No. 34 of 2005, and the onus is on you to make sure you comply.

Yes, as a credit grantor following good business practice, you have the basis for an enquiry into a potential debtor’s financial history (i.e. via a credit report) – but a consumer’s credit report is confidential and may not be accessed without legal grounds, or the consumer’s explicit permission.

These “legal grounds” are laid out in the NCA, in the form of prescribed purposes (the Act requires that you specify the reason you are drawing a credit report).

In this article, we will outline the rationale behind the NCA, and list some of the prescribed purposes it incorporates.

The purpose of the NCA

South Africa’s population consists mainly of lower LSM (Living Standards Measure) individuals with limited to no access to credit channels.

According to the Banking Association of South Africa, the complex nature of credit agreements has left many of the country’s consumers vulnerable and often exploited by credit providers.

“This led to the establishment of the NCA [which includes] mechanisms to protect consumers against unscrupulous lending and over-indebtedness.”

The NCA seeks to “promote and advance the social and economic welfare of South Africans, promote a fair, transparent, competitive, sustainable, responsible, efficient, effective and accessible credit market and industry, and to protect consumers.”

The association lists credit providers as banks, micro-lenders, retailers (e.g. furniture and clothing stores) and “all businesses, companies, close corporations, partnerships and individuals who do business on credit, provide loans or charge interest on overdue accounts; and who offer credit within the prescribed threshold values in terms of the [NCA] Act”.

Consumers, says the association, include both individuals (natural persons) and “certain juristic persons [e.g. companies, close corporations, trusts (with more than three individual trustees), partnerships and an association of persons] whose asset value or annual turnover, together with the combined asset value or annual turnover of all related juristic persons, at the time the agreement is made, equals or exceeds the threshold value of R1 million”.

Prescribed purposes

A credit bureau may issue you with a consumer’s credit report in terms of the NCA, under a number of prescribed purposes – including, but not limited to:

  • Account Management
  • Affordability Assessment
  • Alternative dispute resolution
  • Book Assessment
  • Consumer Enquiry
  • Credit Assessment
  • Credit Limit
  • Credit Ombud Enquiry
  • Tracing (non-credit provider
  • Debt Review
  • Education / Employment
  • Employment
  • Fraud Investigation
  • Fraud Prevention
  • Insurance Application
  • Marketing Services
  • Other Legislation
  • On consumer instruction/consent
  • Score Development
  • Tracing
  • Unclaimed Funds

The above are abbreviated descriptions. For the full description, explanation and NCA references, click HERE.

pbVerify’s B2C credit check suite and is available after registration to any business that grants credit to other businesses or consumers.

*pbVerify’s Consumer Credit Check services include the Transunion ITC Credit CheckCompuscan Credit CheckExperian Credit CheckXDS Credit CheckpbVerify Credit Check; and our recently added Express Credit Score product (See related blog here).

REFERENCES

  1. National Credit Act 34 (2005)
  2. The Banking Association of South Africa website
  3. IOL – Who may see your credit report?
  4. pbVerify blog – Credit vetting: an essential key to SME success
  5. Compuscan’s “Prescribed purposes for access to consumer data” guide

Portfolios feature aids POPI, FICA compliance

Posted on March 7, 2017

doc d

SignFlow’s secure multi-document portal, Portfolios, offers businesses a reliable means of complying with stringent regulations.

There are two well-known and much-publicised Acts that make South African businesses shudder in their shoes – the Financial Intelligence Centre Act (FICA) of 2001 and the Protection of Personal Information (POPI) Act of 2013.

The two pieces of legislation have much in common. To begin with, they both have to do with how your business deals with customer identification and verification processes, and how it stores and maintains customer and transactional records. Secondly, there are severe penalties associated with non-compliance – severe enough, in many cases, to cause irreparable reputational and financial damage.

Third of all – and this is the good news – SignFlow can help you comply with both. Our digital signature workflow solution offers you an efficient and sure-fire means of making sure your business processes and IT systems are up to scratch when it comes to compliance with both these Acts – so you need no longer shy away from the dreaded “F-word” and “P-word”.

Portfolios

FICA and POPI compliance largely comes down to how you transmit, maintain and store customer data and, while the sheer volume and variety of data may make the process seem very complicated, SignFlow’s Portfolios feature offers you a surprisingly simple means of tackling it.

A SignFlow Portfolio is basically a portal where you can accumulate multiple documents that have been through a workflow and signed, in combination with documents that are just uploaded and stored.

Because there is no email (which is inherently insecure) involved and all documents are uploaded through a secure, encrypted channel, to an online portal where they can only be accessed by the individuals authorised to access them, Portfolios is an invaluable tool to have in your arsenal when you are striving for FICA and/or POPI compliance.

Let’s take an insurance company, for example:

  • The company requires identification and proof of residence documents (documents required by FICA that both also have a bearing on POPI) from a client.
  • That same client needs to sign a contract, which contains personal and financial information, and send it back to the company.
  • SignFlow Portfolios enables you and your client to upload and share documents (both signed and unsigned) via an encrypted portal.
  • There is no emailing, printing or scanning of documents involved at any stage.
  • All your client’s information is kept neatly in one designated, easy-to-access and searchable databank.

Given that the implementation date for the POPI Act is expected to be set this year – and in light of the FICA failures* we have seen in the past, you are under more pressure than ever before to make sure your business complies. Contact SignFlow today for more information on how we can ease the pressure and give you total peace of mind.

* In April 2014, the South African Reserve Bank fined the country’s four largest banks R125 million collectively for failing to comply with FICA. (www.sanews.gov.za)

Want financial freedom? Know your credit status

Posted on February 16, 2017

have-you-pulled-your-credit-report-yet

Despite the country’s robust credit information industry, most South Africans do not know what their credit profile actually looks like.

It’s an all-too-common scene: you apply for an account at a retail store, and are taken aback when your application is declined on the grounds of bad credit. As far as you know, you’re the poster child for sound financial management – so what went wrong? Most likely, “as far as you know” is not far enough.

Sadly, even though South Africa has an incredibly strong credit information industry, many citizens are in the dark when it comes to what their credit profile actually looks like.

Earlier this month, local news site News24 cited African Bank executive Alfred Ramosedi as saying that many South Africans were “surprisingly unaware of the importance of a good credit profile”. What’s more, he said, many didn’t even know what a credit profile was – and in instances where they did know, they rarely checked their own personal credit profile.

And yet, the importance of managing your credit status – a task that begins with knowing your credit status – cannot be downplayed in today’s volatile economic climate. As Ramosedi rightly points out, many potential employers nowadays look at job applicants’ credit reports as a means of judging character and level of responsibility.

South Africa’s leading property website, Property24, lists bad credit records as the number one reason banks reject home loan applications, while car finance giant Carfin says the first thing you need to do if you’ve been declined for finance is “Find out why” – i.e. check your credit report. Step number two, says Carfin, is to improve your credit score.

No excuse

The Credit Bureau Association points out that every single credit-active person in South Africa has a credit profile that shows how they manage their debts and accounts.

Fortunately, if you are a South African who wants to do the smart thing and familiarise yourself with your credit profile, you don’t have to climb any mountains to do so. On the contrary, our country’s credit information industry makes the process next to effortless for you. So much so, that there is really no excuse for not knowing your credit status.

On a scale of 0 to 8, South Africa ranks 7 on the World Bank’s Depth of Credit Information Index – a measure of the availability of credit information, where 8 is the highest level attainable by any country.

Additionally, according to the National Credit Act, every consumer has the right to one free credit report once in a 12-month period from the country’s main credit bureaus, namely TransUnion (formerly ITC), Experian, XDS and Compuscan.

A credit report is basically a comprehensive statement outlining your financial history and standing. It comprises information on your spending and borrowing patterns, how well you meet your financial obligations, general spending and payment trends and contact details. It also lists any judgment you may have against you, as well as any money owed to creditors.

MYpbVerify* – the most versatile personal credit check service on the Net – offers you this and more. The tool not only gives you instant online access to your personal credit report, it also allows you to customise your report with variable information.

MYpbVerify offers various pricing options to suit your needs. Depending on your status and credit history, you can choose either a Basic credit report, or a more advanced (Standard or Premium) report. The latter option includes directorship information, deeds data (properties owned), your personal Compuscan credit rating score and more.

This year, do yourself a great favour – get to know your credit status and start building a good credit profile today. Not only will you never have to fret about being turned down when applying for credit again, you will also be able to take advantage of the better repayment  terms that come with having a strong credit report.

*MYpbVerify™ is an online credit check system designed for consumers in need of quality personal credit check reports. The product offers three different credit reports, all instantly sent via email in PDF format once an order is completed. 

[REFERENCES]       

News24 – Ways to take control of credit

The Credit Bureau Association – http://www.cba.co.za/

The World Bank – Depth of Credit Information Index

Property24 – Why banks reject your home loan

Carfin – Have you been declined for vehicle finance?

PBSA shredders underpin POPI compliance

Posted on January 17, 2017

shredder-generic-pic

The company’s hard drive shredders offer local businesses a sure-fire way of complying with the act’s stringent data protection laws.

This year, the implementation date for the much-publicised Protection of Personal Information (POPI) Act is expected to be announced, and local businesses will have a year from this date to become compliant – or face severe penalties.

Passed into South African law towards the end of 2013, the POPI Act essentially regulates how companies store and secure personal information of individuals and entities. Because the act aligns South Africa with international laws on privacy, it includes some stringent rules that businesses – no matter their size – will need to follow to a T.

Wale Arewa, CEO of Secure IT asset disposal company Xperien, says, although the POPI Act gives companies a grace period of a year from commencement to comply with its requirements, they should make it a top priority now.

“There are serious penalties [for non-compliance with the act]. Besides the possibility of prison terms and fines of up to R10 million, POPI also allows individuals to institute civil claims. This means there is the possibility of further financial loss on top of any fine that may be imposed,” warns Arewa.

Data demolition

One of the POPI Act’s key objectives is to ensure customer data is destroyed sufficiently. According to the act, user data cannot be kept for longer than necessary and will have to be completely destroyed – not merely deleted or superficially disposed of.

This means it is simply not good enough for companies to wipe or format a hard drive, nor is it sufficient to toss it out, regardless of how unlikely it may be that it will be discovered.

The only sure-fire way to destroy data, is to physically shred it – a method vouched for by international business news site Bloomberg, in an article entitled “The right way to destroy sensitive data”.

“Hard drives are fed into a machine that resembles a photocopier, which chews and spits out slivers of scrap metal,” the site explains.

pbOffice, a division of PBSA (formerly Pitney Bowes South Africa), offers a failsafe solution to data destruction with two quality HSM machines – the HSM Powerline HDS230 Hard Drive Shredder and its smaller – but equally effective – counterpart, the HSM HDS150 Hard Drive Shredder.

Both fully data protection compliant, the two hard drive shredders destroy digital media devices in a safe and economical way. These safe and easy-to-use devices shred hard drives into tiny particles – ensuring absolute and irreversible destruction of all data contained on them.

Designed with longevity in mind, both hard drive shredders feature sturdy, solid steel-cutting units and powerful drives. Additionally, because the units feature high throughput capacity and energy-saving continuous operation, they are an intelligent choice for businesses seeking to reduce their carbon footprint.

Visit us today to find out more, or to request a quote.

[REFERENCES]  

Bloomberg.com

Xperien.com

pbVerify introduces Express Credit Score

Posted on November 29, 20161

SA’s number one data bureau has added a new, express credit check product to its B2C suite.

pbVerify has just expanded its Consumer Credit Check product suite with a new service that enables businesses to draw an express credit report in seconds, at less than half the cost of the full report.

Introduced in mid-November, pbVerify’s Express Credit Score enables businesses to view a condensed report of a consumer’s credit viability, and quickly determine whether or not further data on the consumer in question is necessary.

The service, launched in response to market demand, saves businesses the trouble, time and cost of drawing a full report on every consumer they investigate and allows them to quickly sift through credit candidates for potential clients.

Express Credit Score complements pbVerify’s original Consumer Credit Check, rather than replaces it. The express product offers basic information such as whether a consumer is a High, Low or Minimum risk consumer and – in the case of High Risk – what the main reasons are for the adverse score.

The full Consumer Credit Check report offers information businesses will only need to draw on if the consumer being investigated is deemed a risk, including contact and employment data, all adverse information (judgements, defaults and collections) and an enquiry list.

The full report costs between R35 and R45 (350 to 450 pbVerify credits) per report, while the Express Credit Score costs just R12,50 (125 credits). For a full breakdown of pricing click here.

A consumer deemed minimum risk will not require further investigation.
A full Consumer Credit Report will detail the negative reasons for a High Risk consumer's negative rating.

NB: Businesses wishing to draw a credit report on an individual must have the consumer in question’s signed/written consent.

pbVerify Express score is a credit bureau score developed in partnership with Compuscan using advanced statistical modelling techniques.

Credit vetting – an essential key to SME success

Posted on October 20, 20161

credit-vet

For SMEs, sound risk management via credit vetting is not only advisable, it is absolutely essential.

Wasting precious time and resources chasing down debtors for money is not only undesirable for any business, it can be downright destructive. The good news is, there is a way to avoid this – and it is inexpensive and painless. Two words: credit check.

If you are in business, you will know that cash flow is king. This is especially true in the in the small to medium enterprise (SME) environment, where finances are particularly tight. Clients that default on payments can – and inevitably do – seriously jeapordise the success of your company.

A foolproof way to protect your business – and ultimately boost its financial fitness – is through consistent credit vetting.

Credit vetting is simply the process of affirming the credit worthiness of customers in terms of financials. Checking the credit status of your clients greatly minimises uncertainty around whether your invoices will be paid, as it provides an overview of their credit rating and reveals whether there are any judgements against them, or whether they have defaulted on payments in the past.

Simple step towards success

According to Leon van der Merwe, senior business development manager at customer communications firm PBSA, the percentage of small simply overlooking this critical process is staggering.

“Simply taking the steps to check the credit status of companies and directors before doing business with them is straightforward, very affordable and it could make all the difference.”

A detailed credit application document with the correct capture information, credit vetting consent and related terms of agreement will protect the financial wellbeing of your organisation, he adds.

All of this can be easily accessed via pbVerify, a PBSA product that offers a user-friendly online credit vetting service. Specifically for small to medium sized businesses, pbVerify is connected to all major credit bureaux and credit data providers and is credible and accurate.

“Neglecting this crucial step towards managing a successful business can cost you profoundly. Having an overview of the credit worthiness of potential customers, on the other hand, will help you make better decisions, in turn saving you time, trouble and money,” concludes Van der Merwe.

For a comprehensive view of all pbVerify’s vetting solutions, please visit www.pbverify.co.za

Tackling security in an IoT world

Posted on September 20, 2016

eepublishers

Published by EE Publishers on 20 September 2016

The internet of things is here – and it is bigger than we could have imagined – is your business ready?

The internet of things (IoT) is undeniably one of this century’s biggest phenomena in terms of ubiquitous impact and, while the implications associated with this technological wave are varied, one of the most crucial – if not the most crucial of these – centres around security.

Type the words “IoT and…” into your Google search engine bar, and one of the first phrases that comes up in the dropdown menu is “IoT and security”, says Leon van der Merwe, head of digital at customer communications firm PBSA. Security is a huge concern for businesses when it comes to this emerging network of connected things. Even with the strides made in cultivating a secure internet, this vast entity is just not 100% secure.

By nature, he says, the internet is arguably impossible to fully secure – and is becoming considerably more complex as the human race starts connecting everyday hardware devices. “We are basically building an internet of any and everything.”

And, contrary to common belief, South Africa is not playing catch-up to such an extent that local businesses need not be concerned. The IoT may not be as mainstream in South Africa as it is in other, developed countries, but it is fast heading that way. Any business that even remotely values its security would be making a grave mistake by not heeding the red flags inherent in the IoT.

In fact, according to a recent International Data Corporation (IDC) report – The Internet of Things in Africa – the market for connected devices in the country will account for $2-billion of the global total value ($1,7-trillion) by 2020. As for the continent as a whole, the research firm says Africa is likely to house around one billion connected devices by the turn of the decade.

A 2015 survey revealed that 33% of South African enterprises are planning major and/or significant investment in IoT over the next three years.

Unprecedented power

We know the IoT is set to explode – globally and on our own doorstep – but we must also consider, when taking security measures, the immense power this thing denoting a connected future holds.

The World Economic Forum (WEF) designates the IoT part of the “Fourth Industrial Revolution” – an era of technological advancement characterised by ubiquitous, mobile supercomputing. Klaus Schwab, founder and executive chairman of the WEF, says the possibilities of billions of people connected by mobile devices, with unprecedented processing power, storage capacity, and access to knowledge, are unlimited.

These possibilities will be multiplied by emerging technology breakthroughs in fields such as artificial intelligence, robotics, the IoT, autonomous vehicles, 3D printing, nanotechnology, biotechnology, materials science, energy storage, and quantum computing.

Given the enormous impact the IoT will have on businesses’ security, Van der Merwe believes local companies need to take security far more seriously. Many of the larger, security-conscious organisations take their security very seriously, but they don’t necessarily have the right strategies in place. When it comes to the so-called midstream businesses in South Africa, these generally have very poorly managed security policies, if any.

Access management

But where does one start when it comes to tackling this giant, looming phenomenon? At ground level, at one of the very core aspects of your connected devices – accessibility.

One of the products PBSA’s software arm, pbDigital, advocates is identity and access management (IAM). IAM outsources all require security requirements to run on the latest international identity and access management on one centralised solution.

Contact Leon van der Merwe, PBSA, Tel 011 516-9459, leon@pbsa.co.za

I need credit – what now?

Posted on August 1, 2016

pbVerify credit

Money is the root of all stress – find out how to successfully apply for credit without compounding your anxiety levels.

Financial matters play a pivotal role in the health and happiness of consumers today. In fact, leading market and consumer research firm, GfK, found late last year that money was the biggest source of stress in the world.

When it comes to getting credit – something most modern-day consumers are bound to need at some stage in their lives – the processes involved can feel daunting, especially if one is already financially pressed. One of the best means of making the process as pain-free as possible, is to educate yourself from the get-go.

Borrowing and lending of money involves a number of aspects being in place, for the consumer and the credit provider, respectively. The consumer wants assurance of a successful loan or financing application, while the lending institution requires surety that the consumer that is applying for credit will be able to meet their financial obligations and deadlines.

So how do you, as a consumer, ensure the institution you are seeking a financial advance from views you as a valid candidate?

According to the largest wholly South African owned and registered credit bureau, XDS, the weight of the decision on credit eligibility for a loan, finance or credit ultimately depends on the consumer’s own attitude and behaviour toward their credit.

A good starting point for you as the consumer, when applying for credit, would be to fully acquaint yourself with credit scores. It is imperative that you know the fundamentals of your credit report and credit score before you even think of applying for credit.

Your credit score is calculated using the information contained on your credit report. According to South African credit bureau Compuscan, this includes account information, your payment history, adverse information, public records and enquiries (requests by credit providers to view your credit report).

Your credit score basically outlines all the factors, both negative and positive, that indicate how likely you are to honour your credit repayment obligations.

Some of the information on your credit report may include your payment history, how much debt you owe, the length of your credit history and new credit applications you have underway.

MYpbVerify

pvVerify’s consumer service, MYpbVerify, gives you instant online access to your personal (customisable) credit report. The service allows you to choose which personal credit information you want to view, and offers different pricing options.

Depending on your status and credit history, you have the option to choose from a Basic credit report to more advanced options in the Standard and Premium reports that will include Directorship information, Deeds (properties owned) data, your personal Compuscan credit rating score and more.

Our Basic report, priced at just R29, includes essential information for you to assess your personal details, employment details and adverse information.   R 29.00

The Standard credit report (R39) includes the basic report, plus an in-depth look at your credit accounts, payment history and CompuScore rating.

The most in-depth report, the Premium report, costs R49 and combines the Basic and Standard reports, plus an in-depth look at property you own and company Directorships.

With all of these affordable options and access to all the major credit bureaux, MYpvVerify is truly the most versatile online personal credit check available.

Money matters

Once the crucial first step of getting to know your personal credit score is under your belt, you’re well on the way to finalising your credit application or applications and gaining access to the money you need, short- and long-term.

Good practices to bear in mind, too, would be to limit the number of credit applications you launch at one time; be ready with historical information on hand that will prove you are able to make good on debt repayments and make sure you fully understand credit terms and conditions (as these can be tricky). Remember, when you sign on the dotted line, you are saying “I agree to all the terms and conditions contained in this contract” – and you will be held liable should anything go awry.

Money matters matter. To almost every aspect of your life – health, happiness, relationships and business. Make sure that, when it comes to the inevitable task of applying for credit, you are well equipped and educated on your personal credit score. You will be doing yourself – and your stress levels – a huge favour.

References: 
GfK: http://www.gfk.com/
pbVerify: http://www.pbverify.co.za/  
Compuscan: https://www.compuscan.co.za/

SA tech underpins Delta State’s ‘Fast Track 90’ system

Posted on June 29, 2016

itweb africa logo

Published by ITWeb Africa on 29 June 2016

Nigeria’s Delta State has launched the ‘Fast Track 90’ digital system designed for the acquisition of legal titles for landed property.

Historically an onerous process fraught with bottlenecks, bureaucracy and prone to fraud, the issuance of Certificate-of-Occupancy (C-of-O) to property owners in Delta State will, going forward, be fast tracked to 90 days and fraud-proofed, claims pbDigital, a division of South African customer communications firm PBSA, and the company that developed the technology behind the digital system.

Delta State Governor, Senator Ifeanyi Okowa, unveiled the Fast Track 90 scheme at the end of March, saying one of the biggest hindrances to investors was the high cost and delays associated with acquiring the legal titles to landed property.

“Fast Track 90, an innovative policy of this administration designed to enhance ease of business in the state, has been initiated to overcome the bottlenecks that have become a recurring decimal in obtaining C-of-Os, it will take a maximum of ninety days for land owners to obtain their C-of-Os from the Ministry of Lands and Surveys and the new system is fast, transparent and in line with global best practices,” said Okowa.

Fast Track 90 relies on a software platform – recently developed specifically for the project – which connects to PBSA’s High Security Module Cloud Server infrastructure in South Africa. The solution is a hybrid, digital certificate issuing and verification solution for certificates that also need to be printed on paper.

Leon van der Merwe, head of pbDigital, explains: “Smatforms, a channel partner of PBSA in Nigeria, approached PBSA for a solution to digitise the paper-based issuing process for Delta State C-of-O documents. The solution-platform is built on pbDigital’s cloud technology that uses state-of-the-art cryptography to embed digital signatures in PDF documents. The system is an end-to-end solution for issuing these documents.”

Certificate verification

The printed certificate that is issued to the citizen contains an embedded QR code, explains Van der Merwe. “When the QR code is scanned with any generic, free QR code scanner using an online smart device, the original electronic document is opened from a secure cloud location. The electronic version of the document and the printed paper copy presented by the citizen can be compared and must have exactly the same content.

“The authenticity of the electronic document can also be verified by using a free version of Adobe PDF Reader to verify the signatures.

“The digital signatures on the document that were applied by the official authorities when the document was produced, carry X.509 personal cryptographic properties. During the verification process, these signature properties will have the verified personal information and Adobe AATL (Adobe Approved Trust List) certificate information embedded in each digital signature.”

Delta State tackles land ownership with SA tech

Posted on July 4, 2016

itologo

Published by IT-Online on 29 June 2016

Nigeria’s oil and agricultural producing state Delta State makes a major breakthrough in land title acquisition using new digital signature technology.

New, locally-developed, digital signature technology sits behind a major breakthrough for Nigeria’s Delta State government, which kicks off its “Fast Track 90” scheme – a new digital system for the acquisition of legal titles for landed property.

Historically an onerous process fraught with bottlenecks, bureaucracy and prone to fraud, the issuance of Certificate-of-Occupancy (C-of-O) to property owners in Delta State will, going forward, be fast tracked to 90 days and fraud-proofed – thanks to a system written by pbDigital, a division of South African customer communications firm PBSA.

Delta State governor, Senator Ifeanyi Okowa, unveiled the Fast Track 90 scheme at the end of March, saying one of the biggest hindrances to investors was the high cost and delays associated with acquiring the legal titles to landed property in Delta State, Nigeria’s oil and agricultural producing state.

“Fast Track 90, an innovative policy of this administration designed to enhance ease of business in the state, has been initiated to overcome the bottlenecks that have become a recurring decimal in obtaining C-of-Os, it will take a maximum of ninety days for land owners to obtain their C-of-Os from the Ministry of Lands and Surveys and the new system is fast, transparent and in line with global best practices,” says Okowa.

The solution was positioned as having significant benefits for Delta State, including much faster turnaround times, considerably reduced C-of-O fees, security surety and, ultimately, increased investment in the state

Fast Track 90 relies on a software platform – recently developed specifically for the project – which connects to PBSA’s High Security Module Cloud Server infrastructure in South Africa. The solution is a hybrid, digital certificate issuing and verification solution for certificates that also need to be printed on paper.

Leon van der Merwe, head of pbDigital, explains: “Smatforms, a channel partner of PBSA in Nigeria, approached PBSA for a solution to digitise the paper-based issuing process for Delta State C-of-O documents. The solution-platform is built on pbDigital’s cloud technology that uses state-of-the-art cryptography to embed digital signatures in PDF documents.  The system is an end-to-end solution for issuing these documents.”

The software system features four main fully integrated platforms:

* Certificate Creator – a platform to import the variable data of the citizen that appears on the certificate.

* PDF and QR Code Creator – a platform that produces the digital certificates, each with its own unique QR code for printing.

* Digital Signature Workflow – a platform that allows the certificates to go through a digital approval and sign-off process.

* Certificate Manager – a platform that gives management full visibility throughout the certificate creation, sign-off and post certificate management processes.

Certificate verification

The printed certificate that is issued to the citizen contains an embedded QR code, explains Van der Merwe. “When the QR code is scanned with any generic, free QR code scanner using an online smart device, the original electronic document is opened from a secure cloud location. The electronic version of the document and the printed paper copy presented by the citizen can be compared and must have exactly the same content.

“The authenticity of the electronic document can also be verified by using a free version of Adobe PDF Reader to verify the signatures.

“The digital signatures on the document that were applied by the official authorities when the document was produced, carry X.509 personal cryptographic properties. During the verification process, these signature properties will have the verified personal information and Adobe AATL (Adobe Approved Trust List) certificate information embedded in each digital signature.”

Although developed for Delta State’s new C-of-O scheme, pbDigital’s digital certificate software can be used in any process involving the issuance of printed documents in need of future verification. “The software speeds up business processes, digitises workflow – creating a full audit trail – and completely eradicates fraud,” Van der Merwe adds.

Franked mail: adding your company’s stamp of professionalism

Posted on May 18, 2016

FRANKING RANGE NEW

Want to add a touch of professionalism and save time and money with each piece of mail you send out? Franking is the answer.

Fact: franking mail saves you money. Add to this cost-saving benefit things like a heightened image of professionalism, considerable time savings and greatly improved productivity, and you have yourself at least four good reasons to go the franking route when it comes to your business’s outbound mail.

Whether you are a large corporation, small business, government or education institution – or even a sole trader – you can benefit greatly from investing in a franking machine.

Economical, fast and business efficient, franking machines have been around for over 90 years, facilitating outbound mail for businesses of all sizes. The franking machines of today have come a long way, but one aspect has remained unchanged: ease of use.

Franking machines are essentially postage meters that are reset by telephone and are operated in a few simple steps:

  1. An envelope or label is placed into the machine’s printer slot, after which it is franked with your postage, the date, a unique code and your chosen message/company logo (a stamp of professionalism on each piece of mail you send out).
  2. The logo (optional) you want printed on your mail is selected on the machine’s touchscreen (giving you the opportunity to promote your brand).
  3. The parcel or letter is ready to go (that’s it).

Host of benefits

For most businesses trying to harvest profits – or just keep head above water – in today’s volatile economic environment, cost saving is top of mind when it comes to investing in new equipment.

Not only do franking machines offer indisputable financial advantages – i.e. a 4% discount, based solely on the fact that you’re using a franking machine – they come with a range of other attractive perks too.

Bear in mind, all other postal discounts either have a condition attached (like having to buy a certain amount of stamps to qualify) or they have a negotiating element to them (for instance with permit mail, where you have to negotiate the applicable discount). The discount for franking machines, on the other hand, is a given and can also be used on top of other discounts, like bulk post discounts.

Moving on to other benefits, franking machines offer:

  • Faster post: Franked mail goes through the postal system faster. This is for two reasons: firstly, post offices have machines that check the stamps, which takes manual checking out of the equation, and secondly, franked mail is date sensitive, so it has to be processed the same day.
  • Security: Because postage money is loaded via transfer, the requirement to have someone buy stamps and store them somewhere – which is basically tantamount to having money lying around – is a thing of the past.
  • Accounting: With franking machines you can create accounts and allocate passwords, not to mention draw reports. Automating reports removes the human error element and allows for easier book keeping. Remember, too, we are talking tax-deductible expenses.
  • Marketing: As mentioned above, franking machines give you the option of adding messages to the slogan block area of your mail. This can be your company logo and return address, a strong marketing message, urgency note – or even something more jovial like seasonal greetings.

pbOffice, a division of PBSA, recently introduced a brand new range of sophisticated franking machines that caters to every type of business’s specific needs. Economical, fast and able to process even huge volumes of mail, our machines will not only meet all your outbound mail needs – they will go beyond.

Visit our franking machine web page now to see how we can help you cut costs, improve productivity and elevate your corporate image.

Digital onboarding: Inject true intelligence into your business processes

Posted on April 6, 2016

Digital_onboarding

A shift towards paperless business processes is starting to be seen in the business world, and there has never been a better time to take advantage of the host of benefits the move to digital brings, than now.

If your business processes still require customers to fill out paper forms, and you want to do away with this onerous, admin-intensive method, PBSA’s pbVerify digital onboarding systems have a comprehensive and effective – yet painless – solution for you.

Our pbVerify digital onboarding systems enable your business to change paper-based credit applications into efficient online web-based forms that verify the identity of the applicant – in real time – while automatically drawing consumer and commercial credit reports in your back-office system.

This enables you to not only eradicate fraudulent applications, but also to approve quality applications in minutes – rather than days or weeks. The system gives you all the information you need to vet a new customer automatically, while they are busy applying.

With pbVerify, no paper, no print and no manual credit bureau, ITC or CIPC checks are necessary – everything is automated according to your procedures.

pbVerify injects true intelligence into web-based application forms. The system provides real-time quality data via API (Application Programming Interface) on South African citizens, consumers and registered businesses, which can seamlessly plug into any web-enabled application.

The solution is fully integrated with SignFlow (www.signflow.co.za), which enables the applicant/s to sign the application or agreement with a digital signature immediately while online. This not only eliminates time wasted from sending the document to and fro via email for signature, it also increases the success rate on finalised applications.

From burdensome to streamlined

Whether you realise it or not, sending clients applications in the form of Word or PDF documents (even dynamic ones) annoys prospective customers right off the bat – at a stage when you should be impressing them.

The pbVerify digital onboarding solution changes expensive, inefficient, labour intensive and time-consuming processes into a professional, streamlined process that will impress your customers. No printing, no hand-written documents, no scanning no capturing and no time wasted.

Despite a gradual shift to paperless processes, many businesses still use paper and print somewhere in the customer onboarding cycle…Yours doesn’t have to.

For more information on PBSA’s pbVerify digital onboarding systems call 011 516 9400 or email Leon van der Merwe on leon@pbsa.co.za

Making sense of a digital web of data

Posted on February 23, 2016

eepublishers

Posted by EE Publishers on 23 February 2016

There is a myriad of digital data being generated on a daily basis, with bring your own device (BYOD), social media and the internet of things (IoT) becoming increasingly prolific as internet users progress in what is referred to by local research firm World Wide Worx as the “digital participation curve”.

For companies, making sense of it can be a headache, not to mention a major drain on resources. What follows are some of the challenges – and possible solutions – around security issues that should be top of mind in today’s business environment.

It has been a constant battle for the past two decades to ensure a secure internet and, although massive advancements have been made, the internet is still not 100% secure. As we start connecting hardware devices that control things like domestic and business security systems, smart devices, personal fitness devices, tracking devices and electrical appliances – to name a few – the situation will only become more complex.

The hardware appliance is the weakest link – no matter what it is – so the hardware device needs to be built to accommodate security features like encryption, multi-factor authentication and password strength validation.

BYOD boom

While BYOD indisputably brings with it a number of benefits for companies, it also comes with its fair share of security concerns. Organisations that permit BYOD can benefit from a reduced investment in hardware and enable employees to be more mobile and have 24/7 access to network resources.

On the flip side, the possibility of jeopardising company data is a reality that cannot be overlooked. This can be caused by lost or stolen devices, insecure applications, unauthorised access by non-employees and the fact that devices can connect to company networks over insecure wireless networks.

Interlinked with BYOD is IoT – a relatively new phenomenon bringing with it similar challenges. Although IoT is not a mainstream reality in South Africa as yet, it is said to be rapidly heading that way. IoT will become a reality in South Africa without doubt. Every time our devices become smarter and faster, we move forward towards a fully connected IoT.

While growth offers a lot of opportunities, IoT, in essence, is still not mature, or secure. Adding millions of new devices, billions of lines of code, along with more network infrastructure to cope with the load, will create a new set of challenges, probably far exceeding those of the past two decades.

Despite this, it is believed that local businesses do not take security seriously enough. Even though larger, more security-conscious organisations like banks take security very seriously, they do not necessarily align their security strategies to accommodate for future demands or what the impact of their security strategy has on customer experience. So-called midstream businesses in South Africa generally have very poorly managed security policies, if any.

IAM solution

In both instances of BYOD and IoT, security is key, but this does not mean that businesses need to have specialised security needs.

One of the products in PBSA’s software division, pbDigital, advocates is identity and access management (IAM). IAM outsources all required security requirements to run on the latest international identity and access management on one centralised solution.

IAM is a customer-centric identity and access management solution that empowers users to manage their own identities, enabling the organisation to reduce customer care costs by automating the identity processes.

IAM improves customer convenience with verified social identities and provides strong, multi-factor authentication for business-critical transactions. In other words, IAM takes care of centrally managing the identities of online users, eliminating the need for organisations to spend time and recourses on manually managing user access to their networks.

This is one of the means that companies can use to address the security challenges they face amid the burgeoning of data-intensive phenomena like BYOD and IoT. IAM is designed to centrally manage hundreds of thousands – even millions – of identities, devices and their associated access to multiple networks, which is simply not doable with physical customer service or manually managed security.

IAM involves linking the correct person (device owner) to the device. The second application is managing the access rights the device has to one or more networks, and the third is encrypting the channels of communication between the device and the various networks. All of these instances are centrally managed by IAM.

IAM is one of a range of solutions companies can employ to protect their digital empire, says Van der Merwe, and security can not be ignored by companies operating in today’s digital world.

Weak security when it comes to BYOD and IoT in the workplace will affect the confidence of consumers and organisations. This, in turn, will slow the process down until strong security is adapted and users and organisations can enjoy the benefits of IoT confidently and securely.

Contact Leon van der Merwe, PBSA: leon@pbsa.co.za / Tel: 011 516 9459

PBSA chips in for huskies

Posted on November 30, 20151

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PBSA (formerly Pitney Bowes) did its part to help some of SA’s furry friends this weekend, by taking part in Husky Rescue South Africa’s (HRSA) first sleepathon, at the non-profit organisation’s (NPO) care facility in Lanseria, Husky Haven.

The facility, which has 25 runs that house up to 50 dogs at a time, managed to raise over R55 000 from the event – an amount HRSA founder Joanne van Niekerk says exceeded expectations.

PBSA “rented” one of the runs, home to two of the haven’s homeless hounds, Salsa and Tango, and also kitted it out with food bowls, blankets and toys – while one of the PBSA team members spent Saturday night, 28 November, with the husky duo.

Salsa (a female husky-cross-chow) and Tango (a male husky-cross-beagle) were kennelled for a year before their owner gave them up. They have called Husky Haven home for about two years now.

According to Dominique Strydom, Husky Rescue volunteer and sleepathon organiser, 15 kennel runs in all were sponsored on Saturday. Apart from PBSA, First National Bank, Silver Star Casino, Mutt Mix, International Training Academy, Minuteman Press, GI Consulting and Dowry Security also participated.

“Great fun was had by all, especially the shelter dogs who thoroughly enjoyed the human interaction and companionship.”

HRSA has been rescuing and rehabilitating Nordic breeds of dogs for over 20 years now. The NPO held the charity event to raise awareness within the community, in the hope of finding forever or foster homes for some of the rescued huskies – a breed the organisation says is often misunderstood.

IT ONLINE – Pitney Bowes provides ‘lucky last mile’

Posted on October 15, 2015

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Posted by IT Online on 14 October 2015

In preparation for the running of the national lottery, Ithuba sought to digitise its on-boarding system for retailers and introduce a more efficient, paperless process. The company approached specialists in customer communications and digital signature technology Pitney Bowes South Africa, and is now positioned as South Africa’s first truly digital lottery operator.

The system will enable Ithuba agents to take on thousands of new retailers in a short period of time using a tablet-based system in which all critical information is captured on site, auto-populated and verified.  This is a ‘first’ in the National Lottery’s history in this country and a ‘feather in the cap’ for Pitney Bowes, which developed and customised the system for Ithuba’s specific requirements through the company’s e-business division, pbVerify.

“The system means Ithuba can now enrol new retailers using a tablet-driven API (Application Programming Interface) system, enabling the company’s field agents across South Africa to auto-populate electronic application forms with verified identity credentials, business information and the exact GPS location of potential retailers,” explains Leon van der Merwe, business development manager for Pitney Bowes South Africa.

“Once the information is captured, the retailers can sign the digital application form with an electronic signature. The back-office system at Ithuba then performs automated CIPC (Companies and Intellectual Property) checks, commercial credit checks and anti-fraud checks – digitising the entire vetting process.”

pbVerify specialises in customised solutions that focus on digitising specific, paper-intensive business processes and in doing so, completely eliminating the need for paper. Benefits include faster turnaround times when taking on new clients, error-free digital data capturing, a minimised IT footprint and optimisation of business processes.

“This was a perfect match-fit for Ithuba, which need to take on thousands of new retailers in a short space of time,” says van der Merwe.

This system is cutting-edge in the world of digital on-boarding because it offers a complete, end-to-end digital solution, notes Michael Springer, MD of Pitney Bowes South Africa.

“We solve what we refer to as the ‘last mile’. Even businesses which have adopted some kind of digital on-boarding system still do not have the capacity to integrate real-time verified information. Existing systems eventually need to resort to manual, paper-based processes which require human intervention, printing, signing and scanning of documents,” he says. “pbVerify technology provides the solution through a powerful workflow engine which automates the entire verification and credit assessment end-to-end.”

The pbVerify system has relevance for any business regularly on-boarding new clients or customers, a process which normally involves a substantial amount of documents which are required to be completed and signed by the customer. The system utilises personal and business information drawn from various data sources, such as the Government sourced data, credit bureaus, the Companies and Intellectual Property Commission (CIPC) and other reputable data providers, to instantly populate digital form fields.

“This saves time, ensures that the captured data is error-free and ultimately enhances the customer experience,” notes van der Merwe. “In the case of Ithuba, this will ensure a highly time-efficient process whereby thousands of new retailers will be able to come on board through the use of tablets. Automated credit checks are generated by the system and accurate geo-locations and installation data captured in the field ensures meticulous management of the lottery system.”

For Ithuba, pvVerify perfectly matched their requirements for a more efficient on-boarding process as part of its preparations to run a world class national lottery network.

“As the official Operator of the National Lottery, Ithuba is excited about the partnership with Pitney Bowes South Africa as it gives us an opportunity to modernise the lottery and to further grow our retailer footprint through technology and efficient service to our retailers,” says Charmaine Mabuza, CEO of Ithuba.

“Thanks to Pitney Bowes South Africa, we have been able to introduce a ground-breaking paperless system which will vastly enhance our processes and interactions with our retail partners,” concludes Mabuza.

“We are pleased that Ithuba entrusted such a critical and innovative process to us,” says Springer.  “The end-product far exceeded what anyone could have imagined just a few months ago. Not only were the boundaries of “going paperless” pushed further, but we also managed to incorporate the latest in electronic signatures and digital verifications which will see Ithuba soar ahead as South Africa’s first truly digital National Lottery operator,” he says.

pbVerify launches Bank Account Verification

Posted on October 10, 20141

Business and Consumer Bank account verification

Bank Verification Service

Our Bank Account Verification Services allows you to efficiently verify the bank details of a consumer or business and determine the status of the account – whether the account is currently active, open or closed and whether it has been open for more than three months.

Bank account verification is a standard feature within the pbVerify system to easily verify whether the bank account details of a consumer or business is legitimate and active. This service is also available to third-party integrators via an API.

This is of great value to credit providers and other businesses that require a means of verifying the validity of a consumer or business’ bank account before making a pay-out, granting credit or activating debit orders.

Need this as an integrated service on your web-form or application layer?
No problem, we also offer full integration with any web service or software system via our XML SOAP API.

For more info visit pbVerify website on Bank Verification Services.

Contact us on 011 516 9400 or send an email to support@pbverify.co.za

Digital onboarding: The Benefits

Posted on September 1, 2014

On-boarding new clients doesn’t have to be an administratively intensive task.

Digital signatures make your workplace more efficient

While most companies make use of print outs, signed documents, scanning and passing on information manually, there is an easier way, thanks to the revolutionary, digital Intelli-forms from pbVerify. These are only a few of the benefits of pbVerify Intelli-forms:

Digitise the process

What happens to new clients if the client service agent is sick, his or her laptop gets stolen or the paperwork disappears? Manage these risks by digitising the onboarding process with pbVerify Intelli-forms.

Eradicate errors

When a number of people work together in order to make a manual, paper-based workflow run smoothly, there’s a lot of room for error. pbVerify Intelli-forms  will help you eradicate errors and increase process efficiencies by automatically populating forms from limited information entered.

Fully customisable

Every business is unique and only you will know exactly what information you need in order to kick-start the on-boarding process. pbVerify Intelli-forms are fully customisable and everything from database entries to specific Terms and Conditions can be determined by you.

Verify information automatically

When a new client gives you an ID number or business information, this information needs to be checked by your staff. With pbVerify Intelli-forms, all the client has to do is enter their relevant information and pbVerify Intelli-forms will take care of the rest. Information such as the last known address and telephone numbers are obtained and populated automatically and business information is verified with CIPC and auto-populated in the form.

Sound too good to be true? It isn’t. Find out more here

Electronic Signatures

CoSign is the most widely used digital signature solution in the world. Whether you’re in a security-minded industry or you’re simply looking for a way to increase efficiencies, digital signatures can work for you.

What makes CoSign so effective is the fact that it adapts to your existing processes, governance policies and SOPs, instead of forcing you to adopt rigid workflows. The digital signatures are integrated into the document/content management or workflow automation system of your choice, including SharePoint, OpenText, Oracle, Alfresco, Nintex, K2 and many more.

When you transition to digital signatures, you can rest assured that your documents are always kept within your company’s domain without you ever having to save it on a third party server. Minimising business risk and improving efficiencies starts with implementing technology that can truly change the way you do business. Find out more about digital signatures now.

IT ONLINE – New digital signature tech from Pitney Bowes

Posted on August 22, 2014

Electronic signatures in South Africa

Posted by IT-Online on Aug 6, 2014 in Document ManagementTechnology Areas

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Pitney Bowes South Africa, a leading provider of customer communication solutions, in partnership with ARX Cosign, the market leader in digital signature technology, has launched a powerful, integrated solution which streamlines and digitises document signing processes.

This new, ground-breaking technology – called ‘CoSign Click’ – is set to revolutionise how companies ‘on-board’ new customers. This is achieved through the elimination of the cumbersome and time-consuming manual process of printing out forms, signing in pen, scanning and uploading or emailing the document.

Leon van der Merwe, business development manager at Pitney Bowes South Africa, explains: “Co-Sign Click is a digital signature solution which enables a company’s customers to sign on-line documents and forms electronically without them requiring a digital signature or any hardware signing device.

“Until now, signing electronically with a digital signature was only available to licensed subscribers of digital signature applications. This new technology is great news for companies requiring customers to provide a once-off signature on a document or form.”

Pitney Bowes is the first company to introduce CoSign Click to South Africa, and is excited to introduce the numerous benefits of digital signature technology to local businesses.

“In South African law there are certain statutes that require a signature before a document can be considered valid. If this signature is to be applied electronically, the Electronic Communications and Transaction (ECT) Act of 2002 refers to an ‘Advanced’ Electronic Signature (AeS) and is the only type of electronic signature that is recognised as legally acceptable.

The partnership with ARX offers our customers a legally compliant solution for digitally signing documents which can then be seamlessly integrated with their Electronic Document Management system,” says Van der Merwe.

He explains how it works: “There are three areas in which the technology ensures compliance, which we refer to as the three ‘I’s’: intent (to sign), identity (of the signer) and integrity (of the document). After a person electronically signs a document the content of the document is protected. If changes are made to the signed document, the signature will no longer be valid.”

“Digital signatures have become increasingly necessary in today’s international and local business world, as companies strive to automate and streamline their systems.

These include local government and financial services businesses, one of which has been able to reduce their customer on-boarding process from a time-consuming paper-based system taking 5 to 7 days down to 40 minutes.
CoSign Click therefore provides a slick alternative to what has historically been a paper-intense and inefficient process. This requires no printing or scanning, does not waste time, and essentially provides an end-to-end solution which completely digitises the customer on-boarding process.
“Form-filling can be a very cumbersome process, for both companies and their customers. In the light of this, our collaboration with ARX offers South African businesses very real and tangible benefits. We offer companies a quick, safe and efficient system that we believe will transform the way in which many organisations interact with their customers – which in South Africa has historically been a very paper-based business culture.

“Pitney Bowes SA has helped companies for many years to enhance their customer communications capabilities. Part of Pitney Bowes Incorporated – the global business solutions provider – Pitney Bowes SA is at the leading edge of digital signature technology in this country,” Van der Merwe concludes.

Knowing your customer is key to success in SME sector

Posted on June 19, 2014

SME Credit Business Credit Check

SME Credit Business Credit Check

Why the Credit vetting process of your potential and current clients in a Small to Medium Enterprises environment (SME), should be at the top of your list…every day.

SME’s are at a greater risk than large corporate companies due to the simple fact they have tight cash flow restrictions. If a client deviates from paying their 30 day account by 2 or 3 months it directly affects the business, owner and its employees.

The percentage of small businesses simply skipping out on this critical process is staggering.

A detailed credit application document with the correct capture information, credit vetting consent and related terms of agreement will go a long way in protecting the financial well being of your organisation.

By utilising an easy to use, online, credible and accurate credit vetting systems like pbVerify that is connected to all major credit bureaus and credit data providers will avoid getting your Debtors book in a twist.

pbVerify is specifically for small to medium sized businesses and brought to you by the trusted global name in customer communications, Pitney Bowes.

“Simply taking the steps to check the credit status of companies and Directors before doing business with them is straightforward, very affordable and it could make all the difference” Says Sean Bennett, senior national consultant at pbVerify.

Using a reliable credit vetting system to truly know your customer is the first responsible step to caring for your future and that of your business.

For all your Credit Vetting solutions, please visit www.pbverify.co.za or contact Sean Bennett on 011 516 9400 (Opt. 2) for a product demonstration.

Keep control of your finances and monitor your credit score with pbVerify

Posted on May 9, 2014

Excited Shopping Woman

Do you know your personal credit score? For all consumers in South Africa, knowing your credit score and having an up-to-date copy of your credit report is vital to your personal finances. pbVerify allows you to monitor your credit score and maintain control of your credit report whilst taking steps to improve it if need be.

Everyone experiences financial difficulties in life and if your credit score has suffered, this is nothing to be ashamed of. Rather than ignore the problem and hope it goes away, it’s best to be proactive and take the necessary steps to get your credit score into a desirable range and to improve your chances of being granted a line of credit again in the future.

The credit report you get from pbVerify will show you your current credit score and it’s the same information that credit card companies, banks, employers, property agents and other lenders will see if they conduct a background check on you. How often you monitor your credit report is up to you, but every time you are active with credit transactions your credit report changes.

When it comes to personal finances, your credit report is of the utmost importance and pbVerify allows you to remain in control and take the steps necessary to improve your credit score. For more information on obtaining your personal credit reportfrom MYpbVerify please contact us today.

What Does the New Credit Amnesty Law Mean for You?

Posted on April 1, 2014

Credit Amnesty

Credit Amnesty

One 1 April 2014 the hotly debated New Credit Amnesty Law will become enforced in South Africa – this is according to the Consumer Goods Council of South Africa. The financial industry has offered fierce opposition for the law since it says that it will increase lender’s risk while at the same time increasing the cost of credit. The reasons for this range from being unable to source reliable credit information from consumers to being unable to trust inaccurate credit bureau reports. However, a watered down version is about to come into effect.

It will have implications for millions of South Africans and will change the way the financial industry will be able to vet potential credit applicants.

An overview of the bill includes directing credit providers to conduct more comprehensive affordability assessments on prospective consumers applying for credit. It will also require credit providers to use discretionary income guidelines when considering extending credit. Creditors will also need to prove that consumers have the discretionary income that they claim. This aims to help to protect borrowers against aggressive lending from financial institutions.

Why a New Credit Amnesty?

The South African government wants as many credit active consumers to have access to credit. Currently, 9.5 million South Africans have an adverse credit status. This is just shy of half of credit active South Africans. The government provided the following motivations for bringing into effect the new Credit Amnesty Law:

• Availability of credit is a key enabling mechanism for development and investment;
• A failure to make available widespread access to credit will often result in loss of opportunity to entrepreneurs as well as the wider economy;
• Inaccessible and expensive credit hinders growth; and
• Credit spurs on consumer spending, which is a key driver of economic growth, among other reasons.

Benefits to the Consumer

Through the new Credit Amnesty Law, the government wants to:

• Reduce credit impairment by addressing its causes;
• Remove the barriers to credit and assist those consumers who are able to afford credit to access it;
• Achieve the goals of the National Credit Act;
• Reduce over pricing of credit; and
• Remove barriers to employment, among others.

In the past blacklisted consumers needed to approach the courts to have their names cleared from adverse listings on credit bureaus. This legal process which involves the courts was time consuming and expensive for consumers. The law seeks to redress these difficulties and make it easier for consumers to have their adverse listings removed from credit bureaus without expensive court proceedings.

Your credit information is continuously gathered by credit bureaus from various sources that have extended you credit. These include lenders, banks, retailers, landlords and employers, among many others. At pbVerify we realise that as an active credit consumer you need to know your credit status and have a complete picture of your credit score and credit history.

The MYpbVerify premium credit report will consider all possible influences that exist on your credit rating and combine it into a single and easy to read credit check report. You will be able to form a complete picture of your credit status and history in the market and see what prospective lenders see when they consider your credit application. Contact pbVerify to learn more about many value-adding services.

Before you extend a line of credit, check the consumer’s credit report with pbVerify

Posted on March 17, 2014

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Due to recent reports that millions of people in South Africa are in debt, it’s critical that lenders check each applicants’ credit score in order to mitigate risk and avoid making a bad business decision. With pbVerify you’ll get access to consumer credit reports, be able to access applicants’ credit health and have all the information available to assist you in making smart business decisions.

What type of businesses can benefit from using pbVerify?

  • Credit grantors – Any Business selling on account. Check the credit worthiness  of each applicant and use it as as risk management tool, whether you’re lending to an individual or to another business.
  • Trace agents – In order to locate consumers who have defaulted, pbVerify gives you access to more than 30 million consumer records and our services are widely used by thousands of trace agents.
  • System integrators – In order to verify the identity of consumers in the retail and HR industries, use our ID API services and get full and complete Home Affairs information.
  • Estate agents and letting companies – Our credit check and deeds search services are widely used to assess prospective renters and to obtain information on property owners in South Africa.

»» More – How it works

Managing risk and properly assessing credit applicants is a vital part of any business that lends money to individuals or to other businesses. When you register with pbVerify you’ll be able to make smarter business decisions, protect your company and get the full and complete information on specific consumers before deciding on a plan of action.

For more information on obtaining a credit reportfrom pbVerify please contact us today. We look forward to hearing from you!