If you remember the United and Allied building societies (where as a child I had my first savings account), you must be at least as old as I am. Then along came Capitec in the 2000s, run not by bankers, but by businessmen who had their roots in the liquor trade. These guys jolted the traditional banks out of their "we've-always-done-things-that-way" malaise, grabbing existing market share at a breathtaking rate and doing far more than the "Big Four" to reach the previously unbanked, through simple, easy-to-understand products and a user-friendly platform.