Picture a beverage distributor in Gauteng with 25 reps covering spaza shops, taverns and wholesalers from Soweto to Polokwane. The sales manager has a beat plan on a spreadsheet, check-ins arriv…

Collections rarely collapse in a single day. With Non-Banking Financial Companies (NBFCs), repayment instability occurs quietly. An occasional reversal in making field visits, follow-ups, borr…