This paper briefly captures the origin, history and the structure of Capitec Bank. It is a story of institutional growth, formalisation, and the development of products, which serve clients with what they want, where they want it. The paper discusses the nature of business and the bank’s operating mechanism. Key issues discussed in the paper are – market and attributes accessibility, affordability, simplistic transaction methodology developed by the bank; its range of products and pre conditions required for a loan. In short it discusses the management and governance of the bank, its administrative and operating systems and associated risks and achievements. Additionally it documents the bank’s strengths and challenges and outlines the lessons for the mainstream MFIs.

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