Welcome: Nompu Siziba – Moneyweb Market Watcher: David Shapiro – Deputy chairman, Sasfin Securities Take-home pay margin shifts as more lower-paid employees lose jobs – Bankserve: Shergeran Naidoo – Head of Stakeholder Engagements, BankservAfrica Tech start-up to deliver R3.5m in scholarships: Riaz Moola – CEO, HyperionDev New open banking platform launches: Andre Hugo – CEO, Spot Money Projected money market returns looking meagre: Thalia Petousis – Portfolio manager, Allan Gray Executive lounge: Margaret Hirsch – Co-founder and executive director, Hirsch’s Homestores |