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We are humbled in winning the Sunday Times Top 100 Companies award 2018, among a number of other recent accolades. While we've never been about chasing awards, there are four pillars that have been part of our success and that should be of interest to anyone building a company. Focus - say "no" more than you say "yes" I have been asked to enter overseas markets and launch products that are outside of our focus or too soon for our business plan. But because we want to be the best at just a few things, I tend to say "no" more than I say "yes". Looking at possibilities and new ideas is important. However, innovation must be channelled to meet client needs and solve problems. We have a simple business and a passion for detail. It drives us to develop systems and measurement tools so that we are able to pull information quickly in order to evaluate progress or pick up problems. Trust your team - be open and honest We started Capitec with a group of individuals all very different from one...

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