Banking, for most of South Africa's history, catered only to the few. That was until Capitec changed the playbook, disrupting the country's 'big four' - Absa, Standard Bank, FNB and Nedbank. In the early 2000s, a plucky team of entrepreneurs transformed a network of microlenders ('loan sharks' as some called them) into a challenger bank. This young financial services company's exponential growth is a case study in innovation with clear lessons about doing business in Africa.