TEAM
Our team is filed with passionate individuals who put their best resources forward.
They come from diverse backgrounds of banking, finance, technology, sales and marketing with a shared commitment to becoming a movement set on transforming millions of lives in and outside the workplace to achieve financial security through our solutions.
Our team provides companies with the resources to ensure that their employees are set up for financial success at no cots to client’s existing payroll, IT and HR processes.
What makes us different
Simplicity through technology
CZA is backed by modern technology that will drive engagement, retention and pay guidance impact. Lived experience that makes our team empathetic and accessible to anyone. We are not chasing a new revenue stream. We are about transforming lives.
Well priced short term products are out of design reach for most people
- either because of fees, credit history, minimums or how complex they are in their design. CZA’s value proposition enables workers a chance to transform their relationship with money.
Orientation on impact
Our #1 aim is to unlock impact in the lives of workers. We believe that the more we can catalyse financial access and increase their social impact, the more we will be rewarded with trust as a platform.
Community experience
Financial freedom is a major challenge for workers. Overall financial health has broader effect on the industry, family and community. It is therefore the concern of everyone.
✓Advance up to 50% of Your Pay - Access your Money Anytime
✓Deposit into any Bank Account in South Africa
✓Affordable Administration Fee per Pay Period
✓Automatic Repayment on Payday
✓ It's an Advance - Not a Loan, No Interest (APR) Paid
Employers
- Let us help you put your people first
- Improve work productivity and lessen workplace stress by transforming your workforce’s relationship with money
- Attract, motivate, and retain employees by supporting their financial wellbeing without cost
- Quick, secure, and simple enrolment without the need to integrate your payroll to our system
- Real-time and automatic repayments that make salary advances effortless
Providing A Solution For All Workers
What is Earned Wage Access (EWA)?
EWA lets employees both full-time and contractual- access a portion of their real time salary before their monthly payment is due. The balance is paid to the employees as usual on payday. It's a free, employer-backed initiative that helps employee manage their mid-month liquidity crunch and lead stress-minimised lives.
The way that it works is that CZA partners with employers, basing it on their payroll system to track the amount of wages their employees have earned & then provide a way for employees to access those wages when they want to through means such as a mobile app or other channels EWA replaces the extended, locked pay cycle concept, invented in the 1960s as banking infrastructure evolved and processing fees became expensive for employers and banking providers.
SOLUTION
CZA’ s digital EWA solution sees employers return to enabling staff flexible access to wages already earned and owed, throughout the month within a broader financial wellbeing programme.
We provide a powerful employee benefit that improves individual financial well-being and boosts morale while giving employers a valuable tool for recruiting and retaining workers.
Products
Our products are:
- Earned Wage Access – pay on demand
- Employee hardship funds management
- Rewards and incentive benefit management
- Financial wellness and literacy tools
CZA products are designed to change mindsets by rewarding borrowers for good habits, rather than punishing bad ones. Our Debt freedom products are built by people who’ve actually experienced debt.
Benefits of EWA
- Use of EWA is consistent, primarily for bills and groceries
- Stress decreases
- Financial confidence improves
- Budgeting improves
- Savings behaviours improve
The wider social impact of EWA:
- Quality of life increases: outperforming global benchmarks on financial inclusion
- Debt cycles recede: users rely less on emergency income access over time
- Reliance on high-cost credit decreases: for pavement loans, credit cards
- Workers prefer it: say EWA is better than any alternative
We are committed to rewriting the invisible rules of money.
Providing A Solution For All Workers
EMPLOYEES
We empower workers by providing them access to a suite of high value, low cost financial services via a positively validated deduction based model of pay.
CZA empowers people to take control of their finances and eliminate the need for predatory payday loans.
EMPLOYERS
CZA helps businesses implement an on-demand pay that encourages more financial equity and literacy among employees.
Employees using guided EWA are more motivated at work, resulting in reduced absenteeism as per many independent external studies.
Companies across the world have come to realise and understand that longer pay cycles can be difficult for employees. Going two weeks or even a month may not align when bills are due or facing the irregularity of living costs.
CZA gives employees the power to access their money when they need it for emergency reasons.
PLATFORM
The CZA platform is a seamless and flexible early pay processing tool.
- Minimal Effort. Minimal Cost to employees
- No Cost for Businesses- is 100% free for businesses.
- On-Demand Pay- Employees can access earnings before payday.
- Download from Google Play and the App Store.
- Instant access - 24/7
- No Credit Checks – repairs and not hinder credit records for fully employed
- Budgeting and saving tools – financial wellness driven tools.
- Dashboard – visualising and tracking activity and payoff patterns
We demonstrate empathy towards people's financial wellness, which increases trust, loyalty, sales and revenues.
Simple business sense.
Are you ready to experience CZA?
With CZA, you can access your money from any location, anytime, and on any device.
Connect With Us
info@czafrica.com
Phone
072 223 0606
Address
155 West St, Sandown, Sandton, 2031