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Devina Maharaj is an experienced banking professional and the Program Head of Investec Business Online and API Banking SA. She has a Master of Business Administration from the University of the Witwatersrand, specialising in business and commerce, and was previously Investec\u2019s Head of Digital for South Africa. Maharaj has also served in the role of Team Lead for Strategic Projects at the financial services firm, and previously worked as Head of the Corporate and Career Programme at The Posse Foundation in the United States.\n\nIn this What\u2019s Next interview, Maharaj discusses Investec\u2019s cool new private banking product \u2013 Programmable Banking. She unpacks what this product offers, why these features are so valuable, as well as the major pain points that they solve \u2013 such as the desire to have more control over their digital experiences. Maharaj also explains why Investec partnered with OfferZen on this product, before discussing how Programmable Banking will revolutionize both the local business banking market, and how businesses and individuals operate and transact in the digital economy. She concludes by discussing Investec\u2019s plans to build upon Programmable Banking to provide even more value to its customers.