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In this Investec What\u2019s Next in Business Banking interview, Investec\u2019s Kevin Hogan and Thivian Moodley discuss the importance of security in business banking.\n\nHogan is the Head of Fraud Risk at Investec. He has worked in the banking industry for 21 years \u2014 first as a credit analyst at Nedbank and then as part of the first retail banking fraud prevention team, which he led until 2009.\n\nMoodley is the Head of Product and Development for Investec Bank\u2019s Transactional Products and Solutions, and Client Value Proposition segments. He leads the team responsible for building and launching the Investec Business Transactional Banking platform for business and corporate clients.\n\nHogan begins the interview by discussing the changing cybersecurity landscape and which threats are particularly prominent at the moment.\n\nMoodley then explains how Investec implements security measures into its business banking products, noting how it approaches the challenge of balancing security with a great customer experience.\n\nHogan also discusses which security tools are indispensable for business banking, while Moodley explains how smaller businesses can protect themselves without the huge budgets of a large enterprise.\n\nMoodley then discusses the key focus areas that Invested Business Banking is examining right now, particularly in the mid-market segment.\n\nHe touches on the PayShap rapid payments programme RPP and its security benefits \u2014 including reducing the amount of physical cash South Africans use and more secure payment authorisations.\n\nHogan concludes the interview by explaining the importance of customer education, noting that modern threats are still underpinned by the same fundamental premise \u2013 social engineering.\n\nInvestec Bank Limited registration number 1969/004763/06, an Authorised Financial Services Provider (11750), a Registered Credit Provider (NCRCP 9), an authorised Over the Counter Derivatives Provider and a member of the JSE. Investec is committed to the Code of Banking Practice as regulated by the National Financial Ombud Scheme. Copies of the Code and the Ombudsman's details are available on request or Investec COBP.