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TymeBank: digital disruption in SA’s banking sector

Boris Urban (Wits Business School, University of the Witwatersrand, Johannesburg, South Africa)
Stephanie Althea Townsend (Wits Business School, University of the Witwatersrand, Johannesburg, South Africa)

Publication date: 15 July 2021


Learning outcomes

Amongst others, these are that students should be able to: identify key components of corporate entrepreneurship; assess the role of technology innovation in terms of creating a competitive advantage; appreciate how an entrepreneurial orientation is related to innovation and growth; and make an informed decision regarding key success factors in influencing growth and sustainability.

Case overview/synopsis

TymeBank became the first fully branchless, digital bank in South Africa when it launched in February 2019. Since then, the bank’s customer base had grown beyond expectation, but the market had also become more competitive, as new digital banks opened for business and traditional banks expanded their range of digital offerings. The case situates the chief executive officer, Tauriq Keeran, in November 2019, considering how whether the bank was doing enough to grow, in the face of this competition.

Complexity academic level

Master’s level business students, as well as entrepreneurship, innovation and digital business at both undergraduate and postgraduate level.

Supplementary materials

Teaching Notes are available for educators only.

Subject code

CSS 3: Entrepreneurship.



Disclaimer. This case is intended to be used as the basis for class discussion rather than to illustrate either effective or ineffective handling of a management situation. The case was compiled from published sources.


Urban, B. and Townsend, S.A. (2021), "TymeBank: digital disruption in SA’s banking sector", , Vol. 11 No. 2.



Emerald Publishing Limited Bingley, United Kingdom

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