Whitepapers, notes and working ideas from The Khumalo Group — on building systems in African markets, on risk, and on where the two meet.https://khumalogroup.com/en-zahttps://khumalogroup.com/insights/what-a-back-office-owes-its-members/https://khumalogroup.com/insights/what-a-back-office-owes-its-members/A back-office system is a promise to the people whose records it holds. Here's how we design for that obligation, not just the workflow.Thu, 18 Jun 2026 00:00:00 GMTsystemsbuilding-in-africaPensions & Retirement FundsThe Khumalo Grouphttps://khumalogroup.com/insights/risk-and-systems-in-african-markets/https://khumalogroup.com/insights/risk-and-systems-in-african-markets/A working paper on where technology and risk meet in Southern African institutions — what scales, what fails, and why the two disciplines belong together.Tue, 02 Jun 2026 00:00:00 GMTrisksystemsbuilding-in-africaPensions & Retirement FundsInsuranceHealthThe Khumalo Grouphttps://khumalogroup.com/insights/self-insurance-structures-explained-for-boards/https://khumalogroup.com/insights/self-insurance-structures-explained-for-boards/When carrying your own risk beats buying cover — and how a board can tell the difference before committing.Sat, 30 May 2026 00:00:00 GMTriskInsuranceCo-operatives & Member OrganisationsThe Khumalo Grouphttps://khumalogroup.com/insights/building-for-low-bandwidth/https://khumalogroup.com/insights/building-for-low-bandwidth/Performance is not a finishing touch in Southern African markets — it is a first-class requirement, and it makes the product better for everyone.Tue, 12 May 2026 00:00:00 GMTsystemsbuilding-in-africaHealthLogisticsThe Khumalo Group