Mo N

To the Executive Committee of Nupay

To the Executive Committee of Nupay, It has become intolerable to witness the conduct of the account managers assigned to the Cape Town district. These individuals are colluding with *****ulent entities—specifically LDM / Capital Consulting and NR Financial Services—and are jeopardizing every principle that Nupay claims to uphold. The managers routinely accept instructions from the owners of those companies, blatantly violating the contract of client confidentiality that governs our operations. They have disclosed sensitive corporate information to third parties who are simultaneously on their payroll, creating a clear conflict of interest and a breach of trust that cannot be ignored. Such behaviour directly undermines Nupay’s brand, especially as a debit‑order platform that relies on the confidence of merchants and consumers alike. When account managers trade confidential data for personal gain, the entire ecosystem suffers: merchants lose faith, consumers fear *****, and Nupay’s regulatory standing is put at risk. Immediate remedial action is required. I demand that the current Cape Town account managers be removed from their positions without delay and replaced with personnel who have demonstrable integrity and a clean compliance record. Additionally, an independent audit should be commissioned to trace all communications and transactions linked to LDM, Capital Consulting, and NR Financial Services during the past twelve months. Failure to act swiftly will result in further erosion of client trust, accelerated attrition of merchants, and potential legal exposure for Nupay. The reputation of our division hinges on decisive leadership; any hesitation will only cement the damage already inflicted. Please issue a public statement outlining corrective actions, so clients understand accountability and can regain confidence; transparent communication is essential swiftly to repair the damage inflicted immediately today now again.