Warp logo logo on transparent background.


DebtBusters in Cape Town serves over 75,000 South Africans with tailored debt relief solutions and a web portal, Smartcents, for transparent financial management and education.

Project Setup

DebtBusters operates from a centralised office in Cape Town, South Africa, from which more than 350 employees service clients nationally. DebtBusters’ purpose is to reach out to all, lift the burden of debt and protect their client’ future. To date, DebtBusters has assisted more than 75,000 South Africans, providing each with excellent customer service and solutions tailored to meet their individual needs. DebtBusters prides itself on being a key player in shaping the development of the industry and this is helped by its extensive relationships with credit providers, its innovative approach to business and its continual investment in data, analytics and technology.

Smartcents, a personalised self-help web portal, was developed for Debtbusters’ clients in 2014 to offer them a more transparent way of viewing their debt counselling progress.

Smartcents allows them to:

The Challenge

With the amendments to the National Credit Act (NCA) in 2016, the courts started accepting digitally signed contracts which opened the opportunity for DebtBusters to engage with WARP Development to help them build a digital sign up process on the Smartcents platform. This would allow them to extend the philosophy of transparent financial information to potential clients.

This digital sign-up process had 3 main components:

My debt dashboard displayed on screen.

The Solution

Smartcents was rolled out to DebtBusters’ financial consultants in early 2017, to use as a digital acquisition channel. Potential clients can apply digitally using either a PC or a mobile device, as an alternative to printing, signing, scanning and emailing their application.

My debt dashboard displayed on screen.

Project Results


of new potential clients use Smartcents


of IDM's clients choose Smartcents

2 business days

turn-around time decreased from 4 to 2 business days

Ready to future-proof your business?

Let us help you build the technology solution your business needs for a scalable future.