TransUnion's Consumer Credit Index (CCI), for the second half of 2,025 indicates that South African household credit health is steadily recovering, supported by recent policy developments. Lee Naik, CEO of TransUnion Africa, notes that households are moving beyond the peak of financial strain and gradually regaining stability, even amid moderate economic growth. He adds that TransUnion has observed a strong correlation between improving credit behaviour and a Budget speech that emphasises fiscal discipline while delivering targeted income support. Thami Ngubeni spoke to Fatgie Adams, Head of Credit Risk Solutions at TransUnion