The Financial Intelligence Center to begin with:http://www.acts.co.za/financial-intelligence-centre-act-2001/
and all the various agencies that no doubt extract data from them, with or without their consent.
If we didn't so desperately "need" a secure society (as our "leaders" allege we do), half of the new-fangled payment schemes, mobile money, and credit card promotions would not "need" to exist, and the bullet-point feature-list used to promote them would be a few critical items shorter.
In the end, it's not whether the means of exchange are "cash" or not, or "electronic" or not, it's about whether they reveal huge amounts of private information about individuals going about their day, to many faceless entities. Out "leaders" are trying to secure our society by (amongst many other things) making it impossible to do fraudulent financial things, but this has a knock-on effect of making it impossible to do anonymous financial things, and then anonymous communication things. And of course at this point you will probably say, "well you have nothing to hide, so you should have nothing to fear, right?", to which I will say go search the term "Nothing to hide" and read for a few hundred pages, or look up links I've provided here over the years, dealing with exactly that topic.
That's probably what all the money/tech moguls working to make it happen are saying...
