Professor Angela Itzikowitz is an Executive at ENS in the Banking and Finance practice. She specialises in banking and financial market regulation, including finance and regulatory reform, card and related electronic payment instruments, derivatives, loan agreements, collective investment schemes, insurance, anti-money laundering, debt origination and securitisation.

She is the founder and co-head of ENS’s Fintech Department and has advised a number of banks and start-ups on Fintech regulation. Angela’s recent experience in Fintech matters includes advising the South African Reserve Bank on the formulation of a position paper and policy document on the regulation of crypto assets. She has also authored the South African chapter in a number of international publications on the subject and has lectured widely on the topic at the University of Cape Town and the University of Hong Kong.

She has done a significant amount of work in South African Development Community (“SADC”) countries including regulatory law reform through capacity building projects. She drafted and advised on the Finance and Development Protocol for SADC in her capacity as a senior legal expert. She has also advised the World Bank on deposit insurance and bank insolvencies.

Angela is a professor in banking and financial markets law at the University of the Witwatersrand and a has been a visiting professor at a number of international universities including Shanghai University of Finance and Economics and the Hong Kong University (“HKU”). She is a member of the Board of International Scholars, London Institute of Banking and Finance, and is a Professorial Fellow at the Asian Institute of International Financial Law, University of Hong Kong. and is the recipient of a number of international fellowships and awards and sits on a number of advisory committees and company boards.

She is the author of the Law of South Africa Banking and Financial Markets, has co-authored a number of books and has published numerous articles in local and foreign journals.

Angela is recognised as a leading/recommended lawyer by:

• Chambers Global Guide 2026, 2025, 2024, 2023, 2022, 2021, 2020, 2019, 2018, 2017 – Banking and Finance: Regulatory; 2015 – Banking and Finance (South Africa)
• Chambers Fintech Guide 2026, 2025, 2024, 2023, 2022, 2021 – South Africa)
• Who’s Who 2019, 2018 – Banking, FinTech - Global leader (South Africa)
• Who’s Who 2019 – Regulatory - Global leader (South Africa)
• Best Lawyers® 2023, 2022, 2021, 2020, 2019, 2018, 2017, 2016 – Banking and Finance (South Africa)
• The Legal 500 EMEA 2026, 2023 – Banking and Finance (South Africa)

Education

• BA (Stellenbosch University)
• LLB (Stellenbosch University)
• Program of Instruction for Lawyers (Harvard University,USA)
• Legal Aspects of International Finance (Banking and Finance Law Unit, Queen Mary College, University of London, UK)