BNP Paribas Personal Finance set foot in South Africa by acquiring 100% of RCS in April 2014. Established in 2000, RCS is the South African specialist of retailer credit card programs. RCS also markets personal loans and insurance. RCS has 1,250 employees and 1,005,000 active customers. In December 2014, RCS acquired the consumer finance activities of JD Group, a major South African retailer, which is 86%-owned by Steinhoff.