Research reports

Banking on small and medium sized enterprises

The small, micro and medium enterprises have become a national focus area in South Africa, with many state and private institutions wanting to understand this complex ecosystem. Access to finance has been a popular narrative for the lack of growth of this sector, but it has many friction points that all contribute to the current state of SME development.

Lessons from the COVID-19 pandemic in South Africa

With both a health crisis and a mobility crisis, caused by the restrictions of a National State of Disaster, the financial sector adapted their contingency plans for a financial crisis, to place the customer at the centre while rapidly shifting to a work from home environment for everyone, never anticipated by a highly regulated and conservative sector. This research covers the impact of Covid-19 on the financial sector in South Africa.

Measuring competition in banking report

Measuring competition in the banking industry is challenged by the highly regulated nature of banking. Multiple licencing options can restrict banks in their service offering. The exclusion of non-bank competitors offering bank like products and services from the measurement, and a range of ancillary services offered by banks not directly related to banking, complicate simple mathematical models.

The impact of the 4th industrial revolution on the South African financial services market report

The World Economic Forum published its report “The future of Financial Services: How disruptive innovations are reshaping the way financial services are structured, provisioned and consumed” and within this global context, we wanted to examine how the South African banking sector was embracing this digital revolution.