Research reports

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.

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.