insights | Reports

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Facilitating Southern African remittance networks

The intra-SADC remittance market is estimated to comprise at least R6.2bn in annual cross-border flows (or approximately US$1bn). However, much of this money travels via informal channels, to a large extent because the regulatory environment is not enabling. Barriers to the formalisation of remittances are strongest in anti-money laundering, exchange control and immigration legislation. The […]

SADC Payments and Remittances
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Mobile Banking: Implementation Choices

One of the key barriers to access to financial services to the poor and particularly to the poor living in remote rural areas is the price of being banked. The costs include both the fees charged by the financial institutions and the time and money required to access the banking infrastructure. The ability to make […]

SADC FI
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Enhancing access to banking and financial services in Botswa...

The banking sector plays a crucial role in any economy through the provision of financial intermediation and payments services. Through these services, banks enable the efficient allocation of savings and investment, and enable financial transactions to take place at minimum cost. In discharging these functions, Botswana’s banking sector has many strengths: it is reasonably efficient, […]

SADC FI
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The National Credit Act And Its Regulations In The Context O...

With its National Credit Act (2005) and Regulations (2006) the South African government is moving aggressively against predatory lending, consumer abuses and outdated, piecemeal and ineffective legislation on consumer credit. This paper analyses the potential impact of this Act and its regulations on access to all forms of financial services. The South African financial sector […]

SADC FI