insights | Reports

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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Regulations (2006) the South African government is moving aggressively against predatory lending, consumer abuses and outdated, piecemeal and ineffective legislation on consumer credit.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
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A regulatory review of formal and informal funeral insurance...

The need to provide for funerals is one of the key drivers of financial behaviour for many South Africans and has led to a relatively sophisticated and widely accessed informal financial sector. It is estimated that over 6 million people currently belong to burial societies where an estimated R6 billion is invested every year- in […]