FNB has stirred up the race to build “ecosystems” that encourage and enable its millions of clients to safely and securely transact in a range of fields that include buying and selling property and motor vehicles.

The creation of closed-circuit markets by financial institutions has long been considered to be the next step in the evolution of “platform banking” — a broad term used to describe the intelligent use of data to serve products and services based on clients’ individual needs...

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