The allocation of capital greatly influences patterns of ownership and production in the economy. So why has greater transformation and economic inclusion in the financial services sector been so sluggish, seriously lacking at best and at worst regressing?

Why is it that after more than 25 years of a democratic dispensation our country has yet to create the economic ecosystem necessary for transformation of the financial services sector to thrive through an integrated policy environment that encourages transformative ventures to take hold and succeed?..

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