Annual reports from the Reserve Bank and the Payments Association of SA provide updates on a series of reforms to SA’s payments system that will help to make banking more competitive and open to all.

Cash still looms large in SA’s economy, and while a high proportion of SA adults have bank accounts, especially compared with most other emerging market and developing economies, that doesn’t necessarily mean they can transact easily and cheaply, in real time. That constrains small businesses and weighs on poor consumers...

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