If you have to travel far and wait in queues to join a bank or transact, if you're subject to high transactional costs or opaque lending practices, or if you're prevented from accessing loans you can afford, you might well be part of a financial system, but it's a system that doesn't work for you.

This is a frustration felt by millions of South African banking customers - whether they are social-grant recipients, middle-market customers or private-banking clients...

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