The bank of the future will need to serve people and AI agents

For years, digital banking has been measured by access. Ensuring clients can open an account without visiting a branch, transact from a phone, or get help outside normal banking hours shaped the first wave of banking digitisation and changed how millions of South...

Banks need a decisioning backbone for the AI era

For years, banks have modernised around channels. For example, mobile apps became better, onboarding became faster and customer engagement became more personalised. These improvements matter because customers feel them every day. But there is a more difficult shift...
SA’s digital wallet goldrush has a licensing problem

SA’s digital wallet goldrush has a licensing problem

South Africa’s prepaid card and digital wallet market is valued at $13,5-billion as of 2026, with an anticipated compound annual growth rate of 11,9%, reaching $21,2-billion by 2030. By Paul Wenborn, product  manager, and  Yaaseen Sheik, company counsel at Ecentric...