Esther Munyi, Sasfin.

Financial services are among the most ardent adopters of technology, the aim of which is to create value for customers and streamline back-office processes. Here, new entrants with a clean slate are often more successful compared to the heritage players, which need to bolt on more applications to keep pace with modernisation.

Brainstorm: How has the financial sector transformed? How mature are the country’s financial services?