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The introduction of TymeBank, BankZero and Discovery Bank will no doubt shake up the industry and give customers greater choice. It will also force the incumbent banks to respond by refining their customer value propositions and user experience. As a result, we expect to see a greater focus from the traditional banks on their digital channels.
We also anticipate new entrants from other industries – mobile network operators are relooking mobile money products that focus on payments offerings. Other non-bank players such as insurers and retailers will continue to advance into the banking space.