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Excellence is the gradual result of always striving to do better.                                                                                                                                 -Pat Riley Introduction: Banking and finance are two…

Financial services in South Africa are highly regulated and historically, banking services were dominated by the four big banks namely Absa, FNB, Nedbank, and Standard Bank.  More recently, we have seen several new entrants to the market in the form of virtual banks. The concept of digital banking is not new and has been around