Understanding retailers’ motivation for providing financial products and services in South Africa

A number of financial products and services are offered by or through retailers in South Africa. This spans the broad financial services spectrum including transactional, savings, insurance and credit products.

This 2014 study sought to understand retailers’ motivation for providing these financial services more fully. It studied FMCG retailers, cash-based clothing retailers, credit-based clothing retailers, and furniture and appliance retailers and mapped the landscape of financial services and products offered by these retailers in South Africa, focusing on those who serve low-income segments of the market. In addition, five detailed case studies were conducted on Shoprite Checkers, Pick n Pay, The JD Group, Pep and Edgars.

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