BY INVITATION ONLY
10DX Summit South Africa Edition
South Africa has the most digitally mature retail banking market in Africa, but the moat that protected it is starting to open from the inside. Digital-first banks are profitable, scaling rapidly, and now sit near the top of the league table by customer numbers, including institutions that barely existed two decades ago. At the same time, the rails underneath the market are opening. SARB has taken a major stake in the national interbank payment operator, while non-bank settlement access begins arriving this year. Alongside that shift, cybersecurity and AML obligations continue tightening under the Joint Standard and post-grey-list supervision.
The economics of the market are now changing underneath the incumbents. South Africa is moving from protected payment economics towards intelligent banking — regulated, interoperable, real-time infrastructure where data, AI, and automation determine who builds and owns the customer relationship.
That shift now sits at the centre of 10DX Summit South Africa in Johannesburg, where senior banking and technology leaders will examine challenger economics, open rails, AI moving P&L in production, and the infrastructure decisions reshaping South African banking economics.