The Evolution of Retail Banking in South Africa

The consumer is wonderfully spoiled. And that we've seen not just in the insurance sector, but we've also seen that very successfully deployed in the retail banking sector. I spent four to five years in my early days of loyalty working in when I work for a business called EVACS which is a rewards proposition offered by First Nation Bank. Even e-books actually, and again, I'd be certainly excited to talk about that. As you said, Dion, banking isn't always the sector that's considered the most exciting or sexiest industry in the world. But even e-books, I think, from the tone of what that program is doing sounds like it is something that's actually