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This study examines barriers to entry in the South African retail banking informed by Capitec's experiences as an entrant. In some ways Capitec's experience is exceptional. It surged ahead early attempts to bank the excluded from banks such as Ubank (former Teba Bank) and the Mzansi initiative....
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We examine turbulence over the product life cycle using the lowest possible level of industry aggregation, allowing for the use of panel data to study the evolution of single product markets. We find that replacement of exiting firms by subsequent entry plays a primary role in generating...
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Historically South Africa has favoured incumbents/national champions over rivalry (competition) in the … telecommunications sector. However, the importance of competition has become more apparent with each new development in the sector. Given … the changes in this dynamic sector it is important to evaluate progress on regulating for competition and the obstacles to …
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How does banking competition affect credit provision and growth? How does it affect financial stability? In order to … identify the causal effects of banking competition, we exploit a discontinuity in bank capital requirements during the 19th … competition can cause both, growth and financial instability …
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