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Africa can only achieve true financial inclusion by combining digital innovation with resilient, localised cash infrastructure — with ATMs serving as the primary bridge between the two worlds. Africa’s future financial ecosystem will be hybrid — not digital only. Despite rapid fintech innovation, cash remains foundational across the continent, especially in rural and informal economies. ATMs therefore evolve from simple cash dispensers into critical financial access infrastructure, acting as the bridge between the informal cash economy and emerging digital payment systems.

Presenters:

Randheer Ramsoomer - SBV

Estelle van Wyk - SBV

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