Page 9 of 11  From a payments perspective, measures such as (a) promoting competition, (b) enhancing access to payment systems, (c) making the regulatory environment more enabling, and (d) promoting collaboration are therefore identified as being the most helpful in advancing financial inclusion.
In line with this, one of the recommendations in the policy paper on the Review of the National Payments System (Act 78 of 1998) also advocates for the enablement of nonbank institutions to provide payment services that involve the pooling of funds (e.g. emoney, remittances, transactional accounts and others) independently and without the need to partner with banks.