Section 4: identifying the goldmine Let me know dwell upon some of the untapped opportunities for banks. Financial inclusion – Untapped market: It would become very evident from the following figures that financial inclusion should be seen not only as a social responsibility but also as a  3  McKinsey Global Payment Map, 2009.
Currently, cross-border bank flows from advanced economies into the emerging world are already experiencing headwinds from a  1  Deflated by CPI inflation, South African 10-year government bond yields in the past five years averaged 2.55%, about 35 basis points less than the average of the previous 10 years – this is despite the gradual deterioration in South Africa’s sovereign credit rating in recent years.