
Why cash and digital payments coexist in South Africa
The Reserve Bank’s payments research found different methods serving different transaction values. Consumer behaviour is more nuanced than a simple switch from cash to digital.
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Data and developments revealing changing markets.

The Reserve Bank’s payments research found different methods serving different transaction values. Consumer behaviour is more nuanced than a simple switch from cash to digital.
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GSMA’s November 2025 research separates the coverage gap from the usage gap. Affordable devices and practical access matter even where mobile broadband is available.
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Advertising revenue, retail turnover and venture funding measure different activity. Their growth rates can inform a digital-economy picture without being combined into one misleading total.
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World Wide Worx’s September 2025 research announcement highlighted strong online grocery growth. Convenience is becoming an operational promise involving stock, delivery and dependable payment.
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A 2024 result and a 2025 projection can appear in the same report. Keeping them separate makes market research more useful—and prevents a forecast becoming a false fact.
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