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The South African Reserve Bank's Cash Smart Strategy challenges the assumption that digital payments will replace cash, instead proposing a hybrid system where both coexist. As digital infrastructure expands unevenly across South Africa's diverse economic landscape, the strategy addresses how to maintain affordable and accessible cash while modernizing payment systems, raising critical questions about financial inclusion, regulatory oversight, and the future of payment infrastructure in emerging markets.

Insurers doing business in South Africa will now have to acquaint themselves with the workings and ramifications of the Consumer Protection Act, 2008 which comes into effect in October 2010.