Expert Economic Research & Advice


Acacia Digital

Acacia Digital

Driving Digital Financial Inclusion Across Emerging Economies

Acacia has a strong focus on digital markets, including on e-commerce and digital platforms, digital finance and digital infrastructure.

E-commerce and digital platforms

Online Retailing in South Africa: An Overview

Sha’ista Goga, Anthea Paelo, and Julius Nyamwena

March 2019

Strategies for Adapting to Online Entry: The Case of Retailers in South Africa

Sha’ista Goga and Anthea Paelo

March 2019

Issues In the Regulation and Policy Surrounding ECommerce in South Africa

Sha’ista Goga and Anthea Paelo

April 2019

E-commerce in a post Covid-19 era: Building on industry gains

Sha’ista Goga

September 2021

Policy brief: E-commerce and potential responses in an era of Covid-19

Sha’ista Goga

30 April 2020

The potential of e-commerce in South Africa

Sha’ista Goga

November 2018

The Impact of Digital Platforms on Competition in the South African Tourism Industry

Sha’ista Goga

March 2020

Digital Finance

Competition among banks and mobile money providers

Ryan Hawthorne and Zubair Patel

31 July 2024

Advancing Fair Competition for Inclusive Digital Finance: Insights from Emerging Markets

Sha’ista Goga and Gokce Idiman

November 2025

Digitalisation, Data and Open Banking: A South African Perspective

Sha’ista Goga

2019

Webinar: Advancing Fair Competition for Inclusive Digital Finance: Insights from Emerging Markets

Dr Alfred Hannig, Sha’ista Goga, Anthea Paelo, Beatriz Marquez, Amira Abdel Ghaffar, and Kenedy Komba

28 November 2025

Digital Infrastructure

Digitalisation In Africa and its Impact on the Business Environment: Background Paper

Sha’ista Goga and Ryan Hawthorne

March 2021

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