Competition between banks and mobile money providers

We estimate a discrete choice model of demand for banking and mobile money services for Botswana, Eswatini, Lesotho, and South Africa. There is some evidence that bank and mobile money services are substitutes in at least Lesotho. However, the degree of substitution is weakened particularly for younger consumers and consumers in rural areas, who are likely not in a position to use banking services as readily as a substitute.

Posted on October 1, 2024 .

The Competition Amendment Act: draft price discrimination regulations

Genna Robb, March 2019

Draft regulations on price discrimination were recently published as required by the amendments to the Competition Act signed into law in February. The role of the regulations is to provide greater clarity on how new provisions aimed at protecting SMEs and firms owned by historically disadvantaged persons from price discrimination will be interpreted by the competition authorities. This blog post takes a look at the draft regulations and some of the potential economic implications.

Posted on March 14, 2019 .

The potential of e-commerce in South Africa

Sha’ista Goga, November 2018

While e-commerce is small in South Africa at present compared to in more developed markets, its growing importance is assured. In this blog post, Sha’ista Goga considers the benefits and challenges posed by e-commerce and the policy steps which need to be taken in order to ensure that South Africa makes the most of this opportunity.

Posted on March 13, 2019 .

The importance of economics in assessing information exchange: reflections on the recent DiverCity merger

Ryan Hawthorne and Genna Robb, March 2019

The importance of correctly evaluating competitive dynamics in assessing the impact of information exchange was highlighted in a recent property transaction considered by the competition authorities in which Acacia Economics advised the merging parties. In this blog post, we discuss the economics of information exchange and explain why it calls for a case-by-case assessment of potential competition effects.

Posted on March 13, 2019 .