Technology, and the way that it will impact the financial services sector, are currently very hot topics in the industry. Many insurers have been forced to take time to determine what the Fourth Industrial Revolution means for their business and how they can use technology to enhance the customer experience. This is at the heart of this revolution.

When compared to other emerging economies, South Africa has been a serious underperformer over the past five years. While still maintaining the status quo politically – with the African National Congress (ANC) being the country’s ruling party – there has been a significant regime change and fresh roots of optimism that have taken shape since Cyril Ramaphosa has become President.