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Our expertise and intellectual capital are reflected on the insights we produce. Apis’ whitepapers aim at contributing to a better understanding of Growth Markets and Financial Services.



The Convergence of Financial and Physical Wellness, a New Paradigm

The convergence of financial and physical wellness and the role of data in an ecosystem will lead to new business models and investment themes for financial institutions.

Apis 2020

Artificial Intelligence & Financial Services: Cutting through the noise

We believe that the Financial Services industry will be one of the leading adopters of Artificial Intelligence (AI) technologies within its value chain due to the dematerialised nature of the products being provided, the large data-sets being created by customers and the existence of talent within the sector to lead the adoption of AI.

Apis 2019

Contextual Financial Services in Growth Markets: A deep dive into off-grid solar financing

We believe that Financial Services in Growth Markets have the potential to take a radically different path than what we have experienced in developed markets.

Apis 2018

The Financial Services Cambrian Explosion: How Growth Markets are innovating for the next 2 billion customers

An estimated 2 billion adults worldwide do not have a basic bank account. Globally, 59% of adults without an account cite lack of enough money as a key reason, implying that Financial Services are not yet affordable or designed to fit low income users.

Apis 2017

Breaking the Bank: The rise of alternative credit providers in Growth Markets

Alternative credit providers in Growth Markets are ‘breaking the bank’, by separating the ‘funding’, ‘manufacturing’ and ‘distribution’ portions of the credit value chain.

Apis 2016

Gamification of Financial Services: Current Trends and Future Possibilities

Gamification is about customer-centricity: it helps customers achieve their goals in a way that emotionally engages them.

Apis 2014

Reverse Innovation in Financial Services: A 10 Year Outlook

Progressive financial inclusion together with favourable macro-economic and demographic conditions is resulting in real impact economics, opening the door to effective sustainable growth.

Apis 2014

National Payments Schemes: Drivers of Economic and Social Benefits in Growth Markets

The research project shows that domestic payment schemes have the potential to take a major and potentially larger portion of global retail payments volume vis-a-vis the international payment schemes.

Apis 2014