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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.



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

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

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

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