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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.

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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