Access to finance in South Africa is not equal across all groups. Race and gender remain important variables in the lack of access, and black
The Platform Strategy
The Platform Startegy, it explains how most of the major actors today are either platforms or are transforming to become one (eg : Microsoft, Apple, XBox, Visa, Uber, Airbnb).
Basically thinking your business as a platform means having a deep understanding of the differents actors in your ecosystem, identifying the interactions between them that generate value and becoming the enabler of those interactions.
There is a complete theory that helps you adapt this concept to the particularities of the market that you adress, also it gives you the steps you have to take to build it the right way !