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A man selling roasted maize by the roadside in Ntinda understands banking better than some executive committees.
He wakes up with limited capital, buys inventory he understands, prices dynamically, watches foot traffic in real time, manages spoilage ruthlessly, keeps overhead painfully low, and adjusts instantly when rain changes customer behaviour.
Meanwhile, across the road, a formal business with branding, systems, supervisors, dashboards, committees, and consultants struggles to convert activity into actual economic returns.
The truth about our banking system is simple: the banks that appear strongest are not always operationally superior. Many are structurally advantaged.
Access to cheap deposits, entrenched institutional relationships, regulatory credibility, legacy branch trust, and transaction ecosystem dominance often matter more than execution brilliance. Meanwhile, smaller banks are frequently told to “innovate” while competing with one hand tied behind their backs.. READ MORE |