Banker S.A. December 2012 | Page 3

contents 39 18 05 MD’s Message The Banking Association South Africa MD Cas Coovadia 06 Profile  Ebenezer “Ebby” Essoka: the road ahead  Standard Chartered Bank’s Chief Executive says African banks must develop a clear plan of action 12 Feature  Helping South Africa to save  The National Treasury’s proposals for incentivising saving 18 Special Focus U  nsecured Lending: let’s get it right There are lessons to be drawn from the plight of Marikana 27 Banking IT  Technology payments for cross-border  Advanced payment technologies for SADC’s needs 31 SABRIC 2012 card fraud losses down  Co-ordinated action is forcing card fraud patterns to change 33  anking Association Members B  Introducing Ithala Development Finance Corporation Limited  Repositioning itself to remain relevant in the ever-changing financial services market 35  anking Association Members B Introducing Ubank Limited  Ubank is focused on increasing its distribution channels to ensure accessibility for its target communities 37 Business Life Technology  Faster tech tools for better mobile productivity 39 Training Growing sector skills BANKSETA’s audit of the financial sector’s skills needs Edition 4 BANKER SA 1