Question: Technology such as Samsung Pay will not apply to all of Standard Bank customers as the limiting factors are the cellphone make Samsung and the

Technology such as Samsung Pay will not apply to all of Standard Bank customers as the limiting factors are the cellphone make Samsung and the limited Samsung devices that will support this technology.

With regards to the above discuss the three criteria Standard Bank will have to base its Points of Differences on to differentiate from the market leader ABSA in this niche market.

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