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South African Airways (SAA) is the national flag carrier and largest airline of South Africa, with headquarters in Airways Park on the grounds of OR Tambo International Airport in Kempton Park, Ekurhuleni, Gauteng. South African Airways was founded in 1934 after the acquisition of Union Airways by the South African government.SAA owns Mango, a low cost domestic airline, and has established links with Airlink and South African Express. South African Airways is pleased to offer our internet check-in service - a simpler, smarter and faster way to check in.
Mobile check-in saves time at the airport by allowing you to check in from your internet-enabled phone. Africa has 415,010,625 mobile phone subscribers, with an average growth rate across the continent of 5.4% between Q1 and Q2 2009.
Blycroft does an excellent job of aggregating data on African mobile phone markets each quarter.
Statistics for East Africa cover 12 states and 61,983,813 subscribers, up from 58,257,266 in the previous quarter – an increase of 6 percent. Statistics for West Africa cover 16 states and 125,616,329 subscribers, up from 118,644,669 in 4Q 2008 – an increase of approximately 6%. As usual, South Africa and Egypt show large subscriber numbers, both at around 50 million users. When discussing penetration rates, we always see a higher proportion of small and island countries due to the fact that it takes a lot less mobile users to have a significant percentage covered. I suspect almost all of this is highly demand-driven, but living in Ethiopia last year showcased to me how a gov’t monopoly on communications can hinder its spread and utility. Africa is getting a lot of attention for its promising future, and it’s largely well deserved.
Despite the astounding growth, there is still a big gap between the high-growth nations in Africa and other developed global economies. We knew that additional mobile phones would have a positive effect on Nigeria’s GDP, and wondered if it would be enough to increase its economic ranking.
Based on anecdotal evidence, we knew that mobile phones and their accompanying services offer intangible benefits to users and informal economies.
To test our hypothesis, we projected mobile penetration until Egypt and Nigeria reached 100% penetration on a similar growth curve demonstrated historically in South Africa. South Africa has reached its full potential in terms of penetration, meaning that virtually all 50 million South Africans have at least one mobile phone subscription and some even have more than one. On the other hand, there are many Egyptians and Nigerians waiting to experience the benefits of a mobile phone subscription. Even more impressive is the situation in Nigeria, where penetration is around 50% of a 160 million population. The chart below shows mobile penetration (or mobile subscriptions per 100 inhabitants) from 2002 through 2020, using the World Bank’s reported mobile penetration rates from 2002 through 2010 and our projections from 2011 (illustrated by the white marks).
Although the results don’t show a dramatic shift in ranking, the gap closes and it’s likely that Nigeria will outgrow Egypt based on these basic calculations.

This entry was posted in Research and tagged Africa, Big Three, development, emerging markets by Christina.
Online research specialists Columinate have released the results of the second annual Internet Banking SITEisfaction survey, a report on customers’ usage and perceptions of e-banking in South Africa.
The survey revealed that the South African e-banking landscape has in the last year seen an increase in the number of customers who use mobile phones and tablets to do their banking. Further findings revealed that users are not only using more devices to access their bank accounts, but they are also making use of more of the available online banking features.
Customer satisfaction with internet banking facilities was compared again this year using Columinate’s SITEisfaction measure.
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Select or change your seat, and print your boarding pass between 24 hours and 2 hours prior to flight departure. These user-friendly touchscreen devices allow you to select your seat and print your boarding pass within seconds. Year- on-year growth saw some additional 18,382,201 mobile subscribers in the region; a growth of 42 percent. We just did research projects on the mobile space in Africa (broad) and another specifically on Nigeria’s mobile services market. The continent has six of the ten fastest growing economies in the world (The Economist, 2011) and the folks at McKinsey predict that it will have the world’s largest middle class by 2020 (Ottela & Russo, 2011). Moreover, there is a big gap between Africa’s largest economy, South Africa, and the second and third largest, Egypt and Nigeria, respectively. We were curious about how mobile technology might play a role in determining Africa’s largest economy over the next decade. While South Africa’s economy is larger in terms of GDP, Egypt and Nigeria have much larger populations. Then, based on the added 0.8 percentage point, we projected future GDP growth with a mobile penetration multiplier.
The oversized, solid marks in 2010, 2013, and 2018 indicate the year the country reaches 100%. The following chart shows historical and projected future GDP in current USD (Data Source: World Bank) with the added GDP growth multiplier.
This is evidence that there will be many other similar, and possibly unexpected shifts throughout the rest of the increasingly mobilized African nations. The survey quizzed over 1400 South African e-bankers on their online banking habits and attitudes, and revealed several interesting trends. Mobile phone banking, through both banking apps and phone browsers, has increased to 54% from 42% last year. According to Pretorius, the results showed that aside from making payments and managing accounts, online banking users are becoming increasingly likely to log in to apply for new banking products (59%) such as loans and overdrafts. The results revealed that FNB has stretched its lead over the competitors by attaining a SITEisfaction score of 75, which is the highest score measured to date. This check-in option is available to all passengers with confirmed tickets on South African Airways. Not just from the variety of applications like mobile money, mobile health, and mobile agricultural apps, but also the social and information exchanges that mobile phones facilitate.
This is staggering, as the added economic benefits that will come with those 80 million phones will have an effect on both the country and the continent. After large increases, South Africa demonstrated a declining growth curve after the point where mobile penetration hit 70%.

South Africa passed 100% in 2010, Egypt reaches 100% penetration in 2013, and Nigeria does so in 2018, according to our predictions. We based future GDP on the assumption that growth would follow the linear path demonstrated through 2010.
Of course, historical data tells us that GDP is not going to increase as smoothly as we have projected and we are not attempting to project likely GDP in any given year. Users also showed an increased likelihood to buy airtime (60% up from 53%), data (29% up from 23%) and lottery tickets (19% up from 13%) via their online banking service. Capitec has surprised again by achieving an overall second position in the ranking with a score of 62, outdoing three more established players in the process. Are gov’t controlled countries rolling along at 3%, whereas highly effective markets at 6%, for example? However, Nigeria, with a larger population than the other two combined, still has half of its population waiting to own a mobile phone. Just this year, Egyptians leveraged mobile telephony to protest, organize, and revolutionize Egyptian life.
Egypt experienced a significant growth spurt in 2010, and we expect that next year’s growth will not be as drastic. Then, we added multiplier to account for the expected boost in GDP growth coming from additional mobile phones in the population. What we are illustrating is the impact that mobile phone subscriptions can have on the overall economic growth. We’re certain that the impact of the volume of additional mobile phones will influence the small business sector and the country’s informal economies. Standard Bank and Nedbank are tied with a score of 50, whilst Absa attained the lowest score of 36.
This means that a large volume of mobile phones will be added to the Nigerian population and a smaller yet still significant amount will be added in Egypt. We found that the mobile penetration multiplier provides both Nigeria and Egypt with an additional $15 billion each accrued over 2011 and 2020 due to the economic boost from mobile phones. We assume that GDP increases each year will show a linear correlation along the projected path.
Capitec might be missing an opportunity in this regard, with 44% of its customers indicating that they intend to use a banking app should one be made available to them. Pretorius says that FNB’s achievement is due to its ability to offer the most comprehensive service that performs on all levels. The following chart demonstrates the total population of each country in blue, and the number of mobile subscriptions in red (World Bank, 2010).
We expect similar jumps in Nigeria’s growth and that the population will grow and change, too. Therefore, we assumed that the flex point between exponential growth and when growth begins to decline logarithmically is between 70-85% penetration. Based on these assumptions, we projected mobile penetration for the three countries using the World Bank’s historical data from 2002 through 2010.
This growth alone is significant for each country, regardless of whether it changes their relative economic rankings. FNB has also succeeded in getting users to utilise more of the available services than other banking users.
This has positive implications for both the users who capitalize on the convenience of internet banking and for the bank to ensure greater customer loyalty”.

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