The future of investing in South Africa will be shaped by digital platforms, AI, global diversification, and better financial advice. Duncan Wattam, Head of Standard Bank Investments, explains how the investment industry is adapting to changing client expectations and growing financial pressure. He discusses Standard Bank’s strategy to consolidate more than R700 billion in assets onto digital platforms that make investing easier for clients and advisers. The conversation covers the growing demand for both South African and offshore investments, the role of AI and technology in portfolio management and client engagement, and the pressure on fees as investors demand greater value. Wattam also explains why investment platforms are becoming a key competitive battleground and how simplified solutions can allow financial advisers to focus on advice rather than product selection. Looking ahead, he highlights the opportunity to expand investment access to more South Africans through direct, guided, and robo-advice. He also explores how banking, insurance, asset management, and investment data can support more holistic financial solutions.