South Africa’s central bank wants to scrap the patchwork of bank-owned cash systems and replace it with a shared ‘public good’ utility – pooling ATMs and cash logistics to cut costs and widen access.

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SoFi’s Checking and Savings account earns a 0.50% APY (variable and subject to change) on the balance in its checking portion. Customers who enroll in SoFi Plus with direct deposit, or pay a $10 SoFi ...