Partner Richard Ketley is a partner and director at Genesis Analytics, working in both the Johannesburg and Dubai offices. He is widely recognised and consulted as a leading expert on banking in Africa. He has worked extensively with banking and financial sector clients throughout Africa and the Middle East. Richard has lead assignments with banks and financial institutions for over 10 years, working across the full range of specialist areas covered by Genesis. He has worked with boards and management committees to address strategic challenges and advise on bank acquisitions; advised on treasury strategy; and developed effective retail value propositions that meet client and shareholder expectations. He has a particular interest in and focus on mobile payments and money transfers, and in solving the challenge of providing banking services to small businesses. Richard has advised many of the top banks in Africa, is an accomplished speaker, and lectures widely on topics related to retail banking. Before joining Genesis, Richard was the Head of Strategy: Africa for Standard Bank, where his responsibility extended to 17 countries, and encompassed mergers and acquisitions as well as retail and card strategies. Prior to that he worked in debt capital markets at Deutsche Bank. He gained in-depth insight into the needs and requirements of the financial sector in South Africa when he was the Chief Director of macroeconomic policy and financial oversight at the National Treasury. Working at the World Bank, he also played a key role in the development of South Africa's macroeconomic strategy and medium-term planning framework, and he has worked as an advisor to the Ugandan Ministry of Finance and Economic Planning. Richard holds a BA (Honours) degree from the University of the Witwatersrand, and an MSc in Economics from London University, where he specialised in finance.