Glaring economic disparities give a telling account in system where four banks: ABSA, First Rand, Nedbank and Standard Bank dominant the financial market, despite the subdued economy, posting profits of R4, 4 billion in the six months ended in June, up to 12, 1 % year on year against the first six months of 2017, may not be the key to rescue the majority out of poverty. A PricewaterhouseCoopers' study thus aptly shared light on the point of a need to metamorphosise the financial system for it to be all- inclusive.