South African customers don’t view value added services as add-ons anymore. The digital goods and services offered by their banks, stores and mobile networks are becoming an indispensable part of their lives. The in-depth research in this report identifies what customers’ current behaviours and future expectations are when it comes to digital goods and services. Importantly, it highlights how these goods and services can become valuable profit streams for South African banks, retailers and mobile network operators, if structured correctly.