Focusing on the needs of customers remains a challenge in Africa, according to 2019 report to be published by WSBI's Scale2Save Programme, a partnership between WSBI and Mastercard Foundation. The report finds that member banks offer a variety of accounts as part of their drive to attract and satisfy customers. But it also found their product and service mix still falls short of customer needs. The panel presented the key insights from the "Savings and Retail Banking in Africa" report and discussed the major challenges to encourage savings for low-income customers following the 4 pillars of the financial inclusion: usability, affordability accessibility and sustainability. Different perspectives from both the demand and supply side from the panelists were discussed.