The on-demand economy, expressed mainly through digital applications — available on mobile devices from phones, bracelets, glasses and clothes — is growing rapidly.

For Standard Bank, creating the changes to keep up, are the bank's primary focus.

Watch The Growth Engines on Tuesday at 9.30pm with repeats every Wednesday at 10am and Thursday at 2pm.

Watch the Growth Engines episode on Business Day TV: part 1

Watch the Growth Engines episode on Business Day TV: part 2