Who understands South Africans better: banks, retailers or telcos?

I keep coming back to one question.

Who really understands South Africans better? The bank? The retailer? Or the telco?

Your bank knows when your salary lands.

But it may not know what you stop buying when that salary is not enough.

A retailer sees the cheaper brand you switched to.

A telco sees when your data runs out before month-end.

So who understands South Africans better?

The company that sees the money?

The company that sees the pressure?

Or the company that sees whether you can still stay connected?