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The financial services sector were faced with numerous challenges of a macro and market nature, even before the financial and economic downturn in 2008, which aggravated the competition among SMEs even further (UEAPME, n.d.:1). The need for the correct skills for the business became more and more important placing a higher premium on the identifying and maintaining of proficient employees in SMEs (UEAPME, n.d.:1), These needed skills became also more and more important in the financial sector. The aim of this study is therefore to investigate the qualifications held and skills required by SMEs in the financial services sector of South Africa in order to be able to address the various regulatory issues and requirements. A non-probability quota sampling approach was used, where 32 small business respondents in the financial services sector participated in the study. The study revealed that SMEs in the financial services sector lack the necessary qualifications and skills to successfully grow and develop their business.

The death of SME’s by regulations: an investigation into the qualifications and skills required in the SME financial sector