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Preferred especially for a Last Level Cache (LLC) due to its high retention and tolerance capabilities, Spin-Transfer Torque Random Access Memory (STTRAM) is an emerging and a promising Non-Volatile Memory (NVM) technology. To switch the magnetization of a Magnetic Tunnel Junction (MTJ), the amount of current needed is very high (~100μA per bit). For a full cache line (512-bit) write, this extremely high current results in a voltage droop in the conventional cache architecture. Due to this droop, the write operation fails especially when the farthest bank of the cache is accessed. In this thesis, we perform an analysis of the voltage droop across the STTRAM Last Level cache and then propose a new cache micro-architecture to mitigate the droop problem and make the write operations successful. Instead of continuously writing the entire cache line (512-bit) in a single bank, the proposed architecture writes 64-bits in multiple physically separated locations across the cache. The voltage droop issue for crossbar memories such as Resistive RAM (ReRAM) has been pointed out but however, similar issue for STTRAM has never been investigated. In this study, we perform voltage droop analysis on the conventional STTRAM LLC while performing write/read operation with a simulation circuit model. Our investigation reveals that this problem exists for the write operation in a STTRAM LLC when we try to access the farthest bank in the cache. We propose a droop-mitigation Architecture which reduces the droop significantly. The effectiveness of this proposed architecture on the cache parameters such as latency and energy are compared with the conventional architecture for against various benchmarks. From the simulation results obtained (both circuit and micro-architectural), compared to the conventional architecture, the proposed architecture incurs 1.95% IPC and 5.21% energy for a 8MB last level cache.

A fundamental idea of this study was that the formal financial institutions have an essential role to play in the process of assisting financial inclusion of South Africa's low income and under-banked consumers. Financial inclusion is important for consumers to have access to affordable basic financial products and services. An increase in the number of financially included consumers is important for growth of home ownership, positive savings habits among low income consumers and mitigating risks with insurance products. Consumers have access to financial products and services but are not equipped with the basic knowledge to fully benefit from the use of these financial products and services. As a result, the construct of financial inclusion and the measures being taken by South African financial institutions to optimise financial inclusion was investigated in this study. There is a broad consensus that under-banked consumers face a myriad of factors that may prevent them from having effective access and usage of banking products and services. The effective usage of banking products and services not only promotes an inclusive society but also consumers' ability to take full advantage of the benefits of having access to suitable financial products and services. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. To achieve this, the researcher identified a number of factors that have a relationship with usage. These include Financial Awareness, Trust, Fees, Simplicity and Appropriateness of banking products and services. Consumers' usage of banking products and services were tested using primary data collected from low income and under-banked consumers in the NMB. This study only focused on five influencing factors. The investigation of other possible factors contributing to the usage of banking products and services is necessary. Making use of a larger sample and an improved model with other pertinent influencing factors might bring to light the significant factors involved in the decisions made by consumers in the usage of banking products and services. The significant factors presented in this study reveals that of the five proposed relationships, only two were found to be significant (Financial Awareness and Appropriateness). The findings of the study show that the usage of banking products and services can be increased through increased Financial Awareness about various available banking products and services, changing the unrealised need of the consumers into a realised need for banking and providing affordable products and services for various sections of the population. Appropriateness also reported a positive significant influence on Usage. This means that consumers are likely to access their bank account at different locations. With banking institutions offering products and services that meet their needs, consumers can achieve their financial goals and improve lifestyles by doing all transactions via the bank account and having more control over their personal financial affairs. Recommendations where suggested based on the empirical results to help improve the banking institutions ways of attracting and retaining consumers to effectively use their products and services. It was recommended that banking institutions should tailor their marketing campaigns towards low income and under-banked consumers in order to improve the level of financial awareness of consumers about banking products and services they consume. Seek to improve their communications strategies by adopting techniques that effectively transmits their ideas between the banking institutions and low income and under-banked consumers. And also focus should be on the creation of innovative design systems to ensure that banking products and services will effectively address the needs of low income and under-banked consumers.