Thesis (Ph.D.)--Cornell University, 2008. / Adviser: Walter Mebane. Includes bibliographical references.

Thesis (Ph. D.)--Ohio State University, 2003. / Title from first page of PDF file. Document formatted into pages; contains xii, 121 p.; also includes graphics Includes bibliographical references (p. 117-121). Available online via OhioLINK's ETD Center

Thesis (M.A.)--University of Hong Kong, 1999. / Includes bibliographical references (leaves 120-124).

Thesis (M.A.)--University of Hong Kong, 1999. / Includes bibliographical references (leaves 120-124). Also available in print.

Thesis (Ph. D.)--Brown University, 2001. / Includes bibliographical references (leaves 146-152).

Thesis (Ph. D.)--University of South Carolina, 1995. / Includes bibliographical references (leaves 179-195).

Thesis (Ph. D.)--Ohio State University, 1988. / Vita. Includes bibliographical references (leaves 165-175).

The study is a case study and it investigates the factors that determine the performance of retail banks in South Africa, and follows a case study approach in which Ubank is the focus. The purpose is to rank the identified factors in their order of importance for management's focus on improving the bank's performance. Performance is examined in terms of the bank's profitability and growth. This research utilizes secondary data analysis. The quantitative method is used by critically analysing the financial statements of Ubank, as well as the South African economic conditions. The ANOVA test is used as a tool of analysing the relationship between performance and identified factors, and for testing the significance of the identified factors. The study has found that the bank specific characteristics such as the bank size, return on average assets, market structure, capitalization, corporate governance, information technology, efficiency, credit risk and non-performing loans, are the factors that are relevant in the performance of banks. The macroeconomic factors that impact on the performance of banks are inflation, gross domestic product of the country as well as the banking regulations. The most significant factors were monthly average assets, cost inefficiency and the capital strength was insignificant in the study. The study concluded that poor performance of Ubank results from the imbalance on the focus on identified factors. It further showed that the poor management of the bank's credit system, decreasing market share and poor positioning also contribute to its performance results compared to its competitors. The recommendation to management was to increase the product offering of the bank through the development of products and services that meet the customer's expectations. The benchmarking of its technology with the leaders in the banking sector and the development of value adding marketing and business development strategies were recommended. Lastly, the compliance to the banking regulations. / Thesis (MBA) North-West University, Mafikeng Campus, 2012

The objective of this study was to determine the technological readiness of senior citizen bank customers and their banking technology adoption behaviours. In particular, the purpose of the study was to determine the relationship between technology readiness and age seniority as a moderator. A quantitative research methodology was adopted for this exploratory research study, where a survey was administered with a population of 70 senior citizen bank customers residing in old age centres in Gauteng and North-West provinces. A small proportion of the study's respondents comprised or senior citizen bank customers resident in private homes in Mafikeng, North West. The findings of the study revealed that senior citizen bank customers of the South African banks who have access to technology based banking services and products are ready for banking technologies. The study also revealed that senior citizen bank customers currently only have access to, and use of, basic banking technology services and products that include a bank account, landline telephone banking and ATMs. ln addition, the study found that senior citizen bank customers of the South African Banks that have access to technology based banking services and products have higher desirability to learn more about technology banking products and services, are concerned about the safety of banking technologies which affect their level of trust on them. Further, the study found that this segment of bank customers does not have adequate access to information on new banking technology innovations that is tailored to their unique traits prompting a need for the marketing efforts of the banks to target segment of bank clients with customised marketing strategies. / Thesis (MBA) North-West University, Mafikeng Campus, 2011

published_or_final_version / Business Administration / Master / Master of Business Administration