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The Global ETD Search service is a free service for researchers
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Showing 1 to 8 of 8 (0.113 seconds)Spelling suggestions: "subject:"banks anda banking, mobilesouth africa"" "subject:"banks anda banking, mobilesouth affrica""
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Turning on the townships: a study of discourses of financial inclusion in South AfricaKruger, Graunt 10 October 2016 (has links)
thesis submitted to the Faculty of Commerce, Law and Management, University of the
Witwatersrand, Johannesburg, South Africa in fulfilment of the requirements for the degree
of Doctor of Philosophy (PhD)
Johannesburg, August 2015 / Financial inclusion is promoted as an important economic development program to solve
the lack of access to formal financial services for billions of people around the world. The
concept “financial inclusion” has entered mainstream business and development
discourses as an all-encompassing term for innovation in financial services for the poor.
South African policymakers and financial service providers have embraced this approach
to address some of the country’s political, social and economic imbalances.
A number of examples are held up as successes of financial inclusion such as India’s
“Jan Dhan Yojana” initiative. The program, launched in August 2014, signed up 75
million people to new bank accounts in under three months. South African policymakers
and financial service providers have also embraced financial inclusion to address the
country’s political, social and economic imbalances. Several consequences challenge
this optimistic view. The first issue is the high level of dormancy across various services.
India’s account has up to 75% dormancy, much like South Africa’s Mzansi account
launched expressly for financial inclusion in 2005. It was abandoned by 2012 due to lack
of use. The second major issue is adverse inclusion that arises after people are
“financially included” and they end up worse off than before. In August 2014 African
Bank, the largest lender to low-income individuals in South Africa, failed because it had
issued loans to customers who eventually could not afford to repay them.
Despite these issues, the focus of financial inclusion remains on targets of density,
penetration and geographic access as measured in the World Bank’s Findex, a global
financial inclusion database. Practitioners and researchers tend to be concerned with
how people as borrowers, savers, bank account users and mobile phone users access
and use financial services. Yet an unexplored issue is how these subject positions came
to be, how they are maintained and the specific rationalities that accompany them.
Following Foucault, this study is an attempt to understand how the concept of financial
inclusion has functioned in our society to create human beings as subjects. This is a
seven-year genealogical research project of South Africa’s national financial inclusion
effort. Over this period, three discourse clusters were identified and analysed. The first
cluster consists of 12 texts produced by a range of public, private and civil society
institutions. The second cluster of academic discourses on financial inclusion consists of
3
83 peer-reviewed journal articles published between 2009 and 2013. The third cluster is
a collection of texts from local sources in two townships produced by those individuals
who are often the subjects in the other discourse clusters. The analysis reveals dominant
modes of objectification in each cluster and the synthesis enables the search for
evidence of a regime of truth on financial inclusion. Evidence indicates that dominant
discourses of financial inclusion, irrespective of origin, limit subjects to existing practices
of money management. Therefore, despite claims of the sweeping changes that can
result from financial inclusion, this study argues that this form of development discourse
perpetuates existing concentrations of wealth. Counter-narratives that link financial
inclusion and asset building offer an important break in this dominance / MT2016
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Customers' perceptions towards mobile banking using a technology acceptance model.Ledwaba, Kgasago Stephen January 2013 (has links)
M.Tech. Business Administration (MBA)
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| 3 |
The adoption of artificial intelligence by South African banking firms: a Technology, Organisation and Environment (TOE) frameworkMariemuthu, Clayton 28 February 2019 (has links)
A research report submitted in partial fulfilment of the requirements for the degree of Master of Commerce in the field of Information Systems / Artificial intelligence (AI) is the creation of intelligent machines that have the ability to work and act like humans and comprises various technologies. AI-powered technology is having a transformative effect on industries such as banking.
This study investigated the adoption of AI technologies by South African banking firms. The investigation into the factors that explain the current extent of adoption was focused through the lens of the Technological, Organisational and Environmental (TOE) framework.
Through a review of existing literature and online resources, this study firstly identified a basket of AI technologies perceived as relevant for South African banking firms. Six technologies that represent the basket of AI technologies were identified, namely: machine learning, robotic process automation, expert systems, virtual assistants, natural language processing, and pattern recognition. Secondly, the study aimed to determine the current state of adoption of the AI technologies. Thirdly, the study aimed to determine the factors influencing the adoption of AI technologies by banking firms. A systematic literature review was undertaken to determine the technological, organisational and environmental factors that influence technology adoption. A model using pre-determined TOE factors was developed and tested. The cross-sectional, quantitative study was undertaken via a self-administered, online questionnaire to a sample of 307 respondents from South African banking business units, resulting in 62 responses. Diffusion curves were used to illustrate the current adoption of AI technologies. The results revealed that robotic process automation is the most diffused technology, while natural language processing was the least diffused technology. The results also revealed a significant intention to adopt AI technologies in the next three years.
The data was subjected to reliability and validity tests which established that the construct measures rendered consistent and reproducible results, and accurately depicted the constructs they were assigned to measure. Thereafter, correlations analysis was utilised to test the model’s hypotheses, and a multiple and stepwise regression were used as further tests of the model.
Results revealed that AI technology skills, top management support, firm size and competitive pressure were positively related to the adoption of AI technologies, while perceived benefits, information technology infrastructure, cost, competitive pressure, regulation and mimetic pressure were not supported.
AI technologies is a contemporary topic and is gathering a great deal of attention in both academia and practice. By applying the TOE framework, this study has provided a theoretical contribution and addressed a research gap in existing literature, specifically demonstrating that AI adoption is a function of all three contexts, i.e. technological, organisational and environmental. This study also provides a practical contribution for banking firms as they can understand the current adoption status of the average South African bank. Furthermore, for firms considering the adoption of AI technologies, this study offers insights into the relative influence of the TOE factors, and provides guidance to facilitate benchmarking and processes of adoption. / PH2020
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Adoption of mobile banking by low-income earners in Tembisa and Alexandra townships.Musengi, Daniel. January 2013 (has links)
M. Tech. Business Administration / The aim of this research is to investigate the extent of mobile banking usage among low-income people in Johannesburg. A descriptive design was conducted; data by means of a survey, using self-administered questionnaires, was collected from the inhabitants of the informal settlements of Tembisa and Alexandra Townships in Johannesburg. This represented a total population of about 6000 households. From which, a sample of 200 households was systematically selected randomly.
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| 5 |
The impact of mobile banking on the bottom of the pyramid consumers in South AfricaTshabalala, Thobile January 2017 (has links)
A research report submitted to the Faculty of Commerce, Law and
Management, University of the Witwatersrand, Johannesburg in partial fulfilment of
the requirements for the degree of Master of Management in the field of Strategic Marketing / Menstrual Hygiene Management is a process of keeping clean by girls and women
through washing, changing and disposal of sanitary protection during their monthly
periods. When schools provide a conducive environment for girls to manage their
menses, girls become empowered and confident to participate in education without
fear and embarrassment. Lasi High school in Mpolonjeni constituency is a rural school
in low income settings whose girls like many girls in the area have to manage their
monthly menstruation.
The purpose of this study is to explore the experiences and practices of rural school
girls in Mpolonjeni community in managing their menses. A qualitative exploratory and
descriptive study was undertaken through focus group discussions. The researcher
managed to purposively select a sample of two focus groups with ten participants,
each, three teachers and the Deputy Head Teacher.
The study finding reveals that girls experience a number of challenges when managing
their menses in the school setting which the school administration is not entirely aware
of. Some of the issues raised by the girls can be addressed without unreasonable
costs implications but through empathy and general support. The study recommends
a further investigation for Education and school policies that will enhance enabling
school environments to support girls in managing menstruation at school. / GR2018
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| 6 |
The influence of demographic factors on perceptions of mobile bankingNdlovu, Sifiso W. 18 July 2013 (has links)
M.Comm. (Information Technology Management) / The advancement of technology in mobile devices, places South African banking institutions in unique positions to leverage these advancements into innovative, value-added services. Mobile banking is one such innovation that has afforded banking clients the ability to - amongst other services - view bank statements, pay bills, and transfer money. Despite a growing trend towards mobile banking service offerings by South African banks, privacy and security issues are still considered a concern. This dissertation conceptualises the influence of demographic factors on perceptions of mobile banking. Privacy Calculus Model (PCM) has been used as a theoretical lens to explain the cognitive process involved when a potential mobile banking subscriber is presented with mobile banking technology solutions. PCM is extended by abstracting the risk/benefit trade-off psyche held by SA bank clients, and there is an attempt to explain, using PCM, the bank clients’ cognitive process and willingness to subscribe to mobile banking services. A quantitative research method has been used for this purpose. Purposeful sampling that targeted South African bank account holders was applied. Empirical results show that potential South African mobile banking subscribers are not homogenously influenced in the same manner. Instead - for example - people in different age groups are subject to different influences than a grouping defined by highest education level. Thus, in order for South Africa’s four big banks to attract and retain mobile banking subscribers, they should realise that different groups of people are influenced by subscription to mobile banking in different ways.
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Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| vi / Public, Constitutional and International Law / LLD
|
| 8 |
Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| vi / Public, Constitutional and International Law / LL. D.
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