Business-Information Technology (IT) convergence is increasingly becoming a source of competitive advantage in the global economy and its importance has been widely discussed and documented in recent years. The management question that remains unanswered is: what are critical success factors for business-IT convergence in the South African banking sector?This report seeks to explore critical success factors for business-IT convergence in the South African banking sector via a quantitative data analysis approach which aims to incorporate leading theories and frameworks on business-IT governance. In analysing the critical success factors for business-IT convergence, it attempts to provide the South African banking sector with recommendations that should be considered within the framework of a generic business-technology maturity model. Furthermore challenges to the value of business-IT convergence research, divergent views and new perspectives on business-IT convergence are presented.In the research, the motivation for business-IT convergence research is first discussed. Next, business-IT convergence is defined and key dimensions and levels of the business-IT convergence construct are presented. Lastly a review of factor models of business-IT convergence is presented and outcomes of assessment within the four banking clusters are presented.The goal is to be inclusive of many different perspectives. It is hoped that the research will spark helpful conversation on the merits of continued investigation of business-IT convergence. In closing, reflections on the business-IT convergence research stream are provided and key implications for research and practice are provided. / Dissertation (MBA)--University of Pretoria, 2012. / Gordon Institute of Business Science (GIBS) / unrestricted

Dissertation (LLM)--University of Pretoria, 2014. / gm2015 / Centre for Human Rights / LLM / Unrestricted

The role that banks as key intermediaries play in the modern economy activities is unquestionable, it is admitted that banks remain one of the key financial intermediaries that provide a variety of services in the economy of every state. However, not all financial intermediaries have a significant impact on modern economies, only a stable and profitable banking sector can adequately play the role of financial intermediary in economy. The bank, as an intermediary in the modern economy must be profitable, and this profitability depends on a number of factors that are referred to in this study as determinants of bank profitability. The effect of internal and external determinants of the bank profitability in South Africa is the main focus of this study. It utilized annual time series internal and external data for the period 2001 to 2013. Quantitative approach methodology using secondary data and panel data technique to measure the impact of the determinants was used in the study. The sample consists of nine banks, followed for 12 years and sampled annually. The results for bank-specific consist of four statistically significant variables such as bank size, non-interest income and non-interest expense and credit risk and four non-significant variables (equity capital, loan, saving deposit, fixe term deposit) also the industry-specific consist only one significant variable (market concentration) while macro-economic determinants consist of three non-significant variables (economic growth, inflation, and lending interest rate). In conclusion, the empirical result shows that the bank specific factors are directly controlled by the Management thereby it has a positive correlation to the bank profitability while the industry specific (market concentration) also positively affects the bank profitability. However, the macroeconomic variables which are beyond the scope of management control were non-significant to profitability but show positive sign. Therefore, the variables which are significant affect positively the bank profitability, and the non-significant variables affect the bank profitability negatively. The findings were consistent with mixed results found in prior literature. / Business Management / M. Com. (Business Management)

Abstract in English with Zulu and SeTswana translations / This thesis examines organisational transparency in South African banking after the financial crisis of 2007-2009. The crisis upset the global economy and resulted in general mistrust in banks and the global financial system. In addition to poor governance standards, inadequate transparency was identified as a key issue to be addressed in order to prevent future crises. The nature and consequences of banking transparency became a matter of worldwide debate. While the extant literature focuses mainly on banking transparency in the context of accounting, this study uses a communication perspective, examining transparency as a dynamic social and organisational phenomenon that is constituted through and reflected in organisational discourse, with both symbolic and practical implications. The primary objective of this study was to establish how the discourse in the institutional field of banking in South Africa after the Financial Crisis shaped the construction of the meaning of transparency in banking, and consequently how organisational field level discourse contributed to the institutionalisation of transparency practices in South African banking. The study adapted several conceptual frameworks previously used in discourse studies in order to analyse a banking field discourse at meso-level. From the data analysis perspective, the qualitative content analysis was performed with the aid of ATLAS.ti 8 software. The sample for the study comprises 76 purposively selected documents produced by the actors within the institution field of banking from the onset of the Financial Crisis until 2018. This study underlines the importance of the discourse within the institutional field of banking in South Africa and the construction of what is normal, acceptable and expected in terms of banking transparency, and its institutionalisation, thus highlighting the historical and social embeddedness of banking transparency. The data analysis identifies the main discursive strands within the banking discourse: one that is focused on market conduct transparency and the other, which addresses the importance of banks’ transparency in maintaining stability in the financial system. The results also reveal multiple meanings of transparency in South African banking and draw attention to the historical and discursive events that trigger change in institutional fields. / Le thesisi iphenya ukusebenza shashalazi kwenhlangano eNingizimu Afrika ngemuva kwenhlekelele yezimali ukusukela ngo 2007 ukufika ngo 2009. Le nhlekelele yaguqula isimo somhlaba kwezomnotho yaze yadala izinga lokungasathembeki kwamabhangi nohlelo lwezimali emhlabeni wonke. Ukwengeza phezu kwamazinga angagculisi okuphathwa kwamabhizinisi, ukungasebenzi shashalazi ngokwanele kuye kwabonwa njengodaba oluyinkinga okufanele luxazululwe ukugwema izinkinga esikhathini esizayo. Ubunjalo besimo kanye nemiphumela yohlelo olushashalazi lwemboni yezamabhangi kugcine sekuba wudaba oluxoxwa umhlaba wonke. Njengoba umbhalo wobuciko okhona ugxile kakhulu phezu kohlelo olushashalazi lwamabhangi kweze-accounting, lolu cwaningo lusebenzisa umqondo wezokuxhumana, luhlola uhlelo olushashalazi njengohlelo lwenhlangano yomphakathi oluguqukayo futhi olwakhekayo, kanti lolu hlelo lubonakala njengodaba lwenhlangano, ngendlela yophawu nangendlela ephathekayo. Inhloso yokuqala yalolu cwaningo kwabe kukuthola indlela lesi sifundo emkhakheni weziko lezamabhangi eNingizimu Afrika ngemuva kokuthi iziNhlekelele zeZimali zishintshe isakhiwo sencazelo yegama lokusebenza shashalazi kwezamabhangi, bese ekugcineni ingabe udaba lwezinga lomkhakha wenhlangano lube negalelo elinjani ekwakhiweni kwezingqubo zohlelo olushashalazi embonini yezamabhangi eNingizimu Afrika. Ucwaningo luguqule izakhiwo zegama ezimbalwa ebezisetshenziswa esikhathini esedlule ezifundweni zocwaningo ukuhlaziya udaba lomkhakha wezamabhangi ezingeni lomhlaba. Ngokomqondo wokuhlaziywa kwedatha, ukuhlaziywa ngendlela egxile kwingxoxo yolwazi olumumethwe kwenziwa ngosizo lwe-ATLAS.ti 8 software. Isampula yocwaningo iqukethe imibhalo engama-76 ekhethwe ngenhloso ekhiqizwe ngabadlali abangaphakathi komkhakha weziko lezamabhangi ngesikhathi sokuqala kweNhlekelele yeZezimali ukufika ngonyaka ka 2018. Ucwaningo lugcizelela ukubaluleka kwesifundo esingaphakathi komkhakha weziko lezamabhangi kanye nokwakhiwa kwalokho okuthathwa ukuthi kujwayelekile, kuyamukeleka futhi kulindelwe mayelana nohlelo lokusebenza shashalazi kwamabhangi, kanye nokkwakhiwa kwalolu hlelo, ngakho-ke lokhu kuveza umlando kanye kanye nabantu ohlelweni lokusebenza shashalazi kwezamabhangi. Ukuhlaziywa kwedatha kwenze ukuthi kuphawuleke izimpawu ezibalulekile ezidukisayo ngaphakathi kohlelo lwezamabhangi; olunye lugxile phezu kohlelo olushashalazi mayelana nokuziphatha kwamabhangi, kanti olunye lubhekene nokubaluleka kohlelo olushashalazi kwezamabhangi ngenhloso yokugcina ingqubo ezinzile ohlelweni lwezezimali. Imiphumela nayo iveza izincazelo eziningi zohlelo lokusebenza shashalazi kwamabhangi eNingizimu Afrika kanye nokuxwayisa ngomlando nangezehlakalo ezidukisayo eziphembelela ukuthi kube nezinguquko emikhakheni yamaziko. / Phuputso ena e hlahloba ponaletso ya mokgatlo lekaleng la dibanka tsa Afrika Borwa kamora koduwa ya ditjhelete ya ho tloha 2007 ho isa ho 2009. Koduwa ena e ile ya ferekanya moruo wa lefatshe mme ya fella ka ho se tsheptjwe ha dibanka le tsamaiso ya ditjhelete ya lefatshe. Ntle le maemo a mabe a puso, ponaletso e sa lekanang e ile ya hlwauwa e le taba ya mantlha e lokelang ho rarollwa ho thibela mathata a kamoso. Sebopeho le ditlamorao tsa ponaletso ya dibanka ebile taba ya puisano ya lefatshe ka bophara. Leha dingodilweng tse fumanehang hona jwale di shebile ponaletso ya dibanka haholo-holo maemong a ho boloka dibuka, phuputso ena e sebedisa pono ya puisano, e lekolang ponaletso e le taba e matla ya phedisano le mokgatlo e hlophisitsweng ka, mme e bontshitswe puong ya mokgatlo, ka diphello tsa matshwao le tse sebetsang ka bobedi. Morero wa mantlha wa phuputso ena e ne e le ho tiisa hore na puo lefapheng la dibanka Afrika Borwa kamora Koduwa ya Ditjhelete e thehile kaho ya moelelo wa ponaletso dibankeng jwang, le hore na puo ya boemo ba mokgatlo e kentse letsoho jwang ho hlophiseng mekgwa ya ponaletso dibankeng tsa Afrika Borwa. Phuputso e ile ya hlophisa meralo e mmalwa e neng e sebedisitswe diphuputsong tse fetileng tsa dipuo e le ho manolla puo ya lekala la dibanka maemong a bohareng. Ho latela pono ya manollo ya lesedi, manollo ya boleng ba dikateng e entswe ka thuso ya software ya ATLAS.ti 8. Sampole ya phuputso e na le ditokomane tse kgethilweng ka boomo tse 76 tse hlahisitsweng ke ba amehang lefapheng la dibanka ho tloha qalong ya Koduwa ya Ditjhelete ho fihlela 2018. Phuputso ena e totobatsa bohlokwa ba puo kahare ho lefapha la dibanka Afrika Borwa le kaho ya se tlwaelehileng, se amohelehang le se lebelletsweng mabapi le ponaletso ya dibanka, le tlhophiso ya yona ka hona ho totobatsa ho kenella ha nalane le phedisano ho ponaletso ya dibanka. Manollo ya lesedi e hlwaya dikarolwana tse ka sehloohong tse ka hare ho puo ya banka: e nngwe e shebane le ponaletso ya boitshwaro ba mmaraka, ha e nngwe e bua ka bohlokwa ba ponaletso ya dibanka ho boloka botsitso tsamaisong ya ditjhelete. Diphetho di boetse di senola ditlhaloso tse ngata tsa ponaletso dibankeng tsa Afrika Borwa le ho lebisa tlhokomelo diketsahalong tsa nalane le tse amanang le puo tse bakang phetoho makaleng a ditsi. / Communication Science / D. Phil. (Communication)

A qualitative research project was conducted to explore experiences of co-worker trust, relatedness and vitality through a short-term Music Therapy intervention designed to promote well-being. Thirteen adults who work at a branch of a South African bank in the Cape Winelands in the Western Cape Province of South Africa participated in the study. Six Music Therapy sessions were conducted in work time. Focus groups were conducted before and after the intervention. Data were generated by means of transcription of the focus groups, and thick description of selected Music Therapy session video clips. Data were analysed by means of content analysis through data-driven, open coding, followed by two levels of categorisation and theme extraction (Ansdell & Pavlicevic, 2001; Gibbs, 2007; Graneham & Lundman, 2004; Hsieh & Shannon, 2005; Punch, 1998). Findings suggest that participants experienced meaningful shifts in experience on all three of the identified focus construct dimensions, as well as on the dimensions of individual competence and autonomy. Further emerging questions were explored regarding the transferability of gains made in the Music Therapy space to the work context. It was proposed that increased experiences of autonomy, competence, and vitality in the therapy space supported the development of trust and enriched relatedness across both work and therapy contexts. Trust and relatedness gains were proposed to be longer-lasting. A progression of relatedness development phases was proposed, through which participants may have been able to achieve notable outcomes pertaining to improved communication, decreased conflict, increased cooperation and interpersonal support. / Dissertation (MMus)--University of Pretoria, 2013. / gm2014 / Music / unrestricted

To date, there has been little, if any, holistic evaluation of one of the BankSETA programmes that bank employees are nominated to attend, the Certificate in Management Development (CMD). The programme began in 2010 with the aim of increasing the pool of skills in entry-level management occupations in the banking and micro-finance sector (BankSETA, 2016). In order to verify whether the CMD programme has achieved the purpose for which it was instituted by the BankSETA, it is important that a programme evaluation be conducted. The main aim of this study was to undertake a holistic evaluation of the CMD programme to determine students’ perceptions, their increase in knowledge, their ability to apply on-the-job learning and the impact of the programme on the organisation. It also aimed to identify any barriers or obstacles and to provide recommendations to the BankSETA. Kirkpatrick’s (1996) four-level model of reaction, learning, behaviour and results was used as the theoretical framework for this study. A convergent parallel design was used to gather and analyse the data. The convergent design allowed the researcher to use quantitative and qualitative data-collection methods simultaneously, prioritising the methods equally and keeping each phase independent during analysis, and to then mix the results during the overall interpretation of the findings. The findings of this study highlight the importance of programme evaluation and how indispensable this practice is to the success of any programme. Even though positive results were conveyed at every phase of the study, there are certain areas that can be improved upon in order to maximise the outcomes of the CMD programme. / Business Management / M. Com. (Business Management)

Criminal career research postulates that offending behaviour develops over time during the course of one’s life. Thus, delinquency is not an isolated incident which occurs at a certain moment in time. This research comprises a mixed-method study of the criminal career of 40 offenders who perpetrated robberies against the banking and CIT industries. Through this research, an exploration is made for possibilities of using criminal career research to develop results which will guide crime prevention policies. The qualitative methodology used for this research included semi-structured interviews in order to collect information on motivations of armed robbers and the various mechanics (i.e. planning, recruitment, group dynamics) of the crime of armed robbery. Through the use of structured questionnaires, biographical data, information on risk factors and figures on the different aspects of a criminal career, such as age of offending onset, offending frequency and seriousness, and career length, were all gathered. The general findings of this research demonstrate that offending onset occurs between the ages of 11 and 15 with petty crimes, and then escalates to serious crimes. Secondly, witnessed throughout the dissertation is the fact that development of delinquent behaviour is not a result of a single risk factor but an outcome of multiple risk factors. Subsequently, a suggestion is made for the introduction of multifaceted deterrence programmes, which will holistically deal with the various offending risk factors (i.e. family, community and the offender’s personal risk factors as well as peer and school dynamics). Thirdly, armed robbers are responsible for various other crimes in the process of committing the offence of robbery. Accordingly, this study confirms the criminal career notion that a small number of chronic offenders are responsible for a large number of offences. That is why it is recommended that policy makers pay attention to disrupting the criminal career of this small number of high risk offenders. / Department of Criminology and Security Science / M.A. (Criminology)

The emerging financial industry of asset-backed short-term finance was investigated by this study. Literature indicated that banks, locally and globally, are forced by regulation and the use of information technology, to rely less on human judgement and more on programmed decision-making, when evaluating loan applications. This leads to time-consuming processes with non-standard loan applications and loss of opportunities for business persons. Asset-backed short-term finance is a market response to this tendency. Due to the emerging nature of this industry, no previous academic description of or investigation into this industry could be found – a gap in academic literature which this study aims to fill. The industry is strategically positioned in relation to banks by focusing on functionality for urgent non-standard loan applications (period between application and decision, and access to decision-makers) as value proposition, where banks are found lacking. Relatively high interest rates form the profit proposition, as firms in this industry have limited access to funds. Collateral is central as risk-mitigating strategy, forming a part of the profit proposition. The people proposition is essential, as the industry is distinguished by individualised decision-making. A survey among customers of this industry identified four clusters of potential customers: The first had no needs unfulfilled by banks, while the other three clusters were attracted by either functionality, or the evaluation of collateral in contrast to repayment ability, or a combination of the two. A survey among providers revealed hesitance to supply information and a low level of agreement on strategic matters – possibly due to the emergent nature of the industry. It is asserted that the basis for further study was laid. / Business Management / D. Com. (Business Management)

Criminal career research postulates that offending behaviour develops over time during the course of one’s life. Thus, delinquency is not an isolated incident which occurs at a certain moment in time. This research comprises a mixed-method study of the criminal career of 40 offenders who perpetrated robberies against the banking and CIT industries. Through this research, an exploration is made for possibilities of using criminal career research to develop results which will guide crime prevention policies. The qualitative methodology used for this research included semi-structured interviews in order to collect information on motivations of armed robbers and the various mechanics (i.e. planning, recruitment, group dynamics) of the crime of armed robbery. Through the use of structured questionnaires, biographical data, information on risk factors and figures on the different aspects of a criminal career, such as age of offending onset, offending frequency and seriousness, and career length, were all gathered. The general findings of this research demonstrate that offending onset occurs between the ages of 11 and 15 with petty crimes, and then escalates to serious crimes. Secondly, witnessed throughout the dissertation is the fact that development of delinquent behaviour is not a result of a single risk factor but an outcome of multiple risk factors. Subsequently, a suggestion is made for the introduction of multifaceted deterrence programmes, which will holistically deal with the various offending risk factors (i.e. family, community and the offender’s personal risk factors as well as peer and school dynamics). Thirdly, armed robbers are responsible for various other crimes in the process of committing the offence of robbery. Accordingly, this study confirms the criminal career notion that a small number of chronic offenders are responsible for a large number of offences. That is why it is recommended that policy makers pay attention to disrupting the criminal career of this small number of high risk offenders. / Department of Criminology and Security Science / M.A. (Criminology)

Text in English / The goals of this research were to explore, describe and explain the crime of associated robbery, which at the time of this study, was a scientifically unknown phenomenon. Associated robbery is defined as “a bank-related robbery (by association) of cash or attempt thereto, committed against a bank client or his/her delegate, at any stage while en-route to or from a bank branch, ATM or cash centre or inside the branch to effect a deposit, or, withdrawal” (SABRIC 2013:4) This robbery is divided into two main categories, namely robbery before cash deposit and robbery after cash withdrawal. As found in literature and also evident in the findings of this study, more incidents and related cash losses are reported from robbery after withdrawal, which is sub-divided into muti scam, money bomb and spiked drink. This study followed an exploratory, sequential, mixed-method research approach where the qualitative phase took place first – followed by the quantitative phase. The topic was firstly explored by collecting qualitative data via in-depth, one-on-one interviews (from a phenomenological point of view) where mutual meaning was sought, as understood by victims of associated robbery. To gather quantitative data, 500 bank clients (i.e. individuals, small business owners and stokvel/saving club members) completed a survey questionnaire. Their perspective on the phenomenon of associated robbery was thus explained and described through the use of descriptive statistics, particularly univariate and bivariate statistical analysis. The most significant contribution made by this study, is embedment of the preventative measures used by the banking industry and other stakeholders such as the SAPS into the Situational Crime Prevention (SCP) and Crime Prevention Through Environmental Design (CPTED) principles approaches. This model is heavily grounded on 12 SCP strategies, namely: access control; deflecting offenders; controlling facilitation; entry/exist screening; formal surveillance; surveillance by employees; natural surveillance; target removal; reducing temptation; rule setting; stimulating conscience; and facilitating compliance. Furthermore, the model emphasises that the combating of associated robberies is a collaborative effort and thus the individual (bank client), the banking industry, the criminal justice system (CJS) and the general public all have to work together in fighting this endemic. The lack of knowledge mainly from a victim’s perspective was identified as one of the challenges faced. However, this presented an opportunity for this study to make a significant contribution to the development of scientific literature. Moreover, the use of opportunity theories to explain the reasons why individuals are victimised placed the phenomenon in the criminological research milieu – thus pioneering a way for researchers who may wish to conduct future research on the same topic. / Criminology and Security Science / D. Litt. et Phil. (Criminology)