This study focuses on the telecommunication industry, specifically the mobile phone market at the base of the pyramid (BOP). A supply vs. demand stance is taken whereby demographic data offer insight into the demand while the location of telecommunication retail stores constitutes supply. The study furthermore makes extensive use of a GIS (geographical information system) which offers deeper insight into data and different applications thereof. Given the extensive nature of the data used in assessing the national market, a dashboard was developed as part of this research to ease data interpretation. The online map (GIS) and dashboard form an integral part of this report. Literature supports the targeting of the BOP as a viable market given the high volume of people in this market segment. Unconventional methods are, however, required to sustainably cater to this market. The development of multiple channels to target potential consumers has resulted in a dilution of the market in the retail environment. The retail channel however remains important in any company’s strategy to target the BOP. Telecommunication companies can not only benefit from the BOP but also offer benefits to the BOP. The World Bank has reported figures that show a 0.8% increase in GDP for every 10% increase in mobile penetration. Different sources identify the BOP by different income ranges. It became evident, however, that internationally the average applied to identify the BOP is households earning less than USD 3,000 (ZAR 31,440 at an exchange rate of R10.48 / USD) per annum. Although somewhat higher than the international average, the available data dictated that South Africa’s BOP be identified as households earning less than R38,200 per annum for the purposes of this research. Data indicate that 89% of households in South Africa have a mobile phone. By comparing the ownership of existing household goods this research found that of the 11% of households not owning a mobile phone, 6% would be willing to adopt a mobile phone. A tiered approach is followed in assessing the telecommunication opportunity for mobile phones in the BOP. The first tier assesses the entire market (all households in South Africa) at a municipal level. By including the total market, the opportunity in the BOP is put into perspective. The result was that the total BOP market offers a potential market of R563 million per month through 13.7 simcards. At the other end of the economic pyramid, the ROP offers a market of R2416 million per month through 14.6 million simcards. Thus, even though the BOP offers 48% of the total volume in the market, the value is only 19% of the total market. From a coverage perspective, 42% of BOP households are not covered by a telecom retailer whilst only 27% of the ROP households are not covered. A market of R247 million (through 5.8 million simcards) has been estimated in the BOP opposed to a R379 million market (through 5.8 million simcards) in the ROP. The second tier makes use of a case study to determine the viability of targeting the BOP. Moruleng Mall’s catchment area was analysed within the Moses Kotane municipality that offered a high opportunity as determined in the first tier of analysis. This case study made use of gravity modelling and found that Rustenburg’s retail offering would have limited influence and as such telecom retailers would have to revisit their strategy for the area. A number of shopping centre developments in rural areas were highlighted. Effectively while these developments are taking retail closer to the BOP or rual population, the market is diluted. From a retailer perspective, this makes it difficult to target an entire area through presence in one specific retail node or town. The ultimate finding of this this research suggests that it is in fact possible to target the BOP – however, that it is the ROP located between the BOP households that makes this a viable market. This suggests that it is rather not a question of the viability in targeting the BOP specifically but targeting the more dense rural areas that offer opportunity. / MBA, North-West University, Potchefstroom Campus, 2014

This study focuses on the telecommunication industry, specifically the mobile phone market at the base of the pyramid (BOP). A supply vs. demand stance is taken whereby demographic data offer insight into the demand while the location of telecommunication retail stores constitutes supply. The study furthermore makes extensive use of a GIS (geographical information system) which offers deeper insight into data and different applications thereof. Given the extensive nature of the data used in assessing the national market, a dashboard was developed as part of this research to ease data interpretation. The online map (GIS) and dashboard form an integral part of this report. Literature supports the targeting of the BOP as a viable market given the high volume of people in this market segment. Unconventional methods are, however, required to sustainably cater to this market. The development of multiple channels to target potential consumers has resulted in a dilution of the market in the retail environment. The retail channel however remains important in any company’s strategy to target the BOP. Telecommunication companies can not only benefit from the BOP but also offer benefits to the BOP. The World Bank has reported figures that show a 0.8% increase in GDP for every 10% increase in mobile penetration. Different sources identify the BOP by different income ranges. It became evident, however, that internationally the average applied to identify the BOP is households earning less than USD 3,000 (ZAR 31,440 at an exchange rate of R10.48 / USD) per annum. Although somewhat higher than the international average, the available data dictated that South Africa’s BOP be identified as households earning less than R38,200 per annum for the purposes of this research. Data indicate that 89% of households in South Africa have a mobile phone. By comparing the ownership of existing household goods this research found that of the 11% of households not owning a mobile phone, 6% would be willing to adopt a mobile phone. A tiered approach is followed in assessing the telecommunication opportunity for mobile phones in the BOP. The first tier assesses the entire market (all households in South Africa) at a municipal level. By including the total market, the opportunity in the BOP is put into perspective. The result was that the total BOP market offers a potential market of R563 million per month through 13.7 simcards. At the other end of the economic pyramid, the ROP offers a market of R2416 million per month through 14.6 million simcards. Thus, even though the BOP offers 48% of the total volume in the market, the value is only 19% of the total market. From a coverage perspective, 42% of BOP households are not covered by a telecom retailer whilst only 27% of the ROP households are not covered. A market of R247 million (through 5.8 million simcards) has been estimated in the BOP opposed to a R379 million market (through 5.8 million simcards) in the ROP. The second tier makes use of a case study to determine the viability of targeting the BOP. Moruleng Mall’s catchment area was analysed within the Moses Kotane municipality that offered a high opportunity as determined in the first tier of analysis. This case study made use of gravity modelling and found that Rustenburg’s retail offering would have limited influence and as such telecom retailers would have to revisit their strategy for the area. A number of shopping centre developments in rural areas were highlighted. Effectively while these developments are taking retail closer to the BOP or rual population, the market is diluted. From a retailer perspective, this makes it difficult to target an entire area through presence in one specific retail node or town. The ultimate finding of this this research suggests that it is in fact possible to target the BOP – however, that it is the ROP located between the BOP households that makes this a viable market. This suggests that it is rather not a question of the viability in targeting the BOP specifically but targeting the more dense rural areas that offer opportunity. / MBA, North-West University, Potchefstroom Campus, 2014

Abstracts in English, Afrikaans, Zulu, Tsonga and Portuguese / The purpose of the study was to develop a model of attitudes toward digital banking, by exploring the relationship between values, culture, the diffusion of innovation and the Technology Acceptance. In addition, actual behaviour in the use of digital banking, as well as the moderating effects of gender, age, education level, income, and urban versus rural backgrounds, was included to provide additional insights into the financial services market in Maputo, Mozambique. A quantitative survey with a convenience sample (n = 403) of bankable individuals (male and female) between the ages of 21 and 60, was conducted from 2015–2018. The findings revealed significant relationships between the variables included in the empirical model. Structural equation modelling indicated that the data were a good fit, resulting from the use of a correlations-derived measurement model. These findings provide new insights into the development of tailor-made digital banking actions to drive usage in different segments, which will contribute to the body of knowledge on consumer behaviour and digital banking adoption and use. / Hierdie studie se doel was om ’n model van ingesteldhede teenoor digitale bankwese te ontwikkel deur ondersoek in te stel na die verband tussen waardes, kultuur, die diffusie van innovering en die aanvaarding van tegnologie. Werklike gedrag wanneer digitale bankwese gebruik word, asook die modererende effek van gender, ouderdom, onderwysvlak, inkomste en stedelike teenoor plattelandse agtergrond, is ingesluit om bykomende insigte te verkry in die finansiëledienstemark in Maputo, Mosambiek. ’n Kwantitatiewe opname met ’n gerieflikheidsteekproef (n = 403) van bankbare individue (manlik en vroulik) tussen die ouderdomme 21 tot 60, is in die tydperk 2015 tot 2018 onderneem. Die bevindinge toon dat daar beduidende verbande is tussen die veranderlikes wat by die empiriese model ingesluit word. Die modellering van strukturele vergelykings toon dat die data goed gepas het omdat ’n korrelasie-afgeleide metingsmodel gebruik is. Hierdie bevindinge lei tot nuwe insigte in die ontwikkeling van pasgemaakte digitalebankwese-aksies om gebruik in verskillende segmente aan te dryf. Dit sal bydra tot die bestaande kennis van verbruikersgedrag en die aanvaarding en gebruik van digitale bankwese. / Inhloso yalolu cwaningo bekuwukwenza imodeli yendlela yokubona mayelana nokusebenzisa ibhangi ngendlela yedijithali, ukuhlola ubudlelwane phakathi kwama-value, usiko, ukusabalala kobuqambi kanye nokwamukelwa kwetheknoloji. Nangaphezu kwalokho, indlela yokuziphatha ekusebenziseni ibhangi ngendlela yedijithali, kanye nemiphumela ethobayo yobulili, iminyaka yobudala, izinga lemfundo, ingeniso, kanye nokuqhathanisa abasemadolobheni nabasemakhaya, kwabandakanywa ukuhlinzeka ngemibono engezelelekile kwimakethe yamasevisi ezezimali eMaputo eMozambique. Kwenziwe inhlolovo ngobuningi ngesampuli ye-convenience (n = 403) wabantu abasebenzisa ibhangi (abesilisa nabesimame) abaphakathi kweminyaka engu 21 kanye nengu 60 kwenziwe ukusukela ku 2015–2018 Imiphumela iveza ubudlelwane obubalulekile phakathi kwezinto ezehlukene ezibandakanya imodeli yobufakazi obubambekayo. I-structural equation modelling ikhombise ukuthi ulwazi belungoluhambisana kahle, ngokuvela kumphumela wokusebenzisa i-correlations-derived measurement model. Okutholakele kunikeza imibono emisha ngokukuthuthukiswa kwezinyathelo zokusebenzisa ibhangii ngendlela yedijithali okuhlinzekelwa abantu ngokuhambisana nabo, ukuphakamisa ukusetshenziswa ngabantu bemikhakha ehlukene, lokhu okuthela esivivaneni kumthamo wolwazi ngendlela yokuziphatha kwabasebenzisi, kanye nokwamukelwa kokusebenzisa ibhangi ngendlela yedijithali kanye nokusetshenziswa. / O presente estudo tinha como objectivo desenvolver um modelo de atitudes em relação à banca electrónica explorando a relação entre os Valores, a Cultura e a Difusão da Inovação e Aceitação de Tecnologias. Além disso, o comportamento real relacionado com o uso de serviços da banca electrónica, assim como o efeito moderador do género, idade, nível de escolaridade, rendimentos e os contextos urbano versus rural foram incluídos para permitir melhor compreensão do mercado de serviços financeiros de Moçambique (Maputo). De 2015 a 2018, fez-se um inquérito quantitativo em uma amostra de conveniência (n = 403) de indivíduos bancáveis (masculinos e femininos) com idades compreendidas entre os 21 e os 60 anos. Os resultados revelaram relações significativas entre as variáveis incluídas no modelo empírico. A modelagem de equações estruturais indicou um bom número de dados, o que resultou num modelo canónico de medição derivada de correlações. Ademais, faz-se uma exposição e interpretação de achados sensíveis sob o ponto de vista ético no contexto de banca electrónica baseado no consumidor. Estes achados servirão de base para um novo conhecimento para o desenvolvimento de acções de banca electrónica personalizadas com vista a incentivar o uso em diferentes segmentos, o que acrescentará valor ao conhecimento actual sobre o Comportamento do Consumidor e a utilização de serviços de banca electrónica. / Xikongomelo xa dyondzo leyi a ku ri ku hlamusela malangutelo ya vanhu ehenhla ka ku tirhisiwa ka bangi ya internet hi ku kambisisa vuxaka lebyi nga kona exikarhi ka Mikhuva, Ndhavuko ni ku Haxiwa ka Switirhisiwa Swintswha ni leswi thyiwaka ku amukeriwa ka thekinoloji. Ku engetela kwalaho, ku katsiwile mikhuva ya vhanu ehenhleni ka ku tirhisa bangi ya internet, ku katsa ni vuyelo leri ringaniselaka ro va munhu a ri wanuna kumbe wansati, ntanga, dyondzo, muholo, ni leswaku u tshama dorobeni kumbe emakaya, leswaku ku twisisiwa hi vuenti leswaku mintirho ya swa timali yi tshamise ku yini eMozambique (Maputo). Nxaxamelo wa swivutiso swo teka tinhlayo wu tirhisiwile eka ntlawa lowu voniweke wu ringana (n = 403) wa vanhu lava nga tirhisaka bangi (va xinuna ni va xisati), lava nga ni 21 ku ya ka 60 wa malembe ku sukela 2017 ku ya ka 2018. Tinhlamulo ti kombe leswaku ku ni ku yelana lokukulu exikarhi ka swivutiso leswi katsiweke eka xivumbeko xo hlamusela ha xona. Structural equation modelling yi kombe leswaku ku ni mihandzu yo tala, leswi endleke leswaku ku va ni xivumbeko lexi se xi tiviwaka xa mpimo lowu taka hi ka ku yelana ka swilo (correlations-derived measurement model). Mihandzu leyi yelanaka ni swilo leswi khumbaka mahanyela lamanene leswi lavaka ku voniwa hi vukheta na yona ya vikiwa yi tlhela yi hlamuseriwa hi ku landza matirhelo ya bangi ya internet hi ku ya vatirhisi va yona. Mihandzu leyi yi ta tisa vutisi byintswha leswaku ku makiwa mintirho ya bangi ya internet leyi tivaka ku tsakisa mutirhisi leswaku ku engeteriwa ku tirhisiwa ka yona exikarhi ka mintlawa yo hambana, leswi na swona swi nga ta engetela vutivi ehenhleni ka Mikhuva ya Vatirhisi ni matirhiselo ya bangi ya internet. / Industrial and Organisational Psychology / Ph. D. (Industrial and Organisational Psychology)