Abstracts in English and Venda / Online shopping gained importance with the increase in Internet adoption. The development in the e-commerce industry, with opportunities created for retailers, demanded research on factors influencing online shopping behaviour. The purpose of the study is to determine factors influencing consumers’ behaviour towards online shopping for consumer electronics in Gauteng, South Africa. The study employs a descriptive research methodology involving a quantitative research design. The study adopts a convenience sampling method for collecting data by intercepting individuals in Cresta Mall in Johannesburg and Sunnypark Shopping Centre in Pretoria. Self-administered, printed questionnaires were distributed, and data were collected from 207 respondents. This research followed the correct protocol for administering surveys, questionnaire design, measures to ensure data integrity and appropriate analysis strategy, providing reliable and valid research. The data were subjected to factor analysis and the descriptive statistics were also conducted. The parametric, independent sample T-test and Analysis of variance tests were employed for hypothesis testing. The study results suggested that demographic, utilitarian and hedonic factors affect consumers’ online shopping behaviour. This study concludes that demographic factors affect online shopping consumer behaviour traits of electronic goods. It also found statistical differences amongst demographic factors, against hedonic and utilitarian factors. The study also tested whether utilitarian values influence consumer behaviour towards online buying of electronic goods, concluding the existence of a significant relationship between utilitarian values towards online shopping behaviour. Lastly, the study determined if hedonic factors influence consumer behaviour when shopping online. It is concluded that hedonic factors influence consumer behaviour when shopping online. Findings of this study provide a positive contribution to e-commerce research in South Africa by assessing practices of online consumers and factors influencing online shopping adoption. The study recommends further longitudinal research concerning customer behaviour towards online shopping while supporting further studies to focus on the identified factors influencing online shopping. / Ku xava eka inthanete ku vile ka nkoka ku ya hi engetelo wa inthanete. Nhluvukiso eka swa indhasitiri yo xava hi inthanete, ni ku tumbuluxiwa ka miintirho ka vaxavisi, ndzavisiso wa swilo swo kucetela mahanyelo yo xava hi xielekitironiki. Nkongomelo wa dyondzo leyi i ku kumisisa swilo leswi kucetelaka mahanyelo ya vatirhisi loko va xava eka inthanete switirisi swa xielekitironiki eGautengi, Afirika-Dzonga. Dyondzo yi tirhisa endlelo ya ndzavisiso wo hlamusela hi ku hlawulekisa ku katsa na dizayini ya ndzavisiso wa nhlayonhlayo. Dyondzo yi tirhisa endlelo ra kahle ro sampula ku hlengeleta data hi ku vutisisa vanhu emolweni wa le Joni wa Cresta na Senthara ya Sunnypark yo Xava ePitori. Swivutiso leswi u swi lawulaka, no swi kandziyisa swi hangalasiwile, na swona data yi hlengeletiwile ku sukela ka 207 wa vavutisiwa. Ndzavisiso wu landzelerile maendlelo yo hetiseka ku lawula milavisisontsongo, tidizayini ta swivutiso, swipimelo ku endlela leswaku data yi va hi xiyimo xa kahle na xitirateji analysis lexinene, lexi nyikaka ndzavisiso lowu kamberiweke no khorwisa. Data a yi fanele ku analayiziwa na nhlayonhlayo wo hlamusela hi ku hlawulekisa wu endliwile. Mimbuyelo ya ndzavisiso yi nyikile miehleketo ya leswaku nhlayonhlayo ya vanhu na swilo swa utilitarian na hedonic swi khumbaka mahanyelo ya vatirhisi yo xava emolweni hi xielekitironiki. Dyondzo leyi yi gimeta leswaku swilo swa nhlayo ya vanhu hinkwavo swi khumbanaka mahanyelo yo xava tinhundzu Ku kumeka na ku hambana ka nhlayonhlayo exikarhi ka nhlayo ya vanhu hinkwawo mayelano na timhaka ta hedonic no tirhiseka. Dyondzo yi kamberile loko mikoka ya swithirisiwa yi kucetela mahanyelo ya vanhu eku xaveni ka tinhundzu hi xielekitironiki, no gimeta vukona bya nkoka wa vuxaka exikarhi ka mikoka yo tirhiseka ka mahanyelo yo xava hi xielekitironiki. Xo hetelela, dzondzo yi kumisisa loko timhaka ta hedonic ti kucetela mahanyelo ya vatirhisi loko va ri ku xaveni hi xielekitironiki. Ku gimetiwile leswaku timhaka ta hedoniki ti kucetela mahanyelo ya vatirhisi loko vax ava hio xielekitironiki. Leswi swi nga kumeka ka dyondzo swi na xiave xa kahle ka ndzavisiso wa e-commerce eAfirika-Dzonga hi ku xopaxopa mintolovelo ya vatirhisi ya xielekitironiki na timhaka to kucetela ku tirhisa ku xava ka xielekitironiki. Dyondzo yi bumabumela ku yisa emahlweni na ndzavisiso wa longitudinal mayelana mahanyelo ya vashavi eka ku xava hi xielekitironiki na ku seketela ku yisa emahlweni tidyondzo to kongomisa ka timhaka to kucetela ku xava eka inthanete. / Business Management / M. Com (Business Management)

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)