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The Global ETD Search service is a free service for researchers
to find electronic theses and dissertations. This service is
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Networked Digital Library of Theses and Dissertations.
Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
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Showing 11 to 15 of 15 (0.032 seconds)Spelling suggestions: "subject:"banked"" "subject:"ranked""
| 11 |
The role management accounting in creating and sustaining competitive advantage : a case study of Equity Bank, KenyaNdwiga, Nicholas Murithi 06 1900 (has links)
Current management accounting techniques have not been widely accepted as
a means to develop a competitive advantage. The information obtained from the
literature reviewed and the results from an empirical study that involved a
sample of forty respondents from Equity Bank found that the modern
management accounting practices provide very important skills and techniques
in building competitiveness. The practices play an important role in the planning,
developing, implementing and evaluating strategic competitive policies that
result in a competitive advantage. The study outlines the importance of
management accounting practices in providing strategies that lead to the
creation of a competitive advantage in an organisation. However, the
conclusions are drawn on a conceptual level and a future empirical investigation
is needed to substantiate these claims further. The study also sets a foundation
for more focused research into the importance of modern management
accounting practices in developing a competitive advantage especially in the
banking sector. / Management Accounting / M.Comm. (Accounting)
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| 12 |
The role of management accounting in creating and sustaining competitive advantage : a case study of Equity Bank, KenyaNdwiga, Nicholas Murithi 06 1900 (has links)
Current management accounting techniques have not been widely accepted as
a means to develop a competitive advantage. The information obtained from the
literature reviewed and the results from an empirical study that involved a
sample of forty respondents from Equity Bank found that the modern
management accounting practices provide very important skills and techniques
in building competitiveness. The practices play an important role in the planning,
developing, implementing and evaluating strategic competitive policies that
result in a competitive advantage. The study outlines the importance of
management accounting practices in providing strategies that lead to the
creation of a competitive advantage in an organisation. However, the
conclusions are drawn on a conceptual level and a future empirical investigation
is needed to substantiate these claims further. The study also sets a foundation
for more focused research into the importance of modern management
accounting practices in developing a competitive advantage especially in the
banking sector. / Management Accounting / M.Comm. (Accounting)
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| 13 |
An empirical framework for banking digitally unbanked seniorsDiako, Bongani Harry 10 1900 (has links)
Abstract in English and Afrikaans / The main thrust of the thesis is an empirical analysis of the problems experienced by
unbanked seniors to conduct digital banking. Population ageing is a worldwide
phenomenon and seniors’ numbers are projected to grow to beyond 1 billion people
globally by this year (2020). Currently, seniors and other banking customers are
surrounded by various forms of e-banking technologies. E-banking is further envisaged
to be the catalyst of the financial inclusion of the unbanked people of all ages. However,
the problem is that customers’ adoption of e-banking is a challenge for the banks. Seniors
are particularly not willing to use e-banking. Thus, seniors stay digitally unbanked and
this makes their inclusion into the financial marketplace a priority. How the banks could
use e-banking to bank digitally unbanked seniors and, as a consequence improve financial
inclusion, is the problem the study set out to resolve. Therefore, an empirical analysis of
the problems experienced by unbanked seniors to conduct digital banking was conducted
and, as a result, an empirical framework of how the banks can extend these services to
this population segment was developed.
An original theoretical framework primarily founded on the TAM and Baroudi’s
customers’ technology design involvement theory was proposed. Structural Equation
Modelling (SEM) with latent constructs was utilised. The measurement model was first
estimated and then covariance matrix between variables served as input to estimate the
structural coefficients between constructs. The study’s data was collected by means of a
structured questionnaire survey, utilising a probability sampling method with a sample of
420 digitally unbanked seniors. A focus group with banking industry experts was also
held to consider the findings.
The study’s findings empirically verified the study’s model’s strength in determining
digitally unbanked seniors’ willingness to use e-banking. Latent constructs under
consideration included customer co-creation, awareness and empowerment, design,
perceived ease of use, usefulness, cost, attitude, privacy and security, and trust. The
findings demonstrate that design, attitude, privacy and security are statistically significant
determinants of digitally unbanked seniors’ willingness to use e-banking. Managerial
implications and recommendations are provided in the recommendations chapter. / Die hoofbetoog van die tesis is ’n empiriese ontleding van die probleme wat ervaar word
deur ongebankte pensionarisse om hulle banksake digitaal te doen.
Bevolkingsveroudering is ’n wêreldwye verskynsel en daar is voorspel dat die getal
pensionarisse teen vanjaar (2020) 1 miljard mense wêreldwyd sou verbysteek. Tans is
daar ’n groot verskeidenheid elektroniese bankdienste beskikbaar wat pensionarisse en
ander bankkliënte kan gebruik om hulle banksake te doen. Daar word ook verwag dat
elektroniese bankwese die katalisator sal wees van die finansiële insluiting van
ongebankte mense van alle ouderdomme. Die probleem is egter dat die aanname van
elektroniese bankwese deur kliënte ’n uitdaging vir banke is. Pensionarisse is veral nie
gewillig om elektroniese bankdienste te gebruik nie, en hulle bly dus ongebank. Dit
veroorsaak dat hulle insluiting in die finansiële mark ’n prioriteit is. Die probleem wat
hierdie studie wil oplos is hoe die banke elektroniese bankwese kan gebruik om digitaal
ongebankte pensionarisse te kry om bankdienste te gebruik. Dus is ’n empiriese ontleding
uitgevoer van die probleme wat ongebankte pensionarisse ervaar om hulle banksake
digitaal te doen. Gevolglik is ’n empiriese raamwerk ontwikkel van hoe die banke hulle
dienste na hierdie bevolkingsegment kan uitbrei.
’n Oorspronklike, teoretiese raamwerk, wat hoofsaaklik gegrond is op die
kliëntetegnologieontwerp-betrokkenheidsteorie van TAM en Baroudi, is voorgestel.
Strukturele gelykstellingsmodellering (SEM) met lantente konstruksie is aangewend. Die
metingsmodel is eers bereken en die kovariansiematriks tussen veranderlikes het gedien
as inset om die strukturele koëffisiënte tussen konstrukte te bereken. Die studie se data is
ingesamel deur middel van ’n gestruktureerde vraelysopname, met ’n
waarskynlikheidsteekproefneming van 420 digitaal ongebankte pensionarisse. Daar is
ook ’n fokusgroep met kundiges in die bankwese gehou om die bevindings te oorweeg.
Die studie se bevindings het die studiemodel se vermoë om die gewilligheid te bepaal van
digitaal ongebankte pensionarisse om elektroniese bankdienste te gebruik empiries
bevestig. Latente konstrukte onder oorweging het medeskepping van kliënte, bewustheid
en bemagtiging, ontwerp, waargenome gebruiksgemak, bruikbaarheid, koste, houding,
privaatheid en sekuriteit, en vertroue ingesluit. Die bevindings demonstreer dat ontwerp,
houding, privaatheid en sekuriteit statisties beduidende determinante is van digitaal
ongebankte pensionarisse se gewilligheid om elektroniese bankdienste te gebruik.
Bestuursimplikasies en aanbevelings word voorsien in die aanbevelingshoofstuk. / Business Management / D. B. L. (Marketing)
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| 14 |
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
|
| 15 |
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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