The blockchain technology and bitcoin : the way forward, or a recipe for financial disaster?
- Authors: Khan, Benazia
- Date: 2018
- Subjects: Blockchains (Databases) , Bitcoin , Electronic commerce , Financial services industry - Technological innovations
- Language: English
- Type: Masters (Thesis)
- Identifier: http://hdl.handle.net/10210/270844 , uj:28795
- Description: LL.M. (Banking Law) , Abstract: Please refer to full text to view abstract.
- Full Text:
- Authors: Khan, Benazia
- Date: 2018
- Subjects: Blockchains (Databases) , Bitcoin , Electronic commerce , Financial services industry - Technological innovations
- Language: English
- Type: Masters (Thesis)
- Identifier: http://hdl.handle.net/10210/270844 , uj:28795
- Description: LL.M. (Banking Law) , Abstract: Please refer to full text to view abstract.
- Full Text:
A strategy for managing change towards digital banking
- Authors: Maharaj, Simone
- Date: 2018
- Subjects: Banks and banking - Information technology - Management , Financial services industry - Technological innovations , Organizational change - Management
- Language: English
- Type: Masters (Thesis)
- Identifier: http://hdl.handle.net/10210/292242 , uj:31756
- Description: Abstract: Change is unavoidable in current business environments. It has become a requirement for organisations to adapt to changes to remain relevant in the industry. To remain competitive in the banking industry, the focal bank embarked on a journey towards digital banking which was in line with the organisational goals and objectives. The complexity of understanding and implementing change management processes has become a fundamental research topic, leading to the goal of this study. The purpose of this research was to explore how the focal bank has embraced change management to achieve the strategic intent towards digital banking. A case study was conducted where data was collected through unstructured interviews. Responses were collected through twenty audio recorded interviews with employees that have experienced the organisational change. Analysis of the data allowed the researcher to identify emergent themes which provided a comprehensive indication to the lack of change management processes that were implemented. Based on the responses, the researcher recognised the inconsistences of understanding and awareness of the organisational change. The findings of the research imply that resistance to change is still evident in the focal bank. This resistance is mainly linked to a lack of communication and inadequate procedures that were followed during the strategic change in the focal bank. Emergent themes were identified from the responses obtained by the participants of this research. These themes reveal that a clash of sub-cultures exists, employees feel disengaged and there was a lack of direction for the digital migration. Although the focal bank is known for its success in the area of digital banking, the research concluded that change management in the pursuit of digital migration was not embraced. Negative perceptions about the change and change management processes were expressed, even though all employees agreed that the strategic intent towards digital banking was necessary. This led to recommendations of change management processes that the focal bank, and any other organisation expecting changes, should implement. The research was concluded with recommendations for future research. , M.Com. (Business Management)
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- Authors: Maharaj, Simone
- Date: 2018
- Subjects: Banks and banking - Information technology - Management , Financial services industry - Technological innovations , Organizational change - Management
- Language: English
- Type: Masters (Thesis)
- Identifier: http://hdl.handle.net/10210/292242 , uj:31756
- Description: Abstract: Change is unavoidable in current business environments. It has become a requirement for organisations to adapt to changes to remain relevant in the industry. To remain competitive in the banking industry, the focal bank embarked on a journey towards digital banking which was in line with the organisational goals and objectives. The complexity of understanding and implementing change management processes has become a fundamental research topic, leading to the goal of this study. The purpose of this research was to explore how the focal bank has embraced change management to achieve the strategic intent towards digital banking. A case study was conducted where data was collected through unstructured interviews. Responses were collected through twenty audio recorded interviews with employees that have experienced the organisational change. Analysis of the data allowed the researcher to identify emergent themes which provided a comprehensive indication to the lack of change management processes that were implemented. Based on the responses, the researcher recognised the inconsistences of understanding and awareness of the organisational change. The findings of the research imply that resistance to change is still evident in the focal bank. This resistance is mainly linked to a lack of communication and inadequate procedures that were followed during the strategic change in the focal bank. Emergent themes were identified from the responses obtained by the participants of this research. These themes reveal that a clash of sub-cultures exists, employees feel disengaged and there was a lack of direction for the digital migration. Although the focal bank is known for its success in the area of digital banking, the research concluded that change management in the pursuit of digital migration was not embraced. Negative perceptions about the change and change management processes were expressed, even though all employees agreed that the strategic intent towards digital banking was necessary. This led to recommendations of change management processes that the focal bank, and any other organisation expecting changes, should implement. The research was concluded with recommendations for future research. , M.Com. (Business Management)
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The acceptance and use of mobile banking apps among millennials in Gauteng, South Africa
- Authors: Thusi, Philile
- Date: 2018
- Subjects: Banks and banking, Mobile , Financial institutions - Customer services , Mobile communication systems , Electronic commerce , Financial services industry - Technological innovations
- Language: English
- Type: Masters (Thesis)
- Identifier: http://hdl.handle.net/10210/402903 , uj:33738
- Description: Abstract : Mobile banking apps are one of the recent improvements in the mobile banking innovation domain that retail banks are promoting to their customers. Research into mobile banking app user behaviour is important to promoting a rapid acceptance of this banking innovation. Despite this, only limited studies have addressed this issue, particularly from the standpoint of emerging nations such as South Africa. Using the Unified Acceptance and Use of Technology (UTAUT 2) model as its theoretical background, this research analysed the drivers of and barriers to mobile banking app acceptance and use among millennials in Gauteng, South Africa. A survey strategy using a self-administered questionnaire was applied to obtain 352 usable responses from customers of the five major South African retail banks (Capitec, Absa, FNB, Nedbank, and Standard Bank). A partial least squares structural equation modelling technique using SmartPLS version 3 was used to assess the measurement model properties and to test the hypotheses proposed for the study. The findings suggest that performance expectancy a, facilitating conditions are significant drivers of millennials’ behavioural intention to use mobile banking apps. Furthermore, perceived risk was found to be a critical barrier to millennials’ behavioural intention to accept mobile banking apps; but, surprisingly, the impact of perceived risk on the actual use of mobile banking apps was found to be insignificant, thus suggesting that perceived risk is not a deterrent to mobile banking app use among millennials who currently use the innovation. Moreover, the actual use of mobile banking apps was found be strongly and positively associated with behavioural intention and facilitating conditions. The findings of this study contribute to the limited literature that currently exists on mobile banking apps acceptance in emerging countries such as South Africa. In addition, this study validates the UTAUT2 in a different country (South Africa), in a different age group (millennials), and in a different technology domain (mobile banking apps), and thus contributes towards cross-cultural validation of the UTAUT2 beyond its original setting. , M.Com. (Marketing Management)
- Full Text:
- Authors: Thusi, Philile
- Date: 2018
- Subjects: Banks and banking, Mobile , Financial institutions - Customer services , Mobile communication systems , Electronic commerce , Financial services industry - Technological innovations
- Language: English
- Type: Masters (Thesis)
- Identifier: http://hdl.handle.net/10210/402903 , uj:33738
- Description: Abstract : Mobile banking apps are one of the recent improvements in the mobile banking innovation domain that retail banks are promoting to their customers. Research into mobile banking app user behaviour is important to promoting a rapid acceptance of this banking innovation. Despite this, only limited studies have addressed this issue, particularly from the standpoint of emerging nations such as South Africa. Using the Unified Acceptance and Use of Technology (UTAUT 2) model as its theoretical background, this research analysed the drivers of and barriers to mobile banking app acceptance and use among millennials in Gauteng, South Africa. A survey strategy using a self-administered questionnaire was applied to obtain 352 usable responses from customers of the five major South African retail banks (Capitec, Absa, FNB, Nedbank, and Standard Bank). A partial least squares structural equation modelling technique using SmartPLS version 3 was used to assess the measurement model properties and to test the hypotheses proposed for the study. The findings suggest that performance expectancy a, facilitating conditions are significant drivers of millennials’ behavioural intention to use mobile banking apps. Furthermore, perceived risk was found to be a critical barrier to millennials’ behavioural intention to accept mobile banking apps; but, surprisingly, the impact of perceived risk on the actual use of mobile banking apps was found to be insignificant, thus suggesting that perceived risk is not a deterrent to mobile banking app use among millennials who currently use the innovation. Moreover, the actual use of mobile banking apps was found be strongly and positively associated with behavioural intention and facilitating conditions. The findings of this study contribute to the limited literature that currently exists on mobile banking apps acceptance in emerging countries such as South Africa. In addition, this study validates the UTAUT2 in a different country (South Africa), in a different age group (millennials), and in a different technology domain (mobile banking apps), and thus contributes towards cross-cultural validation of the UTAUT2 beyond its original setting. , M.Com. (Marketing Management)
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Beyond cryptocurrencies : financial applications of blockchain technology
- Authors: Mpinyuri, Elton Batanai
- Date: 2019
- Subjects: Electronic commerce , Financial services industry - Technological innovations , Cryptocurrencies , Currency question
- Language: English
- Type: Masters (Thesis)
- Identifier: http://hdl.handle.net/10210/414295 , uj:34936
- Description: Abstract: This study examines the financial applications of blockchain technology beyond cryptocurrencies. Recent studies have addressed the regulatory issues and maturity of technological innovations in the context of cryptocurrencies, however, as the adoption of this technology in the financial environment proliferates, there is need to provide support for blockchain technology in advancing financial services and adding value in this ecosystem. By investigating the concepts of distributed ledger technologies, this study draws attention to the technology underlying blockchains; expanding the discussion about its challenges, implications and potential applications within the financial industry. This dissertation concludes on how applications of blockchain technology is still within its early stages and addresses the necessary changes in the financial ecosystem required to harness its potential. , M.Com. (Finance)
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- Authors: Mpinyuri, Elton Batanai
- Date: 2019
- Subjects: Electronic commerce , Financial services industry - Technological innovations , Cryptocurrencies , Currency question
- Language: English
- Type: Masters (Thesis)
- Identifier: http://hdl.handle.net/10210/414295 , uj:34936
- Description: Abstract: This study examines the financial applications of blockchain technology beyond cryptocurrencies. Recent studies have addressed the regulatory issues and maturity of technological innovations in the context of cryptocurrencies, however, as the adoption of this technology in the financial environment proliferates, there is need to provide support for blockchain technology in advancing financial services and adding value in this ecosystem. By investigating the concepts of distributed ledger technologies, this study draws attention to the technology underlying blockchains; expanding the discussion about its challenges, implications and potential applications within the financial industry. This dissertation concludes on how applications of blockchain technology is still within its early stages and addresses the necessary changes in the financial ecosystem required to harness its potential. , M.Com. (Finance)
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Preserving the sanctity of electronic payments : a legal perspective
- Authors: Nkosi, Gugu Gloria
- Date: 2020
- Subjects: Electronic funds transfers - Law and legislation - South Africa , Electronic funds transfers - Law and legislation - Australia , Financial services industry - Law and legislation , Financial services industry - Technological innovations
- Language: English
- Type: Masters (Thesis)
- Identifier: http://hdl.handle.net/10210/447095 , uj:39176
- Description: Abstract: Electronic funds transfers facilitates the purchasing of items online. This then curtails the burden of having to travel to a physical store, choose an item to buy and pay for it. Thus, these transfers allow us to purchase prepaid airtime and electricity online by using mobile banking applications or internet banking services. Further, electronic funds transfers allow us to send and receive money from the comfort of our homes. Indeed, electronic funds transfers may be construed as the benefit in the digital age where there are information overflows. Nonetheless, electronic funds transfers also generate innumerable setbacks. The most obvious is the prevalence of unauthorised use or access to data, data alteration or integrity and fraud. In light of the above, it is important to utilise the benefits offered by electronic funds transfers whilst still managing the risks attached to electronic funds transfers. The case of Galactic Auto (Pty) Ltd v Venter touches on almost all these risks. Therefore, this research examines the regulation of electronic funds transfers in South Africa. It is limited only to the idea to preserve the sanctity of these transactions. Furthermore, the research studies the risks posed to electronic funds transfers and the applicable measures to combat or minimise these risks. In doing so, a comparative study of the regulations relating to electronic funds transfers in Australia and South Africa is made. Specifically, it is argued that South Africa should adopt a procedure similar to Australia. Specifically, Australia deals with electronic funds transfers separately in the ePayment Code. This is meant to prevent the increase in the use of electronic payments by responding to the need to cater for all aspects of electronic payments... , LL.M. (Banking Law)
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- Authors: Nkosi, Gugu Gloria
- Date: 2020
- Subjects: Electronic funds transfers - Law and legislation - South Africa , Electronic funds transfers - Law and legislation - Australia , Financial services industry - Law and legislation , Financial services industry - Technological innovations
- Language: English
- Type: Masters (Thesis)
- Identifier: http://hdl.handle.net/10210/447095 , uj:39176
- Description: Abstract: Electronic funds transfers facilitates the purchasing of items online. This then curtails the burden of having to travel to a physical store, choose an item to buy and pay for it. Thus, these transfers allow us to purchase prepaid airtime and electricity online by using mobile banking applications or internet banking services. Further, electronic funds transfers allow us to send and receive money from the comfort of our homes. Indeed, electronic funds transfers may be construed as the benefit in the digital age where there are information overflows. Nonetheless, electronic funds transfers also generate innumerable setbacks. The most obvious is the prevalence of unauthorised use or access to data, data alteration or integrity and fraud. In light of the above, it is important to utilise the benefits offered by electronic funds transfers whilst still managing the risks attached to electronic funds transfers. The case of Galactic Auto (Pty) Ltd v Venter touches on almost all these risks. Therefore, this research examines the regulation of electronic funds transfers in South Africa. It is limited only to the idea to preserve the sanctity of these transactions. Furthermore, the research studies the risks posed to electronic funds transfers and the applicable measures to combat or minimise these risks. In doing so, a comparative study of the regulations relating to electronic funds transfers in Australia and South Africa is made. Specifically, it is argued that South Africa should adopt a procedure similar to Australia. Specifically, Australia deals with electronic funds transfers separately in the ePayment Code. This is meant to prevent the increase in the use of electronic payments by responding to the need to cater for all aspects of electronic payments... , LL.M. (Banking Law)
- Full Text:
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