Electronic Theses and Dissertations (Masters/MBA)

Permanent URI for this collectionhttps://hdl.handle.net/10539/37942

Browse

Has files: YesSubject: search.filters.subject.Impact

Search Results

Now showing 1 - 3 of 3
  • Thumbnail Image
    Item
    The Impact of Digital Banking Amongst South African Consumers
    (University of the Witwatersrand, Johannesburg, 2023) Suthan, Dhivaker Navin Mahadev; Magida, Ayanda
    In light of the constant and swift evolution of digital banking, it is imperative that consumers quickly adapt to these changes. The advancements in technology are having a significant impact on businesses' strategic objectives and business models, as they are altering consumer behavior and expectations. As a result, numerous organizations have modified their business platforms in order to enhance their competitive edge by offering proximate and efficient solutions to consumers, thus influencing their approach to conducting business. This research aimed to elucidate the effects of digital banking on consumers and their inclination to modify their behavior, utilizing the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT) as primary frameworks. The research methodology employed in an online survey, utilising a sample population of 240 respondents. The research effort was specifically focused on establishing if consumers are impacted, either positively or negatively due to technological advancements in digital banking. The primary data suggests that a significant number of individuals aged 46 or older in South Africa are hesitant to fully embrace digital banking. On the other hand, consumers between the ages of 18 and 45 appear more inclined to shift from traditional banks to digital-focused banks, such as Tyme Bank, Discovery Bank, or Bank Zero. The limited access to the internet in South Africa may be a factor contributing to the underutilization of digital banking by consumers.
  • Thumbnail Image
    Item
    The Impact of employment benefits on employee performance and productivity in the South African mining industry
    (University of the Witwatersrand, Johannesburg, 2024) Shiluvana, Theron Fana; Appiah, Erasmus
    This research study considers themes such as housing allowances, health care benefits, retirement plans and other non-cash incentives, to learn more about how employees feel about their benefits and how these perceptions affect their work performance and productivity.It is anticipated that the findings of this research will contribute valuable insights to both academia and industry practitioners by shedding light on the intricate dynamics between employment benefits, employee motivation and organisational productivity in the South African mining context. Moreover, the study aims to offer actionable recommendations that mining companies can implement to optimize their benefit packages in order to enhance employees’ satisfaction, engagement and, ultimately,performance and productivity
  • Thumbnail Image
    Item
    Digitalisation of risk management in the South African banking industry: a case study of a major South African bank
    (2020) Gresse, Lambert Francois
    The research studies the impact that digitalisation has on banking in South Africa, how it impacts the inherent risk in the system and accordingly, how banks respond to those risks that digitalisation presents using digitalised risk response strategies. The fourth industrial revolution has meant that the way in which banks are differentiating themselves from their competitors and what customers are demanding from them are rapidly changing. This is distinct from previous industrial revolutions as it is characterised by velocity, scope and systems impact. Companies are being exposed to disruptive technologies and with it comes increased complexity and risk. Therefore, there is an apparent link between digitalisation and risk management. The research aims to understand the impact of digitalisation on risk management and accordingly how banks should respond to mitigate those risks. The research adopted a mixed method, case study approach. The research was conducted using online questionnaires and face-to-face interviews, with structured and semi-structured questions. The data collected from the questionnaires and feedback from participants in the interviews were then combined to draw a conclusion based on the findings. Key findings and insights were that banks should revisit the methods and models used to perform risk management, as velocity plays an increasing role in the types of risk that disruptive technologies introduce. Furthermore, the role that staff members, their skills and the tools that they have access to, to respond to risks, needs to improve.