Electronic Theses and Dissertations (Masters/MBA)

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

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Now showing 1 - 5 of 5
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    Adoption of embedded subscriber identity module (ESIM) technology services by South African smartphone users for international roaming
    (University of the Witwatersrand, Johannesburg, 2023) Singh, Sharon
    The objective of this study was to investigate the factors that influence the intention to adopt ESIM (embedded SIM) technology for international roaming services by South African smartphone users. Currently, the Subscriber Identity Module (SIM) is a physical hardware with an integrated chipset that is inserted into mobile handsets. Physical SIM cards allow a single profile to be provisioned for users. The next evolution in SIM card technology, ESIM, have the capability to support multiple user profiles. The development of services and new business models enabled through ESIM technology is dependent on the willingness of users to adopt these services. A theoretical model was developed using TAM as a basis with the additional constructs of trust and risk to test the intention to adopt international roaming services. A cross-sectional, quantitative study using an online survey instrument was employed. A sample size of 142 was collected. The sampling method used was a non-probability, convenience sampling technique and Confirmatory Factor Analysis (CFA) was performed to examine the reliability and validity of the measures and the main conceptual model was tested using structural equation modelling (SEM). Perceived ease of use and perceived usefulness were identified as the most significant factors that influence the intention to adopt ESIM roaming services. Perceived usefulness was identified as significant mediating variable between perceived ease of use and intention to adopt. Perceived risk presented as statistically significant, direct influences on intention to adopt. The trust factor had an insignificant influence of the intention to adopt. The study’s findings form a basis for future research on ESIM enabled services. These findings are relevant to mobile operators, technology platform owners and developers of services for ESIM enabled devices (smartphones, wearables and internet of things devices) with the intent to understand factors that drive users’ intention to adopt service
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    The adoption of financial technology solutions by lower-income earners in South Africa
    (University of the Witwatersrand, Johannesburg, 2023) Manamela, Nthabiseng; Magida, Ayanda
    The aim of the study was to gain an understanding of the factors that drives financial technology (FinTech) adoption by lower-income earners in South Africa. This study focuses on the lower-income earner's behaviour with regards to the adoption of FinTech solutions. The conceptual framework for this study is drawnfrom the theoretical frameworks deployed in the study to form the research variables. Qualitative research method was used for this study. Data was collected using interviews in a semi-structured format and the data was analysed using thematic data analysis. The study found that there was a general lack of understanding of FinTech solutions. The findings showed that the most common FinTech solutions adopted were from the Banking industry, suggesting that there is a knowledge gap of the different FinTech solutions available for consumption. The study found 6 enabling factors to FinTech adoption; Trust, economic benefit, digital literacy, and brand and 4 barriers to FinTech adoption; Associated cost, perceived risks, income levels and education levels. The study concludes that addressing these factors requires a multi-pronged approach. It recommends that FinTech providers, policy makers and government adopt the enhanced FinTech adoption model to improve their understanding on the factors that enable or deter the adoption of FinTech solutions by lower income. It is further recommended that FinTech providers must accelerate marketing efforts to raise awareness of FinTech and use of a hybrid contact approach. The study emphasises the need to expedite policies and regulations that addresses high cost of mobile data. The study also urges government to play iii a role in the adoption of FinTech solutions by investing in ICT infrastructure needed to support the adoption of FinTech solutions
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    Factors influencing the adoption of mobile banking among lower-income groups in Gauteng
    (University of the Witwatersrand, Johannesburg, 2022) Msimanga, Bongani; Magida, Ayanda
    The focus of the study was to determine factors that influence the adoption of mobile banking among lower income groups in Gauteng. The theoretical framework was based on TAM, UTAUT, Theory of Perceived Risk and Trust Transfer Theory. (SPSS v27) was used to check the quality of the data from 200 respondents in Cities, Towns and Townships in and around Gauteng where data was collected using a self- administered survey to address the research objectives. This quantitative study aimed to investigate the role of Perceived Trust (PT), Perceived Ease of Use (PEOU), Perceived Cost (PC), Perceived Risk (PR), and Facilitation Conditions (FC) in the application of behavioural intention (BI) towards mobile banking services. The initial hypotheses for the following constructs were supported: PC was accepted to have a negative effect on BI; PEOU was accepted toe have a significant positive effect on BI; PR2 was found to have a significant effect on BI; and FC had a significant positive effect on BI. However, the initial hypothesis for PR1 was rejected because it had no significant effect on BI. Age and PEOU variables had no significant relationship, and the hypothesis of income and PC having a significant relationship was also rejected. In the past there are studies that looked at mobile banking adoption in South Africa. However, none of them have focused of mobile banking adoption among lower income groups in Gauteng. This study focuses on factors influencing adoption of mobile banking among lower income groups in Gauteng where they are found to be an important contributor to financial institutions
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    The adoption of artificial intelligence in financial services in South Africa
    (2022) Qwabaza, Anele
    Artificial intelligence (AI) is one of the driving forces behind disruptive innovations and has transformed how organisations interact and deliver services to their customers. While factors that enable the successful implementation of AI in organisations were previously studied, these studies are still in the early stages. Therefore, the objective of this study was to investigate the success factors for AI adoption by South African financial services companies, using an integration of the diffusion of innovation (DOI) theory and the technology-organisation-environment (TOE) framework. This study also aimed to understand the relative effect of factors affecting AI adoption in financial services in South Africa. The study was administered using an online survey targeting employees of South African financial services organisations. Structural equation modelling (SEM) was used to analyse the data. The results show that only complexity and technical capabilities significantly influenced AI adoption, with managerial capabilities indirectly influencing the adoption of AI in South African financial services. Therefore, when adopting AI in their organisations, the leadership of financial services organisations should consider the costs associated with AI applications, the time taken to innovate using AI, and the application of AI. External environmental factors, government involvement, competitive pressure, and vendor partnerships all had statistically significant results for AI adoption. In addition, this study also aimed to understand the assimilation of AI by customers after adoption by organisations, using the technology acceptance model (TAM). The data was collected using an online survey targeting external customers of financial services organisations, and it was analysed using SEM. The results show that vi perceived ease of use and perceived usefulness are important indicators of how customers experience AI applications of financial services organisations. Therefore, financial services organisations should ensure an optimal level of ease of use and prioritise utilitarian benefits when designing and adopting AI applications.
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    Critical factors that drive and influence consumer intentions to use m-commerce in retail stores in South Africa
    (2021) Raikane, Millicent
    With the growing popularity of smartphones, new opportunities in m-commerce are emerging, and these are facilitated by technological developments in internet access as well as easy access to mobile applications. However, even with these developments in technology, m-commerce adoption in South Africa is still slow. This study examined the factors that influence and/or inhibit South African consumers from adopting m-commerce, with a specific focus on the retail sector, by extending TAM. This study adopted a quantitative research methodology, and data was collected from 806 respondents through a web-based cross-sectional survey. Only 699 of the surveys were completed and therefore used for further analysis. The data was analysed by employing Factor Analysis, specifically, principal components analysis. Correlations analysis was used as an initial test of the hypotheses and thereafter, a multiple regression was run and used to accept or decline the hypotheses formally. The findings revealed that perceived usefulness, perceived ease of use, social norms, self-efficacy and trust positively and significantly affect consumers' intentions to adopt m-commerce. Perceived usefulness was found to be the most significant determinant for m-commerce adoption. Perceived risk was found to have no effect on South African consumers’ intentions to adopt m-commerce. Therefore, perceived usefulness, perceived ease of use, social norms, self-efficacy and trust are the critical factors required to drive m-commerce adoption. As retailers, marketers and developers begin to develop successful m-commerce strategies, it is important that they take into consideration these factors to ensure consumers adopt m-commerce, specifically focusing on perceived usefulness