Wits Business School (ETDs)

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    Consumer perceptions of long-distance ride-sharing services in South Africa
    (University of the Witwatersrand, Johannesburg, 2024) Horonga, Nyasha
    The research focuses on the analysis of consumer perception towards a long-distance peer-to-peer ridesharing service. Due to the rising cost of living, travelling has become a challenge. While other people are already hitchhiking to reduce spending on travelling, some are a bit hesitant due to the risk associated with it. The research proposes that to address challenges associated with hitchhiking, a platform which only allows those who have been vetted for security purposes can access and share their travelling plans. Such a platform which ideally works if both the driver and the passenger have an intention to travel the same distance is linked to shared travelling costs. Qualitative analysis is used to identify the factors that affect consumer perception towards adoption of long-distance ridesharing services and quantitative analysis is used to analyse and rank the factors. This research examines the seven factors which include: perceived usefulness, perceived risk, perceived ease of use, compatibility, trust, social influence, and facilitating conditions. These factors are analysed to identify the socio-economic attributes that drive them. Results obtained highlight that there is a relationship between perceived usefulness and travelling frequency, age, level of education, ridesharing history and earnings. The younger generation agrees that such a platform is useful while the older and more educated population do not agree. It is believed that this is because they still have enough funds to travel alone. Results also suggest that social influence has a relationship with earnings and age. The older population do not agree that they can be influenced by society when choosing to adopt long-distance ridesharing while the younger generation is more likely to be influenced. Results also show that those with higher levels of education and high-income earners do consider risk as an important factor when adopting ridesharing services while the younger generation is comfortable with the level of risk they are used to in the current ehailing services. Participants in the survey were also asked to rank these factors according to their importance. The ranking was compared to a similar exercise which was done in India. It was found that these rankings are different meaning that studies done in other countries may not necessarily apply in another countr
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    Perceived impact of fintech on financial inclusion in South Africa
    (University of the Witwatersrand, Johannesburg, 2021) Runyowa, Leonard; Chakamera, Chengete
    Globally, financial inclusion has been recognised as a critical pillar to alleviate poverty, reduce inequality, and increase economic growth. As an emerging economy, South Africa is still facing challenges of poverty and inequality and is ranked one of the unequal countries in the world (World Bank, 2013). Financial inclusion by leveraging fintech has been identified as a critical enabler for delivering affordable financial services to under-served population segments (National Treasury, 2020). The primary purpose of this study is to determine the perceived impact of financial technology on financial inclusion in the South African context. The study's specific objectives are (i) to determine if the adoption and usage of fintech influences financial inclusion in South Africa; (ii) to determine if fintech can influence financial inclusion barriers and (iii) to determine if awareness of the benefits and risks associated with fintech influence the adoption and usageof fintech. The study used a quantitative research strategy with a cross-sectional or survey design. An online self-completion questionnaire was used as a data collection instrument and non-probability sampling with convenience sampling method to select the respondents. One hundred twenty-five respondents completed the online survey, and data were analysed using descriptive statistics, correlation, and regression analysis. The findings indicate that fintech adoption and usage has a positive influence on financial inclusion. The study also found that fintech influences financial inclusion barriers like distance to the nearest branch, transport costs, transaction costs, and lack of proper documentation. Consumers who use fintech products and services no longer perceive these barriers as a hindrance to financial access. Lastly, it was also found that awareness of the benefits associated with fintech influences fintech adoption and usage. In contrast, awareness of the risks associated with fintech does not influence fintech adoption and use among the respondents. This study will contribute to the fewer studies that have looked at the impact of fintech on financial inclusion in the South African context. The study can help the government and financial institutions understand the impact of fintech on financial inclusion and improve the current strategies implemented to increase financial inclusion in South Africa