Faculty of Commerce, Law and Management (ETDs)

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End date: 2022Subject: search.filters.subject.South Africa

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    Financial inclusion in South Africa: An analysis of the financial sector regulatory framework and proposals for reform
    (2018-09) Duma, Amanda; Kawadza, Herbert
    Abstract Not Available.
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    Financial inclusion through WhatsApp banking in Johannesburg
    (University of the Witwatersrand, Johannesburg, 2022) Miller, Jade Rowan; Balabanoff,Garth
    Approximately three billion people will use mobile banking by 2024. Mobile devices and widespread Internet access are helping to boost mobile banking's popularity. Retail banks can now offer their customers even more convenience with mobile banking applications like WhatsApp. Consumers and financial institutions have embraced advanced technologies, including mobile banking, in recent years. Social media, mobile banking and new ideas like WhatsApp banking have made it easier for people to do business. Mobile banking is now possible thanks to high smartphone penetration and technological advancements. The fourth industrial revolution will continue to exponentially transform the modern economy. Globalisation has forced banks to open new channels to remain competitive in today's market. Banks have had to cut costs and improve their financial position by introducing new products and services. Mobile banking has grown rapidly globally due to the rapid development of information technology. Due to multi-channel distribution, most banks now have a global presence with cross-border customers. A quantitative approach was taken to examine factors that may influence behavioural intention to use WhatsApp banking in the context of financial inclusion. A questionnaire was used as the primary data collection instrument. The survey was conducted using an online questionnaire distributed to people living in Johannesburg, South Africa. The study adds to the body of knowledge by identifying factors that influence WhatsApp banking adoption, particularly in developing countries. The Technology Acceptance Model by Davis (1985) was used to investigate behavioural intention to use WhatsApp banking. My findings show that perceived trust, banking inclusion, perceived usefulness and awareness all play a significant role in WhatsApp banking adoption. Managers in financial institutions should focus on increasing consumer trust across all age groups to increase customer comfort with non-traditional banking platforms in general and thus increase financial inclusion. This is crucial because ix WhatsApp banking has the potential to bank the unbanked and underbanked while also increasing financial inclusion.
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    The nexus between the World Governance Indicators’ scores on corruption and the financial performance of SOEs in South Africa
    (University of the Witwatersrand, Johannesburg, 2022) Mdluli, Mthokozisi Xolani
    South Africa, according to Crompton et al. (2017), is dealing with a triple threat of poverty, inequality, and unemployment. As a result, the government is faced with the task of meeting all of these urgent demands while being hampered by a tight budget and weak economic growth. Procurement is a critical component of the government's service delivery system, and it has been utilised as a policy tool to achieve the government's socioeconomic goals (Badenhorst-Weiss, 2012). Government spending is required to be thoroughly thought out on this basis before any public funds are spent. As a result, government expenditure should be monitored and evaluated as part of the architecture of all government-led projects (Crompton et al., 2017). SOEs (State-owned entities), also known as public entities, are tasked with specific responsibilities by the country's constitution in order to assist the state in fulfilling its mandate (Ovens, 2013). In line with international trends, South Africa has implemented corporatisation, or the transfer of state assets or agencies into state-owned corporations, in a number of areas to encourage more effective and efficient service delivery. Increased public procurement is the result of this. Public procurement involves a large amount of money, which has attracted corruption because of the scale at which it is carried out (Crompton et al., 2017). According to the South African Department of Commerce and Industries, government purchasing power contributed between 15% and 25% of GDP in 2016 (Makube, 2016). Makube (2016) estimates that, between 2013 and 2016, public infrastructure investment in healthcare facilities, schools, water, sanitation, housing, and electrification totalled R827 billion. As a result, the SOEs have been subjected to outside intervention, as well 2 as possible wrongdoing and corruption. According to recent media reports, the country has unacceptably high levels of corruption (Mantzaris, 2016). Understanding how this corruption affects the workings of SOEs is important if the country wants to attempt to start addressing this scourge. Therefore, this study seeks to investigate the relationship that exists between a known measure of governance in a country, namely the World Governance Indicators and the financial performance of SOEs in South Africa
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    The adoption of efficient technology in emerging markets within State Owned Bank in South Africa
    (University of the Witwatersrand, Johannesburg, 2022) Malatji , Jaftha Sechube; Dladla, Pholile
    This study aims to explore the adoption of efficient technologies in a South African state-owned enterprise (SOE) or state-owned bank (SOB), specifically investigating the factors that affect how efficient technologies are adopted, the challenges that come during the adoption phase, and the advantages that result from successfully adopting efficient technologies. The research study applied a qualitative research design and used interviews with open-ended questions to collect data. The findings reveal a complex landscape influenced by various elements such as communication, leadership, organisational culture, and operational efficiency. The study highlights the importance of technology adoption within an SOE or SOB. Based on the findings, recommendations were formulated that can be used to enhance how the South African State-Owned Bank can manage the adoption of new technologies efficiently while reducing the risks connected with technology adoption. Despite certain limitations, the study provides valuable insights into the intricate dynamics of new technology adoption in a traditionally oriented country like South Africa.
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    Leadership style and supervisory behaviour on employee wellbeing and performance at two Retail Banks in South Africa
    (University of the Witwatersrand, Johannesburg, 2022) Harris, Candy
    This study investigates leadership style and supervisory behaviour on employee wellbeing and performance at two retail banks in South Africa. The study aims to contribute to the existing body of knowledge on management and leadership and with this, provide additional insight into the importance of wellbeing within the two banks. The concepts of motivation and supervisory behaviours were explored in relation to different styles of leadership while the importance of employee wellbeing was further investigated in relation to performance. The study was conducted and analysed using quantitative data that was collected through an online questionnaire. The sample size included 144 employees from two Retail Banks. Most of the sample included back-office managers, professional bankers and analysts which included 50% from Retail Bank A, and the other 50% were from Retail Bank B, both in Sandton, Johannesburg. The study found that democratic and transformational leadership styles were most effective at increasing employee motivation and employee performance. These two forms of leadership styles have a positive influence on productivity, job satisfaction, and overall employee performance. It was also found that the autocratic leadership style had negatively affected supervisory behaviour. Autocratic leadership style demotivated employees causing higher levels of job dissatisfaction. Relationships between supervisory behaviour and employee wellbeing together with employee performance were also identified.
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    Perceived barriers to digitalization by small-scale farmers Gauteng Province
    (University of the Witwatersrand, Johannesburg, 2022) Choguya, Donald
    Digitalization in the fourth industrial revolution era has transformed many industries across the board. However, there are some that have been affected more than the others as depicted in the digital vortex. Lagging is the agricultural sector. This study was a quantitative research study that utilized a sample of 40 small-scale farmers to be representative of the Gauteng Province small-scale farmers. The research related the perceived barriers to digitalization and its impact to the agricultural activities of small-scale farmers in Gauteng Province. The data was analysed using the multiple regression analysis and correlation coefficient. Analysis of the results showed a massive gap between small-scale farmers and commercial farmers on the adoption of digitalization. Further analysis indicated that small-scale farmers were less likely to be impacted by digitalization to adopt technological utilization. It was also found that small-scale farmers were contributors to food production. Finally, it was also discovered that small-scale farmers were less established to adapt and adopt to digitalization in their agricultural activities due to various barriers. The recommendations were that there was need to do more research to find ways to bridge the gap to digitalization between small-scale farmers in Gauteng Province and commercial farmers. So that small-scale farmers in Gauteng Province especially the small-scale farmers in rural areas could also be exposed to the digitalization of operations to enable them to improve production
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    Employer brand activities for effective responses to gig economies in South Africa
    (University of the Witwatersrand, Johannesburg, 2021) Makhafola, Kelebogile; Roselyne, Koech
    This research paper aims to investigate employer brand activities that effectively respond to the engagement dynamics introduced into the working environment by gig economies. The focal points are elements which contribute to the sustenance of the organisations’ brand equity, brand reputation and competitive advantage. The paper uses two frameworks to guide the process of investigating the employer brand activities which influence employer brand attractiveness, employee value contribution, and the organisational culture amongst other research attributes and variables within this paper. The first framework used to approach the analysis is the employer brand experience framework and the second framework is the framework on Human Resource Management (HRM) and platform ecosystems in the gig economy. The study follows a qualita-tive research method, introducing the use of semi-structured interviews. Broadly, the findings communicate that effective employer branding that keeps the employees involved and valued will most likely enjoy a higher retention and productivity rate, further stimu- lating the organisational bottomline. Accessible research and material regarding employer brand effective in context to gig economies within South Africa is not popularly explored. Further- more, the investigation of employer brand activities and programmes are limited to the traditional organisational structures which exclude the attributes introduced by nuances in gig economies (roles, responsibilities, productivity, brand loyalty, the measurement of value contri- bution and innovation). The key findings further elaborate that the participating organisations (employer brands) and their employees aren’t confidently aware of the introduction of gig economies as a direct effect to their organisation. Through the findings, it further appears that they, the organisations, are not adequately prepared to embrace the new world of work in light of policies, Human Resource Management systems and work related structures
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    Small Medium Enterprise (SME)’s Competitiveness within a volatile regulatory environment in South Africa
    (University of the Witwatersrand, Johannesburg, 2021) Shai, Gift; Wotela, Kambidima; Ameyibor, Leeford
    SMEs have been established as the driving force for developing the South African economy and the main source of competitive advantage. They are recognized as agents of industrial change and innovation; they are also seen as an important vehicle for employment creation and economic development. On the other hand, we have a regulatory environment that is volatile and, as a result, poses challenges to the competitiveness of the SMEs in South Africa. This study is an attempt to determine the level of competitiveness of the SME within the emerging markets as well as how SMEs can monitor their external environment. In addition to that, this study establishes the coping mechanisms of the SMEs and suggests ways to enhance their competitiveness. A case study qualitative strategy was adopted for this study which allowed research to get in-depth understanding about the case. Semi-structured interviews were conducted in which 8 formal SMEs with more than 3 years in existence were targeted. The findings reveal that SMEs need to have research and development measures in place which will enable their organisation to know what is happening around them, which coupled with information technology, can enable them to plan for all anticipated changes. This, in consequence, will help them build their capabilities in a way that it will give them a competitive advantage. It is also of paramount importance for SME to have a Quality Management System consisting of policies and procedures in place that will guide the crafted strategies. Strategies coupled with information gathered from research and development and relevant training initiatives can be put in place. Adaptation to change mechanisms can also be forged that will make the SME sustainable and perform better even under volatile environmental conditions. Lastly, governance within the SME plays a vital role in enhancing competitiveness. Good governance creates an organizational culture that keeps employees motivated, reduces workforce fluctuations and increases value for all the stakeholders, both internal and external.
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    The Use of Data Analytics in Strategic Decision-Making in a South African Pay-TV Company
    (University of the Witwatersrand, Johannesburg, 2021) Reddy, Prebashni; Chidzungu, Thandiwe
    The extent to which data and analytics inform decision-making in the Pay-TV industry in South Africa is not known. Netflix used data to achieve a competitive advantage and became a leading player in the streaming services arena. Blockbusters no longer exist because they did not change with the times and listen to what their customers wanted. Companies must use the data that they collect to make decisions and remain relevant in a continually evolving business environment. This research aims to evaluate the extent to which senior management use data and analytics to make decisions. The study measured the relationship of each of the following 3 constructs: data literacy, data accessibility, and data usage with data-driven decision making. The researcher carried out an exploratory study employing a quantitative and observational design approach. Adopting a cross- sectional methodology and drawing on a purposive nonprobability sample of senior managers from a South African Pay-TV company. An online structured interview survey was used to collect data from a population of 294 senior managers who were assumed to be decision-makers. The findings of the study were that data usage, data literacy, and data accessibility each have a positive relationship with data-driven decision-making. The research identified opportunities for the South African Pay-TV company to improve the use of data in decision-making for better- informed decisions and better business performance through a 3-step programme which was recommended should form part of their data strategy. To improve data literacy amongst senior management and other decision-makers a continuous programme of training in the skills to interpret and understand data and analytics is recommended as the first step and arguably most important step. Crafting and implementing an accessibility strategy is the next step and driving usage of that data and analytics is the last and crucial step in the programme. The findings of this study supported by previous research indicate that this company will improve performance and outperform its competitors with the use of data in decision making.
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    An aftermarket parts framework for capital mining equipment in South Africa: An OEM Perspective
    (University of the Witwatersrand, Johannesburg, 2021) Ganasram, Amith
    The purpose of this research study is to create an aftermarket framework for capital mining equipment in South Africa, which can be applied in organizations that currently are OEM Manufacturers for mining equipment. The background literature that was reviewed for this study focused on aspects of SPM, SCM, inventory management, parts pricing methodologies, processes, purchasing, CRM and maintenance management. These topics were reviewed in detail, the definitions of these concepts and their respective components were identified and acknowledged during the learning journey. Models were touched on in this research study followed by a theoretical framework which was defined making use of the sourced academic literature. To achieve the objectives set out in this study, there was a case study research conducted on an OEM, which was utilised for the full duration of the research. The case company used in the research is a Global OEM that manufactures mining equipment for the various stages of mining. It is projected that there will be a combination of 12 semi-structured and 10 structured interviews that will be conducted where the semi structured will focus on the customer and the structured will focus on the internal employees of the case company. All interviews will be conducted personally by the researcher to ensure that all information is treated in the strictest of confidence. The data collected from the interviews will be transcribed from their recordings and will be qualitatively analysed. Research aims and objectives of this research study is: To systematically review previous work on aftermarket parts supply and aftermarket support. To identify aftermarket parts issues that are not supported by sourced literature which relates to my research topic, and which my research will be able to reveal or provide additional insight from a a mining OEM perspective. To study aspects with respect to CRM, aftermarket strategy, pricing and aspects related logistics. To identify an appropriate aftermarket framework for aftermarket parts of aging and new capital mining equipment Key results or arguments - To be completed in the Empirical Research Conclusion – To be completed at the end of the research