Faculty of Commerce, Law and Management (ETDs)

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    Factors influencing Fintech adoption among the unbanked in South Africa
    (University of the Witwatersrand, Johannesburg, 2024) Matsimbi, Kagiso Hetisani; Totowa, Jacques
    Financial technology (Fintech) has emerged as a transformative force in the global financial landscape, promising increased accessibility and efficiency in financial services. However, its adoption among unbanked populations, particularly in South Africa, remains limited, posing a significant barrier to financial inclusion and economic empowerment. This study explores the factors influencing the adoption of Fintech among unbanked South Africans, with a focus on accessibility, trust, technological literacy, user interfaces and socio-economic barriers. Through an exploratory approach, in the form of semi- structured interviews, data was collected from market research professionals with extensive research experience in the financial services and Fintech industry. The findings reveal that while there is a growing awareness of Fintech services, several key factors hinder widespread adoption, including limited digital literacy, concerns over security and trust, and challenges related to accessibility and affordability. Additionally, socio- economic factors such as income levels, infrastructure and geographic location play a significant role in shaping adoption behaviours. Based on these findings, recommendations are proposed to enhance digital literacy, increase accessibility, build trust in Fintech services, simplify user experience, tailor financial products, and foster community engagement to encourage adoption. Addressing these factors is essential for unlocking the potential of Fintech to drive financial inclusion and empowerment among unbanked South Africans, ultimately contributing to broader socio-economic development goals.
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    Factors affecting the implementation of the South African Police Service directive on accessibility infrastructure
    (University of the Witwatersrand, Johannesburg, 2023) Mahlalela, Mduduzi Simanga; Wotela,Kambidima
    The United Nations Convention on the Rights of Persons with Disabilities (2006) Article 9 guides the implementation of universal access, as the accessibility of facilities and physical environment requires usable designs (Sholanke et al, 2019). In South Africa, the policy is implemented through the White Paper on the Rights of Persons with Disabilities (2016) and the National Strategic Framework on Universal Design and Access (2021) to promote fairness, eradicate discrimination, and advocate for reasonable accommodation. Hence, the policy addresses the importance of user-friendly infrastructures and the implementation of universal access in all departments. However, Maart et al (2007) point out that policies on infrastructure access, experience implementation challenges. The South African Police Service Strategic Plan (2020-2024) and the SDIP (2022-2023) highlight the importance of infrastructure plans and police accessibility in police stations. While the Annual Report of 2020-2021 narrates the challenges experienced in completing accessibility projects and new police stations because of delayed suppliers. Mthethwa (2012) identifies that, assessing policy improves accountability and service delivery for policymakers and implementers. These aspects frame the research problem. Therefore, the research assesses the factors affecting the implementation of the South African Police Service directive on accessibility infrastructure, focusing on the process, attitudes, progress, and challenges as main questions. The research details the problem, identifies the knowledge gap, and further establishes a framework to understand the research findings. A qualitative research strategy is proposed for the study, employing a case study design administered with an interview schedule to gather data from participants within the Facility Management in the South African Police Service