Faculty of Commerce, Law and Management (ETDs)
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Item Digital transformation in Lesotho Postbank: a case for e-commerce, mobile application and ATMs(University of the Witwatersrand, Johannesburg, 2024) Ramokhoa, Tsepo; Sethibe, TebogoLesotho Postbank's endeavours to adopt Digital Transformation have resulted in limited advancements in offering online services, interactive websites, and other associated activities. This study examined the incorporation of e-commerce and other digital technologies, and the essential managerial skills required to implement digital transformation successfully. Specifically, it assessed the necessary digital skills and examined how emerging technologies and the characteristics of the digital environment influence these skills. The responses were obtained directly from senior managers involved in the organi sation's day-to-day decision-making process. The results suggest a general agreement that digital skills are necessary for Digital Transformation. It also highlights the need for continuous training among employees. Furthermore, the findings show a discrepancy between the understanding of digital transformation and the awareness of how the digital environment influences digital skills development. The findings also highlighted the necessity for implementing suitable strategies to address the rising risks associated with digital technology. The investigation revealed deficiencies in the bank's comprehension of digital transformation. The organisation still needs to adopt e-commerce. This disconnection is evident in the implementation of the strategy and leads to the formation of isolated groups in the execution process. Additionally, it was discovered that the digital transformation strategy requires the backing of proficient staff, a facilitating culture, a robust operating model, and an integrated governance and assurance framework. The study identified several obstacles to the research objectives. Four recommendations were proposed to tackle the rising difficulties. These recommendations include providing a precise definition of digital transformation, addressing cyber threats, promoting digital literacy, and fostering collaboration with Fintech businesses.Item The Impact of Mobile Banking Technology Adoption on The Demand for Cash in South Africa(University of the Witwatersrand, Johannesburg, 2021) Nghatsane, Nghatsane; Totowa, JacquesMobile Technology's exponential advances in the last century have dramatically altered how the planet works. From the invention of the aircraft, which revolutionized aviation, through the more modern invention of the internet, which has influenced how individuals and companies interact and do business. ATMs (Automated Teller Machines) are a clear example of how banking technology has progressed. This study investigated how the technology adoption theories with focus on, usefulness, ease of use, credibility, attitudes towards use and intention towards use can be utilised to understand if and how mobile banking technologies can be used to substitute for cash demand within the Gauteng, South Africa. It was found that whilst all of the factors researched do play a role in determining if consumers are likely to use mobile banking technologies over cash, credibility played the most important role. Future studies can expand the geographical reach of the study to see if any variations will be realised