Faculty of Commerce, Law and Management (ETDs)

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    Assessing cybersecurity vulnerabilities in the disposal of ewaste in South African public & private institutions
    (University of the Witwatersrand, Johannesburg, 2022) Khumalo, Dimitri
    Over the years there have been numerous studies conducted, focusing on the various facets of waste electronic and electrical equipment, also termed electronic waste or e-waste, and the impact it has on the environment. However, little attention has been placed on the management of personal data during the disposal phases of e-waste and the inherent ramifications it poses if this data were retrieved. This study sought to assess the vulnerabilities to which organisations are exposed, specifically financial and government institutions, by interrogating the management policies, processes, and procedures for stored data when disposing of e-waste at the end of the asset life cycle. A qualitative research method, through semi-structured interviews was conducted. The population selected were very senior individuals, selected based on the specific roles and experiences they fulfilled within the financial services sector, various government institutions, and e-waste recycling companies. From the findings, it emerged that there were growing concerns around the effective policy regulations put in place to manage the disposal practices of ewaste and that of personal identifiable and sensitive data of individuals. This has driven a need for policies and robust mechanisms to be instituted to try and minimise the overall impact these vulnerabilities could pose to the environment and the entire value chain, at that juncture where electronic devices have reached their EOL and are now being disposed of. iii The results demonstrate that more focus has to be placed on the managing of ewaste in industry, providing policy directives in relation to how organisations need to prescribe and conform to effective disposal practices of electronic devices that have reached their EOL. Further to this, government, in consultation with various industry role players, needs to look at ways to formalise and regulate the e-waste sector and institute measures to ensure conformance for every part of the value chain.
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    Does the development of mobile financial services have an impact on financial inclusion in Lesotho?: the case of M-Pesa and eco-cash
    (2020) Jonathan, Mantai Mamello Florence
    The purpose of this study is to assess the effect that the growth of mobile financial services hashad on financial inclusion in Lesotho. The research focused on the two leading mobile network operators (MNOs), Econet Lesotho and Vodacom Lesotho, who launched the country's two Mobile Money services. Over the years, Mobile Money services have increased rapidly, largely replacing the traditional way of banking in the everyday lives of Basotho people. The study aimed at examining the reasons for this transition and how this new development has affected Lesotho in general. The report contains arguments that Mobile Money was indeed an invention that most people welcomed. The study found that most individuals prefer the use of mobile financial services to that of banks for various reasons: some indicated that bank charges are too costly for them; many who reside in rural areas do not have access to bank branches as they are usually located in the city; many also complained about the extensive documentation required to open a bank account. Although the government of Lesotho has implemented various means and strategies in the past in an attempt to increase financial inclusion in Lesotho, this has not been successful. The study used quantitative methods to examine the effect of mobile financial services on financial inclusion. Primary data was collected through the distribution of self-administered structured questionnaires on a sampled population of 114 individuals. For rigorous empirical testing of the data, secondary data was used to unravel the extent of the impact of mobile financial services on financial inclusion. However, both primary and secondary data were essential for reaching the final conclusions and findings of the study. Therefore, after all the analyses and evaluations, it was concluded that, despite its challenges, Mobile Money has improved the financial inclusivity of the many unbanked residents of Lesotho.