Faculty of Commerce, Law and Management (ETDs)

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    The Impact of Digital Banking Amongst South African Consumers
    (University of the Witwatersrand, Johannesburg, 2023) Suthan, Dhivaker Navin Mahadev; Magida, Ayanda
    In light of the constant and swift evolution of digital banking, it is imperative that consumers quickly adapt to these changes. The advancements in technology are having a significant impact on businesses' strategic objectives and business models, as they are altering consumer behavior and expectations. As a result, numerous organizations have modified their business platforms in order to enhance their competitive edge by offering proximate and efficient solutions to consumers, thus influencing their approach to conducting business. This research aimed to elucidate the effects of digital banking on consumers and their inclination to modify their behavior, utilizing the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT) as primary frameworks. The research methodology employed in an online survey, utilising a sample population of 240 respondents. The research effort was specifically focused on establishing if consumers are impacted, either positively or negatively due to technological advancements in digital banking. The primary data suggests that a significant number of individuals aged 46 or older in South Africa are hesitant to fully embrace digital banking. On the other hand, consumers between the ages of 18 and 45 appear more inclined to shift from traditional banks to digital-focused banks, such as Tyme Bank, Discovery Bank, or Bank Zero. The limited access to the internet in South Africa may be a factor contributing to the underutilization of digital banking by consumers.
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    The Impact of employment benefits on employee performance and productivity in the South African mining industry
    (University of the Witwatersrand, Johannesburg, 2024) Shiluvana, Theron Fana; Appiah, Erasmus
    This research study considers themes such as housing allowances, health care benefits, retirement plans and other non-cash incentives, to learn more about how employees feel about their benefits and how these perceptions affect their work performance and productivity.It is anticipated that the findings of this research will contribute valuable insights to both academia and industry practitioners by shedding light on the intricate dynamics between employment benefits, employee motivation and organisational productivity in the South African mining context. Moreover, the study aims to offer actionable recommendations that mining companies can implement to optimize their benefit packages in order to enhance employees’ satisfaction, engagement and, ultimately,performance and productivity
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    Assessing the impact of covid-19 on monitoring and evaluation functions of the gauteng department of health
    (2023) Dlamini, Nqobile Minenhle; Pophiwa, Nedson
    The Covid-19 pandemic brought unprecedented challenges that required enforced adaptation in all aspects of human life globally. With such an outbreak the government sector was forced to develop mitigation factors and implement precautionary measures useful for curbing the pandemic. Hence, the research focuses on the Gauteng Department of Health as it is at the forefront of the healthcare sector. The main research objective is to understand ways in which the pandemic disrupts the Gauteng Department of Health’s Monitoring and Evaluation functions mechanisms adopted to ensure function continuity. Therefore, it was also important to understand the tools and mechanisms that were adopted and how the pandemic changed their implementation. A total of 10 key participants within the department were interviewed and a question guide was used as a data collection tool during the interview process. The participants interviewed were purposively sampled as a form of non-probability sampling. This study is a qualitative case study research design with an exploratory research approach. During the interview process, the majority of the participants indicated that lockdowns, restrictions on travel, isolations, quarantines, and the shutdown of non-essential activities were highly implemented. However, these restrictions impacted how raw data was collected in the field. Remote data collection had to be introduced and it became common because face-to-face data collection was limited due to contracting the virus. The findings of this study revealed that the Monitoring and Evaluation practices in the department were no longer treated as a priority due to the urgent response to the pandemic. The data that has been collected throughout the research indicates that there are ways in which Monitoring and Evaluation can be developed and innovated. The study also highlighted the best possible interventions or recommendations that can be taken into consideration should a pandemic of this nature arise in the future. This becomes a contribution to the knowledge gap concerning the disruption of an unexpected pandemic
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    Exploring Covid-19 disclosure patterns: A comparative analysis of the financial statements of a sample of top-, mid-, and small-tier companies listed on the Johannesburg Stock Exchange, Nigerian Exchange and the London Stock Exchange in the 2020 and 2021 financial years
    (University of the Witwatersrand, Johannesburg, 2023) Makara, Motanyane; Gomez, Samantha
    This study is an exploration of the impact of Covid-19 on the accounting standard disclosures of a sample of companies from the Johannesburg Stock Exchange (JSE), Nigerian Exchange (NGX) and London Stock Exchange (LSE). The study is a comparison of the impact of Covid-19 between developing nations and a developed nation. It explores how the impact of Covid-19 was disclosed in the financial statements of the sample companies from the top-, mid-, and small-tiers of the stock exchanges. Stakeholder theory and Legitimacy theory are applied to better understand the study due to their emphasis on transparency and accountability to shareholders. A content analysis was carried out using financial statements of 90 companies from the LSE, 79 companies from the JSE and 37 companies from the NGX. Covid-19 disclosures were not as prevalent as expected in the financial statements. The study finds that the JSE and LSE had a higher number of Covid-19 disclosures than the NGX in both years. The number of disclosures between the market tiers varies by stock exchange however. The most impact disclosed in all the stock exchanges revolved around IFRS 16 Leases, IAS 1 Presentation of Financial Statements with focus on going concern, and IAS 36 Impairment of Assets. Covid-19 had the consequence of halting business activity globally. This meant assets were unused, affecting impairment and leasing activities. Going concern also became a major issue for businesses worldwide. The study is guided by the legitimacy and stakeholder theories to contribute to the literature on the impact of major events on the disclosure practices of entities taking into the need for stakeholders to have adequate information provided
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    Digitalisation of risk management in the South African banking industry: a case study of a major South African bank
    (2020) Gresse, Lambert Francois
    The research studies the impact that digitalisation has on banking in South Africa, how it impacts the inherent risk in the system and accordingly, how banks respond to those risks that digitalisation presents using digitalised risk response strategies. The fourth industrial revolution has meant that the way in which banks are differentiating themselves from their competitors and what customers are demanding from them are rapidly changing. This is distinct from previous industrial revolutions as it is characterised by velocity, scope and systems impact. Companies are being exposed to disruptive technologies and with it comes increased complexity and risk. Therefore, there is an apparent link between digitalisation and risk management. The research aims to understand the impact of digitalisation on risk management and accordingly how banks should respond to mitigate those risks. The research adopted a mixed method, case study approach. The research was conducted using online questionnaires and face-to-face interviews, with structured and semi-structured questions. The data collected from the questionnaires and feedback from participants in the interviews were then combined to draw a conclusion based on the findings. Key findings and insights were that banks should revisit the methods and models used to perform risk management, as velocity plays an increasing role in the types of risk that disruptive technologies introduce. Furthermore, the role that staff members, their skills and the tools that they have access to, to respond to risks, needs to improve.