The perceived influence of digital banking on the financial wellness of the South African middle-class

dc.contributor.authorMabasa, Tiyiselani Innocent
dc.contributor.supervisorAnning-Dorson, Thomas
dc.date.accessioned2025-03-24T12:35:19Z
dc.date.issued2024
dc.descriptionA research report submitted in partial fulfillment of the requirements for the degree of Master of Business Administration to the Faculty of Commerce, Law, and Management, Wits Business School, University of the Witwatersrand, Johannesburg, 2024
dc.description.abstractThis study explores the impact of digital banking on the financial wellness of the South African middle class. Using online questionnaires, quantitative research methods are employed to gather data on digital banking adoption, perceived financial wellness, easy access to credit, and prior exposure to digital marketing strategies among middle- class individuals. Data analysis encompasses the use of descriptive statistics, correlation analysis, and regression analysis to examine the relationships between variables and draw relevant conclusions. This study aims to enhance comprehension of the perceived impact of digital banking on the financial wellness of middle-class South Africans by addressing specific research goals. The study found that autonomous and controlled motivation had a positive impact on the individual's financial wellness; it further highlighted that personalised credit offers contributed positively towards their financial wellness, despite the fact that convenient access to credit is a significant factor in the adoption of digital banking but not the sole determinant factor.
dc.description.submitterMM2025
dc.facultyFaculty of Commerce, Law and Management
dc.identifier.citationMabasa, Tiyiselani Innocent . (2024). The perceived influence of digital banking on the financial wellness of the South African middle-class [Master’s dissertation, University of the Witwatersrand, Johannesburg].WireDSpace.https://hdl.handle.net/10539/44415
dc.identifier.urihttps://hdl.handle.net/10539/44415
dc.language.isoen
dc.publisherUniversity of the Witwatersrand, Johannesburg
dc.rights© 2025 University of the Witwatersrand, Johannesburg. All rights reserved. The copyright in this work vests in the University of the Witwatersrand, Johannesburg. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of University of the Witwatersrand, Johannesburg.
dc.rights.holderUniversity of the Witwatersrand, Johannesburg
dc.schoolWITS Business School
dc.subjectDigital banking
dc.subjectEase access
dc.subjectCredit
dc.subjectFinancial inclusion
dc.subjectDigital marketingfinancial wellness
dc.subjectOver-indebtedness
dc.subjectUCTD
dc.subject.primarysdgSDG-8: Decent work and economic growth
dc.titleThe perceived influence of digital banking on the financial wellness of the South African middle-class
dc.typeDissertation

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