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1
Zins, Alexandra. "Essays on banking in Africa." Thesis, Strasbourg, 2018. http://www.theses.fr/2018STRAB005/document.
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Cette thèse étudie les systèmes bancaires africains et se concentre tout particulièrement sur la question de l’actionnariat bancaire et de ses impacts. Le premier chapitre étudie l’efficience de coût. Les banques étrangères sont plus efficientes que les banques domestiques et les banques panafricaines sont les banques les plus efficientes du continent. Le second chapitre étudie la cyclicité des portefeuilles de prêt. La croissance des prêts des banques africaines est sensible à l’évolution de la croissance du PIB par habitant. Les banques panafricaines ont une croissance des prêts moins cyclique. La croissance des prêts des banques étrangères est sensible à l’évolution de la croissance dans leur pays d’origine. Les chapitres trois et quatre étudient l’inclusion financière. La probabilité d’être inclus financièrement augmente lorsque l’individu est de sexe masculin, a un revenu plus élevé, une éducation plus importante, et est plus âgé jusqu’à un certain seuil. La présence des banques panafricaines augmente l’accès au crédit des entreprises. Les banques panafricaines augmenteraient aussi l’inclusion financière des ménages, mais ce résultat est moins robuste. La conclusion générale de cette thèse souligne le rôle nouveau et bénéfique que jouent les banques panafricaines sur le continent. Ces jeunes institutions financières augmentent l’efficience de coût, diminuent la cyclicité des portefeuilles de prêt, et améliorent l’inclusion financièreThis dissertation studies African financial systems with a focus on bank ownership. Chapter one studies cost efficiency. Foreign banks are more efficient than domestic banks, and Pan-African banks are the most efficient banks on the continent. Chapter two analyses lending procyclicality. Lending growth of African banks is sensitive to the GDP per capita growth. Pan-African banks have a less pro-cyclical lending behaviour. Lending growth of African foreign banks is sensitive to GDP per capita growth in their home country. Chapter three and four study financial inclusion. Being male, wealthier, more educated and older to a certain extent increases the likelihood to be financially included. Pan-African banks presence increases firms’ access to credit. Pan-African banks would also increase households’ financial inclusion, but such result is less robust.The general conclusion of this dissertation underlines the new, beneficial role Pan-African banks play on the continent. These young financial institutions increase cost efficiency, reduce cyclicality of lending and improve financial inclusion
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Khumalo, Mahlomola. "How South African banking sector facilitates South African foreign direct investment into Sub-Saharan Africa." Thesis, Stellenbosch : Stellenbosch University, 2008. http://hdl.handle.net/10019.1/8445.
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Thesis (MDF)--Stellenbosch University, 2008.ENGLISH ABSTRACT: Currently, South Africa is a leading intra-continental foreign direct investor in Africa, in general, and in Sub-Saharan Africa, in particular. The internationalisation of South African enterprises has throughout the period following the advent of the new dispensation in 1994 assumed two forms: banking and non-banking cross-border expansions. These cross-border expansions have largely involved greenfield, merger and acquisition and joint venture types of investment. Increased trade between South Africa and the region and huge business and investment opportunities have been the pre-eminent motive forces behind the country's nonbanking and banking foreign direct investment drive into Sub-Saharan Africa. A number of studies have been conducted about South African general outward foreign direct investment, but none so specifically about the involvement of the South African multinational banks in this cross-border expansion by the country's multinational firms. In fact, no obvious and composite information is readily available about the "how" aspect of the involvement. It is the objective of this study therefore to investigate "how" South African banks with multinational behaviour have facilitated and continue to facilitate the way for South African foreign direct investment in Sub-Saharan Africa. The outcome of the research effort makes for an interesting discovery that demonstrates how South African banks indeed facilitate South African outward FDI flows into the Sub-Saharan region. A case study illustration in this research report clearly shows that banks, driven by their own foreign direct investment interests, were simultaneously facilitating and driving nonbanking foreign direct investment in the region. Benefits and costs are also accruing to firms and countries (host country and home country to a lesser degree) involved in the crossborder investment activities. South African outward foreign direct investment, although very important to Sub-Saharan Africa, has serious challenges to contend with in the region. Pockets of conflict and instability in some countries with lucrative opportunities continue to bedevil South African foreign direct investment. Policy and regulatory environments in some countries still remain to be a downside for the attraction of South African outward foreign direct investment, including banking foreign direct investment. Interestingly, South African govemment is keenly involved to ensure that trade and investment in Sub-Saharan Africa flow uninterruptedly without prejudicing any party. Trade and investment opportunities are indeed the key motives for South African outward foreign direct investment into Sub-Saharan Africa. The ''follow-your-client'' paradigm is largely responsible for the South African multinational banks' drive across the border into the region. This ''follow-your-client'' concept in the South Africa foreign direct investment context and other related concepts must be further researched in much greater detail and wider approach. But this does not take away the essence and significance of this study which, amongst other things, provides a good foundation for future research undertakings.
AFRIKAANSE OPSOMMING: Huidiglik is Suid-Afrika die voorstander in die intra-kontinentale vaste buitelandse investering in Afrika in die algemeen en spesifiek in Sub-Sahara Afrika. Die internasionalisering van Suid-Afrikaanse besighede het na 1994 twee vorme aangeneem, t.w. die uitbreiding van bank- en nie-bankinvestering. Die uitbreiding sluit in samesmeltings en venootskappe van investeringsgeleenthede. Verhoogde handel, investeringsgeleenthede en besigheid tussen Suid-Afrika en Sub-Sahara Afrika was die dryfkrag agter die land se vaste buitelandse beleggings. Aigemene studies is gedoen van Suid-Afrikaanse buitelandse beleggings, maar niks so spesifiek soos die samewerking van Suid-Afrikaanse banke met die banke van buitelandse multinasionale firmas nie. Daar is geen inligting vrylik bekombaar oor die 'hoe' van die buitelandse beleggings nie. Die doel van hierdie studie is om juis te bepaal hoe Suid-Afrikaanse banke tans en op die pad vorentoe te werk gaan om vaste buitelandse investerings met multinasionale besighede in Sub-Sahara Afrika uit te brei. 'n Teoretiese grondslag van die debat, definisies en begrip van die konsep "vaste buitelandse investering" vorm deel van die ondersoek, waar beide primere en sekondere data gebruik is. Moeite is gedoen om te verseker dat die data en inligting wat gebruik is, gebaseer is op die "global research methodology", wat insluit vraelyste en elektroniese onderhoude. Hierdie terugvoering wys daarop dat Suid-Afrikaanse banke inderdaad pro-aktief is in die veld van uitwaardse vaste beleggings in die Sub-Sahara area. Banke doen nie net hul eie vaste buitelandse investerings nie, maar fasiliteer dit vir nie-bank vaste buitelandse beleggings. Dit lei tot voordele en kostebesparings vir firmas in die proses van beleggingsaktiwiteite. Alhoewel Suid-Afrikaanse vaste beleggings belangrik is vir ander Afrikastate, is daar ook heelwat slaggate om in ag te neem. Onstabiliteite in lande met aansienlike investeringspotensiaal maak dit moeilik vir Suid-Afrika om te investeer. In baie lande het reels en regulasies nog steeds 'n negatiewe invloed op buitelandse investerings, wat banke insluit. Handel en beleggingsgeleenthede is die motief vir Suid-Afrikaanse investering in SubSahara lande. Die gesegde "follow your client" is die dryfkrag agter die Suid-Afrikaanse banke om te investeer. Daar moet meer ondersoek gedoen word oor die "follow your client" konsep. Hierdie verslag is dus slegs 'n begin punt waarop daar uitgebrei moet word deur verdere ondersoeke.
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Patel, Aadil Suleman. "Development of the South African monetary banking sector and money market." Thesis, Rhodes University, 2005. http://hdl.handle.net/10962/d1002732.
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This thesis presents a theoretical analysis of developments in the South African monetary banking sector and money market. In the first section, evolution of the political, social and economic environments over the past few decades are discussed to provide the reader with an idea of some factors responsible for the underdeveloped nature of this market. It has been argued that the domestic political and economic landscape is relatively stable. Nevertheless, factors such as Zimbabwe’s political and ensuing economic turmoil, coupled with numerous financial crises in other developing nations have had negative consequences on domestic financial market development and economic growth. The current state of monetary policy is also analysed, within the economic environment, and various policy considerations have been put forth concerning the inflation targeting policy. The thesis then goes on to scrutinise the statutory and institutional environments within which the monetary banking institutions operate. Recent changes in the regulations governing the operations of these institutions are identified, together with the consequences of such laws on banking institutions and possible amendments have been suggested. In particular, a system of Asset Based Reserve Requirements (ABRR) has been recommended, in place of the current cash reserve requirement, to ensure regulators create a level playing field in the financial sector. The system can also provide authorities with the necessary control required to direct funds to the most desirable sectors of the economy. Development of the interbank market and the effect of reduced banking competition on the efficacy of the South African Reserve Bank’s refinancing operations and inflation targeting policy are also considered. Finally, the thesis analyses some effects of financial development on the South African economy, and whether it is in the best interests of the country to pursue financial reforms with such vigour. While financial development may bring South Africa closer to international standards of best practice, the timing and extent of the reforms will be critical to guarantee success.
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Hendricks, Henry Robert. "The service quality of internet banking in South Africa." Thesis, Stellenbosch : Stellenbosch University, 2003. http://hdl.handle.net/10019.1/53685.
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Thesis (MBA)--Stellenbosch University, 2003.ENGLISH ABSTRACT: The internet is widely regarded as a major driving force that is changing the business environment in terms of industry boundaries, competitive forces, and the character of business practices. Electronic commerce on the internet provides businesses and consumers with an alternative choice to conduct their business transactions. In the services research literature the component of electronic commerce that receives the most attention, is the business-to-business component. This study focuses on the business-to-consumer component, with special reference to the service quality of internet banking in South Africa. The literature study investigates extant literature on the internet and electronic commerce, service quality as applied to an internet-based consumer-business interaction, and the current state of the internet banking environment in South Africa. The literature study is supported by statistics on the current internet access, and how this affects the adoption of internet banking in South Africa. Statistics on the current internet banking environment is also presented and discussed. The empirical study focuses on the service quality of internet banking in South Africa. The research instrument is a checklist-based questionnaire and it is applied to the internet sites of the four major banks, namely Amalgamated Banks of South Africa, Standard Bank, Nedbank, and First National Bank. The result of the evaluation yielded data that is useful to determine the qualitative nature of the banks' internet offerings in terms of ease of use, functionality and extra mile service. It also provides a measure of the comparative nature of the internet sites of the banks. Recommendations relating to improved service quality in internet banking are suggested and areas of future research are identified.
AFRIKAANSE OPSOMMING: Die internet word alom beskou as 'n hoof dryfkrag vir die verandering van die besigheidsomgewing in terme van die industrie grense, kompiterende dryfkragte en die aard van die besigheids praktyke. Elektroniese besigheid via die internet verskaf aan besighede en hulle kliente alternatiewe metodes om besigheid-transaksies te beklink. Die komponent van elektroniese besigheid wat tans die meeste navorsings-aandag geniet, is die besigheid-tot-besigheid komponent. Die fokus van hierdie studie is op die besigheid-tot-klient komponent, met spesiale verwysing na die dienste kwaliteit van internet-bankwese in Suid Afrika. Die literatuur studie fokus op huidige literatuur aangaande die internet en elektroniese besigheid, dienste kwaliteit soos toegepas op die internet-gebaseerde klient-besigheid interaksie, en die huidige toestand van die internet bankwese in Suid Afrika. Die literatuur studie word gerugsteen deur statistiek aangaande die huidige internet toegangklikheid, en hoe dit die aansluiting van internet bankwese in Suid Afrika beinvloed. Statistiek wat die huidige internet bankwese in Suid Afrika beskryf word ook aangebied en bespreek. Die empiriese studie fokus op die dienste kwaliteit van internet bankwese in Suid Afrika. Die navorsings instrument was 'n oorsiglys-gebaseerde vraelys wat aangewend was op die internet webtuistes van die vier grootste banke in Suid Afrika, naamlik Amalgamated Banks of South Africa, Standard Bank, Nedbank, and Eerste Nasionale Bank. Die resultaat van die evaluasie het data opgelewer wat nuttig is om die gebruiks vriendelikheid, funksionaliteit, en die kwaliteit van hulle aanvullende internet dienste te bepaal. Dit het ook 'n maatstaf van die kompiterende aard van die banke se internet webtuistes verskaf. Die studie word afgesluit met voorstelle wat kan dien om die dienste kwaliteit van internet bankwese te verbeter en voorstelle vir toekomstige navorsing word aangebied.
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Gamariel, Gladys. "Financial liberalisation and banking crises in sub-Saharan Africa." Doctoral thesis, University of Cape Town, 2013. http://hdl.handle.net/11427/5786.
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Includes abstract.Includes bibliographical references.
This study aims to investigate the causal effect of financial liberalisation policies on the stability of banking sectors in selected countries in Sub Saharan Africa (SSA). The study is motivated by theoretical emphasis on the competing in uence of financial liberalisation in fostering financial development, but also giving rise to financial systems that are more vulnerable to systemic risk. This thesis addresses critical issues concerning measures of nancial liberalisation used in empirical studies. While different research bodies have produced several liberalisation indices, most datasets cover developed and developing countries outside Africa. Most of the existing indices are therefore not useful in cross-country and panel studies in SSA. To address this measurement issue, this thesis constructs a new set of liberalisation indicators using country by country information on the timing of seven liberalisation policies. The study considers 12 SSA countries using the framework developed by Abiad et al. (2008). Thus, this study extends the financial liberalisation database of Abiad et al. (2008) from 14 to 26 SSA countries.
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Botha, Kooi. "The banking industry – strategy reporting trends." Thesis, Stellenbosch : Stellenbosch University, 2012. http://hdl.handle.net/10019.1/21383.
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Thesis (MBA)--Stellenbosch University, 2012.ENGLISH ABSTRACT: Throughout the years, organisations were known for only reporting on their financial position, but due to stakeholders becoming more informed about the sustainability crisis, organisations realised the importance of moving away from only reporting on financial information and are now also including information about the impact of their activities on the society and environment in which they operate in sustainability reports. King II stipulated that organisations should produce a sustainability report during their reporting period, while King III recommends integrated reporting. Integrated reporting suggests that both the annual and sustainability report should be published at the same time. As a result, King III places a lot of emphasis on the alignment risk, performance, strategy and sustainability. This allows the integrated report to supply all stakeholders with forward looking information, as well as strategic direction. The purpose for this research is to evaluate the extent to which organisation in the banking industry disclose information about their strategy. Information were gathered and analysed to determine where aspects of strategy are disclosed at an above average to excellent level or whether strategy disclosure were lacking or below average. This study specifically focussed on information disclosed in the 2010 annual and sustainability reports of organisations in the banking industry such as Absa, Investec, Nedbank, Standard Bank and FirstRand. The study concluded that the level of disclosure for strategic information in annual and sustainability reports for organisations in the banking industry, is average at 53 percent.
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Oberholzer, Gerhard. "Aspects of agency, mandate and stockbroking in Britain and South Africa." Thesis, University of Cambridge, 1990. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.386371.
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Venables, Graeme. "Strategy disclosure in South Africa : 2012 banking and retail analysis." Thesis, Stellenbosch : Stellenbosch University, 2014. http://hdl.handle.net/10019.1/97285.
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Thesis (MBA)--Stellenbosch University, 2014.ENGLISH ABSTRACT: Stakeholders have demanded that strategic disclosure and sustainability reporting of companies are disclosed in more detail in order for the different stakeholders to form an opinion whether to invest, partner and contribute towards the sustainability of the company. Different stakeholders require different disclosure. Various bodies have been formed to established guidelines for sustainable reporting. The Global Reporting Initiative has become the leader in the field and have implemented the fourth generation of their Sustainable Reporting Guidelines. This study was to evaluate the strategic sustainable disclosure of companies in the banking and retail sectors. Five companies from each sector were selected being consistent with previous studies. The previous studies utilised the 2010 and 2011 information with this study focusing on the 2012 company reports. The reports used were the integrated annual reports, sustainability reports and annual financial statements where applicable. Strategic disclosure was evaluated against three different baseline models. Two of these models, being baseline 1 and baseline 2, were used in previous studies with a new baseline being introduced. Baseline 1 was based on the Global Reporting Initiatives third generation guidelines with seven reporting elements. Baseline 2 was based on the elements of the strategic architecture framework with eight reporting elements. Baseline 3 was based on the new Global Reporting Initiatives fourth generation reporting guidelines, which were issued in May 2013. The main differences from the Global Reporting Initiatives third generation and fourth generation was moving previous standard requirements to guidelines and the introduction of new standard disclosures. The study results showed an overall improvement in both sectors for all the companies using baseline 1 and 2 from 2011 to 2012. Baseline 3 differed to baseline 1 in only the organisational profile element with an additional fourteen questions but the removal of four questions. The results of the organisational profile were markedly worse than baseline 1 with an overall drop of 23% and 18% for the banking and retail sector respectively. Baseline 1 should be replaced by baseline 3 moving from the third to fourth generation of the Global Reporting Initiative sustainability guidelines.
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Bankole, Omolola Ola. "Mobile banking : a comparative study of South Africa and Nigeria." Master's thesis, University of Cape Town, 2010. http://hdl.handle.net/11427/12737.
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Includes bibliographical references (leaves 91-103).Mobile banking (m-banking) is an innovative technology application, which has made available different value-added applications in both commercial and business processes. South Africa and Nigeria are reported to have high mobile applications usage in Africa, one of which is m-banking. This study identifies the factors that influence the user acceptance of m-banking in both countries. The aim of this research is to examine the relative differences/similarities of m-banking in South Africa and Nigeria. Several studies on the acceptance of m-banking have produced various results across different countries. This can be accredited to the dissimilar socio-cultural composition of such countries. The user acceptance of m-banking in a country is determined by distinct characteristic factors which are unique to that country. This research takes on a positivistic epistemology. This is an exploratory and deductive study which explains the factors that influence the acceptance of m-banking in two African countries by the use of a conceptual model.This study employed quantitative and qualitative data gathering and analysis processes. A crosssectional survey was conducted.. A total of 451 valid questionnaires were collected and analysed using Statistica 9 - analytic research software. The interviews were analysed using selective coding techniques. In this study, several factors such as cost, trust, satisfaction, social factors, utility expectancy (usefulness) and effort expectancy (ease of use) were identified from literature, and a conceptual model was formulated to test hypotheses generated from previous related studies. The dimensions of national culture – power, distance, uncertainty avoidance, masculinity and individualism were also integrated into the model. The result showed that SMS alert for account transactions is the most used m-banking service in both countries. The hypothesised relationships were validated by using regression tests, supported with responses from the interviewees. It was found that culture has an indirect effect on the user acceptance of m-banking. Security risk was the major disadvantageous factor while ubiquity and immediacy were the most advantageous factor. Additional factors such as awareness, convenience and literacy level were also revealed to influence the acceptance of m-banking in both countries.
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Rasuba, Maanda. "Statistical relationship of customer behavioral characteristics in personal banking." Thesis, Nelson Mandela Metropolitan University, 2009. http://hdl.handle.net/10948/1165.
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This study investigates the relationship of bank customers’ behavioural patterns based on the customers past transactions, with respect to their profile characteristics. The main aim of this study is to illustrate that different categories of customers (based on demographical variables such as race, gender and age) have statistically significant differences in behaviour, with respect to how they operate their accounts. A theoretical overview on the literature of customer relationship management in the banking sector emphasises the importance of understanding customers to ensure that a business is successful. Four null-hypotheses where formulated based on a general research hypothesis. The data base provided a major South African bank is used to achieve the objectives. Extensive cleaning of the data set was necessary to ensure the validity of the results. The data set had 7860 customer keys. The large data base used contributed to the reliability of the results. The following behavioural variables were used in the study namely, transaction data, average debit and credit transaction amounts and average number of transactions per month. The main results of study indicate that different customer categories have statistically significant differences in behaviour, with respect to how customers operate their accounts. This implies that it is important for the banking sector to consider customer gender differences, age differences and race group differences in the relationship strategies which they employ in their multicultural environment. Further research in the area may be necessary before generalisation can be made on all banking customers.
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Du, Toit Johannes Gerhardus. "An overview of the relationship between the South Africa banking sector and the South African wine industry." Thesis, Stellenbosch : Stellenbosch University, 2006. http://hdl.handle.net/10019.1/50573.
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Thesis (MBA)--Stellenbosch University, 2006.ENGLISH ABSTRACT: This study shows that a close relationship exists between the South African wine industry and South African financial institutions. Research indicated a need to understand the characteristics and complexity of the wine industry, as well as that of credit assessment. This is important for both industries to further develop and strengthen their relationships. SA WIS provides statistics about various aspects of the South African wine industry. The wine industry is characterised by a fragmented basis. To strategically focus the industry, the South African Wine and Brandy Company (SAWB) was established in 2002. In the application for finance it is important for the applicant to know how credit is evaluated by financial institutions, and which aspects are of importance in the application. One cannot predict the future. The credit assessor therefore bases his credit decision on historical financial data, with the assumption that the trend will continue unless there are indications to the contrary. A specific wine industry credit application and evaluation process is discussed in the study. The final decision is only as good as the analysis, and the analysis is only as good as the information gathered. This study thus provides evidence that with a better understanding of the South African wine industry, financial institutions will be able to assess credit risks better. Similarly, the wine industry will benefit by a better understanding of credit assessment when applying for finance. A detail SWOT analysis was done on this industry. A summary was done of the most important finance needs of the South Afican wine industry, compared to the financial products offered by the South African banking industry and the information required to do the credit assessment. The additional information that the wine industry can supply to help the assessor to assess the application, is also listed. The study closes with proposals to the South African wine and banking industries on what to implement, in an effort to achieve a better relationship.
AFRIKAANSE OPSOMMING: Die studie toon dat 'n verwantskap bestaan tussen die Suid-Afrikaanse wynindustrie en Suid-Afrikaanse finansiele instellings. Navorsing toon aan dat daar 'n behoefte bestaan om die karaktereienskappe en kompleksiteit van die wynindustrie te verstaan, sowel as die van krediet keuring. 'n Beter verstandhouding is nodig om die twee industriee se verwantskap te versterk. SAWIS verskaf statistieke oor 'n verskeidenheid van die wynindustrie se aktiwiteite. Die wynindustrie het 'n gefragmenteerde basis. Die Suid-Afrikaanse Wyn en Brandewyn Maatskappy (SAWB) is in 2002 gestig, juis ten doel om die bedryf strategies te fokus. Dit is belangrik vir 'n aansoeker van krediet om te verstaan hoe die finansiele instelling kredietaansoeke evalueer, asook watter aspekte belangrik is om aan te spreek in 'n kredietaansoek. Die toekoms kan nie met sekerheid bepaal word nie. Die kredietkeurder baseer dus sy kredietkeuring op historiese data, met die aanname dat die tendens sal aanhou, tensy daar aanduidings is van die teendeel. 'n Spesifieke wynindustrie kredietaansoek en evaluasieproses word bespreek in die studie. Die finale krediet besluit is slegs soos goed soos die analise en die analise op sy beurt is weer net so goed soos die inligting wat versamel is. Die studie bewys dus dat met 'n beter begrip van die Suid-Afrikaanse wynindustrie, finansiele instellings 'n beter kredietanalise evaluasie sal kan doen. Terselfdertyd sal die wynindustrie bevoordeel word deur beter te verstaan hoe kredietaansoeke geevalueer word wanneer vir finansiering aansoek gedoen word. 'n Detail SWOT-analise is op die bedryf gedoen. 'n Opsomming word gedoen van die mees algemene finansieringsbehoeftes in die wynbedryf, gemeet teenoor die finansiele produkte aangebied en inligting vereis deur die finansiele instellings. Addisionele inligting wat die wynbedryf kan bied ten einde die kredietkeurder te help om die aansoek beter te kan evalueer, word ook gelys. Die studie sluit af met voorstelle aan die Suid Afrikaanse wyn- en bank industriee wat geimplimenteer kan word teneinde 'n beter verhouding te bewerkstellig.
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Theunissen, George Muller. "Opportunities and challenges for the banking sector in Sub-Sahara Africa." Thesis, Stellenbosch : Stellenbosch University, 2006. http://hdl.handle.net/10019.1/50624.
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Thesis (MBA)--Stellenbosch University, 2006.ENGLISH ABSTRACT: The lack of development and growth are characteristics of the Sub-Sahara Africa (SSA) region . Globally there are huge concerns about this and there are various initiatives to address the under development and poverty in this region. The most important of these initiatives, is the United Nations' Millennium Goals. In focusing on SSA, various challenges can be highlighted that impact negatively on the business (especially the banking) environment. These challenges are spread across the whole spectrum of spheres of influences, namely from the political to the economical environment on the one side to the social and technological environment on the other side. The region is in desperate need of help with regard to their development. These challenges are unfortunately huge obstacles for prospective investors. Many of the multi national (including South African) banks have identified the region as an area where they can reap high returns on their investments, whilst maintaining and even increasing their presence. In most cases the South African banks are focusing on expanding their involvement in the region but they must realise that they will not only have to compete with the local banks but also with the bigger role players in global banking. Unfortunately the existing multi-national banks have already captured the corporate market. New entrance and expansions will have to target the SMME and large retail markets that carry more risk and will be more challenging to service due to the lack of infrastructure in especially the rural areas. Many opportunities exist for South African banks in the SSA region. The dominant features of these opportunities are the leveraging off their South African operations and building on their experience in handling change and re-engineering of the banking sector. Existing product- and service offerings can be adjusted and rolled out to the region. Creativity will play an important role in assisting in the development of the region. Partnerships with local businesses and the community can assist to mobilize the lower end of the market and capture huge un-banked population. This will generate huge transaction volumes that will spread the cost and contributes to acceptable returns on investments. The involvement of the South African banks will have implications for all the stakeholders in the region. The most important aspect is finding a balance between the needs of the different stakeholders. The benefits stemming from this will contribute towards the region's escape from the deadlock of poverty. Although there are many challenges, the opportunities of extending into the undeveloped market must be seen as outweighing it. The key to success lies in the approach of the banks toward the SSA region and their ability to be seen as partners in developing the region.
AFRIKAANSE OPSOMMING: Die gebrek aan ontwikkeling en groei is kenmerke van die Sub-Sahara Afrika (SSA) streek. Wereldwyd is daar groot besorgdheid hieroor en verskeie inisiatiewe is geloods om die onderontwikkeling en armoede aan te spreek. Die heel belangrikste hiervan is die Verenigte Nasies se Millennium Doelwitte. Die fokus op die SSA streek lig heelwat negatiewe uitdagings vir die besighede (veral die bankwese) omgewing uit. Die uitdagings strek oor die volle spektrum van die ekonomiese aktiwiteite, naamlik vanaf die politieke tot die ekonomiese omgewing aan die een kant tot by die sosiale en tegnologiese gebiede aan die ander kant. Die streek smeek vir hulp en ondersteuning in die ontwikkeling daarvan. Die voorgenoemde uitdagings is groot hindernisse vir voornemende beleggers. Baie van die multi-nasionale (insluitende die Suid Afrikaanse) banke het die streek geidentifiseer as 'n gebied waar hulle hoe opbrengste kan verdien op hul investering en waar hul teenwoordigheid behou en selfs vergroot kan word. Die meeste Suid- Afikaanse banke wil hul teenwoordigheid vergroot, maar hulle moet besef dat hulle nie net teen die plaaslike banke moet kompeteer nie, maar ook met die bekende internasionale banke. Die internasionale banke is ongelukkig reeds goed ingegrawe in die korporatiewe mark. Nuwe toetredes en uitbreidings sal op die kleinsake ondernemings en groot klein handel mark moet fokus. Die mark segmente het hoer risiko profiele en is ook uitdagend om te diens as gevolg van die gebrek aan infrastruktuur in veral die plattelandse streke. Baie geleenthede vir die Suid Afrikaanse banke bestaan in die streek. Die belangrikste hiervan is die geleentheid om te steun op hul Suid Afrikaanse aktiwiteite, asook om te steun op hul ervaring ten opsigte van hantering van verandering en die herontwerp van die prosesse in bankwese. Bestaande produkte en dienste kan aangepas en uitgerol word in die streek. Kreatiwiteit sal egter 'n groot rol speel in die ontwikkeling van die streek. Vennootskappe met plaaslike besighede en gemeenskappe sal help om die onderste deel van die mark te mobiliseer en die groot getalle kliente wat nog nie van bankdienste gebruik maak nie te bereik. Dit sal bydra tot groot transaksie volumes wat die koste per transaksie sal verminder en aanvaarbare opbrengs op belegging sal gee. Die betrokkenheid van die Suid-Alrikaanse banke sal 'n invloed he op alle belange groepe in die streek. Die belangrikste sleutel tot sukses is om 'n balans te vind tussen die behoeftes van die verskillende belange groepe. Die voordele wat hieruit spruit sal die streek help om van die wurggreep van armoede te ontsnap. Alhoewel die onderontwikkelde markte baie uitdagings het, word dit oortref deur die geleenthede wat dit bied. Die sleutel tot sukses is die aanslag van die banke en hul vermoe om gesien te word as vennote in die ontwikkeling van die streek.
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Peenz, Jacobus. "Measuring the effectiveness of banking e-business systems in South Africa." Diss., University of Pretoria, 2017. http://hdl.handle.net/2263/65507.
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When the effectiveness of a system is considered, most measurements and research papers tend to report findings from the perspective of the "owners" or creators of such systems. With e-business solutions, it seems to follow the same inward focused tendency. Relatively little research is available to measure the effectiveness of systems from the perspective of a user outside the boundaries of the source of the measured system. Similarly, limited research is available when it comes to measuring the effectiveness of e-business solutions, more so for electronic banking systems. This research aims to address that lack by attempting to determine the effectiveness of specifically e-banking solutions in several different economic sectors, as used by businesses in South Africa. The research approach is three-fold. Firstly, a survey was conducted listing 32 factors which needed to be rated between one and seven on a Likert scale with 1 being the lowest and seven the highest rating. Each factor was rated twice, namely to determine the Importance as well as the Actual experience of the e-banking system. These factors are analysed to determine correlation coefficient and standard deviations in nine different categories. The methodology used was TAM. Secondly, a systematic research of available literature was conducted and analysed on several criteria. These findings were then compared against the outcomes of the research survey to determine the similarity and differences. Where large differences were found between outcomes, it is raised as possible future research topics. A third and last comparison was done against research which was published in 1987, conducted in the financial sector in South Africa, to determine the effectiveness of information systems used within these organisations (Miller and Doyle, 1987). The research was done using the Critical Success Factor Methodology. Again, the purpose was to determine the similarities and differences between the research survey conducted in this paper to the results obtained in 1987. A conclusion is then reached based on the outcome of these comparisons to determine if the research questions and hypotheses were satisfactorily supported. By comparing the questionnaire results to previous research conducted using TAM on electronic banking, a positive and supporting correlation was displayed on similar variables. The second comparison against nine categories of measurement done by Miller and Doyle (1987), displayed a very strong positive correlation and equivalent outcomes.Dissertation (MCom)--University of Pretoria, 2017.
Informatics
MCom
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Banya, Rowland Mwesigwa. "Competitiveness and efficiency of commercial banks and economic growth in the frontier economies of Africa." Doctoral thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/29607.
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Various studies have examined the relationship between competition and efficiency in the banking sector, and others have looked at how this relates to broader economic growth. Goldsmith (1969) and King and Levine (1993), among others, consequently found that financial reform in the banking sector has led to improved efficiency and competition and, as a result, led to economic growth. Financial reform in Africa came about as a result of financial liberalization that took place during the late 1980’s. This reform process was structured to increase competition and efficiency of the financial sector. This has motivated academic inquiry into the assessment and measurement of bank efficiency, bank competition and the impact on economic growth. The literature available indicates a myriad of factors that impact upon bank efficiency and bank competition. A determinant that is scarcely addressed in the literature on Africa however is the quality of institutions. Against this background, this thesis presents a collection of empirical papers on competition, efficiency and economic growth of the banking sector in Africa. Explicitly, annual firm level data on banks from 10 frontier African countries is employed to study different economic theories using various panel data econometric methodologies. The findings reveal that the banking industry in Frontier Africa is characterised by monopolistic competition. In addition, our results may suggest that bank competition could be beneficial for economic growth. As bank competition increases via the efficiency channel, this would ultimately increase economic growth. Furthermore, we also analyse the relationship between bank competition and efficiency. We observe a positive relationship between bank competition and both profit and cost efficiency, as a consequence these findings reject the Quiet Life Hypothesis. We also observe low levels of bank efficiency and competition across the sample. However, the study finds that diversification into non-interest generating activities enables Frontier African banks increase their earnings potential. The study also looks at the quality of institutions and the impact on bank competition. Our results indicate in general, we find that regulatory quality has a positive effect on the degree of competition in the banking sector. The findings recommend that to improve economic growth, policy makers should aim at improving competitive and efficiency conditions in the banking sector because a competitive banking system will allocate resources more efficiently and spur economic growth is as a result. The focus of this policy should therefore be on competition policies, comprehensive financial liberalisation policies, macroeconomic policies and regulatory and supervisory policies.
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Suleman, Yasser. "The legislative challenges of Islamic banks in South Africa." Thesis, Stellenbosch : Stellenbosch University, 2011. http://hdl.handle.net/10019.1/21644.
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Thesis (MBA)--Stellenbosch University, 2011.The Islamic Banking industry has been one of the fastest growing industries worldwide with a compound annual growth rate of 28% between 2006 and 2009(Reuters, 2010). These growth rates were experienced amidst the worst economic meltdown the world has seen in decades. This is a clear indication that there is a high level of confidence in the industry. Although the industry has existed for centuries, the past few decades have brought about a revival in Islamic banking. Many Western countries are recognising the industry’s importance and have taken various steps in supporting the establishment of it. South Africa has also taken such steps and has a vision of becoming a hub for Islamic banking on the African continent. This mini thesis examines the differences in nature of the underlying principles of Islamic and conventional banking which then brings to the fore the various challenges that exist in the unhindered functioning of Islamic banks within Western countries. These challenges revolve around institutional and legal frameworks, regulatory and supervisory bodies, South African Reserve Bank requirements, interest, taxation and conceptual understandings. In order to provide recommendations to address these challenges, case studies of Islamic banking in both, Islamic and Western countries were conducted. These case studies provided insight into how countries have addressed similar challenges and to what degree were they successful. This provided the basis from which recommendations were made for Islamic banking to function efficiently and effectively in South Africa and for the country to achieve its goal of becoming a hub of Islamic banking on the African continent.
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Kroukamp, Thelma. "Facilitating banking finance access for BBBEE firms in the Southern Cape area." Thesis, Nelson Mandela Metropolitan University, 2009. http://hdl.handle.net/10948/996.
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Studies have shown that BBBEE parties are unsuccessful in raising banking finance due to a number of reasons. The objective of the enactment of the Broad Based Black Economic Empowerment (BBBEE) Act is primarily to promote the participation of black people in the economy. The measurement of BBBEE is determined by the codes of good practice for Qualifying Small Enterprises (QSE), which consists of seven elements namely: ownership, management control, employment equity, skills development, preferential procurement, enterprise development and socio-economic development. Enterprises with annual turnover ranging from R5 million and R35 million qualify as QSE. These elements measure the level of BBBEE status. The enactment of the National Credit Act replaced the Usury Act, 1968 and the Credit Agreements Act, 1980. The objective of the act is to promote accessibility to the credit market and to prevent the over-indebtedness of consumers. The Act is applicable to natural persons with contractual capacity and juristic persons with monetary assets or annual turnover of less than R1 million. This study aims to establish the facilitation of access to banking finance for BBBEE SME’S within the George and Mossel Bay area as these towns form part of the Garden Route Business Banking Division of Nedbank. The effect of the BBBEE and NCA on the accessing of banking finance was studied and analysed. Credit applications are subject to stringent credit scoring systems to rate applicants, monitor performance and manage accounts. The Basel rating which measures the minimum level of capital a bank should hold to protect investors determines the interest rate charged for loans. These ratings affect the accessibility of banking finance. A framework for bank and SME relationship building shows the relationships between: • The accounts manager’s role in relationship management; • Branch staff role in relationship management; • Corporate policies as part of relationship management. A survey was conducted in the form of a questionnaire in order to obtain primary information from two sample groups, banking officials and BBBEE clients to establish the relationship between the two sample groups. Quantitative techniques were used and the data obtained from the two sample groups were analysed. The study revealed that the by establishment of relationships between BBBEE clients and banking officials would facilitate access to banking.
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Mkhumbuza, Kongkong Siwalakahle. "Mobile banking capabilities required to serve the unbanked market in South Africa." Diss., University of Pretoria, 2012. http://hdl.handle.net/2263/23719.
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In developed countries, the business environment is highly saturated, with large numbers of banks, and mobile network operators. As a result, customers have a range of options in choosing preferential services providers. In Africa, most countries have dissimilar business environments; however, some countries have paved new frontiers in enabling access to financial services mainly through mobile banking services.In South Africa, a different situation prevails even though in certain instances the business environment is more advanced than other African countries. Over the past five years, South Africa reported upward trends in real income for LSM1-5 (living standard measure), and the number of mobile subscribers per household. Conversely, it also reported 60:40 ratios between the number of mobile subscribers and bank account holders with an expectation that the gap will grow further if key fundamentals are not revised in the banking sector.This research explored mobile banking capabilities required to serve the unbanked market of South Africa; and in doing so highlight the prospects of financial inclusion towards social and economic development, particularly when the firm seeks to offer products and services, which are reflective of the demographics of this country.Thus, as an exploratory study, it was necessary to gain insights from experts involved in designing, co-ordinating, and delivering mobile banking products and services. As a result, the research noted gaps in the products and services being offered across the different market segments. It also noted that in addressing these gaps; the banking sector requires participation from other key role players, such as the mobile network operators, regulator, and government.Dissertation (MBA)--University of Pretoria, 2012.
Gordon Institute of Business Science (GIBS)
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Anani, Ajibola Plakunle. "Attracting and retaining customers in South Adrica's banking sector." Thesis, Nelson Mandela Metropolitan University, 2010. http://hdl.handle.net/10948/1532.
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The business environment and the economy of the society today are continuously witnessing the impact of globalisation. Telecommunication advancement and transportation has greatly made the impact of globalisation to be felt. Globalisation though argued to have its merits and its demerits have resulted in fierce competition amongst businesses. The banking industry is not isolated from these competitions. Any business wishing to survive and stay profitable in the recent world must be able to compete in the global economy. Hence, for any bank to sustain itself and remain profitable it must be able to withstand the competition in the environment it operates. To be able to compete in the banking industry means delivering better services to customers than competitors. This study presents how the South African banks can satisfy their customers and remain profitable in the face of competition. The South African banking industry consists of local and foreign banks and these banks compete for customers in the environment in which they are located. Increase in different branches by different banks has made the competition even fierce. In other to suggest recommendations for the South African banks to satisfy their customers and become profitable, the researcher identified some problem areas that need to be improved upon. These include customer loyalty, relationship banking and electronic banking. These variables were researched to understand how they affect the banks and the customers and where tested using both a qualitative and a quantitative analysis to ascertain if the customers were satisfied with the banks‟ approach of managing these variables. The results indicated that the customers were satisfied to a lesser extent. Any bank wishing to satisfy its customers and remain profitable in other to compete in the industry needs to satisfy the customer to a large extent. Therefore, recommendations where suggested based on the empirical results to help improve the banking industry‟s ways of attracting and retaining customers. The former will lead to customer satisfaction which again will lead to increased profitability.
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Asimenu, Ernest. "FDI location characteristics of MNEs location decisions in the Ghanaian banking sector." Thesis, Brunel University, 2013. http://bura.brunel.ac.uk/handle/2438/13046.
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Foreign Direct Investment (FDI) is a significant source of capital for economic growth in developing countries. The increasing financial links across countries, especially between industrial and developing countries have been associated with the liberalization of international financial markets. Moreover, globalization in production, due to technological innovations in communications and transport coupled with better policies in developing countries, are often considered to be the primary forces that drove globalization and foreign direct investment in the 1990s and recent times. The literature on FDI can be categorised into three main groups: the first group investigates the effect of FDI on macroeconomic indicators, such as economic growth, exchange rate, rate of inflation, balance of payments, and rate of unemployment. The second group examines the impact of FDI on different factors such as technology transfer to recipient countries, management practices by national firms, and labour skill and productivities in hosting countries. The third group focuses on the characteristics of FDI and the driving forces for its inflows and outflows to different countries. This research focuses on the latter strand thereby enabling an investigation of the location characteristics of MNEs location decision in the banking sector. The main aim of this thesis is to examine and analyse FDI location characteristics in the Ghanaian banking sector. This has been achieved by making use of both qualitative and quantitative data series’ to ascertain whether the major location factors are the characteristics/determinants of MNEs location decision in relation to a specific industry (banking) and a specific country (Ghana). Using a multimethod approach, the findings of this thesis reveal that political and legal factors are very significant, followed by macroeconomic policy factors and infrastructure factors. Market factors and labour market factors which have been found in previous studies (Lall 2001; Asiedu; 2003; Dunning 2004; Helpman; 2006 and Felbermayr et al. 2011) to be important determinants of FDI inflows have been found in this thesis to be the least important factors for MNEs’ location decision in relation to FDI inflows to Ghana.
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Poroye, Adeola Oluwaseyi. "Secure contactless mobile financial services with near field communication." Thesis, University of the Western Cape, 2011. http://etd.uwc.ac.za/index.php?module=etd&action=viewtitle&id=gen8Srv25Nme4_3849_1320751857.
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Dubru, Rebecca. "Critical competencies of leaders in the digital transformation of banking in South Africa." Diss., University of Pretoria, 2017. http://hdl.handle.net/2263/64841.
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Leaders in the banking sector are facing an array of bewildering new digital challenges and opportunities, yet despite the many frameworks that exist on leadership competencies, they are still in search of the critical competencies required for leading digital transformation. The purpose of this research is to report data showing competencies that are effective for leading digital transformation in the banking sector.
The research approach took the form of a qualitative, exploratory research design, which involved 15 face-to-face, semi-structured, in-depth interviews with banking leaders such as CEOs, CIOs, Managing Executives, Heads of Departments and Digital Consultants.
The literature on traditional leadership competency models indicated three critical skills that enable effective leadership, namely business, cognitive and influencing skills. The study confirmed that all three skills are key and equally important in leading digital transformation. However, an effective leader must integrate and adapt these competencies in each context. Furthermore, four additional competencies that are critical for leading digital transformation emerged through the study, i.e. an entrepreneurial mindset, experiential learning, futuristic thinking and integrator competencies. These are represented in the Digital Leadership Competencies Model. The findings from this study contribute to the extant literature in the field of leadership.Mini Dissertation (MBA)--University of Pretoria, 2017.
pa2018
Gordon Institute of Business Science (GIBS)
MBA
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Maphakela, Madidimalo Rabbie. "A model for legal compliance in the South African banking sector : an information security perspective." Thesis, Nelson Mandela Metropolitan University, 2008. http://hdl.handle.net/10948/725.
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In the past, many organisations used to keep their information on paper, which resulted in the loss of important information. In today’s knowledge era the information super-highway facilitates highly connected electronic environments where business applications can communicate on an intra- as well as inter-organizational level. As business expanded more into the cyber-world, so did the need to protect the information they have. Technology advances did not only bring benefits, it also increased the vulnerability of companies’ information. Information, the lifeblood of an organization, must be protected from threats such as hackers and fraud, amongst others. In the highly regulated financial sector, the protection of information is not only a best practice, but a legal obligation carrying penalties for non-compliance. From a positive aspect, organisations can identify security controls that can help them to secure their information, with the aid of legal sources. But organisations find themselves burdened by a burgeoning number of legal sources and requirements, which require vast resources and often become unmanageable. This research focuses on finding a solution for South African banks to comply with multiple legal sources, as seen from an information security perspective.
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De, Lange Michael Coenraad. "A strategic analysis of Capitec Bank Limited within the South African banking industry." Thesis, Nelson Mandela Metropolitan University, 2013. http://hdl.handle.net/10948/d1019932.
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The South African banking industry is well regulated and oligopolistic by nature. The financial sector in South Africa is of a world class standard, comparing favourably to that of developed countries i.e. United States of America and Great Britian, and developing economies such as the BRIC (Brazil, Russia, India and China) countries. The South African financial sector possesses the critical elements to exhibit good growth and sustainable profitabiblity. Capitec Bank Limited revolutionised the banking industry by providing a simplified and cost effective banking solution targeting the masses i.e. the "unbanked" population of South Africa. The company pursued a disruptive innovation strategy by targeting the lower income earning segment of the market i.e. individuals who are employed but do not have bank account. Capite's strategic approach and business model were designed around innovation and technology, exploiting a previously untapped market that no other competitor targeted. This approach has resulted in the bank's phenomenal growth over the past decade and most notably has seen Capitec's return on equity (ROE) increase from 12 percent to 26 percent and advances to costomers increase from R116 million to 16 billion. This has set precedent which the big four banks, namely ABSA, First National Bank, Standard Bank and Nedbank, could not match. Contributing to Capitec's success and the basis on which its business model is built are four pillars: accessibilty, simplicity, affordability and personalised service. These pillars have created a compatitive advantage resulting in the bid four banks playing catch up. A strategic analysis of Capitec bank was conducted in order to assess the feasibility of expansion by the bank into Africa. The conclusion of the study indicated that it was indeed a viable option for Capitec to expand its footprint across borders into Africa through mergers with banks exhibiting a similar business model, for example Equity Bank based in Kenya.
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Masocha, Reginald. "Technologicalship in e-banking services: a constraint or contributor to relationship marketing in retail banking in East London, Eastern Cape, South Africa." Thesis, University of Fort Hare, 2009. http://hdl.handle.net/10353/306.
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Contemporarily, one of the major business demands is to extensively understand the impact of technology on the major business strategies and practices. Technologicalship marketing, a concept investigated in this study, emanates from a symbiosis of technology and relationship marketing. Per se, a prevalent area of debate pertains to whether technology promotes or constrains relationships. Outstandingly, this study pursued the technologicalship marketing concept, a new and vital 21st century suggestion in literature (Zineldin, 2000:16). Secondly, against the scarcity of empirical studies in mass marketing environments, the study at hand focused on retail banking client relationships. Lastly, the proposed meta-construct hypothetical model is an essential relationship marketing instrument. The proposed model consists of four major relationship marketing construct categories, namely, personal contact, customer retention, customer switching and relational exchange. At the hand of these constructs, the research primarily aimed to determine the impact of technology on client relationships in e-banking with the focus of closing the gap prevalent in literature on whether technology constraints or supports relationship marketing. The study focused on retail banking client relationships of the four major commercial banks in East London, Eastern Cape, South Africa. A survey was conducted of a sample of 200 clients selected using the convenience sampling method. The study hypothesised that technology is resulting in more transactional than relationship marketing in retail banking by constraining social constructions, customer retention and relational exchange, whilst, promoting customer switching mobility. Through the GLM regression analysis method, findings of the study established that technology was to a larger extent supporting relationship marketing. However, it is envisaged that technology is resulting in the disappearance of human contact which is a critical aspect of relationships. Conclusively, the researcher recommended that the only plausible strategy is to endeavour to integrate the human aspect at self-service podiums e.g. mounting of staff at ATM points, which most banks have been doing.
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Peacock, Brenda Thandiwe. "Strategies to improve the representation of black women in senior levels within the South African banking industry." Thesis, Nelson Mandela Metropolitan University, 2017. http://hdl.handle.net/10948/19695.
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The main purpose of this qualitative research study was to investigate strategies to improve the representation of black females in senior levels within the South African banking industry. This was done through investigating the challenges that black women face in their career advancement within the banking industry and the strategies which currently exist and can be implemented to improve this representation. In as much as the research is aimed at seeking strategies to improve black women representation in senior positions, it also seeks to understand the barriers experienced by black women in different levels within the industry as these levels serve as a pipeline for senior management. This problem was addressed through answering the research objectives. The research objectives were achieved through conducting a literature review to explore the existing research topic and conducting an empirical study. Empirical evidence was obtained through conducting semi-structured interviews with seven black women who are currently working in the banking sector. Semi-structured interviews were used due to the target population being specific to black women as well as the need to acquire in-depth knowledge from black women of their experiences in climbing the corporate ladder in the sector. The key findings of the research found that the participant’s perception was that black women were at the bottom, that black women were displaying behaviours that were inhibiting their progress to senior positions. The study also found that black women struggled to advance to senior positions due to different challenges that they encountered. The study is finalised by the participants providing recommendations in terms of how the representation of black women could be improved.
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Palmer, Lydia. "An evaluation of "on-line" banking web sites in South Africa to determine essential design criteria." Thesis, Rhodes University, 2004. http://hdl.handle.net/10962/d1007667.
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The use of the Web to carry out business on the Internet has become a viable option in all business sectors, and Internet banking in South Africa is no exception. The nature of business on the Internet in South Africa and the World is investigated. The extent of Internet banking in South Africa is ascertained and the expectations and perceived problems of online bankers are discussed. The importance of Human Computer Interface and Web Interface Design for successful business is promoted with a discussion of their guidelines and principles. Web Evaluation techniques and Tools are assessed and The "Gartner" Web evaluation tool is selected to evaluate the three bank Web sites. The results of the evaluation indicate that there are several generally well implemented design criteria used by all of the banks while some criteria are not implemented at all. Each bank is discussed individually to identify strong and weak features of their Web site design. Essential aspects of Web design have been proposed for inclusion during the design of "online" Banking Web sites.
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Albertyn, Liezel. "Glass ceiling : illusion or reality : an investigation into the banking sector of South Africa." Thesis, Stellenbosch : Stellenbosch University, 2003. http://hdl.handle.net/10019.1/53442.
Full textAbstract:
Thesis (MBA)--Stellenbosch University, 2003.ENGLISH ABSTRACT: This study was carried out in an effort to determine whether the phenomenon of the socalled 'glass-ceiling effect' is prevalent in the South African banking industry. The major questions asked were whether there are still barriers preventing women from reaching executive management levels in the banking industry and what the main barriers facing these women are. The research method used was that of content analysis. The purpose of the research was to discover the first-hand experiences of the women in the banking industry in South Africa. The aim of the study was not to test hypothesis testing, but an analysis of the experiences of a sample of women in senior management positions within the banking industry. A questionnaire was distributed to six women in senior management positions at four of South Africa's largest banking groups. With the assistance of each banking group's human resources manager, an 83% response rate was achieved. In total, 20 completed questionnaires were received, which served as the sample for this study. Implications of the findings are discussed and the study concludes that although transformation in the country has raised awareness, there is nevertheless gender inequality in companies and progress towards change in the banking sector has been very slow. Career-oriented support structures are being offered to women, but for women with family responsibilities there are very limited, if any, family-support structures. The sample of women identified self-confidence; assertiveness, ambition and a careeroriented mindset as important characteristics for achieving success at managerial level in the banking industry. These women are equipping themselves with the right skills, degrees, and courses and are gaining experience every day, thus making themselves viable candidates for breaking the glass ceiling. Being a woman is not a barrier in itself as it was in years gone by and legislation now provides for the equal treatment of all races and gender. The current culture in the South African banking sector, which is a historic legacy of domination by men and discrimination in the past, seems to be a rnalor barrier. Currently, the focus on achieving racial equity overshadows the importance of attaining gender equity, mainly because of the government's strict requirements of companies in this regard. Taking into consideration the history of South Africa, the majority of the women included in the sample feel it is appropriate for the attainment of racial equity to be addressed first. Most of the women in this sample have considered starting up their own business as an alternative to corporate life, but feel that either their self-confidence or financial requirements present them with major barriers.
AFRIKAANSE OPSOMMING: Hierdie studie is onderneem om vas te stel of die sogenaamde glasplafon-verskynsel in die Suid-Afrikaanse banksektor voorkom. Die oorhoofse vrae wat gestel was, was of daar steeds hindernisse bestaan en wat hierdie oorhoofse hindernisse is wat vroue verhoed om uitvoerende bestuursvlakke in die banksektor te bereik. Die inhoudsontledingsmetode is as navorsingsmetode gebruik. Die doel van die navorsing was om eerstehands die ervarings van vroue in die banksektor te ontdek. Die studie het nie 'n hipotese probeer toets nie, maar eerder die ervarings van 'n uitgesoekte groep vroue ontleed. 'n Vraelys is aan ses vroue in senior bestuursposte by vier van Suid-Afrika se grootste bankgroepe versprei. Met behulp van die Menslike Hulpbron-bestuurder by elk van die banke, is 83% van die vraelyste terugontvang. Altesame 20 vraelyste is volledig ingevul en in die studie gebruik. Die implikasies van die bevindinge word bespreek. Die gevolgtrekking is dat transformasie in Suid-Afrika beslis die bewustheid aangewakker het dat geslagsdiskriminasie in maatskappye bestaan, en dat verandering in die banksektor stadig verloop. Maatskappye verskaf loopbaangeoriënteerde ondersteuningstrukture aan vroue, maar vir vroue met gesinsverantwoordelikhede is daar min of geen ondersteuning nie. Die groep vroue identifiseer selfvertroue, stelligheid, ambisie en 'n loopbaangeoriënteerde uitkyk as belangrike eienskappe vir sukses in senior bestuursposte in die bankwese. Hierdie vroue rus hulself toe met die regte vaardighede, grade en kursusse en verwerf elke dag ondervinding om sodoende hulself lewensvatbare kandidate te maak om deur die sogenaamde glasplafon te breek. Om vroulik te wees is nie vandag meer 'n hindernis soos voorheen nie. Wetgewing bepaal die gelyke behandeling van alle rasse- en geslagsgroepe. Die kultuur wat in die banksektor in Suid-Afrika geskep is weens die histories mansgedomineerde en diskriminerende geskiedenis word wel as 'n hindernis beskou. Huidiglik oorskadu rassegelykheid geslagsgelykheid, hoofsaaklik omdat die regering sulke streng vereistes aan maatskappye stel met betrekking tot rassegelykheid. Die meerderheid van die groep vroue voel dat as die geskiedenis van Suid-Afrika in ag geneem word, dit gepas is dat rassegelykheid voorkeur geniet. Die meerderheid van die vroue in die groep het dit al oorweeg om hul eie besigheid te begin as "n alterntief vir die korporatiewe lewe. Hulle voel egter dat die gebrek aan selfvertroue en geld hulle verhoed om dit te doen.
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Koneti, Boniswa. "Determining factors influencing sales growth in business banking in Buffalo City municipality, South Africa." Thesis, Nelson Mandela Metropolitan University, 2014. http://hdl.handle.net/10948/10993.
Full textAbstract:
The increase in number of banks entering the South African banking sector has caused the big four banks to lose their market share to the new entrants. As a result, the new entrants in this sector have also had negative effects on the existing banks’ sales growth and net profits. Business banking, in particular, has been one of the departments which has become competitive as it is considered to generate the most revenue from all the different bank departments. Business clients have been targeted as their fees are high compared to normal individual clients and also, their investment sizes are big compared to individuals, hence the increased interest in this section. This then prompts the question, what are the factors influencing sales growth in business banking? This question then brings one to the following sub-problems: Is the pricing offered by the various banks to their business bank customers competitive enough to retain them?; How competent and knowledgeable is the staff dealing with business bank customers in ensuring good relationships with business banking clients?; is the technology used by the banks advanced enough to address the banking requirements of business banking customers? Are business banking customers loyal to their respective banks to ensure repetitive sales? In dealing with the above, the author undertook a research study to determine whether factors such as competitive pricing, competent staff, advanced technology and customer loyalty influence sales growth in business banking in Buffalo City Municipality “BCM”. The sample of 90 business banking customers who were given questionnaires to test the above were from a population of business banking customers in BCM. The author underwent a theoretical and an empirical investigation using the survey method through questionnaires. These questionnaires were distributed to the various financing institutions dealing with business banking clients. The findings of the empirical study suggest that through the use of the hypothesis test, it was concluded that of the four factors, advanced technology and customer loyalty influence sales growth in business banking in BCM. While pricing and competent staff do not influence sales revenue growth.
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Issa, Samah A. "Banking in the Middle East and North Africa : market conditions, soundness, contagion and convergence." Thesis, University of Essex, 2013. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.635984.
Full textAbstract:
This thesis consists of three substantive essays on the financial and banking sectors in the Middle East and North Africa (MENA) region, each constituting a separate chapter. The first essay (Chapter 2) investigates the relationship between banking market concentration and competition levels and the soundness of Islamic and conventional banks operating in MENA. The study employs a dataset of 152 banks across 10 MENA countries (40 Islamic and 112 conventional) over 2004-2009. We find that MENA's banking concentration and competition levels are negatively related to banks' soundness. Our evidence also shows that Islamic banks are less sound than their conventional counterparts, and that the Islamic nature of banks results in higher return on assets, capitalisation and volatility of profits. However no significant differences in competiveness between the two segments were observed.
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Terblanché, Janet René. "Legal risk and compliance risk in the banking industry in South Africa / J.R. Terblanché." Thesis, North-West University, 2013. http://hdl.handle.net/10394/9705.
Full textAbstract:
The Basel Committee on Banking Supervision has defined operational risk, legal risk and compliance risk. However, the definitions might not be adequate for countries with a hybrid legal system, such as South Africa. This study aims to provide a practical solution to the problems faced by countries with a hybrid legal system wishing to comply with the Basel Committee’s standards. It is argued that compliance, compliance risk and regulatory risk should all be viewed as constituent components of legal risk, and in turn necessarily also of operational risk in a hybrid legal system. Legal risk is a wide concept which includes all aspects of a legal system, while compliance risk is a narrower concept which only includes the codified aspects of a legal system. Legal risk therefore includes compliance risk. However, the opposite is not true as compliance risk does not include legal risk, and the two concepts are decidedly shown not to be synonymous in a mixed legal system.Thesis (PhD (Law))--North-West University, Potchefstroom Campus, 2013.
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Ncube, Justice. "The Impact Of Mobile Banking Customer Experience On Loyalty Among Millennials In South Africa." Master's thesis, Faculty of Commerce, 2021. http://hdl.handle.net/11427/32933.
Full textAbstract:
The modern environment of pervasive interconnectedness via mobile devices and services makes it important to understand the nature of customer-bank interactions and relationships. Businesses that offer mobile banking are trying to provide their customers with improved customer service and experiences. The objective of this study is to examine how customer experience of mobile banking influences loyalty towards the bank. This study focuses on the millennials in South Africa. Banks need to remain competitive in the ever-changing business environment. Millennials are one of the largest customer segments with a large digital and mobile appetite; as a result, they form a natural target for banks. To increase their customer base, banks need to ensure that their customer experience strategy caters for these young customers in accordance with their expectations. However, customer experience within mobile banking is under researched. Previous studies in this research area have focused on customer experience in traditional banking context. This study tries to fill the gap by exploring the factors that influence customer experience in mobile banking and also understand how this experience influences customer loyalty to their bank. Considering this, a broad literature review was done that revealed the factors that influence mobile customer experience. Based on literature a conceptual model was developed and this model was used a framework for investigating the research problem. This study used a mixed methods strategy and collected data from 344 mobile banking users via an online survey questionnaire and further, 10 semi-structured interviews were also conducted. The research hypotheses were tested through regression analysis and this resulted in 4 out of 8 research hypotheses being supported. Thematic analysis was used for both the open-ended questions in the survey and the 10 interviews. The results showed that convenience, ease of use and customization are the most significant factors that influence customer experience in mobile banking, whereas the customer experience was in turn found to have a significant influence on customer loyalty. Through conducting this research on millennials in South Africa, this study has expanded the knowledge of mobile banking research in the country. A valuable contribution was made by this study, as this study gave better insight into the factors that significantly influence the customer's experience of millennials in mobile banking. This study recommends that, it is important that banks as well as other firms that offer mobile banking offer a mobile app that is convenient and lets customers to perform their activities in a flexible way in their own time, easily and in a customizable manner. Therefore, should banks implement this study's recommendations it will be beneficial for them as this will result in increased loyalty of their millennial mobile banking customers.
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Msweli, Nkosikhona Theoren. "FACTORS INFLUENCING THE ADOPTION OF MOBILE BANKING TECHNOLOGY BY THE ELDERLY IN SOUTH AFRICA." Diss., University of Pretoria, 2020. http://hdl.handle.net/2263/75466.
Full textAbstract:
Emerging technologies and innovations have provided smart solutions for conducting business and enhancing the livelihood of individuals, particularly those in developing countries. A high penetration of smartphones and technological advancements have afforded banking consumers an opportunity to transact on mobile electronic banking platforms using mobile devices such as smartphones. This method of banking has been perceived as convenient and cost-effective in the market, providing consumers with full access to their bank account profiles and the ability to manage it from anywhere, and at any time. Mobile banking services have been highly adopted by young people. The adoption rate among the elderly is reported to be low compared to other age groups. Scholars indicate that this research area has been overlooked, thus it is a challenge to understand what enables or hinders the elderly from adopting and using mobile banking. Therefore, this study aims to identify the factors that influence the adoption of mobile banking by the elderly in the South African context. The findings of this study may help banking institutions to provide mobile banking applications that are designed in alignment with the needs of the elderly and improve adoption by the ageing population that is reportedly growing.
The purpose of the study is to identify the enablers and barriers that influence the adoption of mobile banking among the elderly in developing countries; understand the perceptions of the elderly towards mobile banking and propose guiding principles to be considered by mobile banking providers. The study followed an interpretive approach. Qualitative data was collected using interviews (focus groups and individual interviews), and a systematic literature review was conducted. The Actor-Network Theory was adopted as a lens to interpret the data and understand the adoption of mobile banking by the elderly. The findings of this exploratory study were aligned with previous studies that reported low adoption of mobile banking technology by the elderly. The results indicate that a lack of information and understanding, security, trust, demographic factors, language, the complexity of mobile banking applications, and resistance to change are barriers that influence adoption. Convenience, unlimited access and cost-effectiveness were identified as important enablers that favour the adoption of mobile banking. The study sheds light on the elderly community’s perceptions and willingness to use mobile banking.
The study contributes to the existing body of knowledge by identifying the factors that influence the adoption of mobile banking by the elderly, particularly in a developing country context. This study further highlights the application of the Actor-Network Theory as a theoretical framework for examining the interplay and complex relationship between the elderly and mobile banking. The study proposes a model for understanding the adoption of mobile banking by the elderly coupled with guiding principles for consideration by banking institutions and mobile banking providers. The study collected data from South African elderly citizens (aged 60 and above) residing in KwaZulu Natal province. Future studies may extend the research through collecting additional data from other provinces across urban and rural settings. This study was conducted in a cross-sectional nature and future studies can look at conducting a longitudinal research project. Additionally, this study only solicited the perceptions of the elderly, the research may be expanded by collecting data from other actors such as banking institutions and mobile banking providers.Dissertation (MIT)--University of Pretoria, 2020.
CSIR
Informatics
MIT
Unrestricted
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Johnson, Zogerah. "Investigating the existence of the queen bee syndrome within the banking industry of South Africa." Thesis, Stellenbosch : University of Stellenbosch, 2010. http://hdl.handle.net/10019.1/8475.
Full textAbstract:
Thesis (MBA)--University of Stellenbosch, 2010.Although several women's leadership studies globally have identified a number of issues that women grapple with in their upward mobility in building a career, including gender differences as these relates to styles of leadership, and the behaviour of senior women toward other women in organisations, there has however not been a South African study documenting the existence of the Queen Bee syndrome within Multi-National Corporates, as a barrier to professional women's career growth. The "queen bee syndrome" is a term that has been used to describe women managers who find themselves within a predominantly male environment and have alienated other women by their behaviour, and are therefore perceived to be a barrier to the advancement of other women coming through the ranks. These women fail to assist other women in their aspirations to advance and do not work towards the advancement and empowerment of other women within the corporate sector. The queen bees are normally very protective of their powerbase and attempt to surround themselves with men. They do not believe in female solidarity behaviour and do not actively seek to mentor or coach other women. The aim of the present study is to investigate the existence of the queen bee syndrome in South African retail banks. The following aspects, as they relate to the queen bee syndrome, are examined: • The establishment of the existence of the queen bee syndrome. • The reason for the existence of queen bees. • The possible implication of the existence of queen bee behaviour for the organisations. A total of 25 women in executive and senior management positions, from South Africa's 5 retail banks, were interviewed for the present study. These women were asked to relate their unique personal experiences and perceptions of queen bee behaviour. The method of Content analysis was used to analyse the responses received through the interviews. The findings of the present study clearly indicated that women still face barriers to advancement within corporate organisations, and that organisations need to make adjustments to their internal cultures, structure and strategy to accommodate the growing workforce of females who are rapidly joining the management ranks. The blame for women's lack of progress into senior positions cannot be generally attributed to males only, as women also need to work at growing, developing, educating and empowering themselves in order to facilitate their own advancement, besides helping, supporting and guiding other women in their career progressions. The present study also found that senior women managers and women executives work actively towards being coaches and mentors to women coming through the ranks and assist them in their development towards management roles. The present study's findings indicated that senior women executives and managers currently support women development agendas within their organisations, and also that the presence of the queen bees did not serve as a stumbling block to the advancement of the sample of women who took part in this study. The study was limited to 5 retail banks of South Africa only. Future studies can investigate other sectors and work at providing tools that will assist women in combating the behaviour of the queen bee. It might also be useful to determine whether women are more supportive or less supportive of other women, and women's issues and programs.
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Davies, Gareth M. "An empirical study of client satisfaction with service recovery within a South African banking institution." Thesis, Rhodes University, 2004. http://hdl.handle.net/10962/d1003845.
Full textAbstract:
In many industries, service is the critical determinant of success or failure. Service failure is almost inevitable, and this has the potential for the organisation to lose its customer. However, if implemented successfully, Service Recovery can rectify the breakdown in service, and turn angry, frustrated customers into loyal ones. Service Recovery is vital for profitability, especially for companies operating in the services market, like First National Bank (FNB). Unfortunately, few service firms know how satisfied customers are with their Service Recovery efforts, and FNB is no exception. This study attempted to rectify the situation, to ensure that the bank does not fail its customers a second time. The major focus of the study is to assess client satisfaction with Service Recovery (SR) from FNB. By using the RECOVSAT instrument (developed by Boshoff in 1999), the study aims to establish how effective FNB was in terms of the six dimensions of SR, namely communication, empowerment, feedback, atonement, explanation, and tangibles. The relationship between each of the dimensions and customer satisfaction, as well as between customer satisfaction and loyalty, was measured, and a hypothesis for each relationship rejected or accepted. The empirical results show that, from 702 complainants, a RECOVSAT score of 68% was computed, which could be regarded as only satisfactory. The dimensions of communication, explanation, atonement, and empowerment, had the strongest positive correlation with customer satisfaction, while feedback and tangibles, although positively correlated, were not statistically significant, and thus not as important as the first four dimensions. FNB performed best on tangibles (81%), then communication (75%), explanation (70%), atonement (68%), empowerment (62%), and lastly feedback (51%). The study reinforced the view that customer satisfaction is positively related to loyalty. Other findings were that, administration and errors were the most frequent complaints, followed by pricing, fees, and interest, while time delays/waiting were the third most numerous. Over 54% of complainants had been with the bank for over 10 years, which could be a problem if the customers had left the bank, as the profitability of a customer generally increases with time. Age and gender did not appear to be factors that influenced behaviour of complainants. In terms of the managerial implications, it is recommended that FNB implement a Customer-Complaint-Handling (CCH) system that is both national and inter-group. The bank should also focus on empowering employees, improving communication skills, explaining to customers why the problem occurred, apologising, and offering some atonement. By adopting the recommendations, FNB should improve their service recovery, and as a consequence, their customer satisfaction and loyalty, and profitability should also increase.
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Dallimore, Anthea. "Banking on the poor : savings, poverty and access to financial services in rural South Africa." Thesis, London School of Economics and Political Science (University of London), 2013. http://etheses.lse.ac.uk/685/.
Full textAbstract:
Microfinance has gained prominence as a policy option for addressing poverty. Although microfinance has a long history, its growing appeal is usually associated with the attention given to the Grameen Bank of Bangladesh, which pioneered group-based lending to poor women. Following the ‘successes of Grameen and the promotion of ‘cloned’ institutions, advocacy for microfinance has focussed primarily on microcredit. Consequently, microfinance as savings, insurance, and other forms of financial intermediation received far less attention. It was believed that microcredit was a more reliable and faster means to achieve poverty reduction, especially through supporting the entrepreneurialism of the poor. Microcredit then became a mantra of the microfinance sector, increasingly identified as its ‘raison d’être’ and the justification for the investment of billions for dollars. This thesis focuses on the relationship between microfinance and poverty. It puts savings at the centre of the research through an analysis of a savings-led financial services co-operative known as the ‘Village Banks’ in South Africa. The research considers the asserted link between microfinance and poverty from both a theoretical and empirical interrogation. It questions the limited engagement that the microfinance literature has had with the various theories on poverty and attempts to formulate a more nuanced understanding of relations between the two. The empirical contribution is a mixed method of qualitative analysis, in the form of focus groups held in four different Village Bank communities, and quantitative analysis from an original panel of households in one community. The thesis argues that a savings-led model of microfinance has the ability to contribute to the challenges of poverty reduction more than is currently acknowledged. It will also argue that, when provided with the necessary support, member-owned financial institutions, such as the Village Banks, offer a potential solution to addressing the inherent challenges of providing low-cost banking services in rural areas.
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Schwenke, Freddie. "Access channels for mobile banking applications : a comparative study based on characteristics." Thesis, Cape Peninsula University of Technology, 2009. http://hdl.handle.net/20.500.11838/1383.
Full textAbstract:
Thesis (MTech (Information Technology))--Cape Peninsula University of Technology, 2009The objective of this research project was to provide an answer to the question: 'Which access channel is the most appropriate for mobile applications?' This question is posed by providers of mobile banking services and providers of mobile banking applications alike.
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Buksh, Zahied. "Can Islamic banking work in South Africa?" Diss., 2007. http://hdl.handle.net/2263/23616.
Full textAbstract:
In little more than a decade, Islamic banking has grown into a $300 billion a year industry worldwide and is now finding its way to South Africa hence providing a wealth of opportunities to new and existing players in the South African banking industry. One of the key factors differentiating Islamic financial institutions is the need to demonstrate compliance with Shariah in all their activities. There is a lack of consensus in the industry as to whether certain transactions or activities are compliant, which can cause confusion among practitioners and customers as well as restricting the concept of Islamic finance from wider acceptance and recognition.Therefore, the purpose of this study is to test whether Islamic Banking can work in the South African market. Qualitative research was conducted to determine the South African banking environment, customer sceptism, controversies and challenges faced with regard to this growing industry. Content analysis of 16 depth interviews with banking representatives, South African Reserve Bank representative, Islamic scholars and Muslim customers revealed interesting insights that guided the research to possible outcomes. Together with presenting a model that Islamic banking can use, a number of strategic implications and limitations are discussed, and directions for future research are also addressed.Dissertation (MBA)--University of Pretoria, 2010.
Gordon Institute of Business Science (GIBS)
unrestricted
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Rathogwa, Belinda. "SME adoption of digital banking in South Africa." Thesis, 2018. https://hdl.handle.net/10539/26088.
Full textAbstract:
A research report submitted to the Faculty of Commerce, Law and Management, University of the Witwatersrand, in partial fulfillment of the requirements for the degree of Master of Management specialising in Entrepreneurship and New Venture Creation
Johannesburg,
February 2018Small and medium enterprises (SMEs) are an important customer base for banks as they offer great opportunity for growth in revenues and profit. Banks are focused on improving relationships and retaining their SME customers in defence against increasing competition. To this end, banks are investing in their digital banking channels with the objective of improving service quality to their SME customers, whilst lowering the cost of servicing those customers. It is not clear whether banks’ investment in digital banking channels is contributing to their objective of increasing customer satisfaction and retention. It is also not clear if SMEs derive the benefit of improved performance when they adopt digital banking. The purpose of this study was to establish the effect of digital banking adoption on the SME-bank relationship by evaluating its influence on customer satisfaction, loyalty and SME performance. Empirical data was collected in the form of an online survey which was administered to SME owner-managers who have gone through an incubation programme or have access to social media platforms for business purposes. Evidence suggests that banks are continuing to make significant investments in their digital channels. However, this does not necessarily result in more loyal or satisfied SME customers. Furthermore, SME performance does not improve as a result of adopting digital banking. Consequently, no evidence was found to show that digital banking adoption makes a significant contribution towards the maintenance of a long-term symbiotic relationship between SMEs and their banks. This study has corporate entrepreneurship implications for the banks as the findings will inform their innovation efforts and contribute to improving their service offerings to their SME customers.
MT 2018
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Kholvadia, Faatima. "Islamic banking in South Africa - form over substance." Thesis, 2016. http://hdl.handle.net/10539/22219.
Full textAbstract:
A research report submitted
In partial fulfilment of the requirements for the degree of
Master of Commerce
University of the WitwatersrandThe purpose of this study is to analyse the operational economics of Islamic banking transactions in South Africa and to understand how the economics of these transactions lead to the IFRS accounting. The study also aims to highlight the similarities and differences of accounting for these transactions using IFRS, across the different South African banks. The transactions analysed are deposit products of qard and mudaraba and financing products of murabaha, ijarah and diminishing musharaka. The study was conducted through interviews with representatives from each of the four South African banks which offer Islamic banking products. Interviews were semi-structured and allowed for interviewees to voice their perspectives increasing the validity of the interviews. The study found that the specific Shariah requirements of Islamic banking transactions are considered and included in the structure of the contracts by all four banks offering Islamic banking products. However, the economic reality of these transactions closely resembles conventional banking transactions. The study also found that all four banks account for Islamic banking transactions using IFRS but the accounting does not match the Shariah requirements of each transaction, creating a cognitive dissonance between the accounting and the contractual form of the transactions. This study is the first of its kind in South Africa. The study adds to the IASB Consultative Group discussion on accounting for Islamic banking transactions under IFRS. Key words: Conceptual Framework, diminishing musharaka, IFRS, ijarah, Islamic banking, mudaraba, murabaha, qard
MT2017
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"Graduate unemployment in South Africa’s banking sector." Thesis, 2014. http://hdl.handle.net/10210/11215.
Full textAbstract:
M. Com. (Development Economics)In recent years unemployment has received considerable international attention from scholars, policy makers, and labour practitioners, because it has reduced economic welfare, reduced output, and eroded human capital. Researchers argue that South Africa is faced with structural unemployment because of the insufficient demand for low-skilled resources and the sufficient demand for highly skilled resources. However, in terms of highly skilled resources, young South Africans have become better educated over the last decade, resulting in a significant growth in the size of the graduate labour force. This growth emanates particularly from the fact that the majority of the graduate labour force has completed their tertiary education. Despite this growth, graduate unemployment appears to be rising along with the overall unemployment rate. The aim of this study is to sensitise policy authorities to the impact of graduate unemployment on the economy by highlighting the perceived causes of graduate unemployment in South Africa’s banking sector. The research was conducted with the aid of a survey administered to two groups, namely a graduate group and a human resource (HR) manager group. The result derived from the research shows that the quality of tertiary institutions which relates to educational standards and culture, the quality of education, high expectations, a shortage of skills, a lack of work experience, and a lengthy process of application and job search are perceived to be the possible causes of graduate unemployment in South Africa. The study makes several tentative recommendations relating to what can possibly be done to reduce graduate unemployment. Among the recommendations proposed are the improvement of the quality of education and institutions, a well-planned career guidance mechanism, and a graduate recruitment subsidy.
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Venkatraman, Kubashnee. "Regional economic integration in Sub-Saharan Africa: adaptability and responsiveness of South African banking regulations to Sub-Saharan Africa." Diss., 2014. http://hdl.handle.net/2263/45043.
Full textAbstract:
Shockwaves from the 2007–2010 financial crises caused a huge economic downturn and impacted countries and market centres globally. This blemished the reputation of the banks with many blaming the global financial crisis on reckless banking and lending practices. As a result, there was an increased focus on regulatory reform. The Sub-Saharan Africa regional integration is aimed at strengthening the effectiveness and credibility of economic policies, economic performance and trade improvement. Africa embarked on global integration of economic and financial systems to reduce poverty and sustain economic growth.
This research examines the adaptability and responsiveness of South African banking regulations in Sub-Saharan Africa in relation to regional economic integration. An improved understanding of this relationship provides key principles and a greater understanding for regulatory bodies and banks to enhance their management of regulatory change in emerging markets. Unstructured interviews were held in this research with banks and financial and regulatory authority members in South Africa and Sub-Saharan Africa.
The research results were inconclusive in terms of the adaptability and responsiveness of South African banking to the rest of Sub-Saharan Africa. Bank challenges were identified in terms of regulatory development, implementation and regional integration. The lack of empirical data indicated the need for quantitative research and understanding integrational factors that could be used to measure the rate of integration and adaptability. New categories were identified which need further research to gain a comprehensive understanding on the adaptability and responsiveness of South African banking to the rest of Sub-Saharan Africa.Dissertation (MBA)--University of Pretoria, 2014.
lmgibs2015
Gordon Institute of Business Science (GIBS)
Unrestricted
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Botes, Christo. "Utilising advanced accounting software to trace the reintegration of proceeds of crime, from underground banking into the formal banking system." Diss., 2008. http://hdl.handle.net/10500/791.
Full textAbstract:
The aim of this paper is to research how advanced accounting software can be used by police detectives, financial risk specialists and forensic investigation specialists, who are responsible for the investigation and tracing of the reintegration of proceeds of crime, from underground banking into formal banking system (pro active and reactive money laundering investigation) with a view on criminal prosecution.
The research started of by looking at the basic ways how proceeds of crime are smuggled before it is integrated into the formal banking system. In that context, the phenomenon of Underground banking was researched. Currency smuggling, Hawala currency transfer schemes and the way in which it is used to move proceeds of crime were discussed in detail. Thereafter Formal banking and the way in which proceeds of crime is reintegrated from underground banking structures into formal banking systems were discussed.
The use of advanced accounting software to trace the point where proceeds of crime are reintegrated into formal banking were researched extensively. Accounting software and investigative techniques on how to trace financial transactions which might be tainted with proceeds of crime were discussed. Accounting software which can be used on office computers such as laptops were discussed and more advanced automated systems which can be used to trace proceeds of crime transactions in the formal banking systems were also discussed. In specific, the investigative techniques on how to use these systems as investigative tools were discussed in great detail. This research paper gives a truly unique perspective on the financial investigative and analytical angle on proceeds of crime and money laundering detection.Criminal Justice
M.Tech. (Forensic Investigation)
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Moller, Diedre. "Customer service expectations in retail banking in South Africa." Thesis, 2008. http://hdl.handle.net/10539/5820.
Full textAbstract:
Customer satisfaction and retention are critical for retail banks. Service quality
is a major determinant of customer satisfaction, and is increasingly being seen
as a key strategic differentiator within the financial services sector worldwide.
However, little is known about service quality in an African context for retail
banking.
This research assesses customer expectations based on service quality factors
for retail banks across ten countries in Africa. Specifically, the objectives are to
determine whether cross-national differences in customer service expectations
exist in the African retail banking sector, what the relative importance of key
service dimensions in African retail banking are, and whether these service
expectations are constant over time.
A questionnaire based survey of 4035 respondents across ten African countries
was used. The determinants of external service quality were identified, which
include service quality dimensions and respective underlying attributes. The
SERVQUAL model developed by Parasuraman, Zeithaml & Berry (1990) was
adopted for modelling the data. The results were rescaled to interval data and
then analysed by way of ANOVA testing, t-testing and rank ordering.
The research shows, with the exception of the Responsiveness service
expectation dimension, that there are no commonalities of service expectations
among the African countries of this study. The implications of this are significant
for managers of multinational retail banks in Africa wishing to improve the quality of service delivery.
The Responsiveness service expectation dimension was found to consistently
be the most important expectation across all countries. Thereafter, the relative
importance of subsequent service dimensions varied considerably for each
country, but, on average, ranked as follows: Responsiveness, Reliability,
Tangibles, Assurance and, finally, Empathy.
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Kahari, Lynda Rosie. "Impact of Basel Accords in mitigating banking fragility in Africa." Thesis, 2016. http://hdl.handle.net/10539/23702.
Full textAbstract:
Thesis submitted in fulfilment of the requirements for the degree of Master of Management in Finance and InvestmentMitigating bank fragility provokes interest from governments, regulators, economists, and academia because have a “special role” in the development of an economy, hence the search for effective risk management tools. Basel framework provides risk management tools that use capital requirements, supervision and market discipline. However, this study examines the impact of regulatory capital requirements and macroeconomic variables on net interest margin (efficiency), equity to total assets (solvency), liquidity and growth to total assets for Botswana, Kenya, Mauritius, Namibia, Tanzania and Uganda in the periods 1999 to 2014. Given that the Basel Accords were initially designed for OECD countries; the argument is that they are not suited for African countries because they restrict the development agenda set by governments. However, the trend and regression analysis indicate that regulatory capital ratio has a significant impact on the equity to total assets ratio, liquidity and net interest margin demonstrating their effectiveness in minimising bank fragility. Conversely the results show that regulatory capital ratio does not have an effect on the growth to total assets, indicating that banks should be able to lend out to households and private sector to stimulate economic development. Additionally, the results show that an increase in GDP growth, a declining inflation rate, a falling real interest rate and an appreciating exchange rates have a significant influence on the financial soundness indicators
GR2018
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Modise, Keitshokile. "Disintermediation within the South African banking system." Thesis, 2014. http://hdl.handle.net/10539/15248.
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Antwi, Albert. "Profit risk models for South African banking sector." Diss., 2016. http://hdl.handle.net/11602/767.
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Appalsamy, Benjamin. "An investigation into the strategic challenges facing digital banking channels in South Africa, a customer centric approach." Thesis, 2012. http://hdl.handle.net/10500/6254.
Full textAbstract:
Electronic banking (hereafter referred to as digital banking), has not been fully embraced by local South Africans, in comparison to larger more established banking industries of the world. Despite the research literature available on e-commerce, much is still unknown about digital banking drivers in developing countries such as South Africa. In particular how clients feel about this form of banking and what the strategic challenges that require resolution for local consumers and banks to both benefit from this symbiotic relationship.
Arguably, digital channels are the future of banking globally as the autocatalytic nature of the internet and mobile devices continue to fuel digital transformation. In order for local banks to leverage this area of technological evolution, customer perceptions about this service platform, particularly the areas that were targeted for this investigation need to be prudently considered from a customer perspective for future corrective measures that need to be undertaken and ultimately solve for customer satisfaction.
Many South Africans have been early adopters of digital banking services, however many are still wary of this form of banking. A “magic pill” for implementation was not sought after, but rather a learning approach to embrace the opinions and perceptions of consumers.
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Chadwick, Keith Micheal. "Supply chain corporate responsibility in the banking industry in South Africa." Thesis, 2007. http://hdl.handle.net/10413/1489.
Full textAbstract:
The power and influence that large businesses enjoy in the areas of wealth creation, and in broader societal and environmental issues generally, is unprecedented in human experience. This dominance however, has its detractors in the form of diverse stakeholder groups, some of whom are sceptical about the social, environmental and corporate governance behaviours and performance of large organisations. High-profile cases of corporate misconduct have fuelled a crisis of legitimacy in the minds of some of these stakeholders. As a consequence, these stakeholders are demanding higher levels of transparency, accountability, trust and integrity from organisations, whilst also acknowledging the fact that these organisations must remain economically viable. Business leaders and analysts are increasingly appreciative of the potential value that can be created or conserved through visibly endorsing incrementally higher standards of social, environmental and ethical behaviour in their organisations. Progressive and responsible organisations across the world are either contemplating, or have already implemented, corporate responsibility programmes. These organisations include banks operating in the South African financial services industry. This research contends that various issues and trends are driving changes in banks operating in South Africa. One driver of change is an imperative to reduce the reputational risk profile amongst these banks, and has caused most of the larger South African banks to embrace corporate responsibility programmes to some extent. This research deals with an emerging and important dimension of corporate responsibility in the banking industry in South Africa, namely supply chain corporate responsibility. The primary objective of this research was to explore and describe the state of supply chain corporate responsibility programmes and practices in the banking industry. Specifically, it investigated and analysed how these programmes have been structured and implemented, the challenges that such programmes have encountered, the maturity of these programmes in these banks, and the outcomes of these programmes. The research was conducted in a phased approach, and followed a typical business research methodology. A literature search was conducted in order to reflect on the context, background and components of the wider field of corporate responsibility, the major drivers of change in the banking industry in South Africa, and the emerging role of procurement functions as the champions of supply chain corporate responsibility in these institutions. This included procurement departments' roles as facilitators of supply chain corporate responsibility programmes in their organisations. In addition, the literature search identified potential opportunities, challenges and pitfalls associated with supply chain corporate responsibility, and cited examples of best-practice supply chain corporate responsibility programmes in various companies. The research problem statement, the research framework, and the primary and secondary research objectives for this research were then compiled. A questionnaire was drafted, seeking to elicit views and comments on the state of supply chain corporate responsibility amongst selected respondents in the banking industry in South Africa. Once responses to this questionnaire had been received, the results were recorded and analysed, conclusions were drawn from these results, and recommendations were complied for future research in this area. The research revealed and concluded that supply chain corporate responsibility programmes are not mature or extensively developed in banks operating in South Africa. An aspiration-adoption gap exists, between what banks aspire to do in regard to supply chain corporate responsibility, and the programmes that they have implemented in practice. While banks that implemented supply chain corporate responsibility programmes have identified those areas in their procurement cycles that corporate responsibility impacts upon, important and best-of-breed supply chain corporate responsibility steps and practices have not been implemented in these institutions. Supply chain corporate responsibility programmes were considered to be able to create or conserve business value amongst banks operating in South Africa. There was a broad appreciation amongst these banks that supply chain corporate responsibility programmes should deliver nett positive results and value in their organisations. However, supply chain corporate responsibility programmes do face various significant challenges and pitfalls. These challenges and pitfalls need to be addressed and resolved if supply chain corporate responsibility programmes are to deliver their rightful value.Thesis (M.Com.)-University of KwaZulu-Natal, 2007.
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Ledwaba, Kgasago Stephen. "Customers' perceptions towards mobile banking using a technology acceptance model." 2013. http://encore.tut.ac.za/iii/cpro/DigitalItemViewPage.external?sp=1001178.
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Mcwabeni-Pingo, Lulekwa Gretta. "A conceptualized data architecture framework for a South African banking service." 2014. http://encore.tut.ac.za/iii/cpro/DigitalItemViewPage.external?sp=1001584.
Full textAbstract:
M. Tech. Business Information SystemsCurrently there is a high demand in the banking environment for real time delivery of consistent, quality data for operational information. South African banks have the fastest growing use and demand for quality data; however, the bank still experiences data management related challenges and issues. It is argued that the existing challenges may be leveraged by having a sound data architecture framework. To this point, this study sought to address the data problem by theoretically conceptualizing a data architecture framework that may subsequently be used as a guide to improve data management. The purpose of the study was to explore and describe how data management challenges could be improved through Data Architecture.