https://ir.unisa.ac.za/handle/10500/506 Collection of UNISA electronic theses and dissertations. Fri, 19 Jun 2026 13:53:17 GMT 2026-06-19T13:53:17Z https://ir.unisa.ac.za/handle/10500/32651 User acceptance of cellphone banking Schroder, Yvonne Venessa The development and growth of most economies are severely influenced by the health and ever-unfolding potential of its financial sector. For an economy to grow, people must become (increasingly) economically active. The successful delivery of the Financial Services Charter (FSC), in providing greater accessibility to financial services, will have a positive influence in the economical development and upliftment of a substantial portion of the South African market, i.e. the un- and underbanked. Hence, it also has obvious benefits for the country as a whole. The aim of the FSC is to greatly encourage the effective access available. to LSM1-5. The yardstick is set at 80% for transaction accounts (''first order retail financial services products") by 2008 (Financial Services Charter, 2003). FinScope reports the actual usage as 32% in 2003. Truly successful delivery of greater accessibility to financial services will require creative business thinking, ensuring that all role role-players, (i.e. the state; banks as well as individual clients), agree on the effectiveness of the provided delivery. This order of success is only possible through innovation. Innovation - more specifically technology driven innovations - is a wellacknowledged catalyst in the cost reduction of services. In South Africa the telecommunication sector is a prime example of how innovation (presented in a manner that speaks directly to the target markets unmet needs) can disrupt an industry. There is also a strong market opinion that cellphones, together with the Dedicated Banks Bill (DBB), will play a fundamental role in providing access on the financial sector. By applying relevant theories and models (obtained from literary reviews), this research aims to investigate Wizzit, a new market entrant to the financial sector, offering a mobile transaction channel bundled with a Maestro branded debit card. The focus evaluated Wizzit's market offering (as a mobile transaction channel by means of a cellphone} compared to existing traditional offerings to the same target market. The focus of this study is to investigate if the target market deems cellphone banking as an acceptable method of conducting personal banking. It is not the intention to compare various cellphone-based offerings with another. Rather, the emphasis is to undertake field research to determine the target's market perception of a mobile access channel per se. Wizzit Bank serves as the reference base - representative of the target market, from which the sample is taken. Focus is given to understanding the subtle interplay between learning, marketing and developing an insight into structuring the appropriate value proposition, which incentivises the desired change in customer behaviour. Thus, in closing, this explorative study is founded on qualitative field research, investigating the target market's perceptions on the appropriateness of the marketing and business approach of Wizzit (as a cellphone banking service provider}, promoting an alternative approach of transaction banking to the poorer people in South Africa. Business Leadership Wed, 30 Nov 2005 00:00:00 GMT https://ir.unisa.ac.za/handle/10500/32651 2005-11-30T00:00:00Z https://ir.unisa.ac.za/handle/10500/32650 The financing of small businesses in the Greater Soweto Area Dhlamini, Alfred Siphiwe Small business plays an important role in the economies of all countries where the free enterprise system is the accepted economic system. Small business, firstly, accounts for a large proportion of the economic activity, and secondly plays a major role in job creation. According to Sunter (1993a:82), 95 per cent of the jobs being created worldwide are in the small business and informal sectors. However, small businesses mostly find it difficult to raise funds to operate due to a number of problems as indicated by Vos loo (1989d: 1). This study seeks to investigate the financing of small businesses in the Greater Soweto Area with particular reference to the different sources of finance available to small business, the factors that influence the capital requirements of small businesses, the actual sources of finance utilized by small businesses in the greater Soweto Area, the extent of the use of informal finance by small businesses .and the financing problems experienced by small businesses in the Greater Soweto Area. The study is divided into three main sections. Firstly, a literature study of the subject is undertaken. Secondly, an empirical study i"s conducted by means of data collected from 400 small businesses in the Greater Soweto Area. The data is analyzed and reported on. Thirdly, a number of conclusions are drawn from the analyses of the data (see section 5.2) and a number of recommendations are made (see Section 5.4). In Section 5.5 areas for further research are proposed Sat, 01 Jan 1994 00:00:00 GMT https://ir.unisa.ac.za/handle/10500/32650 1994-01-01T00:00:00Z https://ir.unisa.ac.za/handle/10500/32649 Stremmende faktore wat inwerk wat bestuursontwikkeling by vulstasies Duvenage, J. B. This summary is a synopsis of the main findings of the thesis. Recommendations are made to indicate how strategies can be implemented in order to counteract elements that hamper management development at filling stations. The scope of the investigation of elements that counteract management development at filling stations was very wide because a large number of elements had to be singled out and described in detail. Specific areas were identified for further study after which perceptions about entrepreneurs had to be tested and analysed statistically. These statistics are part of the research for this thesis and intended researchers of this and other related areas should be able to utilise these fruitfully. Specific problem areas came to the fore. Such elements are singled out briefly and recommendations regarding improved circumstances are made. In South Africa, filling stations and especially small businesses are not only faced with a crisis but also with challenges as a result of the unique business environment in this country. On the one hand, entrepreneurs experience an extensive shortage of schooled and well-trained employees who are suitable for employment. On the other hand, there is extensive unemployment among unschooled, (untrained) employees. It is this researchers opinion that South Africa is being confronted with great challenges including the fact that, within the filling station enterprise, there should be serious attempts to increase productivity. In order to overcome this problem, employees should not only be trained and developed, but there is also an extensive shortage of properly schooled entrepreneurs and supervisors. Training and development are the responsibilities of the relevant business management. During the research phase of this study, entrepreneurs were questioned on which of the following problems filling stations experience most often. A few problem areas were named and were identified through questionnaires after which respondents reacted to a five-point scale. FINDINGS The most significant problems identified by the researcher are: • Low profit margins Low gross and net profit margins were also identified in this research as specific problems within the business enterprise. • Government regulations When considering the respondents, it was found that 38. 7% are of the opinion that government regulations are of little or no importance. In contrast, rural entrepreneurs feel strongly about this aspect as 75.0% feel that this aspect is of the greatest importance, thus requiring attention. Summary • Shortage of quality employees It was found that 11.8% of the respondents are of the opinion that the quality of the employees is of little or no importance. The question is thus how a filling station can continue existing with poor quality employees, particularly considering that a filling station is a business that provides a service. • Inadequate employee training Research has shown that 27.2% of the urban entrepreneurs as opposed to the 16. 7% of rural owners regard employee training as of little or no importance. From the above-mentioned statistics, it is clear that there is a significant shortage of training programmes within filling station enterprises. • Tax (income tax and VAT) A relevant question in this context is why tax should be paid. Experts stress the traditional role of the income tax assessment as means of generating sufficient money for the government coffers but the importance of alternative aims such as the stimulation of economic growth and job creation are also singled out. It has been found that 87.9% of the respondent's regard income tax as an obstacle. The payment and administration of tax within the business enterprise is of greatest importance to the entrepreneur. Particular reference has been made to the shortage of capital and other obstacles Summary such as access to financial sources, the high cost of the administration of tax laws and other government regulations within the filling station enterprise. Deficiencies within the South African system are: • a shortage of qualified employees; • inadequate use of modem technology; • inadequate attempts at policing the system; • more feedback to honest payers regarding the taxing of groups that are difficult to trace. • Business plan There is a shortage of knowledge regarding the composition and implementation of a business plan for the filling station enterprise. • Stock control Entrepreneurs agree that the low gross profit that is achieved is lowered even further by the high cost of the above-mentioned type of enterprise. • Shortage of schooled and well-trained entrepreneurs. As has been mentioned, research has revealed that there is a shortage of schooled and well-trained entrepreneurs. A related problem is that of inadequate managerial knowledge. More or less 51.5% of the respondents indicate that this is a very important aspect within the business and 60.6% of the respondents indicate that an inadequate managerial information system causes extensive problems. A group of Summary 67.9% mean that group training is essential for entrepreneurs. • Communication A significant reason for concern is the fact that only 16.1 % of the total number of entrepreneurs regard communication between the business and community as significant. Communication (one of the seven additional tasks of a manager) is regarded as one of the most important activities both within and outside of the business. In the absence of an effective communication system, no business can survive since contact with the consumer - the lifeline of the business - is severed. By means of extensive analysis of collected and determined statistics it was found that 19.3% of entrepreneurs held the viewpoint that communication between the business and community is of little or no importance. From this analysis it can be deducted that communication within and outside of the filling station enterprise is not of adequate standard and that conscious attempts must be made to improve this situation. Successful communication is one of the most serious problems confronting the entire South African population. In general people, especially business people, communicate poorly since reading skills have been neglected. • Competition Research done for this doctoral thesis has revealed clearly that competition is a very inhoudsopgawe important, yet simultaneously inhibiting and non-inhibiting factor, within the enterprise. There are a fair number of techniques and methods that can be utilised in order to counteract unhealthy competition. • Inflation In general, 87.9% of the respondents indicated that inflation has an extensive influence on the business enterprise. Subsequently, it is regarded as of great significance. Statistics show that there were no respondents in rural areas that were of the opinion that inflation is of no or little importance. In contrast, 19.1% of the urban entrepreneurs are of the opinion that inflation is unimportant. RECOMMENDATIONS Recommendations can be found in Chapter 6 (see Low profit margins, p 218, Government regulations, p 223, Shortage of quality employees, p 224, Inadequate employee training, p 227, Tax (income tax and VAT), p 227, Business plan, p 233, Stock control, p 234, Shortage of schooled and well-trained entrepreneurs, p 237, Communication, p 238, ompetition, p 239 and Inflation, p 243). CONCLUSION Additional significant inhibiting elements were identified. These can be researched and analysed further through follow-up studies. Within the context of this study, the above-mentioned elements are regarded as the most significant. Fri, 14 Jul 2000 00:00:00 GMT https://ir.unisa.ac.za/handle/10500/32649 2000-07-14T00:00:00Z https://ir.unisa.ac.za/handle/10500/32648 Acceptance of Cell Phone Banking.as distribution channel within the South African Retail Banking Sector Claassen, Friedl Emile Financial institutions, being faced with ever increasing threat of competition, legislative requirements (FSC) and economic downturn, are forced to find alternative ways of doing banking at lower cost structures than ever before. Customer demands and consumerism are playing an ever increasing role, as bank charges are coming under more and scrutiny. New and innovative banking channels like cell phone banking has been developed to cater for the bulk of the day to day transactions undertaken in branches across the country. Migration of customers onto these electronic channels will not only improve customer service because of shorter queues, but also ensure that capacity will be created inside banks, to focus on more revenue generating tasks and responsibilities. The up take of cell phone banking has been slow in the past. We are seeing an increasing number of customers registering for this functionality as they become more aware of its existence and the benefits that can be realised. The growth in usage of cell phone banking by these cust,Jmers have not realised the same growth percentage, with a large portion of customers not utilising it consistently. Major reasons for this is usability of the system, the availability of alternative electronic channels (internet banking) and the trust relationship between the customer and the technology and the financial institutions. Limited functionalities are also an obstacle in the ability of cell phone banking to become a primary banking platform, especially in the rural areas of South Africa. In these areas access to alternative banking channels are limited, because of infrastructure and distances. Current views from banking institutions are that cell phone banking are considered to be an add-on service, forming part of a bouquet of alternative electronic channels. With limited access, crime, geography and the high cell phone usage in South Africa, this statement might be revised in future, as cell phone functionality becomes more advanced Sun, 01 Jun 2008 00:00:00 GMT https://ir.unisa.ac.za/handle/10500/32648 2008-06-01T00:00:00Z