Traditional-bank customers' digital-only bank resistance: evidence from South Africa

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Jacques Nel ◽  
Christo Boshoff
Keyword(s):  
South Africa ◽  
South African ◽  
Design Methodology ◽  
Status Quo ◽  
Mediation Model ◽  
Essential Factor ◽  
Content Type ◽  
The Status ◽  
African Context ◽  
New Research

PurposeDigital-only banks are emerging as challenger banks to the traditional-bank business model in South Africa. However, traditional-bank customers could resist the use of digital-only banks, theoretically due to their satisfaction with the status quo. Consequently, inertia arising from bias to traditional banks based on status quo satisfaction could engender their resistance to become customers of digital-only banks. The objective of the study, therefore, is to investigate how traditional-bank customers' inertia influences digital-only bank resistance.Design/methodology/approachBased on a literature review, digital-only bank adoption barriers and cognitive-based initial distrusting beliefs were identified as mediators of the influence of inertia on digital-only bank resistance. To test the mediation model empirically, data was collected from 610 traditional-bank-only customers.FindingsThe five adoption barriers fully mediate the influence of inertia on cognitive-based initial distrusting beliefs. The five barriers in serial with cognitive-based initial distrusting beliefs partially mediate the influence of traditional-bank customers' inertia on digital-only bank resistance. Cognitive-based initial distrusting belief is an essential factor in the mechanism underlying the influence of traditional-bank customers' inertia on digital-only bank resistance.Originality/valueDigital-only banks are relatively new. Research is therefore lacking in consumer behavior explaining the use of digital-only banks by traditional-bank customers in the South African context. A further novelty of the study is the empirical assessment of mechanisms that explain the influence of inertia on cognitive-based initial distrusting beliefs, and the influence of inertia on resistance behavior.

Marketing and delivering information literacy on the web, yesterday and today, from 2009 to 2012

2014 ◽  
Vol 31 (4) ◽  
pp. 10-13 ◽  
Author(s):  
Sharon Q. Yang
Keyword(s):  
Information Literacy ◽  
Web Sites ◽  
Academic Libraries ◽  
Design Methodology ◽  
Status Quo ◽  
Content Type ◽  
The Status ◽  
Practical Implications ◽  
The Web ◽  
Made In

Purpose – This study aims to ascertain the trends and changes of how academic libraries market and deliver information literacy (IL) on the web. Design/methodology/approach – The author compares the findings from two separate studies that scanned the Web sites for IL-related activities in 2009 and 2012, respectively. Findings – Academic libraries intensified their efforts to promote and deliver IL on the web between 2009 and 2012. There was a significant increase in IL-related activities on the web in the three-year period. Practical implications – The findings describe the status quo and changes in IL-related activities on the libraries’ Web sites. This information may help librarians to know what they have been doing and if there is space for improvement. Originality/value – This is the only study that spans three years in measuring the progress librarians made in marketing and delivering IL on the Web.

Reconsidering criminal law-based liability for corporations and directors in South Africa

2019 ◽  
Vol 26 (4) ◽  
pp. 1085-1094
Author(s):  
Herbert Kawadza
Keyword(s):  
South Africa ◽  
South African ◽  
Criminal Law ◽  
Negative Impact ◽  
Criminal Liability ◽  
Annual Reports ◽  
Content Type ◽  
Criminal Sanctions ◽  
Fresh Perspective ◽  
African Context

Purpose It is recognised that the mere proscription of corporate offences is not adequate to deter misconduct or engender compliance. There is a need for the enforcement of the rules through robust culture-changing sanctions. The purpose of this paper is to demonstrate the inadequacies of criminal law liability in ensuring compliance with ethical corporate conduct in South Africa. Design/methodology/approach This paper is purely qualitative. For expository purposes, it draws from the Criminal Procedure Act, 51 of 1977 as well the corporate criminality enforcement trends and data from the National Prosecutions Agency’s annual reports to demonstrate that much as criminal liability is enshrined in a statute it has, however, not yielded the expected results. It situates the debate within the broader economic criminological scholarship. Findings This paper argues that even though the option of prosecuting corporations and directors is part of South African law, many corporate offences are not brought into the criminal justice system. Judging by its erratic imposition, criminal liability has failed to express the indignation and condemnation that are normally attached to criminal sanctions. Several reasons account for this. These include evidentiary, legal, technical and definitional complexities of some corporate offences, which lead to them being regarded as “unprosecutable crimes”. This has a negative impact on enforcement. Originality/value This paper is novel because it approaches the debate from a fresh perspective, economics and criminology. Not much scholarly attention has been devoted to analysing the efficacy of criminal sanctions in the South African context. This paper attempts to fill that gap.

scholarly journals Switching from cash to mobile payment: what's the hold-up?

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Xiu-Ming Loh ◽  
Voon-Hsien Lee ◽  
Garry Wei-Han Tan ◽  
Keng-Boon Ooi ◽  
Yogesh K. Dwivedi
Keyword(s):  
Conceptual Model ◽  
Design Methodology ◽  
Status Quo ◽  
Security And Privacy ◽  
Mobile Payment ◽  
Status Quo Bias ◽  
Content Type ◽  
Perceived Security ◽  
The Status ◽  
Push Factor

PurposeThis paper explores the reasons behind the slow uptake of mobile payment (m-payment) from a switching intention (SI) perspective. The antecedents of SI from cash to m-payment were explored using an integrated conceptual model of the push-pull-mooring (PPM) framework and the status quo bias (SQB) perspective.Design/methodology/approachA self-administered survey was used to collect data, which are empirically tested using SmartPLS 3.0.FindingsThe push factor was found to have an insignificant effect on SI to m-payment whereas the pull factor was significant. Furthermore, the results revealed that the two mooring variables have contrasting results as trust is not a significant determinant of SI to m-payment while perceived security and privacy (PSP) is. Additionally, all SQB-related relationships were found to be statistically significantOriginality/valueThis study determined the factors that play vital roles in the consumers' decision-making to transition from cash to m-payment. This was done via a uniquely developed conceptual model that incorporated the PPM framework with the SQB perspective.

scholarly journals Bridging the relevance-ranking chasm: mission impossible?

2018 ◽  
Vol 30 (2) ◽  
pp. 128-144 ◽  
Author(s):  
Judy Zolkiewski
Keyword(s):  
Design Methodology ◽  
Status Quo ◽  
First Century ◽  
Management Research ◽  
Business Research ◽  
Business World ◽  
Content Type ◽  
The Status ◽  
Business And Management ◽  
Practical Implications

Purpose This paper aims to debate the challenges related to balancing relevance and ranking in management research. Design/methodology/approach This is a commentary on and review of challenges faced by twenty-first century management academics. Findings There is a chasm between managerial relevance and current managerial research; however, with academic buy-in, there are ways in which the chasm can be crossed. Research limitations/implications The implications of this are wide reaching for management researchers. They are challenged to consider different methodologies, strategies and dissemination avenues for their research. Practical implications Researchers need to consider not only collaboration with practitioners, as they pursue solutions to managerial problems, but also more inter-disciplinary research that addresses the wicked problems of management in practice. Social implications Solving the challenge of managerial relevance of business research has the potential to allow the contribution of business academia to be fully appreciated by practitioners. Originality/value The value of this thought-piece is that it challenges business and management academics to challenge the status quo and fight to make their research relevant to and valued by the business world.

Pathways through homelessness: the perceptions of homeless children in Pietermaritzburg, South Africa

2020 ◽  
Vol 15 (3) ◽  
pp. 141-160
Author(s):  
Anna Wilshire Jones Bornman ◽  
Carol Jean Mitchell
Keyword(s):  
South Africa ◽  
South African ◽  
Well Being ◽  
South African Context ◽  
Homeless Children ◽  
The South ◽  
Research Attention ◽  
Content Type ◽  
Factors Influencing ◽  
African Context

Purpose The purpose of this study was to explore children’s pathways through homelessness within the South African context, with particular attention paid to pathways out of homelessness. This study focusses on factors influencing children’s successful transitions out of homelessness. Design/methodology/approach A qualitative exploratory design was used, using interviews with nine children who had exited or were in the process of exiting homelessness. Interviews were conducted at a children’s shelter in Pietermaritzburg or in the children’s home environments. Interviews were analysed thematically. Findings An ecological framework was used to frame the factors influencing children’s pathways in, through and out of homelessness in the children’s narratives. These included institutions, relationships and intrapersonal strengths and resources. The study suggested that constructive relationships with shelter staff and parental figures, as well as intrapersonal strengths, were the most prominent factors in children successfully negotiating their way through their homelessness. The importance of a relationship with the paternal family within some African cultures was also a point of leverage. Research limitations/implications Implications for policy and practise include the need for systemic change, as well as greater support for shelters and shelter staff. The issue of rivalry in the shelter context and the role of the paternal family in the reintegration process require more research attention. The research is limited to homeless children in Pietermaritzburg, South Africa. Practical implications This study provided feedback to the shelter regarding their strategies for assisting homeless children off the streets. It further provided evidence for the importance of the work of the shelter, to strengthen advocacy efforts. This may be useful to others in similar circumstances. Social implications This study highlights the importance of macrosystemic interventions in the efforts to assist homeless children, while at the same time not ignoring the inter and intra, personal elements to enhancing their well-being. Originality/value This paper is singular in its exploration of factors influencing children’s successful transitions out of homelessness within the South African context.

Waking ourselves up! Re-examining the role of OD practitioners – a challenger perspective

2014 ◽  
Vol 46 (4) ◽  
pp. 182-187
Author(s):  
Clare Southall
Keyword(s):  
Paradigm Shift ◽  
Design Methodology ◽  
Status Quo ◽  
Content Type ◽  
Academic Paper ◽  
The Status ◽  
The Many ◽  
Changing Role

Purpose – The purpose of this paper is to explore the changing role of OD practitioners. Given the many significant challenges faced by organisations and their leaders, never has the role of OD been more important; it is vital that OD practitioners are able to identify the paradigm shift that is required if they are to provide the relevant challenge and support that organisations and leaders need. Design/methodology/approach – The OD role is explored through the Challenger pattern of behaviour known as Witnessing the Establishment – the ability, and the willingness, to see things as they really are, not as we wish them to be. The authors are often so much a part of the organisational system ourselves that the underpinning assumptions, beliefs, routines and rituals that exist are so transparent we can not see them for what they are. Findings – This paper focuses on one of the six patterns of behaviour identified in Challenger leaders in the book “Challenger Spirit: Organisations that disturb the status quo” by Khurshed Dehnugara and Claire Genkai Breeze, LID Publishing, 2011. Research limitations/implications – This is not an academic paper but instead a consultant/practitioner perspective grounded in day-to-day work with leaders and OD professionals in client organisations. Originality/value – A number of suggestions are given for applying the perspectives discussed, through a series of questions, diagnostic processes and models. These are directly applicable to OD practitioners themselves and can also form the basis of further conversations with the leaders and colleagues.

The accounting meta-metaphor of the Hollow Men by T. S. Eliot

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Alistair M. Brown
Keyword(s):  
Design Methodology ◽  
Source Term ◽  
Status Quo ◽  
Modern World ◽  
Content Type ◽  
Step Procedure ◽  
The Status ◽  
Metaphor Use ◽  
Metaphorical Analysis ◽  
Practical Implications

Purpose Using the theory of sensibility and McClelland et al.’s (2013) metaphorical analysis, this study aims to analyse the accounting metaphors and meta-metaphor of The Hollow Men, a poem written by T. S. Eliot. Design/methodology/approach The analysis uses McClelland et al.’s (2013) five-step procedure to ascertain the poem’s metaphor use. Findings The Hollow Men depicts accountants as ritualistic and accounting voices as quiet and meaningless while its meta-metaphor conveys accounting as rites and shadows. Research limitations/implications Although The Hollow Men’s use of Form 4 metaphors, where neither figurative nor literal source term is named, places an onus on the reader to infer meaning from accounting metaphor use, the analysis provides readers with a valuable structure for evincing accounting metaphors that present pervasive accounting issues facing the modern world. Practical implications Accountants, according to The Hollow Men, are hollow, devotees to plunderers and property and rain dancers. The Hollow Men situates the quest for accounting as a ritual for order and the preservation of the status quo. Social implications The Hollow Men’s mages of accounting immersion in rites and shadows accord with the conceptual metaphors of accounting as magic and accounting as history. Originality/value The originality of this study rests in its introduction to McClelland et al.’s (2013) metaphorical analysis of accounting research.

To lead or not to lead: that is the (courageous) question

2020 ◽  
Vol 19 (2) ◽  
pp. 55-58
Author(s):  
Javier Bajer
Keyword(s):  
Direct Observation ◽  
Side Effect ◽  
Design Methodology ◽  
Leadership Skills ◽  
Status Quo ◽  
New Approach ◽  
Content Type ◽  
The World ◽  
The Status ◽  
The Impact

Purpose The purpose of this paper is to challenge the constructs regularly used by organisations around the world for the development of leadership. Design/methodology/approach This is an opinion piece based on direct observation of hundreds of organisations over the years. Findings The regular approaches used for the development of leadership skills in organisations have consistently failed to deliver against its promise. Moreover, it is often the case that organisations pursue new “solutions” to bridge the leadership gap, often to discover that their new approach not only failed to develop the skills needed but also had the side effect of distracting vast amounts of attention. This paper describes what, if not the various taxonomies that describe, “good leadership” looks like really and how it delivers sustainable and effective leadership transformation. Originality/value This piece challenges the status quo, offering a more powerful way of connecting people with the purpose of their work, increasing the impact that individual leadership could have in the creation of value for all stakeholders, including themselves.

Training the trainer – lessons from the new South Africa

2014 ◽  
Vol 4 (1) ◽  
pp. 17-30
Author(s):  
John Van der Merwe ◽  
Martyn Sloman
Keyword(s):  
South Africa ◽  
South African ◽  
Design Methodology ◽  
New South ◽  
Content Type ◽  
Module Design ◽  
Modern Economy ◽  
The Impact ◽  
The Way ◽  
Corporate Trainers

Purpose – The purpose of this paper is to consider some challenges involved in delivering a programme for the education of corporate trainers in the new South African economy. Design/methodology/approach – The paper reviews the way in which training in organisations has changed in the modern economy; it asks whether “training” has any academic base with knowledge components or whether it is simply a craft discipline carried out in context by experienced practitioners. It examines the particular circumstances that arise in post-Apartheid South Africa and the challenges faced where participants are widespread geographically. Findings – The paper looks at the issues involved in module design under these circumstances and describes a study to determine the impact and value of the programme. It draws some conclusions that may assist in the design of similar programmes elsewhere. Research limitations/implications – The study is based on one university – although it is the first and only course of its type in South Africa. Originality/value – This paper provides an original perspective involving information from several countries.

Tools of accountability: protecting microfinance clients in South Africa?

2017 ◽  
Vol 30 (6) ◽  
pp. 1344-1369 ◽  
Author(s):  
Lisa Marini ◽  
Jane Andrew ◽  
Sandra van der Laan
Keyword(s):  
South Africa ◽  
South African ◽  
Design Methodology ◽  
Social Practices ◽  
Qualitative Approach ◽  
Content Type ◽  
Unique Data ◽  
Direct Observations ◽  
Microfinance Institution

Purpose The purpose of this paper is to explore the ways in which accountability is operationalised within the context of a South African microfinance institution (MFI). In particular, the authors consider the introduction of a tool to enhance consumer protection, the Client Protection Card (CPC), to deliver accountability within the case organisation. In contrast to prior research, the authors focus on accountability from the perspective of clients and fieldworkers. Design/methodology/approach A single in-depth case study of the introduction and implementation of a CPC in an MFI operating within South Africa was conducted. The case study and timing afforded an opportunity to gather unique data, given the MFI’s client-centred philosophy and the recent introduction of the CPC. The qualitative approach adopted for this research allowed collection of data through direct observations, interviews, a fieldwork diary and documentation. The theoretical framing for this paper views accountability as involving social practices, allowing us to foreground the existence of interdependencies among people interacting within the same organisation or system (Roberts, 1996). Findings The case study demonstrates that three aspects are critical to the success of the card: the design, which requires sensitivity to the local culture; the distribution, which demands for significant “sensemaking” work to be undertaken by fieldworkers; and the drivers for introducing the card, which need to be responsive to the clients’ perspective. The paper illustrates how well-intended tools of accountability can fail to deliver effectively, both for the organisation and the users, if they are not tailored appropriately to the needs of clients. Originality/value This paper differs from prior research as it explores the ways in which fieldworkers and MFI clients make sense of a tool of accountability, the CPC. Given that the CPC was designed to meet guidelines produced by international policymakers and domestic legislators, the paper provides a grassroots analysis of the effectiveness of the implementation of such tools from the perspective of clients and fieldworkers. This local focus allows the authors to examine the ways in which mounting global expectations for increased accountability of MFIs are being operationalised in practice.

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