scholarly journals Mobile Banking Applications: Consumer Behaviour, Acceptance and Adoption Strategies in Johannesburg, South Africa (RSA)

2014 ◽  
Author(s):  
Garth Andrew Balabanoff
Keyword(s):  
South Africa ◽  
Consumer Behaviour ◽  
Mobile Banking ◽  
Mobile Banking Applications

scholarly journals Attitudes Towards Utilising Mobile Banking Applications Among Generation Z Consumers in South Africa

2021 ◽  
Vol 2 (6) ◽  
pp. 417-438
Author(s):  
Moshele Koenaite ◽  
Eugine Maziriri ◽  
Tinashe Chuchu
Keyword(s):  
South Africa ◽  
Industrial Revolution ◽  
Consumer Attitudes ◽  
Mobile Banking ◽  
African Continent ◽  
Fourth Industrial Revolution ◽  
Generation Z ◽  
Actual Use ◽  
Mobile Banking Applications ◽  
Modern Era

In today’s post-modern era, the banking industry is becoming a digital rather than a physical system. Digital banking has been synonymous with the fourth industrial revolution making a notable impact on the African continent.  Therefore, the purpose of this research is to empirically investigate consumer attitudes towards mobile banking applications in South Africa. A positivist paradigm underpinned the study, and a descriptive design was employed. To test the proposed hypotheses a unique conceptual model was  developed. Non-probability sampling was adopted in selecting appropriate participants. A total of data was collected from 325 willing participants through an survey. In terms of analysis, SPSS n and AMOS were utilised to generate descriptive statistics and hypotheses testing.  The results established that attitudes towards mobile banking applications and actual use of mobile banking applications was the strongest relationship.  The empirical evidence presented in this study adds value to the existing research on mobile-banking within the 4th industrial revolution, particularly in South Africa, a largely under-researched area.

scholarly journals Factors that Influence FinTech Adoption in South Africa: A Study of Consumer Behaviour towards Branchless Mobile Banking

2022 ◽  
Vol 8 (1) ◽  
pp. 429-450
Author(s):  
Barbara Jeanne Slazus ◽  
Geoffrey Bick
Keyword(s):  
South Africa ◽  
Mobile Phones ◽  
Financial Services ◽  
Consumer Behaviour ◽  
Business Models ◽  
Mobile Banking ◽  
Online Questionnaire ◽  
Enabling Factors ◽  
Convenience Sample ◽  
Inhibiting Factors

The widespread use of mobile phones and growth in internet penetration has created a unique opportunity to increase access to financial services. Financial Technology (FinTech) companies and mobile banking (m-banking) empower customers to use digital platforms to utilise financial services without the physical access requirements of traditional banking. This has led to the rise of FinTech firms that are disrupting traditional industry standards by servicing consumers through a range of digital channels and mobile devices. A new completely branchless bank, Bank Zero, is set to launch in South Africa in 2020 to exploit these opportunities. This consumer behavioural study focuses on analysing FinTech adoption in the South African market. An adapted mixed-method approach was used to identify the enabling and inhibiting factors that motivate consumers to adopt or reject m-banking. Qualitative research was initially conducted via in-depth interviews with 7 respondents. The most salient factors identified in the literature review were tested, and the results were used to develop a quantitative, online questionnaire. A convenience sample of 217 valid responses was collected, and the data was analysed using exploratory factor analysis (EFA). The EFA identified 6 influencing factors: four enabling and two inhibiting factors. The enabling factors that positively influenced FinTech adoption were: Utility, Socio-Economic Influencers, Mobile Device Trust and Youth. The two inhibiting factors were: Perceived Risks and Associated Costs. Interestingly, 74% of the 217 respondents indicated that they would join a completely branchless bank, using only their mobile phones and the internet to access banking services, showing a high propensity to branchless, m-banking. Finally, the Enhancement Criteria Model based on insights gained from the research findings, is proposed. This model provides recommendation criteria for existing and new FinTech providers who are looking to improve their business models. JEL Codes: D18, G40 Keywords: FinTech, mobile banking, m-banking, branchless banking, consumer behaviour, South Africa

scholarly journals Mobile banking in South Africa: a systematic review of the literature

2016 ◽  
Vol 11 (1) ◽  
pp. 34-41 ◽  
Author(s):  
Akwesi Assensoh-Kodua ◽  
Stephen Migiro ◽  
Emmanuel Mutambara
Keyword(s):  
South Africa ◽  
Systematic Review ◽  
Financial Services ◽  
Mobile Banking ◽  
Review Of The Literature ◽  
Research Issues ◽  
Current State ◽  
Mobile Banking Applications ◽  
Future Direction ◽  
High Level

Mobile banking in South Africa recently has undergone rapid growth, and research on it is on the increase. This paper seeks to improve authors’ understanding of the current state of knowledge of mobile banking in South Africa by providing a systematic review of the existing literature on the phenomenon. The literature review shows that research to date has centred on small academic models with a high level of practitioner involvement, consequently, narrowing research issues of greater concern. Thus, issues of assessing mobile banking needs, factors imparting continuance usage, and the measurement of impact have been comparatively neglected. A future direction for research and practice within the mainstream of mobile banking and financial services is suggested to remedy this imbalance and to contribute to mobile banking applications in South Africa

A Survey on Mobile Banking Applications and the Adopted Models

2017 ◽  
Vol 7 (2) ◽  
pp. 6-11
Author(s):  
Sultan Y. As-Sultan ◽  
◽  
Ibrahim Ahmed Al-Baltah ◽  
Fua’ad Hassan Abdulrazzak ◽  
◽  
...  
Keyword(s):  
Mobile Banking ◽  
Mobile Banking Applications

scholarly journals RELATIONSHIP BETWEEN IN-STORE PROMOTIONS AND CONSUMER BEHAVIOUR IN SHOPPING MALLS IN SOUTH AFRICA

2021 ◽  
Vol 2 (1) ◽  
Author(s):  
Vinessa Naidoo ◽  
◽  
Nkhumeleni Mathivha
Keyword(s):  
Social Sciences ◽  
South Africa ◽  
Consumer Behaviour ◽  
Primary Data ◽  
Shopping Malls ◽  
Price Discounts ◽  
Body Of Knowledge ◽  
The Social ◽  
Point Of Purchase ◽  
Spss Software

Promotions of products and services close to the point of purchase is a reality to many companies. These promotions include the demonstration of products, price discounts and free samples. This paper sets out to determine the influence of in-store promotions on consumer behaviour. The study sampled 200 middle-of-the-month and month-end shoppers in four of the largest shopping malls in Polokwane, South Africa among. The paper was designed along quantitative method dicta and the primary data were collected by means of a questionnaire. Data were analysed via IBM Statistical Package for the Social Sciences (SPSS) software, and presented in graphs and tables for easy interpretation. The results and knowledge gained from this study add to the existing body of knowledge in the discipline, and it might assist shop managers in finding the most suitable methods for in-store promotions. All ethical requirements were considered during the course of the study. The outcome of the study indicated a statistically significant relationship between consumer behaviour and in-store coupon offers. However, the association analysis results for the enjoyment of in-store promotions, in-store free samples, in-store buy-one-get-one-free offers, and in-store price discounts, failed to provide any evidence of association with consumer behaviour.

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