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

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

PERAN KEPEMIMPINAN KEPALA SEKOLAH DALAM MENERAPKAN MANAJEMEN MUTU PENDIDIKAN

This study aims to describe: 1) The role of the principal in implementing education quality management at SMP Negeri 2 Arungkeke, Jeneponto Regency, 2) Supporting and inhibiting factors for the principal in implementing education quality management at SMP Negeri 2 Arungkeke, Jeneponto Regency. The type of research used is descriptive qualitative research. Qualitative research is a research approach that uncovers certain social situations by properly describing reality, formed by words based on relevant data collection and analysis techniques obtained from natural situations. Sources of data in this study, namely data that shows the quality or quality of something that exists, in the form of circumstances, processes, events or events and others expressed in the form of words. The informants in the study were the principal, social studies teacher for class IX, and social studies teacher for class VII/VIII, English teacher and staff of SMP Negeri 2 Arungkeke. The technique of determining the informant was carried out purposively, namely based on the capacity that provided convenience and willingness in the interview. The results of this study indicate that 1) the leadership role of the principal in implementing education quality management in SMP Negeri 2 Arungkeke, namely: (a) the principal must have the right strategy and (b) apply leadership management. 2) Supporting and inhibiting factors for school principals in implementing education quality management at SMP Negeri 2 Arungkeke, namely: supporting factors (a) mutual cooperation and kinship (b) providing opportunities for teachers in professional application training activities (c) facilitating all school activities, factors inhibiting (a) lack of motivation and enthusiasm of the principal (b) lack of leadership ability of the principal (c) lack of facilities and infrastructure and (d) low mental attitude.

Indonesian Language Learning Process Through Online System at SDN Class 1V Muara Tiku Musirawas Utara

This research is looking at the current conditions that hit the whole world, namely the corona virus pandemic. A pandemic that causes the entire order of world life to change in all fields, one of which is in the field of education. Due to a pandemic, all activities outside the home are limited. Education is very important in life, therefore education must continue to be carried out during this pandemic. Schools during the pandemic are completed remotely or also known as web or internet learning. Distance learning interactions can maintain distance, and do not cause extreme sports outside the home, of course to maintain health. Furthermore, to find on the web or the internet the learning steps are well done. Exploration is subjective and the subjects of this test are educators and students of SDN class 1V Muara Tiku. The exam cycle begins with the perception to decide on the school's internet learning interactions. Further meetings and documentation. The information collected is checked using reports or explanations from educators and students. The achievement of learning with an online framework in Indonesian language learning includes (a) the use of whatsapp gatherings, (b) dramatization techniques and online conversations, (c) supporting elements for picking up network distances that must be steady and displaced using media, (d) inhibiting factors for interaction learning is an organization that is often disconnected from the network, the topics are difficult to understand.

Branding in libraries: Identifying key requirements and dimensions to provide a conceptual model

The purpose of this review is to explore factors affecting brand building in libraries. Based on the nine steps of the National Health Service (NHS) center for reviews and dissemination, articles on the subject of library branding were searched in nine Iranian databases and seven international databases. The search period includes all date range of databases until 7–22 January 2021. The results were assessed for quality and 44 English articles and 3 Persian articles were selected for further analysis. Factors in promoting libraries brand building fall five categories. They include library architecture, library information resources and services, librarians’ personal branding, marketing, and library management. Inhibiting factors in libraries brand building have two final categories including internal and external inhibiting factors to brand building. Internal inhibitors covered branding costs, lead-time for branding, effort for branding and its management, the difficulty of strategic brand planning, and library staff unpreparedness. External inhibitors covered the difficulties of branding in the digital age and the economic situation of the country. If libraries manage their brand and move toward rebranding in line with the new information environment, they will be able to survive in today’s competitive world and build their true value in relationship with users.

SIJAPIN Atasi Kebosanan PJJ Matematika Kelas VII A SMP Negeri 12 Semarang

Distance learning using information and communication technology brings some problems for some teachers in Indonesia, including the writer. Students learn independently without explanation from the teacher. This condition causes learning boredom for some students. SiJaPin (Sinau bareng Jateng Pintar) or Learning with Smart Central Java is an effort to overcome students boredom of Mathematics distance learning in Class VIIA SMP Negeri 12 Semarang . The implementation of SiJaPin is 1) Design and preparation stage 2) Implementation stage. The results of SiJaPin implementation are results of learning final evaluation, on the first day of learning, class VIIA students get an average score of 71.75 and 83.25 on the second day. Questionnaire of students' reflection on distance learning with SiJaPin: 18 students stated that they felt happy, 21 said they could overcome their boredom, and 10 said that they were motivated to learn. Supporting factors for the implementation of SiJaPin are the support from fellow teachers and principal, the enthusiasm of students, adequate facilities by the provided rooms, laptops, handphones and internet. Inhibiting factors for the implementation of SiJaPin 1) limitation of the teacher in monitoring internet signal, that makes students cannot hear teacher’s voice when starting the lessons, 2) the teacher is less careful that makes typing errors on the PPT slides, 3) lack of coordination on the previous days, 4) next lesson plan by video conference using attractive PPT.

Pemetaan Potensi Desa Ngesrepbalong Berbasis Masyarakat

Ngesrepbalong Village (Kendal) is considered feasible to be developed as a UNNES Assisted Village because it has various natural, social, economic, infrastructure, and institutional potentials. However, information about these potentials is still lacking. This community service activity aims to map the potential of the Ngesrepbalong Village area to be used for various interests, especially for development planning in the village. This service activity is carried out with a group-based approach (participatory mapping). The activities consist of socialization, increasing understanding and competence, implementing mapping activities, and handover mapping results. Mapping results show that the prominent potential in Ngesrepbalong Village is tourism potential. However, the problem of accessibility is one of the inhibiting factors for the development of this potential. The data and information obtained from the mapping of the potential of Ngesrepbalong Village can be used as material for consideration in preparing development plans or as the next target object for the implementation of further community service activities. Desa Ngesrepbalong (Kendal) dinilai layak untuk dikembangkan sebagai Desa Binaan UNNES karena memiliki beragam potensi alam, sosial, ekonomi, infrastruktur dan kelembagaan. Akan tetapi, informasi mengenai potensi-potensi tersebut masih kurang. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memetakan potensi wilayah Desa Ngesrepbalong agar dapat dimanfaatkan untuk berbagai kepentingan, terutama untuk perencanaan pembangunan di desa tersebut. Kegiatan pengabdian ini dilaksanakan dengan pendekatan berbasis kelompok, berbasis potensi lokal dan komprehensif. Tahapan kegiatan yang dilaksanakan meliputi sosialisasi, peningkatan pemahaman dan kompetensi, pelaksanaan kegiatan pemetaan, serta penyerahan hasil pemetaan. Hasil pemetaan menunjukkan bahwa potensi yang menonjol di Desa Ngesrepbalong adalah potensi wisata. Namun, permasalahan aksesibilitas menjadi salah satu faktor penghambat untuk pengembangan potensi tersebut. Data dan informasi yang diperoleh dari hasil pemetaan potensi Desa Ngesrepbalong dapat digunakan sebagai bahan pertimbangan untuk menyusun rencana pembangunan ataupun menjadi obyek sasaran berikutnya bagi pelaksanaan kegiatan pengabdian selanjutnya.

Why Some Young CHamorus Actively Learn the CHamoru Language While Others Do Not

For the generation of CHamorus who grew up without CHamoru language fluency, what the language means for their CHamoru identity is not entirely clear as there has not been a comprehensive study of their ethnolinguistic identity. This chapter explores how young CHamorus articulate their CHamoru identity in relation to the CHamoru language based on interviews with fourteen young CHamorus. The study provides a theoretical model, the CHamoru Identity Language Articulation Model (CHILAM), which identifies decision pathways and processes to explain why some young CHamorus actively learn the language while others do not. The model maps out the various motivating and inhibiting factors that influence participants' learning of the CHamoru language, which provides relevant information for CHamoru language advocates, policymakers, and teachers.

Implementation of Targhib And Tarhib Methods to Teach Aqidah and Akhlaq Subject in Madrasah

This study is aimed at investigating targib and tarhib method in terms of : planning, implementation, supporting and inhibiting factors for the implementation, evaluation and success rate of application. This research applied qualitative method using descriptive analytic. The data were collected using observation, interviews, and documentation. Data were analysed by selecting, sorting data obtained, analysing and drawing conclusions. The findings show that the planning was designed in terms of learning strategies, techniques and tactics in the document of lesson plan. The implementation was in accordance with the planning written in the learning steps in the document of lesson plan. The supporting factors included innovative and competent teachers in their fields, full support from the principal, support from the teacher council and school staff, and the availability of facilities and infrastructure. The inhibiting factors covered the differences in the students’ background and the location of the classrooms which is next to public roads and residents' houses. The evaluation was done by observing students’ attitudes and administering the oral tests in learning. The success rate of implementation can be seen from the increase in the students’ awareness to behave ahlak karimah in everyday life.

Pelaksanaan Tata Kelola Administrasi Data Kesiswaan Di Madrasah Tsanawiyah Darul Jannah Muara Burnai II

This study aims to see how far the system of implementing administrative governance is at Madrasah Tsawawiyah Darul Jannah Muara Burnai II, Ogan Komering Ilir Regency. This study aims to analyze, and describe the process of implementing the administrative governance of Ogan Komering Ilir Regency. The data collection technique uses observation, interviews, and documentation studies, and the data analysis uses reduction, data display, and drawing conclusions. The results obtained include the implementation of administrative governance at MTs Darul Jannah Muara Burnai II, through the planning process and service improvement carried out by the madrasa administration manager by analyzing the needs of madrasa residents at the end of each semester. make data on the submission of madrasa needs, in coordination with the head of the madrasa, then the manager and the head of the madrasa find the services needed. The inhibiting factors are the lack of infrastructure, personnel who are not in accordance with their educational background, and the rules that often change. while the supporting factors are, the existence of adequate resources, a conducive work climate and full of kinship, motivation, a high sense of responsibility, and dedication to work.

The evaluation of facilities and infrastructure standards achievement of vocational high school in the Special Region of Yogyakarta

The objectives of the study are to determine (1) the achievement of standard facilities and infrastructure for vocational high school in the Special Region of Yogyakarta, (2) the supporting factors for achieving the standard of facilities and infrastructure, and (3) the inhibiting factors for achieving the standard of facilities and infrastructure. This study employed an evaluation research method with a survey approach. The research sample was six vocational high schools in the Special Region of Yogyakarta, which was chosen through purposive sampling, taking into Cluster 1, Cluster 2, and Cluster 3. Data collection techniques used were Focused Group Discussion techniques, questionnaires, documents, observations, and interviews. The validity of the questionnaire instrument used expert validation. Analysis of quantitative data was conducted through descriptive analysis techniques and qualitative data with interactive analysis models. The results of the study show that (1) the standard of facilities shows that the average school data has met facilities and infrastructure standards, (2) the supporting factors for achieving the standard of facilities and infrastructure are (a) the principal's policy in developing facilities and infrastructure, (b) government support through programs to develop and achieve national education standards, (c) community support through school committees, (d) education board support, and (3) the inhibiting factors for achieving facilities and infrastructure standard are: (a) the lack of teacher media innovation developed in vocational high school; (b) the lack of maximization and maintenance of infrastructure in vocational high school; (c) the lack of support in classrooms and workshops, especially in the connectivity aspect.