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Dissertations / Theses on the topic 'Banks and banking, Mobile – Zimbabwe'

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Published: 4 June 2021
Last updated: 4 February 2022

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1

Munyengeterwa, Karyn. "Financial inclusion technologies and bank performance: insights from Zimbabwe's banking sector." Master's thesis, Faculty of Commerce, 2020. http://hdl.handle.net/11427/32849.

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The study examined the effect of financial inclusion technologies on the financial performance of Zimbabwean banks. The study employs ATM, mobile banking (MB), internet banking (IB) and point of sale (POS) transactions on the financial performance of banks as measured by return on assets. The study adopted the explanatory design and the target population of the study consisted of all the 13 commercial banks in Zimbabwe, with the study period being six years, from 2013 to 2018. The panel data was estimated using fixed and random effects. The findings of the research indicated that all the comme
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2

Madebwe, Charles. "An investigation into the role played by perceived security concerns in the adoption of mobile money services : a Zimbabwean case study." Thesis, Rhodes University, 2015. http://hdl.handle.net/10962/d1017933.

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The ubiquitous nature of mobile phones and their popularity has led to opportunistic value added services (VAS), such as mobile money, riding on this phenomenon to be implemented. Several studies have been done to find factors that influence the adoption of mobile money and other information systems. The thesis looks at factors determining the uptake of mobile money over cellular networks with a special emphasis on aspects relating to perceived security even though other factors namely perceived usefulness, perceived ease of use, perceived trust and perceived cost were also looked at. The rese
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3

Abel, Sanderson. "Measuring the performance of the banking sector in Zimbabwe." Thesis, Nelson Mandela Metropolitan University, 2016. http://hdl.handle.net/10948/5110.

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The measurement of the banking sector performance in Zimbabwe is motivated by the unique developments that typified the sector during the period 2009-2014 after emerging from an economic crisis. The Zimbabwean economy returned to stability and growth in 2009, after a decade long economic decline. Economic stability brought about growth in deposits, loans, assets, capitalization and profits during this period. The banking sector has been accused of excessive profiteering through overpricing their products, which culminated in the intervention by the authorities in the sector. The interest rates
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4

Chikoko, Laurine. "Liquidity risk management by Zimbabwean commercial banks." Thesis, Nelson Mandela Metropolitan University, 2012. http://hdl.handle.net/10948/d1020344.

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Macroeconomic and financial market developments in Zimbabwe since 2000 have led to an increase in many banks‟ overall exposure to liquidity risk. The thesis highlights the importance of understanding and building comprehensive liquidity frameworks as defenses against liquidity stress. This study explores liquidity and liquidity risk management practices as well as the linkages and factors that affected different types of liquidity in the Zimbabwean banking sector during the Zimbabwean dollar and multiple currency eras. The research sought to present a comprehensive analysis of Zimbabwean comme
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Mwanyisa, Tafadzwa. "The relevance of relationship marketing on the sustainability of Zimbabwe banks." Thesis, Nelson Mandela Metropolitan University, 2012. http://hdl.handle.net/10948/1610.

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Mass marketing also referred to as traditional marketing, has been criticised for trying to appeal to everyone, without necessarily providing for customers’ needs and wants. Therefore, the traditional marketing mix has been deemed ineffectual in a highly competitive and ever-changing business world, especially in the banking sector. Changes in the marketing environment have led to the development of new concepts such as relationship marketing. The fundamental concept of relationship marketing involves maximising the longterm benefits for the bank and the customer, resulting in a series of tran
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6

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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7

Majoma, Munyaradzi Laurel. "The role of branchless banking in smallholder agriculture in Zimbabwe." Diss., University of Pretoria, 2016. http://hdl.handle.net/2263/60828.

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Access to financial services from financial institutions has often proved to be one of the major constraints to rural and smallholder agricultural development in Zimbabwe. However, the ICT revolution across the world leading to the development of branchless banking options has brought new financial inclusion opportunities in the rural areas. The purpose of this study was to determine the role of branchless banking in smallholder agriculture through investigating the user patterns and adoption rate of mobile banking by rural farmers in Zimbabwe. Zvimba District was used as the case study while
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8

Mujuru, Takunda Arthur. "Realising partnership needs : a grounded theory of mobile banking service providers in Zimbabwe." Master's thesis, University of Cape Town, 2013. http://hdl.handle.net/11427/5667.

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Includes abstract.<br>Includes bibliographical references.<br>Mobile banking in Zimbabwe as a new phenomenon has been generally unexploredacademically. The infant industry has seen various stakeholders step up to partake in thedevelopment of mobile banking services with various renditions of the phenomenonsurfacing. The coming together of the stakeholders from different backgrounds has not beenwithout complications. This study employs the Classic Grounded Theory methodology in aneffort to discover the main concerns of the stakeholders involved in the development ofmobile banking in Zimbabwe. T
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Alalwan, Ali Abdallah. "Consumer adoption of self-service technologies in Jordan : factors influencing the use of internet banking, mobile banking, and telebanking." Thesis, Swansea University, 2015. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.678270.

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The fundamental aim of this thesis is to propose and examine a conceptual model that best explains the key factors influencing Jordanian customers' intentions and usage of SST banking channels: Internet banking, Mobile banking, and Telebanking.
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10

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.

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Thesis (MTech (Information Technology))--Cape Peninsula University of Technology, 2009<br>The 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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Nel, Jacques. "Cellphone banking adoption and continuance of use in an internet banking context : a study of consumers'cross-channel cognitive evaluations." Thesis, Stellenbosch : Stellenbosch University, 2013. http://hdl.handle.net/10019.1/80290.

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Thesis (PhD)--Stellenbosch University, 2013.<br>ENGLISH ABSTRACT: The convergence of the Internet, wireless technologies, and mobile devices has led to the development of a new paradigm of transacting, namely, mobile commerce. Because banking activities are easily digitised and automated, banks have seized the mobile transacting opportunity and have developed cellphone banking applications that allow more flexibility for bank clients than internet banking in terms of anywhere, anytime banking. For banks, considering the benefits associated with multi-channel customers, the ideal situatio
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12

Luo, Xin. "An empirical investigation of trying and trust toward mobile banking adoption a crosscultural analysis of Chinese and United States users /." Diss., Mississippi State : Mississippi State University, 2007. http://sun.library.msstate.edu/ETD-db/ETD-browse/browse.

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13

Muntermann, Jan. "Event-driven mobile financial Information-Services : design of an intraday decision support System /." Wiesbaden : Dt. Univ.-Verl, 2007. http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&doc_number=016494719&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA.

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14

De, Villiers Casper. "A case study to examine the use of SMS-based transactional alerts in the banking sector in South Africa." Thesis, Stellenbosch : University of Stellenbosch, 2010. http://hdl.handle.net/10019.1/962.

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Thesis (MBA (Business Management))--University of Stellenbosch, 2010.<br>ENGLISH ABSTRACT: The mobile phone has not only changed the way the world works today, but also changed the direction the world is moving toward. The mobile phone changed the face of communication and enabled more people to reach more other people than ever before. The big four banks in South Africa represent 83.5 per cent of the total asset value of all banks in South Africa. Traditionally, banking customers (or potential customers) could be reached through the current 2 786 branches, 19 451 ATMs and potentially 4.59 mi
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Fernandes, André Luis Milagres. "Fatores que influenciam a intenção de uso da moeda social digital: um experimento de campo." reponame:Repositório Institucional do FGV, 2018. http://hdl.handle.net/10438/24533.

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Munongo, Shallone. "Social media and mobile money adoption: comparative evidence from South Africa and Zimbabwe." Thesis, 2019. http://hdl.handle.net/10500/26488.

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Abstract in English, Afrikaans and Zulu<br>The study investigated the effects of social media on mobile money adoption in South Africa and Zimbabwe. The main gap identified in empirical literature is the omission of social media use in technology adoption models and social networking theories. While some theories acknowledge the role of social influences in technology adoption, the social interactions considered therein are not mediated through the internet as is social media. Furthermore, no empirical study has to date focused on how social media influences mobile money technology adoption. T
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Shambare, Richardson. "Predicting consumer preference for remote banking services in South Africa and Zimbabwe: the role of consumer perceptions versus personality variables." 2012. http://encore.tut.ac.za/iii/cpro/DigitalItemViewPage.external?sp=1000265.

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D.Tech. Business Administration. Business School.<br>Looks at the usage and adoption patterns of three banking technologies (automatic teller machines (ATMs), cell phone banking, and electronic funds transfer at point of sale (EFTPoS)) in two Southern Africa Development Community (SADC) countries - South Africa and Zimbabwe.
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18

Tahwa, Felistas Sophie. "A review of the policy and regulatory environment of mobile banking in Zimbabwe." Thesis, 2014.

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Thesis (M.M. (ICT Policy and Regulation))--University of the Witwatersrand, Faculty of Commerce, Law and Management, Graduate School of Public and Development Management, 2013.<br>The dynamics in technology have ushered in innovative products such as mobile banking. It has been taken up by other economies such as Kenya, Philippines and others, each coming up with different results. The purpose of this qualitative research is to analyse and evaluate the impact of policy and regulation on the propagation of mobile banking generally but particularly in the Zimbabwe context. Findings of the resear
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19

Zungunde, Matildah. "The multi-dimensionality of trustworthiness of banks midst a confidence crisis : the case of retail banks in Zimbabwe." Thesis, 2018. http://hdl.handle.net/10500/25058.

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The strategic importance of a well-established banking sector in an economy and the pivotal role trust plays in this sector is well-documented in banking literature. Given this accepted importance of trust, it is surprising that some banks are still exhibiting more signals of distrust than of trust as expected, shattering consumer trust and confidence in the process. In response, governments, through their central banks, occasionally resort to implementing policies that focus heavily on regulation and control. These interventions are usually designed to restore consumer confidence in the banks
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20

Zhungu, Lovejoy. "Changes in the customer interface at Zimbabwe Banking Corporation Limited (ZIMBANK) between 1995 and 2003 in the Harare consumer area as a result of new product development and implementation." Thesis, 2003. http://hdl.handle.net/10413/4120.

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This study seeks to establish whether the introduction of new products between 1995 and 2003 created value for the customers and if the bank's key performance indicators such as profitability and market share improved as a result. The research also intends to identify the benefits and problems associated with development and introduction of new products in the banking sector, and whether or not the benefits are worth the effort and resources invested. Literature on segmentation, product development and customer care, from popular authors such as Kotler were applied. Subjects used were 29 Zimba
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21

Kainga, Andrew. "Market segmentation and strategic implications in a deregulated banking services sector in Zimbabwe." Thesis, 2003. http://hdl.handle.net/10413/2308.

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This report presents the summary of findings of African Banking Corporation Zimbabwe Market segment. The overall objective of using a market segmentation strategy IS to Improve your company's competitive position and better serve the needs of your customers. Some specific objectives may include increased sales, improved market share and enhanced image. There are five major benefits of market segmentation analysis and strategy: • Designing responsive products to meet the needs of the market place • Developing effective and cost-efficient promotional tactics & campaigns • Gauging your company's
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22

Muir, Clarissa. "ABSA'S implementation of mobile banking as a value-added mobile business offering." Thesis, 2008. http://hdl.handle.net/10210/622.

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A new economic order has developed that is referred to as the New Economy and has brought about a shift in focus from manufactured goods and services to an economy that places emphasis on knowledge and the application thereof within a specific context (Leung, 2002). Furthermore, this economy places emphasis on the saliency of information and how it can be used as a competitive and commercial tool. The New Economy is characterised by a unique consumer that functions within it called the New Consumer and this individual functions as a ubiquitous entity that is always on as this individual uses m
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23

Muthinja, Moses Mwenda. "Financial innovations and bank performance in Kenya: evidence from branchless banking models." Thesis, 2016. http://hdl.handle.net/10539/21983.

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PhD (Finance), School of Economic and Business Sciences, UNIVERSITY OF THE WITWATERSRAND, JOHANNESBURG 8th June, 2016<br>This study examines the relationship between financial innovation and financial performance of commercial banks in Kenya, as well as the drivers of financial innovations at both firm and macro levels. The financial innovations covered are the branchless banking models, which represent a departure from the traditional branch-based banking. More specifically, the financial innovations covered are: Mobile banking, agency banking, internet banking and Automated Teller Mach
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Kashora, Trust. "The effect of the application of "E"-communication on commercial banking in Zimbabwe." Diss., 2005. http://hdl.handle.net/10500/1461.

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This study investigates to what extent "e"-communication is used successfully by Zimbabwean commercial banks. The study was done using the literature survey method and the questionnaire. The closed and open-ended questionnaires used for gathering data were administered personally by the researcher leading to 99% return rate of questionnaires. The major conclusions from this study are that "e"-communication is widely adopted by the commercial banks in Zimbabwe, examples being the use of email, statement enquiries or bill payment services. Recommendations drawn from this research are that comme
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25

"A prototype to improve the security and integrity of mobile banking." Thesis, 2015. http://hdl.handle.net/10210/13812.

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M.Sc. (Computer Science)<br>In the rapidly evolving world that we live in, the methods by which items are purchased are starting to be revolutionized. In a developing country such as South Africa, financial institutions within the banking sector are starting to implement their own systems or processes to process bank transactions. These processes include the identification and authentication of bank transactions, as well as the validation of the integrity of bank transactions between buyer and merchant. The changing of these processes by the banking sector could be viewed as a result of the in
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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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Mamvura, Douglas. "A comparative study of how banks responded to a turbulent and chaotic environment in Zimbabwe, 2000 – 2008." Thesis, 2015. http://hdl.handle.net/10500/19167.

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The concept of strategy has advanced significantly from when the emphasis fell on comprehensive, systematic and rational planning. However, many of the assumptions that were embedded in traditional strategy models were deemed to be inadequate and outdated as we approached a new competitive milieu (Maritz, 2010). Strategic Management is still a comparatively young field and the existing toolbox of concepts and techniques remains woefully inadequate (Grant, 2010). This reality should force a re-examination of the traditional strategy paradigms (Maritz, 2010). The literature review has confirmed
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Mbele-Sibotshiwe, Thando. "A study of the perceptions and adoption of Mobile Payment Platforms by entrepreneurs in Zimbabwe's informal economy." Thesis, 2014.

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Thesis (M.M. (Entrepreneurship and New Venture Creation))--University of the Witwatersrand, Faculty of Commerce, Law and Management, Graduate School of Business Administration, 2013.<br>With the growth of developing nations there has also been a growth in the need to recognize entrepreneurship and market-driven solutions as tools that can be used to bring the people in these developing nations out of poverty. If technology is widely adopted and accepted in a society, the long-term impact on that society can be more effective than any other social force. A great example of this phenomenon is th
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Maduku, Daniel Kofi. "Understanding retail bank customers’ attitude towards and usage of cell phone and internet banking services in Gauteng, South Africa." Thesis, 2012. http://hdl.handle.net/10210/8029.

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M.Comm.<br>This dissertation reports on the findings of a study conducted in order to understand the factors that impact on retail bank customers‘ attitudes towards and usage of internet and cell phone banking services in Gauteng, South Africa. A conceptual model based on the Technology Acceptance Model (TAM) plus other variables including trust, subjective norm and demographic variables was used to help understand factors that impact on adoption of electronic banking. Data was collected from customers of the four biggest banks in South Africa namely ABSA, Standard Bank, First National Bank an
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Musengi, Daniel. "Adoption of mobile banking by low-income earners in Tembisa and Alexandra townships." 2013. http://encore.tut.ac.za/iii/cpro/DigitalItemViewPage.external?sp=1001311.

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M. Tech. Business Administration<br>The aim of this research is to investigate the extent of mobile banking usage among low-income people in Johannesburg. A descriptive design was conducted; data by means of a survey, using self-administered questionnaires, was collected from the inhabitants of the informal settlements of Tembisa and Alexandra Townships in Johannesburg. This represented a total population of about 6000 households. From which, a sample of 200 households was systematically selected randomly.
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Wang, Chen-yi, and 王振伊. "Mobile Banking Service and Efficiency of Banks: The Application of Network DEA and Tobit Regression." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/p96u2j.

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碩士<br>國立臺灣科技大學<br>科技管理所<br>100<br>To evaluate the performance of mobile banking-related (or mbanking-related) service process, the new methodology of Data Envelopment Analysis (DEA)—“Two-Stage Network DEA” combined with “Network-Based Ranking Method”—is adopted in this research, including Tobit Regression Analysis. In fact, bankers had launched STK and WAP mbanking since 1999, only to find failures because of few users. Nevertheless, with the popularity of 3G telecommunication and smart phones, people’s consumption styles have been changing very much. Bankers have started promoting APP mbankin
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Mariemuthu, Clayton. "The adoption of artificial intelligence by South African banking firms: a Technology, Organisation and Environment (TOE) framework." Thesis, 2019. https://hdl.handle.net/10539/29818.

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A research report submitted in partial fulfilment of the requirements for the degree of Master of Commerce in the field of Information Systems<br>Artificial intelligence (AI) is the creation of intelligent machines that have the ability to work and act like humans and comprises various technologies. AI-powered technology is having a transformative effect on industries such as banking. This study investigated the adoption of AI technologies by South African banking firms. The investigation into the factors that explain the current extent of adoption was focused through the lens of the Technolo
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Ndlovu, Sifiso W. "The influence of demographic factors on perceptions of mobile banking." Thesis, 2013. http://hdl.handle.net/10210/8504.

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M.Comm. (Information Technology Management)<br>The advancement of technology in mobile devices, places South African banking institutions in unique positions to leverage these advancements into innovative, value-added services. Mobile banking is one such innovation that has afforded banking clients the ability to - amongst other services - view bank statements, pay bills, and transfer money. Despite a growing trend towards mobile banking service offerings by South African banks, privacy and security issues are still considered a concern. This dissertation conceptualises the influence of demogr
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Dzikiti, Weston. "Banking sector, stock market development and economic growth in Zimbabwe : a multivariate causality framework." Diss., 2017. http://hdl.handle.net/10500/22818.

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The thesis examined the comprehensive causal relationship between the banking sector, stock market development and economic growth in a multi-variate framework using Zimbabwean time series data from 1988 to 2015. Three banking sector development proxies (total financial sector credit, banking credit to private sector and broad money M3) and three stock market development proxies (stock market capitalization, value traded and turnover ratio) were employed to estimate both long and short run relationships between banking sector, stock market and economic growth in Zimbabwe. The study employs the
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Moyo, Delani. "A critical analysis of how CBZ Bank Ltd can gain competitiveness, sustenance and growth in the hyper-inflationary environment." Thesis, 2006. http://hdl.handle.net/10413/9928.

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The aim of the study was to determine whether CBZ Bank's strategic intent was aligned to action on the ground and how the bank could consolidate its competitiveness in the market. Organisations in the services industry rely on their human resources to manage other resources in order to deliver superior service. The employees are also responsible for executing operational strategies on the ground and getting feedback directly from the market. Branch employees are directly in the competition zone and they can provide invaluable insight into the competitive dynamics of the banking industry. In or
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Tshabalala, Thobile. "The impact of mobile banking on the bottom of the pyramid consumers in South Africa." Thesis, 2017. http://hdl.handle.net/10539/23647.

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A research report submitted to the Faculty of Commerce, Law and Management, University of the Witwatersrand, Johannesburg in partial fulfilment of the requirements for the degree of Master of Management in the field of Strategic Marketing<br>Menstrual Hygiene Management is a process of keeping clean by girls and women through washing, changing and disposal of sanitary protection during their monthly periods. When schools provide a conducive environment for girls to manage their menses, girls become empowered and confident to participate in education without fear and embarrassment.
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Kruger, Graunt. "Turning on the townships: a study of discourses of financial inclusion in South Africa." Thesis, 2016. http://hdl.handle.net/10539/21138.

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thesis submitted to the Faculty of Commerce, Law and Management, University of the Witwatersrand, Johannesburg, South Africa in fulfilment of the requirements for the degree of Doctor of Philosophy (PhD) Johannesburg, August 2015<br>Financial inclusion is promoted as an important economic development program to solve the lack of access to formal financial services for billions of people around the world. The concept “financial inclusion” has entered mainstream business and development discourses as an all-encompassing term for innovation in financial services for the poor. South African
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Mungwini, Mercy. "Business strategies of organisations in a challenging economy : the case of mobile company X Zimbabwe (MCXZ)." Diss., 2018. http://hdl.handle.net/10500/25134.

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This study sought to establish the business strategies employed by Mobile Company X Zimbabwe (MCXZ) for it to survive the challenging economy. A qualitative research and a case-based approach involving MCXZ were used. Semi-structured interviews and secondary data were used to produce qualitative data and for triangulation of findings. Data was analysed and managed through qualitative coding and Atlas.ti program. The findings of the study showed that MCXZ employed growth business strategies through market penetration, product development, market development and strategic alliances. In additio
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Chavarika, Gugu Valerie. "The influence of motives on consumer attitudes toward participating in co-creation activities: a study on digital banking in South Africa." Thesis, 2016. http://hdl.handle.net/10539/21985.

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A DISSERTATION Submitted in full fulfilment of the requirements for the degree of Master of Commerce (Marketing) at the UNIVERSITY OF THE WITWATERSRAND 2016<br>The financial services sector in South Africa is known for its innovative capability worldwide. Although ‘concentrated’ with few major players, the banking sector remains competitive as each bank continues to broaden its products and services to attract new customers and satisfy its existing client base. Therefore, it is of interest for banks to examine how to motivate consumers to take part in co-creation activities and develop f
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Perlman, Leon Joseph. "Legal and regulatory aspects of mobile financial services." Thesis, 2012. http://hdl.handle.net/10500/13362.

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The thesis deals with the emergence of bank and non-bank entities that provide a range of unique transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked, underserved and underbanked persons via mobile phones. Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’ services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’ services from banks. All involve the concept of ‘bran
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Agyepong, Stephen. "Towards an ICT artefact for financial inclusion in Ghana: a critical realist perspective." Thesis, 2018. http://hdl.handle.net/10500/25350.

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Financial exclusion is a major developmental problem. Perception has it that financial exclusion emanates from the lack of access to banking and financial services, and the general understanding is that ICT-based access to such services is the solution. In this research, which was undertaken in Ghana, Critical Realism (CR) revealed deeper causes (generative mechanisms) that underlie financial exclusion. The research followed a mixed-method approach. The CR approach guided the research to create an initial model from which hypotheses were deduced and tested; the design science approach,
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Dambaza, Marx. "Credit risk measurement model for small and medium enterprises : the case of Zimbabwe." Thesis, 2020. http://hdl.handle.net/10500/26765.

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Abstracts in English, Zulu and Southern Sotho<br>The advent of Basel II Capital Accord has revolutionised credit risk measurement (CRM) to the extent that the once “perceived riskier bank assets” are now accommodated for lending. The Small and Medium Enterprise (SME) sector has been traditionally perceived as a riskier and unprofitable asset for lending activity by Commercial Banks, in particular. But empirical studies on the implementation of the Basel II internal-ratings-based (IRB) framework have demonstrated that SME credit risk is measurable. Banks are still finding it difficult to foreca
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Macamo, Monica Aniceto. "The effects of culture, values, diffusion of innovation and technology acceptance on attitudes towards digital banking adoption." Thesis, 2020. http://hdl.handle.net/10500/27307.

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Abstracts in English, Afrikaans, Zulu, Tsonga and Portuguese<br>The purpose of the study was to develop a model of attitudes toward digital banking, by exploring the relationship between values, culture, the diffusion of innovation and the Technology Acceptance. In addition, actual behaviour in the use of digital banking, as well as the moderating effects of gender, age, education level, income, and urban versus rural backgrounds, was included to provide additional insights into the financial services market in Maputo, Mozambique. A quantitative survey with a convenience sample (n = 403) of ba
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