Relevant bibliographies by topics / South african banking

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'South african banking'

Author: Grafiati
Published: 4 June 2021
Last updated: 18 February 2022

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Journal articles on the topic "South african banking"

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Dzomira, Shewangu. "Internet banking fraud alertness in the banking sector: South Africa." Banks and Bank Systems 12, no. 1 (April 26, 2017): 143–51. http://dx.doi.org/10.21511/bbs.12(1-1).2017.07.

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This paper analyzes internet banking fraud alertness to the general public by the South African banking institutions. The study is centered on routine activity theory, which is a criminology theory. A qualitative content analysis was used as the research technique for the interpretation of the text data from each bank’s website through the systematic classification process of coding and identifying themes or patterns to provide an in-depth understanding of internet banking fraud alertness in the banking sector. A sample size of 13 out of 16 locally and foreign controlled retail banks in South Africa was used. The findings report that banks are not adequately providing internet fraud alertness information to the general public on their websites notwithstanding that most banks they do provide such information to log-in users and the use of that information is doubtful. This study suggests a need to augment internet banking fraud alertness information and passably inform internet banking users of the types of internet banking fraud perpetrated by internet fraudsters before they log-in for transacting. Considering the current and widespread quandary of internet banking fraud, the information of this paper is important for internet banking users to improve their aptitude in identifying fraudulent schemes and circumvent them, and for the banking institutions to invest more in the provision of internet banking fraud information to the general public.
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Bongazana Dondolo, Hilda, and Nkosivile Welcome Madinga. "Ease of use, security concerns and attitudes as antecedents of customer satisfaction in ATM banking." Banks and Bank Systems 11, no. 4 (December 22, 2016): 122–26. http://dx.doi.org/10.21511/bbs.11(4-1).2016.02.

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This study examines the influence of ease of use, security concerns and attitudes on South African consumers’ satisfaction with ATM banking services. Participants of the study were solicited through electronic mailing list of ATM users in South Africa. These participants were provided with a website link that directed them to an online survey hosted by Qualtrics. A total of 224 participants from the various provinces of South Africa responded. This study confirms that customer satisfaction is linked to security concerns, attitudes and ease of use. Overall, the results indicate that the respondents were satisfied with ATM banking services. Since there is a shortage of research on customer satisfaction with ATM banking services in South Africa, an area often neglected by South African researchers, this study contributes to knowledge available in the existing literature. Keywords: ATM banking, customer satisfaction, ease of use, security, attitudes. JEL Classification: G21, M31
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Maniraj Singh, Anesh. "Trends in South African Internet banking." Aslib Proceedings 56, no. 3 (June 2004): 187–96. http://dx.doi.org/10.1108/00012530410539368.

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C, Aguidissou O., Richard Shambare, and Rugimbana R. "Internet Banking Adoption in South Africa: The Mediating Role of Consumer Readiness." Journal of Economics and Behavioral Studies 9, no. 5(J) (October 20, 2017): 6–17. http://dx.doi.org/10.22610/jebs.v9i5(j).1905.

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The recent rapid development of Internet banking (IB) around the world is not without certain challenges. For instance while a majority of banking SSTs (Self Service Technologies, e.g. ATMs and debit cards) have been well received by the South African market, consumers seem sceptical towards Internet banking. This paper seeks to test various conceptual frameworks of consumer adoption patterns of IB with the view of a framework with the greatest explanatory power for the South African market. To achieve the stated objective of a framework for IB adoption in South Africa, this paper suggests an approach not yet undertaken, according to the literature review conducted, within the South African retail banking industry – investigating a comparison of the predictive efficacy of two common groupings of variables most cited in the consumer behaviour literature as important determinants of adoptive behaviour in SSTs. These are: perceptions of innovation characteristics and consumer readiness (CR) variables. Therefore, the primary objective of this article is the consideration of this gap within the body of knowledge around South African consumers’ IB adoption behaviour. Through a descriptive quantitative analysis of 1516 large sample size, innovation characteristics as consumer’s perceptions (complexity, perceived risk notably) or views (endogenous variables) were found with greatest predictive power over IB adoption, in the South African consumer market context. This finding is therefore for marketers (particularly in South Africa) a set of useful tools that can be relevant to promote the adoption of IB.
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C, Aguidissou O., Richard Shambare, and Rugimbana R. "Internet Banking Adoption in South Africa: The Mediating Role of Consumer Readiness." Journal of Economics and Behavioral Studies 9, no. 5 (October 20, 2017): 6. http://dx.doi.org/10.22610/jebs.v9i5.1905.

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The recent rapid development of Internet banking (IB) around the world is not without certain challenges. For instance while a majority of banking SSTs (Self Service Technologies, e.g. ATMs and debit cards) have been well received by the South African market, consumers seem sceptical towards Internet banking. This paper seeks to test various conceptual frameworks of consumer adoption patterns of IB with the view of a framework with the greatest explanatory power for the South African market. To achieve the stated objective of a framework for IB adoption in South Africa, this paper suggests an approach not yet undertaken, according to the literature review conducted, within the South African retail banking industry – investigating a comparison of the predictive efficacy of two common groupings of variables most cited in the consumer behaviour literature as important determinants of adoptive behaviour in SSTs. These are: perceptions of innovation characteristics and consumer readiness (CR) variables. Therefore, the primary objective of this article is the consideration of this gap within the body of knowledge around South African consumers’ IB adoption behaviour. Through a descriptive quantitative analysis of 1516 large sample size, innovation characteristics as consumer’s perceptions (complexity, perceived risk notably) or views (endogenous variables) were found with greatest predictive power over IB adoption, in the South African consumer market context. This finding is therefore for marketers (particularly in South Africa) a set of useful tools that can be relevant to promote the adoption of IB.
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Simatele, Munacinga, Syden Mishi, and Nomasomi Ngonyama. "Structure and profitability in the banking sector." Banks and Bank Systems 13, no. 1 (February 13, 2018): 49–59. http://dx.doi.org/10.21511/bbs.13(1).2018.05.

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The relationship between profit and bank market structure continues to raise questions amongst both policy makers and researchers. While some evidence supports a positive relationship between market structure, competition and profitability, other evidence seems to support the fact that profitability and related market share result from efficiency. Moreover, extant literature on South Africa is conflicting and seems to contradict anecdotal evidence. While some studies point to a competitive environment despite concentration, others suggest that concentration in the banking sector is harmful. Prosecution of banks for uncompetitive behavior also casts doubt on the conclusion that the South African banking sector is competitive. This paper examines the relationship between structure and conduct in the South African banking sector. Using the Berger (1995) discriminating tests, the effect of industry concentration, market share and efficiency on three measures of profitability is estimated on a panel of 11 South African banks for data between 1994 and 2016. The results show that concentration affects conduct. The profit-structure relationship is dominantly explained by the structure conduct hypothesis and partly by the efficient scale hypothesis. These results suggest that policy which discourages concentration and promotes competition in the banking sector is socially beneficial.
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Kholvadia, Faatima. "Islamic banking in South Africa – form over substance?" Meditari Accountancy Research 25, no. 1 (April 10, 2017): 65–81. http://dx.doi.org/10.1108/medar-02-2016-0030.

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Purpose The purpose of this study is to understand the economic substance of Islamic banking transactions in South Africa and to analyse whether the economic substance is closely related to the legal form. Additionally, this study highlights the similarities and differences in the execution of Islamic banking transactions across different South African banks. The transactions analysed are deposit products of qard and Mudarabah and financing products of Murabaha, Ijarah and diminishing Musharaka. Design/methodology/approach The study was conducted through interviews with representatives from each of the four South African banks that offers Islamic banking products. Interviews were semi-structured and allowed interviewees to voice their perspectives, increasing the validity of the interviews. Findings The study found that specific Shariah requirements of Islamic banking transactions are considered and included in the legal structure of the contracts by all four banks offering Islamic banking products. However, the economic reality of these transactions was often significantly different from its legal form and was found to, economically, replicate conventional banking transactions. The study also found that all four banks offer Islamic banking products under the same Shariah principles, but in some instances (e.g. diminishing Musharaka), execute these transactions in different ways. This study is the first of its kind in South Africa. Research limitations/implications While safeguards have been used to ensure the reliability and validity of the research, there remain a few inherent limitations which should be noted: interviewees, while chosen for their expertise and level of knowledge, may provide highly technical insight which may be difficult to interpret. Detailed technicalities were therefore excluded from this research. The regulatory environment of banks in South Africa, for example, regulation imposed by the Financial Service Board on all financial institutions in South Africa, has not been explored. However, the regulatory environment was brought to the readers’ attention to help illustrate certain themes. This research uses only Shariah requirements as detailed in Section 2.2 to analyse transactions. Fatwas (rulings) issued by the Shariah Boards of South African Islamic banks have not been included in this study and may be an area of future research. Originality/value This study is the first of its kind in South Africa. The study adds to the Islamic banking literature by analysing the real execution of Islamic banking transactions rather than the theoretical compliance with Shariah law.
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Crafford, Wessel Lourens, Frederik J. Mostert, and Jan Hendrik Mostert. "Liquidity management by South African banks." Corporate Ownership and Control 9, no. 3 (2012): 52–58. http://dx.doi.org/10.22495/cocv9i3art4.

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The management of liquidity is of prime importance to banks. This management process should be carefully planned and continuously managed to master a global and/or national financial crisis. The objective of this research paper embodies the improvement of financial decision-making by banks regarding the management of their liquidity. To achieve this objective, a literature study was initially done. An empirical survey followed thereafter, focusing on the 10 biggest banks in South Africa. They are the leaders of the South African banking industry, and as South Africa is a developing country with an emerging market economy, the conclusions of the study may also be valuable to banking industries of similar countries. The importance of the liquidity management factors, the problem areas surrounding this topic, as well as how often the requirements are adjusted to ensure proper and effective liquidity management are addressed.
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Ajibade, Patrick, and Stephen M. Mutula. "Big data, 4IR and electronic banking and banking systems applications in South Africa and Nigeria." Banks and Bank Systems 15, no. 2 (June 24, 2020): 187–99. http://dx.doi.org/10.21511/bbs.15(2).2020.17.

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Efficient banking solutions are an integral part of the business integration of South African and Nigerian economies as the two largest economies in the continent. Security, effectiveness, and integration of banking systems are critical to the sustainable development of the African continent. Therefore, an empirical analysis of the production of research on banking services and systems was conducted. The aim of the study was to examine the robustness of the research findings on banking systems in terms of their importance for the economic sustainability of the continent in the era of the fourth industrial revolution. The study adopted a bibliometric analysis using software clusters to visualize the results. Due to higher visibility of outputs and likely citations, the results showed that the key terms from Google Scholar are ranked higher than outputs from Scopus. Main research interests were related to internet banking (f = 70), e-payment systems (f = 57), telephone banking (f = 56), automated teller machines (f = 54), and mobile banking (f = 40). The results also showed a very low research interest in the technical aspect of online banking services such as security (f = 19, TLS = 40), authentication (f = 17, TLS =33), network security (f =13, TLS = 33), computer crime (f = 16, TLS = 42), and online banking (f = 11, TLS =32). The study found there were insufficient outputs in the area of the fourth industrial revolution (4IR) and banking services in Africa. Future research trends should examine the impact of the 4IR and big data on the banking system, regional economic integration, and sustainable growth in the continent.
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Coetzee, Johan. "Client-Centricity In South African Retail Banking." International Business & Economics Research Journal (IBER) 13, no. 5 (August 23, 2014): 997. http://dx.doi.org/10.19030/iber.v13i5.8767.

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Client-centricity deals with addressing the needs of clients as they change. It requires contact-personnel who are empowered to not only identify client needs, but address them speedily. This study investigated the perceptions of client-centricity for 559 contact-personnel at three major South African retail banks in central South Africa. The results indicate that in general the contact personnel regard their respective banks as enforcing a client-centric strategy. They do however feel that the support from administrative personnel and the processes that support the sales environment are not always conducive to client-centric principles. This is a particular problem as contact-personnel are attuned to addressing the sales-related product and service offerings of clients as opposed to the process-related administrative burdens attached to the delivery of such products and services. The study also found that the job function of contact-personnel is the most important factor to consider when developing a client-centric strategy. Further to this, contact-personnel with the longest number of years of experience in a specific function are the best to use for management when determining whether or not specific tools to achieve client-centricity are effective. The major contribution of the study is that it focuses specifically on the perceptions of contact-personnel and thus provides additional knowledge of what the bank (through its client-facing staff) itself considers important with regards to client-centricity.
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Dissertations / Theses on the topic "South african banking"

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Khumalo, Mahlomola. "How South African banking sector facilitates South African foreign direct investment into Sub-Saharan Africa." Thesis, Stellenbosch : Stellenbosch University, 2008. http://hdl.handle.net/10019.1/8445.

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Thesis (MDF)--Stellenbosch University, 2008.
ENGLISH ABSTRACT: Currently, South Africa is a leading intra-continental foreign direct investor in Africa, in general, and in Sub-Saharan Africa, in particular. The internationalisation of South African enterprises has throughout the period following the advent of the new dispensation in 1994 assumed two forms: banking and non-banking cross-border expansions. These cross-border expansions have largely involved greenfield, merger and acquisition and joint venture types of investment. Increased trade between South Africa and the region and huge business and investment opportunities have been the pre-eminent motive forces behind the country's nonbanking and banking foreign direct investment drive into Sub-Saharan Africa. A number of studies have been conducted about South African general outward foreign direct investment, but none so specifically about the involvement of the South African multinational banks in this cross-border expansion by the country's multinational firms. In fact, no obvious and composite information is readily available about the "how" aspect of the involvement. It is the objective of this study therefore to investigate "how" South African banks with multinational behaviour have facilitated and continue to facilitate the way for South African foreign direct investment in Sub-Saharan Africa. The outcome of the research effort makes for an interesting discovery that demonstrates how South African banks indeed facilitate South African outward FDI flows into the Sub-Saharan region. A case study illustration in this research report clearly shows that banks, driven by their own foreign direct investment interests, were simultaneously facilitating and driving nonbanking foreign direct investment in the region. Benefits and costs are also accruing to firms and countries (host country and home country to a lesser degree) involved in the crossborder investment activities. South African outward foreign direct investment, although very important to Sub-Saharan Africa, has serious challenges to contend with in the region. Pockets of conflict and instability in some countries with lucrative opportunities continue to bedevil South African foreign direct investment. Policy and regulatory environments in some countries still remain to be a downside for the attraction of South African outward foreign direct investment, including banking foreign direct investment. Interestingly, South African govemment is keenly involved to ensure that trade and investment in Sub-Saharan Africa flow uninterruptedly without prejudicing any party. Trade and investment opportunities are indeed the key motives for South African outward foreign direct investment into Sub-Saharan Africa. The ''follow-your-client'' paradigm is largely responsible for the South African multinational banks' drive across the border into the region. This ''follow-your-client'' concept in the South Africa foreign direct investment context and other related concepts must be further researched in much greater detail and wider approach. But this does not take away the essence and significance of this study which, amongst other things, provides a good foundation for future research undertakings.
AFRIKAANSE OPSOMMING: Huidiglik is Suid-Afrika die voorstander in die intra-kontinentale vaste buitelandse investering in Afrika in die algemeen en spesifiek in Sub-Sahara Afrika. Die internasionalisering van Suid-Afrikaanse besighede het na 1994 twee vorme aangeneem, t.w. die uitbreiding van bank- en nie-bankinvestering. Die uitbreiding sluit in samesmeltings en venootskappe van investeringsgeleenthede. Verhoogde handel, investeringsgeleenthede en besigheid tussen Suid-Afrika en Sub-Sahara Afrika was die dryfkrag agter die land se vaste buitelandse beleggings. Aigemene studies is gedoen van Suid-Afrikaanse buitelandse beleggings, maar niks so spesifiek soos die samewerking van Suid-Afrikaanse banke met die banke van buitelandse multinasionale firmas nie. Daar is geen inligting vrylik bekombaar oor die 'hoe' van die buitelandse beleggings nie. Die doel van hierdie studie is om juis te bepaal hoe Suid-Afrikaanse banke tans en op die pad vorentoe te werk gaan om vaste buitelandse investerings met multinasionale besighede in Sub-Sahara Afrika uit te brei. 'n Teoretiese grondslag van die debat, definisies en begrip van die konsep "vaste buitelandse investering" vorm deel van die ondersoek, waar beide primere en sekondere data gebruik is. Moeite is gedoen om te verseker dat die data en inligting wat gebruik is, gebaseer is op die "global research methodology", wat insluit vraelyste en elektroniese onderhoude. Hierdie terugvoering wys daarop dat Suid-Afrikaanse banke inderdaad pro-aktief is in die veld van uitwaardse vaste beleggings in die Sub-Sahara area. Banke doen nie net hul eie vaste buitelandse investerings nie, maar fasiliteer dit vir nie-bank vaste buitelandse beleggings. Dit lei tot voordele en kostebesparings vir firmas in die proses van beleggingsaktiwiteite. Alhoewel Suid-Afrikaanse vaste beleggings belangrik is vir ander Afrikastate, is daar ook heelwat slaggate om in ag te neem. Onstabiliteite in lande met aansienlike investeringspotensiaal maak dit moeilik vir Suid-Afrika om te investeer. In baie lande het reels en regulasies nog steeds 'n negatiewe invloed op buitelandse investerings, wat banke insluit. Handel en beleggingsgeleenthede is die motief vir Suid-Afrikaanse investering in SubSahara lande. Die gesegde "follow your client" is die dryfkrag agter die Suid-Afrikaanse banke om te investeer. Daar moet meer ondersoek gedoen word oor die "follow your client" konsep. Hierdie verslag is dus slegs 'n begin punt waarop daar uitgebrei moet word deur verdere ondersoeke.
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Patel, Aadil Suleman. "Development of the South African monetary banking sector and money market." Thesis, Rhodes University, 2005. http://hdl.handle.net/10962/d1002732.

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This thesis presents a theoretical analysis of developments in the South African monetary banking sector and money market. In the first section, evolution of the political, social and economic environments over the past few decades are discussed to provide the reader with an idea of some factors responsible for the underdeveloped nature of this market. It has been argued that the domestic political and economic landscape is relatively stable. Nevertheless, factors such as Zimbabwe’s political and ensuing economic turmoil, coupled with numerous financial crises in other developing nations have had negative consequences on domestic financial market development and economic growth. The current state of monetary policy is also analysed, within the economic environment, and various policy considerations have been put forth concerning the inflation targeting policy. The thesis then goes on to scrutinise the statutory and institutional environments within which the monetary banking institutions operate. Recent changes in the regulations governing the operations of these institutions are identified, together with the consequences of such laws on banking institutions and possible amendments have been suggested. In particular, a system of Asset Based Reserve Requirements (ABRR) has been recommended, in place of the current cash reserve requirement, to ensure regulators create a level playing field in the financial sector. The system can also provide authorities with the necessary control required to direct funds to the most desirable sectors of the economy. Development of the interbank market and the effect of reduced banking competition on the efficacy of the South African Reserve Bank’s refinancing operations and inflation targeting policy are also considered. Finally, the thesis analyses some effects of financial development on the South African economy, and whether it is in the best interests of the country to pursue financial reforms with such vigour. While financial development may bring South Africa closer to international standards of best practice, the timing and extent of the reforms will be critical to guarantee success.
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Du, Toit Johannes Gerhardus. "An overview of the relationship between the South Africa banking sector and the South African wine industry." Thesis, Stellenbosch : Stellenbosch University, 2006. http://hdl.handle.net/10019.1/50573.

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Thesis (MBA)--Stellenbosch University, 2006.
ENGLISH ABSTRACT: This study shows that a close relationship exists between the South African wine industry and South African financial institutions. Research indicated a need to understand the characteristics and complexity of the wine industry, as well as that of credit assessment. This is important for both industries to further develop and strengthen their relationships. SA WIS provides statistics about various aspects of the South African wine industry. The wine industry is characterised by a fragmented basis. To strategically focus the industry, the South African Wine and Brandy Company (SAWB) was established in 2002. In the application for finance it is important for the applicant to know how credit is evaluated by financial institutions, and which aspects are of importance in the application. One cannot predict the future. The credit assessor therefore bases his credit decision on historical financial data, with the assumption that the trend will continue unless there are indications to the contrary. A specific wine industry credit application and evaluation process is discussed in the study. The final decision is only as good as the analysis, and the analysis is only as good as the information gathered. This study thus provides evidence that with a better understanding of the South African wine industry, financial institutions will be able to assess credit risks better. Similarly, the wine industry will benefit by a better understanding of credit assessment when applying for finance. A detail SWOT analysis was done on this industry. A summary was done of the most important finance needs of the South Afican wine industry, compared to the financial products offered by the South African banking industry and the information required to do the credit assessment. The additional information that the wine industry can supply to help the assessor to assess the application, is also listed. The study closes with proposals to the South African wine and banking industries on what to implement, in an effort to achieve a better relationship.
AFRIKAANSE OPSOMMING: Die studie toon dat 'n verwantskap bestaan tussen die Suid-Afrikaanse wynindustrie en Suid-Afrikaanse finansiele instellings. Navorsing toon aan dat daar 'n behoefte bestaan om die karaktereienskappe en kompleksiteit van die wynindustrie te verstaan, sowel as die van krediet keuring. 'n Beter verstandhouding is nodig om die twee industriee se verwantskap te versterk. SAWIS verskaf statistieke oor 'n verskeidenheid van die wynindustrie se aktiwiteite. Die wynindustrie het 'n gefragmenteerde basis. Die Suid-Afrikaanse Wyn en Brandewyn Maatskappy (SAWB) is in 2002 gestig, juis ten doel om die bedryf strategies te fokus. Dit is belangrik vir 'n aansoeker van krediet om te verstaan hoe die finansiele instelling kredietaansoeke evalueer, asook watter aspekte belangrik is om aan te spreek in 'n kredietaansoek. Die toekoms kan nie met sekerheid bepaal word nie. Die kredietkeurder baseer dus sy kredietkeuring op historiese data, met die aanname dat die tendens sal aanhou, tensy daar aanduidings is van die teendeel. 'n Spesifieke wynindustrie kredietaansoek en evaluasieproses word bespreek in die studie. Die finale krediet besluit is slegs soos goed soos die analise en die analise op sy beurt is weer net so goed soos die inligting wat versamel is. Die studie bewys dus dat met 'n beter begrip van die Suid-Afrikaanse wynindustrie, finansiele instellings 'n beter kredietanalise evaluasie sal kan doen. Terselfdertyd sal die wynindustrie bevoordeel word deur beter te verstaan hoe kredietaansoeke geevalueer word wanneer vir finansiering aansoek gedoen word. 'n Detail SWOT-analise is op die bedryf gedoen. 'n Opsomming word gedoen van die mees algemene finansieringsbehoeftes in die wynbedryf, gemeet teenoor die finansiele produkte aangebied en inligting vereis deur die finansiele instellings. Addisionele inligting wat die wynbedryf kan bied ten einde die kredietkeurder te help om die aansoek beter te kan evalueer, word ook gelys. Die studie sluit af met voorstelle aan die Suid Afrikaanse wyn- en bank industriee wat geimplimenteer kan word teneinde 'n beter verhouding te bewerkstellig.
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Tsegay, Yared Teka. "Competition and market structure in the South African banking industry." University of the Western Cape, 2004. http://hdl.handle.net/11394/7884.

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Magister Commercii - MCom
The South African banking industry is relatively sound and adequately capitalized high-tech service industry. It provides services to 51% of the economically active population. In the late 2001, 2002 and,2003, a number of small banks failed·due to liquidity crises, which subsequently spurred the momentum of consolidation in the industry. During this period, a great deal of mergers and acquisitions has taken place in the industry. The regulatory environment is in line with the Bank of International Settlements (BIS) guidelines. The regulations regarding foreign banks are evidently a barrier to foreign bank entry, which could spur the level of competition in the industry In this thesis the level of market concentration is calculated using concentration ratios, CR. and CRs, for four product markets. The concentration ratio R. ranges from 77% for investment products, 79% for deposit market, 89% for installment sales market to 95% for credit card markets. The Herfindahl-Hirschman Index (RH!) as calculated by reserve bank is 1750 by the end of year 2002, compared with the thresholds set by American Department of Justice; this falls short by only 50 from the range of the highly concentrated markets, which is above 1800 points. The methodology used to test competition, one of the new empirical industrial organization models, is the Panzar-Rosse reduced form revenue function. The P-R reduced form revenue function estimates the competitive conduct by the extent to which changes in factor price is reflected in revenue. The reduced form revenue function is estimated based on unbalanced panel of 15 banks for the period of 1993 to 2002 using fixed effects panel data econometrics. The estimated H-statistic is 0.516,
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Sukhdeo, Bernice Lara. "Social axioms as antecedents of corporate reputation in South African banking." Thesis, University of Pretoria, 2020. http://hdl.handle.net/2263/79762.

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Reputation is an important customer choice criterion in banking, a sector characterised by intangible services and limited opportunity for pre-purchase evaluation. It has been shown that while companies may communicate their reputation in a particular way, responses to reputation stimuli are not homogeneous, resulting in calls in the literature to understand sources of variation in customer responses. This study investigated whether an individual’s social axioms, that is, an individual’s general beliefs about the world were such a source of individual difference and influenced corporate reputation and behavioural intention among middle-high income South African banking customers. Conceptualising corporate reputation as customer perceptions (beliefs and attitude) led to adoption of the reasoned action approach as the study’s theoretical basis. Each of the social axioms dimensions, namely, fate control, religiosity, reward for application, social complexity and social cynicism, was hypothesised to influence customers’ beliefs about their bank and behavioural intention. Following a deductive approach and adopting a positivistic paradigm, quantitative data was collected from 636 middle-high income customers of the top five South African retail banks using an online questionnaire. The conceptual model was tested using partial least squares structural equation modelling. The study’s results confirmed that social axioms are a source of individual difference, can explain variances in customers’ beliefs, and are therefore antecedents of corporate reputation. Reward for application has the strongest relationship with customers’ beliefs while the relationship between social cynicism and beliefs was statistically insignificant. Effects of all social axioms dimensions apart from social cynicism were completely mediated in series by beliefs and attitude. Contributions to corporate reputation scholarship include definition of the construct as a collective of beliefs and attitude and expansion of the set of antecedents to beliefs within the reasoned action framework beyond the traditional personality and demographic factors. In practice the findings endorse the view that corporate reputation is to an extent beyond a company’s control and is in part controlled by stakeholders. As a result, it is suggested that bank marketing executives and reputation practitioners consider including social axioms in customer segmentation models to ensure that their offerings resonate with customers’ general beliefs about the world.
Thesis (DPhil)--University of Pretoria, 2020.
Gordon Institute of Business Science (GIBS)
DPhil
Unrestricted
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King, Caroline. "The relationship between corporate sustainability and innovation in the South African banking sector." Diss., University of Pretoria, 2010. http://hdl.handle.net/2263/24249.

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The role of banks in sustainable development has been growing with prominence internationally. Therefore, research was undertaken to ascertain the approach of South African banking sector in respect of corporate sustainability or sustainable banking. The purpose of this research was to further explore the business case thereof in the SA context and specifically where it pertains to product and market innovation. A qualitative research methodology comprising an exploratory research design was applied, consisting of in-depth interviews and secondary data research of a sample of SA banking organisations. Findings indicated that SA banks primarily view corporate sustainability from an integrated approach. The South African macro-environment and national priorities play an important role in determining corporate sustainability initiatives. Accordingly, risks and opportunities are manifest (as part of a regulated and compliance-driven industry). Considering the national context and unique needs of stakeholders, there was evidence of a relationship between corporate sustainability and product and market innovation. However, not all opportunities from a business case perspective and in product and market types have been exhausted in this space. Copyright
Dissertation (MBA)--University of Pretoria, 2010.
Gordon Institute of Business Science (GIBS)
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Zonke, Khaya. "An analysis of funding liquidity risk in the South African banking system." Master's thesis, University of Cape Town, 2013. http://hdl.handle.net/11427/29022.

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Most emerging markets are faced with the predicament of a misalignment, or mismatch, of assets and liabilities in the banking sector where long-term assets are funded by short-term deposits. The South African (SA) banking sector also faces a challenge regarding the composition of the short-term deposits that fund these assets. The large and unstable wholesale funds dominate the funding side of local banks' balance sheets, particularly in the short-term bucket. The danger with wholesale funds arises when they are withdrawn unexpectedly, due to either perceived or realised risk. Due to their bulk, the wholesale funds have the potential to create a funding liquidity risk crisis in a bank. Most banks are unlikely to match these types of withdrawals, and will therefore have a forced asset fire sale to fund them. Retail funds do not face this danger, as it is highly unlikely, in normal market conditions, which many retail depositors would want to withdraw all their funds at the same time. Furthermore, retail funds are a cheaper source of funding compared to wholesale funds, thus making them a bank's preferred source of funding. In as much as they are a preferred source of funding, in the SA banking system retail deposits are very low compared to wholesale funding. This research study explores the funding liquidity risk and the predicament that exists in the SA banking industry by highlighting its main sources, and providing recommendations on how it can be addressed. This is achieved by testing the relationship between the ratio of retail funding to total bank funding (ROBF) and five explanatory variables, namely: household saving rates; retail deposit rates; corporate saving rates; wholesale deposit rates; and the Johannesburg Stock Exchange (JSE) All Share Index, with the aid of the multiple regression analysis method. The regression analysis was performed on data collected between 2002 and 2011. The research established that household saving rates and retail deposit rates were predictors that were statistically significant in explaining the movement in the ratio of retail funding to total funding.
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Zwakala, Kuhle Mkanyiseli. "Brand identity of a selected South African bank." Thesis, Cape Peninsula University of Technology, 2016. http://hdl.handle.net/20.500.11838/2435.

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Thesis (MTech (Marketing))--Cape Peninsula University of Technology, 2016.
By virtue of existence, a brand has a history, and probably an envisaged future. Collectively these variables are understood to be central to a brand’s identity formulation. However, there are various other elements that may inform brand identity construction. This study investigated brand identity formulation of a bank brand in the South African banking sector. In essence, the current study probed variables or elements that inform brand identity formulation, in this service oriented sector. It is understood that individual human identities can collectively influence the formulation of an institution’s brand identity, among other factors. Therefore, a question arises whether academic brand identity theory and practice are congruent in service sectors, particularly the South African banking sector. Dominated by few major banks, the South African banking sector is characterised by an oligopolistic market structure, where services provided are seen to be generic. Hence, the current inquiry on the practice (or lack thereof) of brand identity theory for differentiation, and distinction purposes. In this regard, Nedbank was used as a reference institution. In essence, Nedbank brand identity was investigated.
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De, Lange Michael Coenraad. "A strategic analysis of Capitec Bank Limited within the South African banking industry." Thesis, Nelson Mandela Metropolitan University, 2013. http://hdl.handle.net/10948/d1019932.

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The South African banking industry is well regulated and oligopolistic by nature. The financial sector in South Africa is of a world class standard, comparing favourably to that of developed countries i.e. United States of America and Great Britian, and developing economies such as the BRIC (Brazil, Russia, India and China) countries. The South African financial sector possesses the critical elements to exhibit good growth and sustainable profitabiblity. Capitec Bank Limited revolutionised the banking industry by providing a simplified and cost effective banking solution targeting the masses i.e. the "unbanked" population of South Africa. The company pursued a disruptive innovation strategy by targeting the lower income earning segment of the market i.e. individuals who are employed but do not have bank account. Capite's strategic approach and business model were designed around innovation and technology, exploiting a previously untapped market that no other competitor targeted. This approach has resulted in the bank's phenomenal growth over the past decade and most notably has seen Capitec's return on equity (ROE) increase from 12 percent to 26 percent and advances to costomers increase from R116 million to 16 billion. This has set precedent which the big four banks, namely ABSA, First National Bank, Standard Bank and Nedbank, could not match. Contributing to Capitec's success and the basis on which its business model is built are four pillars: accessibilty, simplicity, affordability and personalised service. These pillars have created a compatitive advantage resulting in the bid four banks playing catch up. A strategic analysis of Capitec bank was conducted in order to assess the feasibility of expansion by the bank into Africa. The conclusion of the study indicated that it was indeed a viable option for Capitec to expand its footprint across borders into Africa through mergers with banks exhibiting a similar business model, for example Equity Bank based in Kenya.
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Craucamp, Frederik Willem. "Factors influencing customer retention, satisfaction and loyalty in the South African banking industry." Thesis, North-West University, 2012. http://hdl.handle.net/10394/9009.

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Customer retention, loyalty and satisfaction are extremely important elements in any company’s strategy, especially in the highly competitive South African banking industry. Understanding the various factors that could influence these constructs is therefore critical to organizational success. Several studies showed the impact of these measures on profitability and shareholder value, but there has been little effort to access the factors that might lead to higher levels of retention, loyalty and satisfaction, especially in the banking industry. This paper examines the antecedents of customer retention, satisfaction and loyalty. These possible factors include: perceived value, perceived corporate image, perceived competitive advantage, perceived switching barriers, communication, knowledgeable employees, empowerment, personalisation, ethical behaviour, fees, relationship marketing, service quality (core and relational) as well as enabling service features. The results indicated that customer loyalty, customer satisfaction, switching barriers and communication had a significant impact on customer retention; customer loyalty, perceived value, perceived corporate image, retention, empowerment and relationship marketing had a significant impact on customer satisfaction; and customer satisfaction, switching barriers, perceived value, customer retention, fees, competitive advantage and relationship marketing had a significant impact on customer loyalty. It is evident that there is a close relation between satisfaction, retention and loyalty as all three influence each other in some way or another.
Thesis (MBA)--North-West University, Potchefstroom Campus, 2013.
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Books on the topic "South african banking"

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Barrett, Matthew. South African banking: A pivotal year. London: Euromoney, 1988.

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Wuite, Rudy. The South African dictionary of finance. Northcliff, South Africa: Rollerbird Press, 2009.

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Jones, Mariëtte. An introduction to South African banking and credit law. Durban, South Africa: LexisNexis Butterworths, 2006.

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Rossouw, Johannes Jacobus. South African Reserve Bank: History, functions and institutional structure. Pretoria: South African Reserve Bank, 2010.

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Oelkers, Felix. Das Recht der South African Reserve Bank: Ein Beitrag zum neuen südafrikanischen Verfassungsrecht. Baden-Baden: Nomos, 1999.

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Meiring, Johann G. South African Reserve Bank biographical sketches of directors, 1921 to 1993. Pretoria: South African Reserve Bank, 1994.

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Hill, L. A. An overview of the South African financial services with special reference to the banking sector. Stellenbosch: Institute for Futures Research, University of Stellenbosch, 1987.

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The roots of the tree: A study in early South African banking : the predecessors of First National Bank, 1838-1926. [Cape Town]: First National Bank of Southern Africa, 1992.

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Jones, Stuart, ed. Banking and Business in South Africa. London: Palgrave Macmillan UK, 1988. http://dx.doi.org/10.1007/978-1-349-09632-9.

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Stranex, Mark. The business of banking and law: The Banks Act. Durban North: Law Publisher, 2000.

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Book chapters on the topic "South african banking"

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Jones, Stuart, and André Müller. "Banking and Finance, 1933–61." In The South African Economy, 1910–90, 199–211. London: Palgrave Macmillan UK, 1992. http://dx.doi.org/10.1007/978-1-349-22031-1_14.

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Jones, Stuart, and André Müller. "Banking and Finance, 1910–33." In The South African Economy, 1910–90, 94–112. London: Palgrave Macmillan UK, 1992. http://dx.doi.org/10.1007/978-1-349-22031-1_7.

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Matthews, Jacqueline. "Multinational Corporations in SADCC (Southern African Development Coordination Conference)." In Banking and Business in South Africa, 155–74. London: Palgrave Macmillan UK, 1988. http://dx.doi.org/10.1007/978-1-349-09632-9_9.

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Goedhuys, D. W. "The South African Reserve Bank and the Course of the Economy." In Banking and Business in South Africa, 105–12. London: Palgrave Macmillan UK, 1988. http://dx.doi.org/10.1007/978-1-349-09632-9_6.

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Rossouw, Jannie, and Vishnu Padayachee. "The independence of the South African Reserve Bank." In The Political Economy of Central Banking in Emerging Economies, 134–48. 1 Edition. | New York : Routledge, 2020. | Series: Routledge critical studies in finance and stability: Routledge, 2020. http://dx.doi.org/10.4324/9780367823054-11.

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Young, Jackie. "Corporate Governance and Risk Management in the South African Banking Industry." In Governance, Risk, and Compliance Handbook, 71–81. Hoboken, NJ, USA: John Wiley & Sons, Inc., 2012. http://dx.doi.org/10.1002/9781118269213.ch72.

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Mujinga, Mathias. "Online Banking Service Quality: A South African E-S-QUAL Analysis." In Lecture Notes in Computer Science, 228–38. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-44999-5_19.

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Verhoef, Grietjie. "Afrikaner Nationalism in South African Banking: The Cases of Volkskas and Trust Bank." In Financial Enterprise in South Africa since 1950, 115–53. London: Palgrave Macmillan UK, 1992. http://dx.doi.org/10.1007/978-1-349-11536-5_6.

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Moloto, Makoena, Anneke Harmse, and Tranos Zuva. "Impact of Agile Methodology Use on Project Success in South African Banking Sector." In Lecture Notes in Electrical Engineering, 157–73. Singapore: Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-33-4909-4_12.

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Mtimkulu, Sebabatso, Judy van Biljon, and Tobias van Dyk. "Designing for the Functionality South African Internet Banking Websites Should Provide to Address the Needs of Generation-Y Users." In Human-Computer Interaction – INTERACT 2013, 366–83. Berlin, Heidelberg: Springer Berlin Heidelberg, 2013. http://dx.doi.org/10.1007/978-3-642-40498-6_29.

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Conference papers on the topic "South african banking"

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Mujinga, Mathias. "SERVPERF Analysis of Retail Banking Service Performance: A South African Study." In 2019 International Multidisciplinary Information Technology and Engineering Conference (IMITEC). IEEE, 2019. http://dx.doi.org/10.1109/imitec45504.2019.9015891.

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Pillay, Komla, and Alta van der Merwe. "Big Data Driven Decision Making Guidelines for South African Banking Institutions." In 2021 International Conference on Artificial Intelligence, Big Data, Computing and Data Communication Systems (icABCD). IEEE, 2021. http://dx.doi.org/10.1109/icabcd51485.2021.9519373.

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Masuabi, Francis M., and Louwrence D. Erasmus. "Social media service innovation in South African retail banking: A case study." In 2016 Portland International Conference on Management of Engineering and Technology (PICMET). IEEE, 2016. http://dx.doi.org/10.1109/picmet.2016.7806555.

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Mudarikwa, Grace, and Thomas D. Grace. "Agile system development methodologies usage and acceptance in South African banking firms." In SAICSIT '18: 2018 Annual Conference of the South African Institute of Computer Scientists and Information Technologists. New York, NY, USA: ACM, 2018. http://dx.doi.org/10.1145/3278681.3278711.

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Mamela, Tebogo Lucky, Nita Sukdeo, and Sambil Charles Mukwakungu. "The Integration of AI on Workforce Performance for a South African Banking Institution." In 2020 International Conference on Artificial Intelligence, Big Data, Computing and Data Communication Systems (icABCD). IEEE, 2020. http://dx.doi.org/10.1109/icabcd49160.2020.9183834.

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LEKETI, Mpho, and Mpho RABORIFE. "IT Governance Frameworks and their Impact on Strategic Alignment in the South African Banking Industry." In 2019 IST-Africa Week Conference (IST-Africa). IEEE, 2019. http://dx.doi.org/10.23919/istafrica.2019.8764872.

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Herselman, Marlien, and Matt Warren. "Cyber Crime Influencing Businesses in South Africa." In InSITE 2004: Informing Science + IT Education Conference. Informing Science Institute, 2004. http://dx.doi.org/10.28945/2838.

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This study shows that cyber crime is a recent addition to the list of crimes that can adversely affect businesses directly or indirectly. This phenomenon was not directly prosecutable in South Africa until the enactment of the ECT Act in July 2002. However this Act also prevents businesses to fully prosecute a hacker due to incompleteness. Any kind of commercially related crime can be duplicated as cyber crime. Therefore very little research appears or has been documented about cyber crime in South African companies before 2003. The motivation to do this study was that businesses often loose millions in cyber attacks, not necessarily through direct theft but by the loss of service and damage to the image of the company. Most of the companies that were approached for interviews on cyber crime were reluctant to share the fact that they were hacked or that cyber crime occurred at their company as it violates their security policies and may expose their fragile security platforms. The purpose of this study was to attempt to get an overall view on how South African businesses are affected by cyber crime in the banking and short term insurance sector of the South African industry and also to determine what legislation exist in this country to protect them. The case study approach was used to determine the affect of cyber crime on businesses like banks and insurance companies and higher education institutions. Each case was interviewed, monitored and was observed over a period of a year. This study discloses the evaluation of the results of how cyber crime affected the cases, which were part of this study. The banks and higher education institutions felt that they were at an increased risk both externally and internally, which is likely to increase as the migration towards electronic commerce occurs. The insurance industry felt that they are not yet affected by external cyber crime attacks in this country.
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Van Deventer, Marko. "VALIDATING A UTILITY AND TRUST IN MOBILE BANKING SCALE IN THE SOUTH AFRICAN CONTEXT." In 8th Business & Management Conference, Venice. International Institute of Social and Economic Sciences, 2018. http://dx.doi.org/10.20472/bmc.2018.008.016.

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Njenga, Kennedy, and Sifiso Ndlovu. "Mobile banking and information security risks: Demand-side predilections of South African lead-users." In 2015 Second International Conference on Information Security and Cyber Forensics (InfoSec). IEEE, 2015. http://dx.doi.org/10.1109/infosec.2015.7435511.

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Smidt, Louis, D. P. van der Nest, and Dave Lubbe. "The use of sampling and CAATs within internal audit functions in the South African banking industry." In 2014 9th Iberian Conference on Information Systems and Technologies (CISTI). IEEE, 2014. http://dx.doi.org/10.1109/cisti.2014.6877088.

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Reports on the topic "South african banking"

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Research Department - Central Bank - General - Banks and Banking - Overseas - South Africa - 1949 - 1951. Reserve Bank of Australia, September 2021. http://dx.doi.org/10.47688/rba_archives_2006/16121.

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