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Fintechs in South Africa: Impact on regulation, incumbents and consumers 南非的金融科技:对监管、现有机构和消费者的影响
IF 1.1 Pub Date : 2024-03-14 DOI: 10.4102/sajim.v26i1.1766
Simphiwe K. Cele, N. Mlitwa
Background: The financial services industry in South Africa has undergone many changes that have given birth to fintechs. Most of these changes are driven by the advent of technology and evolving customer expectations. Fintechs have led to process disruptions and business model transformations, yet their implications have yet to be sufficiently studied. Therefore, it is essential to close this knowledge gap by investigating the impact of fintechs on this industry.Objectives: This research aimed to investigate the impact of fintechs in the financial services industry in South Africa.Method: A qualitative study was conducted in which 18 industry experts were interviewed using semi-structured interviews. The interviews were audio-recorded and transcribed for data analysis. ATLAS.ti 22 was used to organise and analyse data.Results: Fintechs increase competition for the incumbents, reduce profits, expose the inability of the incumbents to be agile and introduce new regulatory risks in the financial services industry. In contrast, fintechs have also brought some positive changes into the industry: financial inclusion, new growth opportunities, increasing choices for consumers and making the industry more competitive, reducing costs, customising financial services, bringing convenience and forcing incumbents and regulators to become more innovative.Conclusion: This study uncovered the positive and negative effects of fintechs in financial services in South Africa.Contribution: The study will benefit academia by expanding the body of knowledge about fintech research and improving the holistic understanding of this field in emerging economies, which can inspire future research on fintech and its application.
背景:南非的金融服务业经历了许多变革,这些变革催生了金融科技公司。这些变化大多是由技术的出现和不断变化的客户期望驱动的。金融科技带来了流程颠覆和业务模式转型,但其影响尚未得到充分研究。因此,有必要通过调查金融科技对该行业的影响来填补这一知识空白:本研究旨在调查金融科技对南非金融服务业的影响:采用半结构化访谈法对 18 位行业专家进行了定性研究。对访谈进行了录音和转录,以便进行数据分析。ATLAS.ti 22 用于组织和分析数据:结果:金融科技增加了对在位者的竞争,降低了利润,暴露了在位者缺乏灵活性的问题,并给金融服务业带来了新的监管风险。与此相反,金融科技也给行业带来了一些积极的变化:金融包容性、新的增长机会、增加消费者的选择并使行业更具竞争力、降低成本、定制金融服务、带来便利并迫使现有机构和监管机构变得更具创新性:本研究揭示了金融科技对南非金融服务的积极和消极影响:贡献:本研究将扩展有关金融科技研究的知识体系,提高新兴经济体对这一领域的整体认识,从而对学术界有所裨益,并能启发未来有关金融科技及其应用的研究。
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引用次数: 0
Impact of library management systems on information provision in the Rustenburg municipality 图书馆管理系统对鲁斯滕堡市信息提供的影响
IF 1.1 Pub Date : 2024-03-13 DOI: 10.4102/sajim.v26i1.1769
Mpho S. Mamatlepa, J. Maluleka
Background: The Library Management System (LMS) is crucial to the operations and performance of the library. Libraries around the world have automated their operations to provide relevant services to users and to move away from operating manually.Objectives: The purpose of the study was to examine the impact of LMS on the provision of information in libraries of the local municipality of Rustenburg.Method: This was a quantitative study that examined the impact of LMS on information provision in libraries of the Rustenburg local municipality. The survey research design was adopted and data was collected using questionnaires.Results: The findings revealed that Rustenburg libraries depend highly on manual systems, which is a sign that they do not have adequate information and communication technologies. The few libraries that have online systems used them for circulation and are not maximising the full functions of the library.Conclusion: The study concludes that the local municipality of Rustenburg should provide funding to acquire information and communication technologies. Furthermore, it should adopt a library system in all libraries and train staff in all modules.Contribution: The LMS’s are crucial in the operations and performance of the library. Similar studies focused on the type of management systems available for use and how they can be managed. Having said that, most third world countries are still using manual systems, therefore this study takes the discussion further by looking at the impact that the lack of systems in the third world countries have on information provision in libraries.
背景:图书馆管理系统(LMS)对图书馆的运营和绩效至关重要。世界各地的图书馆都实现了业务自动化,以便为用户提供相关服务,并摆脱手工操作:研究目的:本研究旨在探讨图书馆管理系统对鲁斯滕堡地方市政图书馆提供信息的影响:这是一项定量研究,旨在探讨图书管理系统对鲁斯滕堡地方市图书馆信息提供工作的影响。研究采用了调查研究设计,并通过问卷收集数据:调查结果显示,鲁斯滕堡图书馆高度依赖人工系统,这表明它们没有足够的信息和通信技术。少数拥有在线系统的图书馆将其用于流通,没有最大限度地发挥图书馆的全部功能:本研究得出的结论是,鲁斯滕堡地方市政当局应提供资金以获取信息和通信技术。此外,市政府应在所有图书馆采用图书馆系统,并对工作人员进行所有模块的培训:贡献:图书馆管理系统对图书馆的运营和绩效至关重要。类似的研究侧重于可供使用的管理系统的类型以及如何对其进行管理。尽管如此,大多数第三世界国家仍在使用人工系统,因此本研究进一步探讨了第三世界国家缺乏系统对图书馆信息提供的影响。
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引用次数: 0
Who’s who in the zoo? Clarifying the difference between the chief digital officer and chief information officer 谁是动物园里的谁?厘清首席数字官和首席信息官的区别
IF 1.1 Pub Date : 2024-02-29 DOI: 10.4102/sajim.v26i1.1670
Theunis Van Niekerk, C. Marnewick
Background: The new chief digital officer (CDO) role within top management is shrouded with confusion and ambiguity.Objectives: The purpose of this study is to identify the differences between the traditional chief information officer (CIO) and more modern CDO role.Method: Being grounded within the paradigm of interpretivism, this study follows a qualitative research approach and adopts a narrative research strategy. This study explores the opinions of top management relating to both CIO and CDO roles through conducting in-depth interviews with open-ended questions. Insights into the data are gained through an analytical process of thematic content analysis.Results: This study shows that distinctions are emerging between the roles and responsibilities of the CDO and CIO roles within companies. Even though both roles are strategic, the CDO is responsible for digital strategy, while the CIO is responsible for the information technology (IT) strategy.Conclusion: This study illustrates that IT is becoming central to a company’s business model and this focus change requires specific skills and competencies within the company. Furthermore, the study shows that differences exist between the CIO and CDO roles within a company.Contribution: This study highlights key differences between the roles and responsibilities of the CDO and CIO. This study also identifies key contingency and institutional factors that influence a firm to introduce a CDO and clarifies the concept of digital transformation.
背景:最高管理层中新的首席数字官(CDO)角色笼罩着混乱和模糊的阴影:本研究旨在确定传统首席信息官(CIO)与现代首席数字官(CDO)角色之间的差异:本研究以解释学范式为基础,采用定性研究方法和叙事研究策略。本研究通过开放式问题进行深入访谈,探讨高层管理人员对首席信息官和首席行政官两种角色的看法。通过主题内容分析过程对数据进行深入分析:本研究表明,公司内部 CDO 和 CIO 角色与职责之间正在出现区别。尽管两个角色都具有战略意义,但 CDO 负责数字战略,而 CIO 负责信息技术 (IT) 战略:本研究表明,信息技术正在成为公司业务模式的核心,而这种重点变化需要公司内部具备特定的技能和能力。此外,本研究还表明,公司内部首席信息官和首席技术官角色之间存在差异:本研究强调了 CDO 和 CIO 的角色和职责之间的主要差异。本研究还确定了影响企业引入 CDO 的关键意外因素和制度因素,并阐明了数字化转型的概念。
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引用次数: 0
Factors affecting Big Data adoption in a government organisation in the Western Cape 影响西开普省一家政府机构采用大数据的因素
IF 1.1 Pub Date : 2024-02-28 DOI: 10.4102/sajim.v26i1.1690
Andre N. Bruintjies, James Njenga
Background: Government organisations have realised the potential to derive value from Big Data (BD) and need to adopt BD. Currently, South African governmental organisations have not fully committed to adopting BD because they are unsure if they are adequately equipped, and additional empirical research is required to understand the salient factors that influence BD adoption.Objectives: This research investigates the factors influencing the adoption of BD at a government organisation in the Western Cape, South Africa.Method: This study adopted a qualitative research approach, using semi-structured interviews and snowball sampling to collect data from 11 participants at a government organisation in the Western Cape. Participants provided informed consent and it uses a thematic analysis approach to analyse the data.Results: The technology-organisation-environment (TOE) framework was used to study the factors influencing BD adoption at government organisations. Seventeen factors were identified, the majority in the organisational context of TOE framework. The salient factors were identified as top management support, finance, and budget, skills and talent and organisational strategy.Conclusion: The study found 17 factors that influence the adoption of BD at this government organisation and provides recommendations on how to address those factors to ensure that BD is adopted successfully.Contribution: This study presents empirical evidence of the factors that influence BD adoption in government organisations. By considering these factors, government organisations can integrate and synergise IT and business to ensure that the core business of government, which is service delivery to the citizens, is achieved competently by harnessing the potential of BD.
背景:政府组织已经意识到从大数据(BD)中获取价值的潜力,并需要采用 BD。目前,南非政府组织尚未完全致力于采用 BD,因为他们不确定自己是否具备足够的能力,因此需要开展更多实证研究,以了解影响采用 BD 的突出因素:本研究调查了影响南非西开普省一家政府机构采用企业发展的因素:本研究采用定性研究方法,通过半结构式访谈和滚雪球式抽样,从西开普省一家政府机构的 11 名参与者那里收集数据。参与者提供了知情同意书,研究采用主题分析法对数据进行分析:研究采用了技术-组织-环境(TOE)框架来研究影响政府组织采用 BD 的因素。研究确定了 17 个因素,其中大部分属于 TOE 框架中的组织环境因素。突出的因素包括高层管理支持、财务和预算、技能和人才以及组织战略:结论:本研究发现了影响该政府组织采用企业发展的 17 个因素,并就如何解决这些因素以确保成功采用企业发展提出了建议:本研究提供了影响政府机构采用企业发展的因素的经验证据。通过考虑这些因素,政府组织可以整合并协同信息技术和业务,以确保通过利用 BD 的潜力来胜任政府的核心业务,即为公民提供服务。
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引用次数: 0
Determinants of mobile application adoption among micro-entrepreneurs 微型企业家采用移动应用程序的决定因素
IF 1.1 Pub Date : 2024-02-22 DOI: 10.4102/sajim.v26i1.1731
Emmanuel I. Slinger, S. Pather, M. Du Plessis
Background: Since the onset of the global pandemic, unemployment has increased to new levels. As a consequence, the need to stimulate economic growth through the development of the micro-enterprise sector has become a central vehicle to decrease unemployment and stimulate economic growth. The problem, however, is that despite the potential benefits of digitisation, the micro-enterprise sector has been unable to effectively integrate information and communication technologies (ICTs) into the fabric of their operations.Objectives: The objective of this study was to investigate the factors that influence the adoption and use of mobile applications for micro-enterprise operations in South Africa.Method: A quantitative methodology using a survey design was used to collect data from a sample of entrepreneurs, with 221 responses.Results: Performance expectancy (PE) and effort expectancy (EE) positively influence the micro-entrepreneurs’ behavioural intention (BI) to adopt and use mobile applications, while social influence (SI) has no impact on the same. Facilitating conditions (FC) and BI are the strongest determinants of mobile application adoption and use for micro-enterprise operations.Conclusion: All the constructs of the unified theory of acceptance and use of technology (UTAUT) model showed a satisfactory level of reliability and discriminant validity, which was confirmed by testing the measurement model against two competing models. The UTAUT model is a good predictor of the intention to adopt and use mobile applications for micro-enterprise operations.Contribution: The findings provide parameters to develop a focussed strategy to catalyse the adoption and subsequent use of mobile applications among micro-entrepreneurs. It further informs initiatives to close the gap of a known reluctance in using technology among micro-enterprises.
背景:自全球大流行病爆发以来,失业率已上升到新的水平。因此,需要通过发展微型企业部门来刺激经济增长,这已成为降低失业率和刺激经济增长的核心手段。然而,问题在于,尽管数字化具有潜在的好处,但微型企业部门一直未能有效地将信息和通信技术(ICTs)纳入其业务结构:本研究旨在调查影响南非微型企业采用和使用移动应用程序的因素:方法:采用调查设计的定量方法从企业家样本中收集数据,共收到 221 份回复:结果:绩效预期(PE)和努力预期(EE)对微型企业家采用和使用移动应用程序的行为意向(BI)有积极影响,而社会影响(SI)则没有影响。便利条件(FC)和行为意向(BI)是微型企业采用和使用移动应用程序的最强决定因素:技术接受和使用统一理论(UTAUT)模型的所有构念都显示出令人满意的信度和判别效度,这一点在测量模型与两个竞争模型的对比测试中得到了证实。UTAUT模型可以很好地预测微型企业采用和使用移动应用程序的意向:贡献:研究结果为制定有针对性的战略提供了参数,以促进微型企业家采用和随后使用移动应用程序。它还为缩小微型企业不愿使用技术的差距提供了信息。
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引用次数: 0
Factors influencing the acceptance and use of a South African online bank 影响接受和使用南非网上银行的因素
IF 1.1 Pub Date : 2024-02-21 DOI: 10.4102/sajim.v26i1.1759
Lizandré Gertze, Fazlyn Petersen
Background: Online banking gained prominence during the coronavirus disease 2019 (COVID-19) pandemic as an alternative to traditional banking. However, limited studies have explored online banking acceptance in South Africa.Objectives: This study investigates the factors that influence online banking acceptance among South Africans in a context where use is limited.Method: Thematic content analysis examined 113 Google user reviews from South Africans using an exclusive online bank. Unified Theory of Acceptance and Use of Technology 3 (UTAUT3) was used as a theoretical framework, analysing factors such as performance expectancy (PE), effort expectancy (EE), facilitating conditions (FC), hedonic motivation (HM), price value (PV), trust, perceived risk (PR), habit, and social influence.Results: Seven UTAUT3 constructs influenced online banking acceptance and use in South Africa during the pandemic: PE, EE, FC, HM, PV, trust, and PR. The influence of habit and social influence was not evident.Conclusion: Understanding factors influencing online banking acceptance in South Africa is crucial for policymakers and institutions. Addressing information communication technology challenges can enhance accessibility and benefits, promoting financial inclusion, and empowerment.Contribution: This research fills the gap by examining online banking acceptance in South Africa. Findings inform interventions and policies to improve access and adoption. Practical implications extend to institutions and policymakers, fostering financial inclusion.
背景:在 2019 年冠状病毒病(COVID-19)大流行期间,网上银行作为传统银行业务的一种替代方式受到重视。然而,对南非网上银行接受度的研究却很有限:本研究调查了在网上银行使用有限的情况下,影响南非人接受网上银行的因素:方法:通过主题内容分析法研究了113条谷歌用户评论,这些评论来自使用一家独家网上银行的南非人。采用统一技术接受和使用理论3(UTAUT3)作为理论框架,分析了性能预期(PE)、努力预期(EE)、便利条件(FC)、享乐动机(HM)、价格价值(PV)、信任、感知风险(PR)、习惯和社会影响等因素:结果:七个UTAUT3 构建因素影响了大流行病期间南非对网上银行的接受和使用:PE、EE、FC、HM、PV、信任和 PR。习惯和社会影响的影响并不明显:结论:了解影响南非网上银行接受度的因素对政策制定者和机构至关重要。应对信息通信技术挑战可以提高可获得性和效益,促进金融包容性和赋权:本研究通过考察南非对网上银行的接受程度填补了这一空白。研究结果为干预措施和政策提供了信息,以提高使用率和采用率。对机构和政策制定者也有实际意义,有助于促进金融包容性。
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引用次数: 0
Cloud leakage in higher education in South Africa: A case of University of Technology 南非高等教育中的云泄漏:技术大学案例
IF 1.1 Pub Date : 2024-02-16 DOI: 10.4102/sajim.v26i1.1783
Tshepiso Ntloedibe, T. Foko, M. A. Segooa
Background: Users with knowledge of an organisation can pose risks to Cloud Computing, including current and past employees and external stakeholders with access to the organisation’s cloud. These insiders may engage in intentional or unintentional disruptive behaviors, causing significant harm to the organisation. A study focused on insider threats in South African higher education examined the tactics used by cybersecurity leaders to enforce cybersecurity policies.Objectives: The goal of this study was to develop a comprehensive insider mitigation framework for cloud leakage in a South African University.Method: The study employed qualitative methodologies and a case study approach. Open-ended interviews were conducted to collect data from the participants. The collected data was coded and analysed using ATLAS.ti 22.Results: The study’s findings revealed that some of the major sources of cloud leakage are a lack of effective training, ineffective information security (IS) policy regulation, and the implementation of information security awareness workshops that provided advice on how information security should be managed in the university.Conclusion: Insider threats pose a serious risk to organisations. To mitigate this threat, it is crucial for organisations to establish strong security policies and closely monitor employee activities. By conducting a thorough assessment of insider threats, organisations can enhance their understanding of this dynamic threat and strengthen their defenses.Contribution: Although every employee is ultimately responsible for an organisation’s security, the most effective IS programmes demonstrate strong top-level leadership by setting a ‘tone at the top’ and promoting the benefits of IS through careful policy and guidance.
背景:了解组织情况的用户可能会给云计算带来风险,其中包括当前和过去的员工以及能够访问组织云的外部利益相关者。这些内部人员可能会有意或无意地实施破坏行为,对组织造成重大损害。一项针对南非高等教育机构内部威胁的研究考察了网络安全领导者在执行网络安全政策时所使用的策略:本研究的目标是针对南非一所大学的云泄漏问题制定一个全面的内部人员缓解框架:研究采用了定性方法和案例研究方法。通过开放式访谈收集参与者的数据。使用 ATLAS.ti 22 对收集到的数据进行编码和分析:研究结果表明,云泄漏的一些主要来源是缺乏有效的培训、信息安全(IS)政策监管不力以及信息安全意识研讨会的实施,这些研讨会就大学应如何管理信息安全提供了建议:内部威胁对组织构成严重威胁。要减轻这种威胁,组织必须制定强有力的安全政策,并密切监控员工的活动。通过对内部威胁进行全面评估,组织可以提高对这种动态威胁的认识,并加强防御:虽然每个员工都要对组织的安全负最终责任,但最有效的信息安全计划通过制定 "高层基调 "和通过谨慎的政策和指导来宣传信息安全的益处,展示了强有力的高层领导。
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引用次数: 0
Citation Analysis of Doctoral Thesis in Mathematics, Kumaun University, Nainital 库曼大学数学博士论文被引分析
IF 1.1 Pub Date : 2023-01-01 DOI: 10.5958/2348-1773.2023.00001.2
Hem Chandra, Yougal Joshi
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引用次数: 0
Quality Gauging: An Analytical Analysis of Tourism Websites using E-SQ 质量测评:基于E-SQ的旅游网站分析
IF 1.1 Pub Date : 2023-01-01 DOI: 10.5958/2348-1773.2023.00006.1
U. Saxena, Vijay Kumar
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引用次数: 0
Investigating the Problem Solving Approach Among College Students: Using Big Six Skills Model 基于六大技能模型的大学生问题解决方法研究
IF 1.1 Pub Date : 2023-01-01 DOI: 10.5958/2348-1773.2023.00004.8
S. Baba, Sofi Gh Mohiuddin Jeelani, S. A. Ganaie
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引用次数: 0
期刊
South African Journal of Information Management
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