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Adoption of e-banking amongst small, micro and medium enterprises in the City of Tshwane Metropolitan Municipality

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dc.contributor.advisor Mutezo, A. T.
dc.contributor.author Manala, Maseribe Maureen
dc.date.accessioned 2018-06-18T09:50:30Z
dc.date.available 2018-06-18T09:50:30Z
dc.date.issued 2018-01
dc.identifier.citation Manala, Maseribe Maureen (2018) Adoption of e-banking amongst small, micro and medium enterprises in the City of Tshwane Metropolitan Municipality, University of South Africa, Pretoria, <http://hdl.handle.net/10500/24402>
dc.identifier.uri http://hdl.handle.net/10500/24402
dc.description.abstract The purpose of this study was to examine the level of adoption, usage and factors that influence the adoption of electronic banking (e-banking) by small, micro and medium enterprises (SMMEs) listed in the City of Tshwane Metropolitan Municipality (CTMM). Despite efforts by commercial banks to promote e-banking (internet and cell phone banking) to its customers, the adoption rate for internet and cell phone banking appears to be low. Based on the literature reviewed, the SMME sector has been widely excluded from the formal banking services. It is also observed that e-banking can enable SMMEs to grow and enter international markets. Technology acceptance model (TAM) integrated with perceived risk theory (PRT) was used to investigate factors that influence adoption and usage of e-banking. The study followed a quantitative research approach. Respondents were selected using simple random sampling technique. A structured survey questionnaire was used to collect the data. The survey was conducted on 160 SMMEs in the CTMM with the assistance of fieldworkers. Data were analysed using descriptive statistics, exploratory factor analysis (EFA), Pearson’s bivariate correlation, and multiple regression. The results revealed that perceived ease of use had a significant positive influence on the attitude towards e-banking. Perceived usefulness had a positive but insignificant influence on the attitude towards e-banking. Security risk was the only perceived risk dimension that had a significant negative influence on attitude towards e-banking. However, financial risk, privacy risk, performance risk and social risk had a positive and insignificant influence on attitude towards e-banking. It was envisaged that this study will enable banks to develop strategies that are aimed at increasing their SMME market share. en
dc.format.extent 1 online resource (xi, 148 leaves) : illustrations (color)
dc.language.iso en en
dc.subject Adoption en
dc.subject Attitude en
dc.subject Cell phone banking en
dc.subject E-banking en
dc.subject Internet banking en
dc.subject Intention behaviour en
dc.subject Perceived Risk Theory en
dc.subject Technology Acceptance Model en
dc.subject Usage en
dc.subject.ddc 332.1780968227
dc.subject.lcsh Internet banking -- South Africa -- City of Tshwane Metropolitan Municipality
dc.subject.lcsh Industries -- Technological innovations -- South Africa -- City of Tshwane Metropolitan Municipality
dc.subject.lcsh Banks and banking -- Risk management -- South Africa -- City of Tshwane Metropolitan Municipality
dc.subject.lcsh Electronic funds transfers -- South Africa -- City of Tshwane Metropolitan Municipality
dc.subject.lcsh Internet -- Security measures -- South Africa -- City of Tshwane Metropolitan Municipality
dc.subject.lcsh Small business -- South Africa -- City of Tshwane Metropolitan Municipality
dc.title Adoption of e-banking amongst small, micro and medium enterprises in the City of Tshwane Metropolitan Municipality en
dc.type Dissertation en
dc.description.department Finance, Risk management and Banking
dc.description.degree M. Com. (Finance)


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    Electronic versions of theses and dissertations submitted to Unisa since 2003

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