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Research Publications (Management Sciences)

Permanent URI for this collectionhttp://ir-dev.dut.ac.za/handle/10321/217

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Author: search.filters.author.Nyide, Celani JohnSubject: search.filters.subject.Financial technology

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    The adoption of financial technology to improve the financial capability of peri-urban teachers
    (2023-01-01) Jali, Nkosinathi Prince; Nyide, Celani John
    There is a need for more studies exploring how financial technology tools can enhance the financial skills of teachers in peri-urban areas of South Africa. This study aimed to investigate how financial technology can enhance the financial skills of teachers living in peri-urban areas. Exploring the adoption patterns, challenges, and impact of fintech in this context could provide valuable insights to scholarly research and educational policy. The study utilised a positivism research paradigm with a questionnaire survey as the research instrument. 246 high school teachers took part in the study and were chosen through systematic random sampling. The research results showed that most teachers in peri-urban areas had a strong understanding of financial technology. They utilised this information to participate in online shopping, complete electronic bill payments, and carry out cash transactions over the internet. In addition, their proficiency in financial technology allowed them to utilise online financial services, resulting in them favouring internet banking as the most convenient banking method over branch banking and ATM services. Nevertheless, these educators raised issues regarding the security risks linked to internet banking, highlighting the possibility of online hacking or scams leading to financial losses.
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    The interplay between financial literacy, financial technology and financial behaviour of high school teachers in an emerging economy
    (Richtmann Publishing, 2023-07-01) Jali, Nkosinathi Prince; Nyide, Celani John; Stainbank, Lesley June
    This study examined the influence of financial literacy and financial technology on the financial behaviour of high school teachers in an emerging economy. The use of financial technology comes with widely documented advantages, however, the increasing diversity of financial technology products available is found to have complicated many people in emerging economies. The availability of information has made it easier for people to make irresponsible financial decisions, which have resulted in higher levels of debt. While teachers play a meaningful role in financial literacy education, research points out they still need to undergo financial literacy education themselves in order to improve their financial management expertise, more so in the digital era. A scientific questionnaire was distributed to 246 high school teachers who were chosen on a probability basis using systematic random sampling. The research data were subject to correlation analysis. The results show that high school teachers have a good grasp of financial technology, and they possess strong financial literacy skills. The correlation analysis indicated that financial literacy skills are the most important attribute influencing financial behavior of high school teachers.