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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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    Consumer perspective of financial technology and digital personal banking in South Africa : a literature review
    (Sprint Investify, 2023-10-16) Ramsundra, Avikar; Mason, Roger Bruce
    Financial technology advancements have made personal banking simpler, allowing a range of services to be accessed anytime and anywhere via various digital methods However, the extent of digital financial technology's impact on consumer perception and adoption of digital personal banking in developing economies remains unclear. The purpose of this study therefore is to review literature on the issues that could influence the perception and use of digital personal banking by consumers. Data was drawn from 116 documents of academic and ‘grey’ literature according to the PRISMA protocol, and analysed by detailed reading, narrative summarising and then deconstructing and reconstructing the contents into the key issues influencing the adoption and use of digital personal banking. First an overview of digital banking in general, and then in South Africa, is provided. Then the different issues, or constructs, that could be drivers of preference for digital personal banking by South African consumers, as identified from the literature, are presented, namely Convenience, Practical quality, Branch service quality, Online service quality, Usability, Safety and Risk. These findings can form the basis of further in-depth research into the adoption and use of digital personal banking and can also assist banking executives to adapt their operational and marketing activities to influence consumers to further adopt digital banking.
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    Young clients’ attitudes to service quality at retail banks in a developing country
    (Business Perspectives, 2017) Zungu, Nkululeko PraiseGod; Mason, Roger Bruce
    The aim of this paper is to investigate service quality as perceived by younger customers of retail banks in a developing country. The objectives include identifying customers’ levels of satisfaction and loyalty to their banks and to identify the levels of service quality associated with such satisfaction and loyalty. The instrument used to collect data via a survey of retail bank customers was an adaptation of the SERVQUAL ques-tionnaire. A total of 448 students were surveyed, using a mix of systematic and quota sampling, with data being col-lected on university campuses. Data were analyzed using descriptive statistical techniques. The main conclusions were that most young customers are reasonably satisfied with, and loyal to, their banks. There was little difference, on all the service quality constructs, between the different banks, and between expectations and perceptions of service quality. However, there was no evidence of any bank providing a service that delighted their customers or ex-ceeded their expectations and so all banks are at risk from a competitor who adopts strategies to meet these goals. The study has contributed to knowledge by focusing on attitudes to service quality of young bank customers in a de-veloping country, an aspect that has been under-researched.
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    Assessing customer service quality in banking by an alternative service provider: An African perpective
    (HOEHERE BUNDESLEHRANSTALT UND BUNDESAMT FUER WEIN- UND OBSTBAU, 2015-09) Govender, Jeevarathnam Parthasarathy; Msosa, Steven Kayambazinthu
    Achieving service quality has been the goal of many organisations over the past decade. ln recent times, the postal business across the world has experienced a sharp decline in the volume of mail due to more efficient alternative channels of communication. The dwindling volumes of mail have made it necessary for public postal operators to diversify into financial services as one way of generating more revenue. However, the influx of many players into the financial service industry has raised the standard of service quality as a tool for business growth and sustainability and as a result, there is no room for mediocre perfom1ance. This paper examines customer perceptions of service quality in the Malawian public postal service. A survey comprising a sample of 400 financial services customers was conducted using the SERVPERF model as the measuring instrument. The results show that customer perceptions of the service quality dimensions are satisfactory. There were significant differences between education level and the perceptions of tangibles and reliability and between region and the perception of tangibles. There were no significant differences between gender, age and occupation and the perception of empathy, tangibles, assurance, reliability and responsiveness. Recommendations are proposed on how the public postal operator can improve service quality among its financial services customers. This study can prove useful as a basis for comparison of customer service quality by altemative providers of banking services in other under-developed countries.
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    Customers’ expectations and perceptions of service quality : the case of a retail pharmacy chain in South Africa
    (Mediterranean Centre of Social and Educational Research, 2014) Adat, Nafisa; Noel, Dion Trevor; Penceliah, Soobramoney
    Recent legislative changes have permitted rapid expansion of pharmacy chains in South Africa. The early effect of this appears to be lowered prices and greater competition amongst pharmacy chains. Whilst research has been conducted on general aspects of customer service quality in various industries, there appears to be few studies on customer satisfaction within the South African retail pharmaceutical sector in particular. This paper therefore seeks to assess customer satisfaction at a selected pharmacy chain within the greater Durban area. A study was conducted among 400 customers, using the SERVQUAL model as the measuring instrument. The results indicate that there are gaps between customers’ expectations and perceptions on the five service quality dimensions. The chi square test was performed to determine significant differences between four biographical variables viz. gender, age, educational level of respondents and frequency of shopping versus the five dimensions of service quality, on both expectations and perceptions. Recommendations are presented on how the pharmacy chain can enhance service quality in order to offer superior customer service in the face of growing competition.
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    International students’ expectations and perceptions of service quality : the case of a higher education institution in South Africa
    (International Foundation for Research and Development, 2012-10) Govender, Jeevarathnam Parthasarathy; Veerasamy, Dayaneethie; Noel, Dion Trevor
    South Africa has recently seen a significant increase in international student enrolments in recent years. In order to be competitive, attention needs to be given to service quality with a view to being the institution of preference. This paper therefore seeks to assess international students’ expectations and perceptions of service quality. A census was conducted among the 215 international students, using the SERVQUAL model as the measuring instrument. The results indicate that there are gaps between international students’ expectations and perceptions on the five service quality dimensions. An analysis of variance was conducted to test for significant differences between three biographical variables viz. faculty of study, qualification enrolled for and region of residence versus the five dimensions of service quality, on both expectations and perceptions. Recommendations are presented on how the institution can enhance service quality among its international students.