Browsing by Author "Nel, Jacques"

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    Cellphone banking adoption and continuance of use in an internet banking context : a study of consumers'cross-channel cognitive evaluations
    (Stellenbosch : Stellenbosch University, 2013-03) Nel, Jacques; Boshoff, Christo; Stellenbosch University. Faculty of Economic and Management Sciences. Dept. of Business Management.
    ENGLISH ABSTRACT: The convergence of the Internet, wireless technologies, and mobile devices has led to the development of a new paradigm of transacting, namely, mobile commerce. Because banking activities are easily digitised and automated, banks have seized the mobile transacting opportunity and have developed cellphone banking applications that allow more flexibility for bank clients than internet banking in terms of anywhere, anytime banking. For banks, considering the benefits associated with multi-channel customers, the ideal situation would be that bank clients using internet banking also adopt and continue to use cellphone banking in the future. Therefore, to assist marketing managers with the development of marketing strategies to enhance the concurrent use of internet and cellphone banking, this study investigates the influence of internet banking cognitive evaluations on the perceived usefulness and the perceived ease of use of cellphone banking in the formation of the intention to use and the continuance of use intention of cellphone banking. A literature review revealed that two consumer behaviour theories can guide crosschannel cognitive evaluations between the internet banking and cellphone banking channel namely, expectation-transfer theory and status quo bias theory. In the context of this study, expectation-transfer theory can explain cross-channel evaluative synergies from the internet banking channel to the cellphone banking channel, as well as dissynergies; whilst status quo bias underpins only evaluative dissynergies. These theories point to internet banking beliefs that could influence the perceived ease of use and perceived usefulness of cellphone banking. Based on the literature review, a conceptual model was developed of the formation of intention to use and the continuance of use intention of cellphone banking in an internet banking context. To assess the validity of the model empirically, data were collected from 678 users of only internet banking and 491 users of both internet and cellphone banking. The data collected in the empirical phase of the study were analysed using the structural equations modelling (SEM) software program AMOS 20.0. The results revealed that the perceived convenience and time saving of internet banking positively influence the perceived usefulness of cellphone banking for the users of both internet and cellphone banking. On the other hand, only the perceived convenience of internet banking influenced the cellphone banking usefulness perceptions of the users of only internet banking. Furthermore, internet banking trust and risk perceptions only influenced the cellphone banking usefulness perceptions of the users of only internet banking. Expectation-transfer in both cohorts was also confirmed between the ease of use perceptions of internet banking and the perceived ease of use of cellphone banking. The results also confirmed that internet banking facilitating conditions negatively influence the perceived usefulness of cellphone banking (evidence of status quo bias). The theoretical contribution of the study is apparent at three different levels. Firstly, the conceptual model of cross-channel cognitive evaluations extends the Technology Acceptance Model (TAM) with beliefs of a related technology as the determinants of perceived usefulness and perceived ease of use. Secondly, the study provides more insights into how cross-channel cognitive evaluations influence the formation of intention to use and the continuance of use intention of cellphone banking. And lastly, the study identifies additional sources of expectation-transfer and status-quo bias in the multichannel marketing context. The study provides valuable insights into internet – cellphone banking multi-channel consumer behaviour that should be considered by managers in the development of cellphone banking marketing strategies. To facilitate the conversion from internet banking to the concurrent usage of internet and cellphone banking, managers of cellphone banking services must ensure that the internet banking service is reliable and risk free. Equally important, cellphone banking must be marketed as a complementary channel to internet banking. In other words, the usefulness of cellphone banking must be emphasised in situations when the bank client is not near a computer to do internet banking or when he/she does not have the time or money to use a computer for internet banking. And lastly, to enhance the adoption of cellphone banking marketing communications must emphasise the similarities between internet and cellphone banking so that expectation-transfer between the two channels can influence behavioural intentions to adopt cellphone banking. Based on the results of the study, several recommendations can be made to enhance the continuance of use of cellphone banking. Firstly, marketing communications must remind the concurrent users of internet and cellphone banking of why they are using cellphone banking. The most important reason to remind them of is the usefulness of cellphone banking in situations where there is a lack of internet banking facilitating conditions. Marketing managers should also take note that cellphone banking users do not draw on internet banking trust and risk perceptions to form perceptions of the usefulness of cellphone banking. It may be that they only consider trust and risk perceptions directly related to cellphone banking. This conclusion emphasises the importance of cellphone banking trust and risk perceptions in cellphone banking continuance of use behaviour. Finally, the study quantified the influence of internet banking cognitive evaluations on the formation of intention to use and the continuance of use intention of cellphone banking. Considering this result, the study provides valuable information for marketing managers of cellphone services. The methodology employed can also guide future studies exploring cross-channel evaluations in a multi-channel marketing context.
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    Enhancing the use of internet banking in an emerging market
    (University of Pretoria, 2014) Nel, Jacques; Boshoff, Christo
    Electronic banking services such as internet banking offer bank clients substantial benefits over traditional banking channels. Although internet banking has been around for many years, increasing the use of the service by bank clients remains a priority for many managers of internet banking services. To address this managerial concern, the study investigates the factors that contribute to the enhanced use of internet banking by bank clients. Based on a literature review, internet-banking factors that could influence bank clients’ actual use of internet banking were identified. Data were collected from 1 156 users of internet banking. The results of the study showed that two factors influence internet banking usage, namely internet banking facilitating conditions and internet banking risk beliefs. The more favourable internet banking facilitating conditions are perceived to be, the more likely bank clients are to increase their use of internet banking. On the other hand, the greater the perceived risks associated with internet banking, the less the chances are that clients will do their banking through the internet. On the basis of these results, recommendations are provided to enhance the use of internet banking.
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    Metaloxycarbene complexes : synthesis, characterisation and reactivity in catalysis
    (Stellenbosch : Stellenbosch University, 2002-03) Nel, Jacques; Raubenheimer, H. G.; Stellenbosch University. Faculty of Science. Dept. of Chemistry & Polymer Science.
    Please refer to fulltext for abstract
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    Neurodevelopmental screening accessibility : translating the ‘Autism – Tics, ADHD & Other Comorbidities’ [A-TAC] inventory into isiXhosa and Afrikaans.
    (Stellenbosch : Stellenbosch University, 2022-04) Nel, Jacques; Kafaar, Zuhayr; Stellenbosch University. Faculty of Arts and Social Sciences. Dept. of Psychology.
    ENGLISH SUMMARY: Background. Much of the current knowledge surrounding developmental disabilities stems from well-resourced, higher income countries. In addition, historic disparities in resource allocation have translated into a medical treatment gap for many communities in South Africa. In this context, where low mental health literacy has been indicated in the public healthcare sector, it is important to understand the factors that hamper effective child health and wellness detection. It is furthermore important to develop screening tools that enable such early detection of disorder. Study Aims. I sought to translate and adapt the “Autism - Tics, ADHD & Other Comorbidities” (A-TAC) multi-domain neurodevelopmental screener into isiXhosa and Afrikaans, to overcome the lack of such South African comprehensive screens. I further sought to understand the perspectives and experiences of isiXhosa-speaking parents with regards to health screening and neurodevelopmental awareness. Methods. The A-TAC underwent isiXhosa and Afrikaans forward- and back-translation, and source language comparison, before adaptations commenced with first-language speakers. Additionally, a purposively sampled group of 6 isiXhosa-speaking parents were recruited. Parents assisted both in the adaptation of the translated isiXhosa A-TAC, as well as participated in a focus group interview regarding perceptions of and receptivity to healthcare forms, mental health detection and child neurodevelopmental themes. Focus group input underwent thematic analysis. Results. The A-TAC was translated into isiXhosa and Afrikaans and full, novel drafts of each screen have been produced. On the side of screening tool adaptation, 38% of Afrikaans items and 72% of isiXhosa items required significant revision to the original translations received. The current research produced a carefully deliberated set of adapted screen items in each language, with the isiXhosa version having additionally undergone focus group deliberation. From thematic analysis, four themes of note arose. 1) Language barriers: a lack of isiXhosa in clinics impedes discussion and can result in shame for parents. 2) Healthcare disillusionment: a lack of capacity and privacy in clinics may dampen engagement with the healthcare system. 3) Conceptions of disabilities: developmental concerns may not be spotted, may be understood as arising from emotional turmoil in the child, may be synonymised with poor learning or intellectual impairment, or may be understood as the result of bewitchment. 4) Management routes opted for: parents may choose inaction, or proactively pursue discipline, self-training, school support and healthcare support strategies. Conclusion. Draft translations of the isiXhosa and Afrikaans A-TAC have been successfully produced, with recommendations for further contextual adaptation and testing proposed. My research achieved its goal of unpacking parent perceptions surrounding healthcare detection and conceptions of Neurodevelopmental Disorders. Although discussion emerged within more of a biomedical framework, it highlighted barriers to healthcare service and the need for additional support avenues, including within the school environment. A novel element to emerge was the experience of language shame in the public healthcare setting.