An exploration into the use of webinjects by financial malware
- Authors: Forrester, Jock Ingram
- Date: 2014
- Subjects: Malware (Computer software) -- Analysis , Internet fraud , Computer crimes , Computer security , Electronic commerce
- Language: English
- Type: Thesis , Masters , MSc
- Identifier: vital:4697 , http://hdl.handle.net/10962/d1012079 , Malware (Computer software) -- Analysis , Internet fraud , Computer crimes , Computer security , Electronic commerce
- Description: As the number of computing devices connected to the Internet increases and the Internet itself becomes more pervasive, so does the opportunity for criminals to use these devices in cybercrimes. Supporting the increase in cybercrime is the growth and maturity of the digital underground economy with strong links to its more visible and physical counterpart. The digital underground economy provides software and related services to equip the entrepreneurial cybercriminal with the appropriate skills and required tools. Financial malware, particularly the capability for injection of code into web browsers, has become one of the more profitable cybercrime tool sets due to its versatility and adaptability when targeting clients of institutions with an online presence, both in and outside of the financial industry. There are numerous families of financial malware available for use, with perhaps the most prevalent being Zeus and SpyEye. Criminals create (or purchase) and grow botnets of computing devices infected with financial malware that has been configured to attack clients of certain websites. In the research data set there are 483 configuration files containing approximately 40 000 webinjects that were captured from various financial malware botnets between October 2010 and June 2012. They were processed and analysed to determine the methods used by criminals to defraud either the user of the computing device, or the institution of which the user is a client. The configuration files contain the injection code that is executed in the web browser to create a surrogate interface, which is then used by the criminal to interact with the user and institution in order to commit fraud. Demographics on the captured data set are presented and case studies are documented based on the various methods used to defraud and bypass financial security controls across multiple industries. The case studies cover techniques used in social engineering, bypassing security controls and automated transfers.
- Full Text:
- Date Issued: 2014
- Authors: Forrester, Jock Ingram
- Date: 2014
- Subjects: Malware (Computer software) -- Analysis , Internet fraud , Computer crimes , Computer security , Electronic commerce
- Language: English
- Type: Thesis , Masters , MSc
- Identifier: vital:4697 , http://hdl.handle.net/10962/d1012079 , Malware (Computer software) -- Analysis , Internet fraud , Computer crimes , Computer security , Electronic commerce
- Description: As the number of computing devices connected to the Internet increases and the Internet itself becomes more pervasive, so does the opportunity for criminals to use these devices in cybercrimes. Supporting the increase in cybercrime is the growth and maturity of the digital underground economy with strong links to its more visible and physical counterpart. The digital underground economy provides software and related services to equip the entrepreneurial cybercriminal with the appropriate skills and required tools. Financial malware, particularly the capability for injection of code into web browsers, has become one of the more profitable cybercrime tool sets due to its versatility and adaptability when targeting clients of institutions with an online presence, both in and outside of the financial industry. There are numerous families of financial malware available for use, with perhaps the most prevalent being Zeus and SpyEye. Criminals create (or purchase) and grow botnets of computing devices infected with financial malware that has been configured to attack clients of certain websites. In the research data set there are 483 configuration files containing approximately 40 000 webinjects that were captured from various financial malware botnets between October 2010 and June 2012. They were processed and analysed to determine the methods used by criminals to defraud either the user of the computing device, or the institution of which the user is a client. The configuration files contain the injection code that is executed in the web browser to create a surrogate interface, which is then used by the criminal to interact with the user and institution in order to commit fraud. Demographics on the captured data set are presented and case studies are documented based on the various methods used to defraud and bypass financial security controls across multiple industries. The case studies cover techniques used in social engineering, bypassing security controls and automated transfers.
- Full Text:
- Date Issued: 2014
The effect of global e-commerce on taxation legislation and the permanent establishment concept in South Africa
- Authors: Young, Nikita Jade
- Date: 2013
- Subjects: Electronic commerce , Electronic commerce -- Taxation , Electronic commerce -- South Africa , Taxation -- Law and legislation -- South Africa , South African taxation , E-commerce , Permanent establishment , Foreign business entity
- Language: English
- Type: Thesis , Masters , MCom
- Identifier: vital:876 , http://hdl.handle.net/10962/d1001608 , Electronic commerce , Electronic commerce -- Taxation , Electronic commerce -- South Africa , Taxation -- Law and legislation -- South Africa
- Description: The objective of this thesis was to analyse the effect of the increasing popularity of global e-commerce on the South African legislative framework in respect of the taxation of non-resident enterprises, and to propose a possible solution for the taxation of e-commerce, taking into account previous theories. The methodology utilised comprised of a critical analysis of the legal rules relating to the taxation of a foreign entity's business profits by virtue of the application of the permanent establishment principle, its definition and evolution as a conceptual basis for taxation. Furthermore, an in depth evaluation of the various solutions that have already been proposed and, in some cases, implemented was undertaken. It was concluded that the application of the permanent establishment principle is wholly ineffective as a means to levy tax on the e-commerce business profits of a foreign entity as the principle relies too heavily upon a physical intermediary in the source state, whereas e-commerce transactions are conducted on the intangible trading platform of the Internet. In light of the numerous policy proposals advanced over the years, it was concluded that the most feasible and practical solution for the taxation of foreign e-commerce would be the imposition on a foreign entity in South Africa of a low withholding tax on the active business profits in excess of a pre-determined threshold. Key words: South African taxation; e-commerce; foreign business entity; permanent establishment; withholding tax
- Full Text:
- Date Issued: 2013
- Authors: Young, Nikita Jade
- Date: 2013
- Subjects: Electronic commerce , Electronic commerce -- Taxation , Electronic commerce -- South Africa , Taxation -- Law and legislation -- South Africa , South African taxation , E-commerce , Permanent establishment , Foreign business entity
- Language: English
- Type: Thesis , Masters , MCom
- Identifier: vital:876 , http://hdl.handle.net/10962/d1001608 , Electronic commerce , Electronic commerce -- Taxation , Electronic commerce -- South Africa , Taxation -- Law and legislation -- South Africa
- Description: The objective of this thesis was to analyse the effect of the increasing popularity of global e-commerce on the South African legislative framework in respect of the taxation of non-resident enterprises, and to propose a possible solution for the taxation of e-commerce, taking into account previous theories. The methodology utilised comprised of a critical analysis of the legal rules relating to the taxation of a foreign entity's business profits by virtue of the application of the permanent establishment principle, its definition and evolution as a conceptual basis for taxation. Furthermore, an in depth evaluation of the various solutions that have already been proposed and, in some cases, implemented was undertaken. It was concluded that the application of the permanent establishment principle is wholly ineffective as a means to levy tax on the e-commerce business profits of a foreign entity as the principle relies too heavily upon a physical intermediary in the source state, whereas e-commerce transactions are conducted on the intangible trading platform of the Internet. In light of the numerous policy proposals advanced over the years, it was concluded that the most feasible and practical solution for the taxation of foreign e-commerce would be the imposition on a foreign entity in South Africa of a low withholding tax on the active business profits in excess of a pre-determined threshold. Key words: South African taxation; e-commerce; foreign business entity; permanent establishment; withholding tax
- Full Text:
- Date Issued: 2013
Valuation of internet-based businesses
- Authors: Krüger, Janine
- Date: 2013
- Subjects: Electronic commerce , Internet marketing -- Evaluation , New business enterprises , Internet marketing , Retail trade -- Computer network resources , Teleshopping , Consumer behavior
- Language: English
- Type: Thesis , Doctoral , PhD
- Identifier: vital:9280 , http://hdl.handle.net/10948/d1008187 , Electronic commerce , Internet marketing -- Evaluation , New business enterprises , Internet marketing , Retail trade -- Computer network resources , Teleshopping , Consumer behavior
- Description: This study investigates the valuation of Internet-based businesses. In particular the influence of the implementation of an e-business strategy on the value of a business by focussing on its financial performance, will be determined. Although the valuation of businesses in general has been researched extensively, research on the valuation of Internet-based businesses produced contradictory findings. No consensus could be reached regarding the most appropriate valuation approach to be used. Some research findings indicated that the discounted cash flow approach was the most appropriate while others stipulated that a new valuation approach should be developed. Many authors state that the move to include an e-business strategy is natural, and that businesses cannot afford not to include some form of e-business strategy. Previous research has also shown that by including an e-business strategy, it is possible to improve efficiency of the business and ultimately increase profitability. However, there was no emphasis on how the e-business strategy will influence the business valuation. In order to establish whether an e-business strategy will create value for a business, an empirical investigation was undertaken.
- Full Text:
- Date Issued: 2013
- Authors: Krüger, Janine
- Date: 2013
- Subjects: Electronic commerce , Internet marketing -- Evaluation , New business enterprises , Internet marketing , Retail trade -- Computer network resources , Teleshopping , Consumer behavior
- Language: English
- Type: Thesis , Doctoral , PhD
- Identifier: vital:9280 , http://hdl.handle.net/10948/d1008187 , Electronic commerce , Internet marketing -- Evaluation , New business enterprises , Internet marketing , Retail trade -- Computer network resources , Teleshopping , Consumer behavior
- Description: This study investigates the valuation of Internet-based businesses. In particular the influence of the implementation of an e-business strategy on the value of a business by focussing on its financial performance, will be determined. Although the valuation of businesses in general has been researched extensively, research on the valuation of Internet-based businesses produced contradictory findings. No consensus could be reached regarding the most appropriate valuation approach to be used. Some research findings indicated that the discounted cash flow approach was the most appropriate while others stipulated that a new valuation approach should be developed. Many authors state that the move to include an e-business strategy is natural, and that businesses cannot afford not to include some form of e-business strategy. Previous research has also shown that by including an e-business strategy, it is possible to improve efficiency of the business and ultimately increase profitability. However, there was no emphasis on how the e-business strategy will influence the business valuation. In order to establish whether an e-business strategy will create value for a business, an empirical investigation was undertaken.
- Full Text:
- Date Issued: 2013
Phishing within e-commerce: reducing the risk, increasing the trust
- Authors: Megaw, Gregory M
- Date: 2010
- Subjects: Phishing , Identity theft -- Prevention , Electronic commerce , Computer security , Internet -- Safety measures
- Language: English
- Type: Thesis , Masters , MCom (Information Systems)
- Identifier: vital:11131 , http://hdl.handle.net/10353/376 , Phishing , Identity theft -- Prevention , Electronic commerce , Computer security , Internet -- Safety measures
- Description: E-Commerce has been plagued with problems since its inception and this study examines one of these problems: The lack of user trust in E-Commerce created by the risk of phishing. Phishing has grown exponentially together with the expansion of the Internet. This growth and the advancement of technology has not only benefited honest Internet users, but has enabled criminals to increase their effectiveness which has caused considerable damage to this budding area of commerce. Moreover, it has negatively impacted both the user and online business in breaking down the trust relationship between them. In an attempt to explore this problem, the following was considered: First, E-Commerce’s vulnerability to phishing attacks. By referring to the Common Criteria Security Model, various critical security areas within E-Commerce are identified, as well as the areas of vulnerability and weakness. Second, the methods and techniques used in phishing, such as phishing e-mails, websites and addresses, distributed attacks and redirected attacks, as well as the data that phishers seek to obtain, are examined. Furthermore, the way to reduce the risk of phishing and in turn increase the trust between users and websites is identified. Here the importance of Trust and the Uncertainty Reduction Theory plus the fine balance between trust and control is explored. Finally, the study presents Critical Success Factors that aid in phishing prevention and control, these being: User Authentication, Website Authentication, E-mail Authentication, Data Cryptography, Communication, and Active Risk Mitigation.
- Full Text:
- Date Issued: 2010
- Authors: Megaw, Gregory M
- Date: 2010
- Subjects: Phishing , Identity theft -- Prevention , Electronic commerce , Computer security , Internet -- Safety measures
- Language: English
- Type: Thesis , Masters , MCom (Information Systems)
- Identifier: vital:11131 , http://hdl.handle.net/10353/376 , Phishing , Identity theft -- Prevention , Electronic commerce , Computer security , Internet -- Safety measures
- Description: E-Commerce has been plagued with problems since its inception and this study examines one of these problems: The lack of user trust in E-Commerce created by the risk of phishing. Phishing has grown exponentially together with the expansion of the Internet. This growth and the advancement of technology has not only benefited honest Internet users, but has enabled criminals to increase their effectiveness which has caused considerable damage to this budding area of commerce. Moreover, it has negatively impacted both the user and online business in breaking down the trust relationship between them. In an attempt to explore this problem, the following was considered: First, E-Commerce’s vulnerability to phishing attacks. By referring to the Common Criteria Security Model, various critical security areas within E-Commerce are identified, as well as the areas of vulnerability and weakness. Second, the methods and techniques used in phishing, such as phishing e-mails, websites and addresses, distributed attacks and redirected attacks, as well as the data that phishers seek to obtain, are examined. Furthermore, the way to reduce the risk of phishing and in turn increase the trust between users and websites is identified. Here the importance of Trust and the Uncertainty Reduction Theory plus the fine balance between trust and control is explored. Finally, the study presents Critical Success Factors that aid in phishing prevention and control, these being: User Authentication, Website Authentication, E-mail Authentication, Data Cryptography, Communication, and Active Risk Mitigation.
- Full Text:
- Date Issued: 2010
Small hospitality enterprises and the internet: an IT governance model for conducting business online
- Authors: Ngoqo, Bukelwa
- Date: 2010
- Subjects: Hospitality industry -- South Africa , Tourism -- South Africa , Organizational effectiveness -- South Africa , Electronic commerce , Internet , Risk management , Electronic data processing
- Language: English
- Type: Thesis , Masters , MCom (Information Systems)
- Identifier: vital:11133 , http://hdl.handle.net/10353/382 , Hospitality industry -- South Africa , Tourism -- South Africa , Organizational effectiveness -- South Africa , Electronic commerce , Internet , Risk management , Electronic data processing
- Description: The Internet has made a considerable impact on how business is conducted. Empowered by technology consumers are using the Internet as a tool to communicate and transact online. E-commerce (electronic commerce) presents opportunities for business to gain a competitive advantage, however it also posses certain challenges. Small and Medium Hospitality Enterprises (SMHEs) sector within the tourism industry, is one of the sectors which stands to benefit from using the Internet for business. Researchers agree that the contribution made by the tourism sector in developing economies is substantial. However, SMHEs are noted for their failure to derive optimal benefits from using the Internet for business to improve their competitiveness. This study which seeks to develop a model for use by SMHEs as a guide when making the decision to adopt technology was necessitated by the importance of SMHE’s contribution in the economy of developing countries. This model is based on the examination of existing theories and models such as; the Delone and McLean IS success model (2004), and the ITGI’s (2007) IT governance focus areas model. To elicit the desired outcomes, additional data was collected using questionnaires, interviews, and observations. The collected data was analysed and resulted in the development of a model that can be used by SMHEs in order to derive value from IT and to gain a competitive advantage.
- Full Text:
- Date Issued: 2010
- Authors: Ngoqo, Bukelwa
- Date: 2010
- Subjects: Hospitality industry -- South Africa , Tourism -- South Africa , Organizational effectiveness -- South Africa , Electronic commerce , Internet , Risk management , Electronic data processing
- Language: English
- Type: Thesis , Masters , MCom (Information Systems)
- Identifier: vital:11133 , http://hdl.handle.net/10353/382 , Hospitality industry -- South Africa , Tourism -- South Africa , Organizational effectiveness -- South Africa , Electronic commerce , Internet , Risk management , Electronic data processing
- Description: The Internet has made a considerable impact on how business is conducted. Empowered by technology consumers are using the Internet as a tool to communicate and transact online. E-commerce (electronic commerce) presents opportunities for business to gain a competitive advantage, however it also posses certain challenges. Small and Medium Hospitality Enterprises (SMHEs) sector within the tourism industry, is one of the sectors which stands to benefit from using the Internet for business. Researchers agree that the contribution made by the tourism sector in developing economies is substantial. However, SMHEs are noted for their failure to derive optimal benefits from using the Internet for business to improve their competitiveness. This study which seeks to develop a model for use by SMHEs as a guide when making the decision to adopt technology was necessitated by the importance of SMHE’s contribution in the economy of developing countries. This model is based on the examination of existing theories and models such as; the Delone and McLean IS success model (2004), and the ITGI’s (2007) IT governance focus areas model. To elicit the desired outcomes, additional data was collected using questionnaires, interviews, and observations. The collected data was analysed and resulted in the development of a model that can be used by SMHEs in order to derive value from IT and to gain a competitive advantage.
- Full Text:
- Date Issued: 2010
The impact of electronic service quality dimension on customer satisfaction
- Van der Merwe, Samatha Michelle
- Authors: Van der Merwe, Samatha Michelle
- Date: 2010
- Subjects: Electronic commerce , Consumer satisfaction
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: vital:8652 , http://hdl.handle.net/10948/1367 , Electronic commerce , Consumer satisfaction
- Description: Online purchasing is becoming increasingly common as a purchasing mode. At the onset of e-commerce it was thought that success was guaranteed merely by being present on the internet and offering low prices. Currently customer service has proved itself to be a key element for achieving good results in a website (Zeithaml, Parasuraman & Malhotra, 2002b). In this context, the study of commercial website quality has emerged as an area of strategic importance. As in traditional stores, service quality and customer satisfaction seem to play vital roles in the success and survival of Internet sites.
- Full Text:
- Date Issued: 2010
- Authors: Van der Merwe, Samatha Michelle
- Date: 2010
- Subjects: Electronic commerce , Consumer satisfaction
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: vital:8652 , http://hdl.handle.net/10948/1367 , Electronic commerce , Consumer satisfaction
- Description: Online purchasing is becoming increasingly common as a purchasing mode. At the onset of e-commerce it was thought that success was guaranteed merely by being present on the internet and offering low prices. Currently customer service has proved itself to be a key element for achieving good results in a website (Zeithaml, Parasuraman & Malhotra, 2002b). In this context, the study of commercial website quality has emerged as an area of strategic importance. As in traditional stores, service quality and customer satisfaction seem to play vital roles in the success and survival of Internet sites.
- Full Text:
- Date Issued: 2010
A model for user requirements elicitation specific to users in rural areas
- Authors: Isabirye, Naomi
- Date: 2009
- Subjects: Internet marketing , Electronic commerce , Land reform -- South Africa -- Eastern Cape , Sustainable development -- South Africa -- Eastern Cape , Rural poor -- South Africa -- Eastern Cape , Information resources management
- Language: English
- Type: Thesis , Masters , MCom (Information Systems)
- Identifier: vital:11130 , http://hdl.handle.net/10353/145 , Internet marketing , Electronic commerce , Land reform -- South Africa -- Eastern Cape , Sustainable development -- South Africa -- Eastern Cape , Rural poor -- South Africa -- Eastern Cape , Information resources management
- Description: Dwesa is a rural town situated in South Africa's Eastern Cape Province that has been selected as a testing site for an e-commerce project to address some of the challenges faced by the community. These challenges include difficulties stemming from poverty, poor access to public services, unemployment and low levels of literacy. The Siyakhula Living Lab project’s aim is to develop an e-commerce platform that will 'connect' the residents with the necessary access to services and markets by providing them with the necessary tools that can help in alleviating some of their challenges. In order for the project to achieve its objectives, a deeper understanding into the needs of the prospective users is required. User requirements elicitation deals with the process of interacting with the prospective users to understand and document their needs. This research aims at evaluating existing requirements elicitation techniques and methodologies in the context of rural information technology implementations. The primary objective is to develop a model for user requirements elicitation in Dwesa. Many requirements elicitation techniques and frameworks exist, but few have been evaluated in the context of rural software implementations. Requirements elicitation techniques should not be applied simply as steps to gather information. Instead this research project proposes a model that can be applied to assimilate the contribution of knowledge regarding the stakeholders, problem and solution characteristics, and other characteristics into the software development process for the effective elicitation of requirements.
- Full Text:
- Date Issued: 2009
- Authors: Isabirye, Naomi
- Date: 2009
- Subjects: Internet marketing , Electronic commerce , Land reform -- South Africa -- Eastern Cape , Sustainable development -- South Africa -- Eastern Cape , Rural poor -- South Africa -- Eastern Cape , Information resources management
- Language: English
- Type: Thesis , Masters , MCom (Information Systems)
- Identifier: vital:11130 , http://hdl.handle.net/10353/145 , Internet marketing , Electronic commerce , Land reform -- South Africa -- Eastern Cape , Sustainable development -- South Africa -- Eastern Cape , Rural poor -- South Africa -- Eastern Cape , Information resources management
- Description: Dwesa is a rural town situated in South Africa's Eastern Cape Province that has been selected as a testing site for an e-commerce project to address some of the challenges faced by the community. These challenges include difficulties stemming from poverty, poor access to public services, unemployment and low levels of literacy. The Siyakhula Living Lab project’s aim is to develop an e-commerce platform that will 'connect' the residents with the necessary access to services and markets by providing them with the necessary tools that can help in alleviating some of their challenges. In order for the project to achieve its objectives, a deeper understanding into the needs of the prospective users is required. User requirements elicitation deals with the process of interacting with the prospective users to understand and document their needs. This research aims at evaluating existing requirements elicitation techniques and methodologies in the context of rural information technology implementations. The primary objective is to develop a model for user requirements elicitation in Dwesa. Many requirements elicitation techniques and frameworks exist, but few have been evaluated in the context of rural software implementations. Requirements elicitation techniques should not be applied simply as steps to gather information. Instead this research project proposes a model that can be applied to assimilate the contribution of knowledge regarding the stakeholders, problem and solution characteristics, and other characteristics into the software development process for the effective elicitation of requirements.
- Full Text:
- Date Issued: 2009
Technologicalship in e-banking services: a constraint or contributor to relationship marketing in retail banking in East London, Eastern Cape, South Africa
- Authors: Masocha, Reginald
- Date: 2009
- Subjects: Bank management , Electronic funds transfers , Banks and banking -- South Africa -- Eastern Cape , Electronic data interchange , Electronic commerce
- Language: English
- Type: Thesis , Masters , M Com (Business Management)
- Identifier: vital:11316 , http://hdl.handle.net/10353/306 , Bank management , Electronic funds transfers , Banks and banking -- South Africa -- Eastern Cape , Electronic data interchange , Electronic commerce
- Description: Contemporarily, one of the major business demands is to extensively understand the impact of technology on the major business strategies and practices. Technologicalship marketing, a concept investigated in this study, emanates from a symbiosis of technology and relationship marketing. Per se, a prevalent area of debate pertains to whether technology promotes or constrains relationships. Outstandingly, this study pursued the technologicalship marketing concept, a new and vital 21st century suggestion in literature (Zineldin, 2000:16). Secondly, against the scarcity of empirical studies in mass marketing environments, the study at hand focused on retail banking client relationships. Lastly, the proposed meta-construct hypothetical model is an essential relationship marketing instrument. The proposed model consists of four major relationship marketing construct categories, namely, personal contact, customer retention, customer switching and relational exchange. At the hand of these constructs, the research primarily aimed to determine the impact of technology on client relationships in e-banking with the focus of closing the gap prevalent in literature on whether technology constraints or supports relationship marketing. The study focused on retail banking client relationships of the four major commercial banks in East London, Eastern Cape, South Africa. A survey was conducted of a sample of 200 clients selected using the convenience sampling method. The study hypothesised that technology is resulting in more transactional than relationship marketing in retail banking by constraining social constructions, customer retention and relational exchange, whilst, promoting customer switching mobility. Through the GLM regression analysis method, findings of the study established that technology was to a larger extent supporting relationship marketing. However, it is envisaged that technology is resulting in the disappearance of human contact which is a critical aspect of relationships. Conclusively, the researcher recommended that the only plausible strategy is to endeavour to integrate the human aspect at self-service podiums e.g. mounting of staff at ATM points, which most banks have been doing.
- Full Text:
- Date Issued: 2009
- Authors: Masocha, Reginald
- Date: 2009
- Subjects: Bank management , Electronic funds transfers , Banks and banking -- South Africa -- Eastern Cape , Electronic data interchange , Electronic commerce
- Language: English
- Type: Thesis , Masters , M Com (Business Management)
- Identifier: vital:11316 , http://hdl.handle.net/10353/306 , Bank management , Electronic funds transfers , Banks and banking -- South Africa -- Eastern Cape , Electronic data interchange , Electronic commerce
- Description: Contemporarily, one of the major business demands is to extensively understand the impact of technology on the major business strategies and practices. Technologicalship marketing, a concept investigated in this study, emanates from a symbiosis of technology and relationship marketing. Per se, a prevalent area of debate pertains to whether technology promotes or constrains relationships. Outstandingly, this study pursued the technologicalship marketing concept, a new and vital 21st century suggestion in literature (Zineldin, 2000:16). Secondly, against the scarcity of empirical studies in mass marketing environments, the study at hand focused on retail banking client relationships. Lastly, the proposed meta-construct hypothetical model is an essential relationship marketing instrument. The proposed model consists of four major relationship marketing construct categories, namely, personal contact, customer retention, customer switching and relational exchange. At the hand of these constructs, the research primarily aimed to determine the impact of technology on client relationships in e-banking with the focus of closing the gap prevalent in literature on whether technology constraints or supports relationship marketing. The study focused on retail banking client relationships of the four major commercial banks in East London, Eastern Cape, South Africa. A survey was conducted of a sample of 200 clients selected using the convenience sampling method. The study hypothesised that technology is resulting in more transactional than relationship marketing in retail banking by constraining social constructions, customer retention and relational exchange, whilst, promoting customer switching mobility. Through the GLM regression analysis method, findings of the study established that technology was to a larger extent supporting relationship marketing. However, it is envisaged that technology is resulting in the disappearance of human contact which is a critical aspect of relationships. Conclusively, the researcher recommended that the only plausible strategy is to endeavour to integrate the human aspect at self-service podiums e.g. mounting of staff at ATM points, which most banks have been doing.
- Full Text:
- Date Issued: 2009
Implementing a robust, cost effective, e-commerce platform for a disadvantaged community of the Eastern Cape, South Africa
- Authors: Njeje, Sicelo Given
- Date: 2008
- Subjects: Computer network architectures -- South Africa -- Design and construction , Rural development -- South Africa -- Eastern Cape , Internet marketing , Business enterprises -- Computer networks , Electronic commerce
- Language: English
- Type: Thesis , Masters , MSc (Computer Science)
- Identifier: vital:11373 , http://hdl.handle.net/10353/75 , Computer network architectures -- South Africa -- Design and construction , Rural development -- South Africa -- Eastern Cape , Internet marketing , Business enterprises -- Computer networks , Electronic commerce
- Description: The development of electronic commerce (e-commerce) is the most visible business use of the World Wide Web. The primary goal of an e-commerce site is to sell goods and services online. This project deals with developing an e-commerce platform for marginalized communities of the Eastern Cape region, South Africa. An online “shopping mall” to support the marketing of art and crafts from disadvantaged communities is presented, with Linux-Apache-MySQL-PHP (LAMP) as the development environment. Free and Open Source Software has been chosen to develop the virtual shopping mall system because the use of Open Source allows easy localization and extensions to the system developed and long term sustainability, as the source code is available. Also, it might start a “virtuous” circle, whereby young members of the communities hosting art and craft makers become involved in maintenance, and then production, of software systems. One important design constraint from the e-commerce platform presented in this thesis is the possibility for the art and craft makers to manage their shops directly, from the initial loading of their wares to the day-to-day maintenance, such as changes of price or items. The user requirement elicitation and initial field testing were conducted in Dwesa, an area on the wild coast, South Africa. The system currently comprising two shops is live at the time of writing this thesis at www.dwesa.com.
- Full Text:
- Date Issued: 2008
- Authors: Njeje, Sicelo Given
- Date: 2008
- Subjects: Computer network architectures -- South Africa -- Design and construction , Rural development -- South Africa -- Eastern Cape , Internet marketing , Business enterprises -- Computer networks , Electronic commerce
- Language: English
- Type: Thesis , Masters , MSc (Computer Science)
- Identifier: vital:11373 , http://hdl.handle.net/10353/75 , Computer network architectures -- South Africa -- Design and construction , Rural development -- South Africa -- Eastern Cape , Internet marketing , Business enterprises -- Computer networks , Electronic commerce
- Description: The development of electronic commerce (e-commerce) is the most visible business use of the World Wide Web. The primary goal of an e-commerce site is to sell goods and services online. This project deals with developing an e-commerce platform for marginalized communities of the Eastern Cape region, South Africa. An online “shopping mall” to support the marketing of art and crafts from disadvantaged communities is presented, with Linux-Apache-MySQL-PHP (LAMP) as the development environment. Free and Open Source Software has been chosen to develop the virtual shopping mall system because the use of Open Source allows easy localization and extensions to the system developed and long term sustainability, as the source code is available. Also, it might start a “virtuous” circle, whereby young members of the communities hosting art and craft makers become involved in maintenance, and then production, of software systems. One important design constraint from the e-commerce platform presented in this thesis is the possibility for the art and craft makers to manage their shops directly, from the initial loading of their wares to the day-to-day maintenance, such as changes of price or items. The user requirement elicitation and initial field testing were conducted in Dwesa, an area on the wild coast, South Africa. The system currently comprising two shops is live at the time of writing this thesis at www.dwesa.com.
- Full Text:
- Date Issued: 2008
A conceptual framework for the e-enabling of automotive supply chanins
- Authors: Cameron, Hilton John
- Date: 2004
- Subjects: Electronic commerce , Business logistics
- Language: English
- Type: Thesis , Masters , MTech (Information Technology)
- Identifier: vital:10791 , http://hdl.handle.net/10948/209 , Electronic commerce , Business logistics
- Description: Supply chains encompass all of the diverse activities that are associated with the flow and transformation of goods, right from the beginning stage of the raw materials, all the way through to the consumer. Supply chains are broken into three distinct parts, namely upstream activities involving the material and service inputs from suppliers, internal activities involving the manufacture and packaging of the goods, and downstream activities, which involve the distribution and sale of the goods. Since the inception of the automotive industry, buyers and suppliers have been linked in rigid, inflexible relationships. With the advent of the Internet, however, supply chains are becoming less rigid and more efficient. E-enabling an automotive supply chain involves two distinct spheres of interest, namely, the sphere of automotive supply chains and that of e-business. Both spheres are evolving fast and becoming increasingly complex. Due to the increasing complexity, there is a lack of understanding with regard to incorporating e-business principles effectively into automotive supply chains. In order to address this lack of understanding, the dissertation proposes a conceptual framework that can be used to assist in the process of e-enabling an automotive supply chain. Before the dissertation ventures to propose this conceptual framework, a number of challenges that may be encountered when attempting to enable an automotive supply chain are highlighted. The proposed framework, therefore, specifically aims to position activities conceptually in such a way that it can be argued that the identified challenges are considered at the appropriate time in the e-enabling process. The framework therefore, focuses on the entire process, starting at the planning phase and going right through to the implementation phase. As such, the framework consists of various phases, with each phase containing a myriad of activities. The different phases of the framework include developing a strategic business plan, designing an information technology architecture, identifying system and resource requirements, creating a project plan and finally implementing the project. These phases aim to address the entire e-enabling process. The contribution that this dissertation makes is in the form of a conceptual framework which may be followed during the e-enabling process. The framework aims to provide direction and to ensure that the many activities that are involved in the e-enabling process are considered. The dissertation also highlights the many challenges that may be encountered when enabling a supply chain. Lastly a prototype application has been developed using a new Internet technology. The prototype has been developed in order to ascertain the new technologies suitability to the e-enabled supply chain environment.
- Full Text:
- Date Issued: 2004
- Authors: Cameron, Hilton John
- Date: 2004
- Subjects: Electronic commerce , Business logistics
- Language: English
- Type: Thesis , Masters , MTech (Information Technology)
- Identifier: vital:10791 , http://hdl.handle.net/10948/209 , Electronic commerce , Business logistics
- Description: Supply chains encompass all of the diverse activities that are associated with the flow and transformation of goods, right from the beginning stage of the raw materials, all the way through to the consumer. Supply chains are broken into three distinct parts, namely upstream activities involving the material and service inputs from suppliers, internal activities involving the manufacture and packaging of the goods, and downstream activities, which involve the distribution and sale of the goods. Since the inception of the automotive industry, buyers and suppliers have been linked in rigid, inflexible relationships. With the advent of the Internet, however, supply chains are becoming less rigid and more efficient. E-enabling an automotive supply chain involves two distinct spheres of interest, namely, the sphere of automotive supply chains and that of e-business. Both spheres are evolving fast and becoming increasingly complex. Due to the increasing complexity, there is a lack of understanding with regard to incorporating e-business principles effectively into automotive supply chains. In order to address this lack of understanding, the dissertation proposes a conceptual framework that can be used to assist in the process of e-enabling an automotive supply chain. Before the dissertation ventures to propose this conceptual framework, a number of challenges that may be encountered when attempting to enable an automotive supply chain are highlighted. The proposed framework, therefore, specifically aims to position activities conceptually in such a way that it can be argued that the identified challenges are considered at the appropriate time in the e-enabling process. The framework therefore, focuses on the entire process, starting at the planning phase and going right through to the implementation phase. As such, the framework consists of various phases, with each phase containing a myriad of activities. The different phases of the framework include developing a strategic business plan, designing an information technology architecture, identifying system and resource requirements, creating a project plan and finally implementing the project. These phases aim to address the entire e-enabling process. The contribution that this dissertation makes is in the form of a conceptual framework which may be followed during the e-enabling process. The framework aims to provide direction and to ensure that the many activities that are involved in the e-enabling process are considered. The dissertation also highlights the many challenges that may be encountered when enabling a supply chain. Lastly a prototype application has been developed using a new Internet technology. The prototype has been developed in order to ascertain the new technologies suitability to the e-enabled supply chain environment.
- Full Text:
- Date Issued: 2004
Towards an extended enterprise through e-Business integration
- Authors: Mostert, Nicolette
- Date: 2004
- Subjects: Enterprise application integration (Computer systems) , Electronic commerce , Business enterprises -- Data processing
- Language: English
- Type: Thesis , Masters , MTech (Information Technology)
- Identifier: vital:10803 , http://hdl.handle.net/10948/268 , Enterprise application integration (Computer systems) , Electronic commerce , Business enterprises -- Data processing
- Description: The focus of this project will be on introducing the concept of an extended enterprise to business leaders, subsequently presenting e- Business Integration and the supporting role that it can play in the establishment of an extended enterprise. Various literature sources will be consolidated to describe the integration approaches and supporting integration technologies and standards that can be employed in establishing integrated communication between the members of the extended enterprise. Finally, a phased approach will be proposed that can be employed in supporting the establishment of an extended enterprise through e-Business Integration.
- Full Text:
- Date Issued: 2004
- Authors: Mostert, Nicolette
- Date: 2004
- Subjects: Enterprise application integration (Computer systems) , Electronic commerce , Business enterprises -- Data processing
- Language: English
- Type: Thesis , Masters , MTech (Information Technology)
- Identifier: vital:10803 , http://hdl.handle.net/10948/268 , Enterprise application integration (Computer systems) , Electronic commerce , Business enterprises -- Data processing
- Description: The focus of this project will be on introducing the concept of an extended enterprise to business leaders, subsequently presenting e- Business Integration and the supporting role that it can play in the establishment of an extended enterprise. Various literature sources will be consolidated to describe the integration approaches and supporting integration technologies and standards that can be employed in establishing integrated communication between the members of the extended enterprise. Finally, a phased approach will be proposed that can be employed in supporting the establishment of an extended enterprise through e-Business Integration.
- Full Text:
- Date Issued: 2004
A strategy for the implementation of e-business and e-commerce to achieve a competitive advantage in the textile industry
- Authors: Futcher, Shane Henry
- Date: 2003
- Subjects: Electronic commerce , Competition , Textile industry
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: vital:10886 , http://hdl.handle.net/10948/140 , Electronic commerce , Competition , Textile industry
- Description: The research problem addressed in this study was to determine what is required for e-business and e-commerce to have an impact on the Textile Industry in the Nelson Mandela Metropolitan. To achieve this objective, a literature study was done to identify what strategies were needed and how e-business and e-commerce would enhance the relationships between the organisations, suppliers and customers. An empirical study was conducted to ascertain what the managers within the Textile Industry know about e-commerce and e-business and the role they have or could play within their industry.
- Full Text:
- Date Issued: 2003
- Authors: Futcher, Shane Henry
- Date: 2003
- Subjects: Electronic commerce , Competition , Textile industry
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: vital:10886 , http://hdl.handle.net/10948/140 , Electronic commerce , Competition , Textile industry
- Description: The research problem addressed in this study was to determine what is required for e-business and e-commerce to have an impact on the Textile Industry in the Nelson Mandela Metropolitan. To achieve this objective, a literature study was done to identify what strategies were needed and how e-business and e-commerce would enhance the relationships between the organisations, suppliers and customers. An empirical study was conducted to ascertain what the managers within the Textile Industry know about e-commerce and e-business and the role they have or could play within their industry.
- Full Text:
- Date Issued: 2003
The determination of critical success factors that impact on the performance of SMEs in e-commerce
- Authors: Zeelie, Eben Johannes
- Date: 2002
- Subjects: Electronic commerce , Small business -- Management , New business enterprises -- Management
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: vital:10905 , http://hdl.handle.net/10948/118 , Electronic commerce , Small business -- Management , New business enterprises -- Management
- Description: The research problem addressed in this study is the determination of the critical success factors for SMEs in e-commerce. To achieve the objective, an integrated list of critical success factors, gathered from practitioner- and academic literature, had to be identified. The integrated list was developed through the following sub-processes: · The first consisted of a literature survey of the sources and the identification of critical success factors, which lead to insights into the role of critical success factors in strategic management and the objectivity of the CSF identification process. The second comprised surveying the literature dealing specifically with the unique characteristics of SMEs, to identify factors that are critical to the survival and growth of SMEs. · The third consisted of a survey of the academic and practitioner literature dealing with critical success factors in e-commerce, in order to develop an integrated list of critical success factors for SMEs in ecommerce. The integrated list that emerged from the literature study consisted of the following seventeen critical success factors: 1. Target the right customers 2. Involve all stakeholders 3. Provide access to all customer information 4. User-friendly web design 5. Let customers help themselves 6. Offer online and offline assistance to customer enquiries 7. Deliver personalized service 8. Foster online community 9. Top management support 10. Technical infrastructure 11. Security and control of the e-commerce system 12. Promotion of site 13. Financial planning and control of project 14. Loyalty 15. Development of a business plan 16. Branding of the site 17. Shipping and fulfilment The integrated list was used as the basis for the compilation of a survey questionnaire to identify the eight most critical success factors for SMEs in ecommerce. The survey questionnaire was sent to SMEs that are members of the Port Elizabeth Chamber of Commerce and Industry, have a website and comply with the criteria for SMEs. The empirical study identified the eight most critical success factors for SMEs in e-commerce and indicated strong concurrence with the unique characteristics of SMEs.
- Full Text:
- Date Issued: 2002
- Authors: Zeelie, Eben Johannes
- Date: 2002
- Subjects: Electronic commerce , Small business -- Management , New business enterprises -- Management
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: vital:10905 , http://hdl.handle.net/10948/118 , Electronic commerce , Small business -- Management , New business enterprises -- Management
- Description: The research problem addressed in this study is the determination of the critical success factors for SMEs in e-commerce. To achieve the objective, an integrated list of critical success factors, gathered from practitioner- and academic literature, had to be identified. The integrated list was developed through the following sub-processes: · The first consisted of a literature survey of the sources and the identification of critical success factors, which lead to insights into the role of critical success factors in strategic management and the objectivity of the CSF identification process. The second comprised surveying the literature dealing specifically with the unique characteristics of SMEs, to identify factors that are critical to the survival and growth of SMEs. · The third consisted of a survey of the academic and practitioner literature dealing with critical success factors in e-commerce, in order to develop an integrated list of critical success factors for SMEs in ecommerce. The integrated list that emerged from the literature study consisted of the following seventeen critical success factors: 1. Target the right customers 2. Involve all stakeholders 3. Provide access to all customer information 4. User-friendly web design 5. Let customers help themselves 6. Offer online and offline assistance to customer enquiries 7. Deliver personalized service 8. Foster online community 9. Top management support 10. Technical infrastructure 11. Security and control of the e-commerce system 12. Promotion of site 13. Financial planning and control of project 14. Loyalty 15. Development of a business plan 16. Branding of the site 17. Shipping and fulfilment The integrated list was used as the basis for the compilation of a survey questionnaire to identify the eight most critical success factors for SMEs in ecommerce. The survey questionnaire was sent to SMEs that are members of the Port Elizabeth Chamber of Commerce and Industry, have a website and comply with the criteria for SMEs. The empirical study identified the eight most critical success factors for SMEs in e-commerce and indicated strong concurrence with the unique characteristics of SMEs.
- Full Text:
- Date Issued: 2002
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