A trust framework to improve adoption of mobile banking by university students in South Africa
- Authors: van Heerden, Robyn
- Date: 2021-01
- Subjects: Mobile communication systems in education , Banks and banking, mobile , Education, Higher--Effect of technological innovations on
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10353/20517 , vital:46073
- Description: Mobile banking, hereinafter referred to as m-banking, is a platform that allows individuals to conduct financial transactions using a mobile device at any given time. In today’s fast paced society, technologies have evolved to provide services that are convenient and benefit both the customer and service provider; these include m-banking. M-banking further encourages financial inclusion and economic growth, which are both crucial in South Africa. The aim of this research was to develop a trust framework to improve adoption of mobile banking by university students. This is an agency issue in the financial services industry as university students are a big segment of the future income earners and adopters of technology. Getting them to adopt and become regular m-banking users would significantly impact the revenue of banking institutions. The E-Commerce Acceptance Model and the Integrative Model of Organisational Trust were the two theoretical frameworks used as underlying theories to this study. A quantitative survey tool was employed to gather data at the University of Fort Hare in the Eastern Cape. After an extensive literature review, a questionnaire was formulated and distributed to students at the University of Fort Hare, of whom 471 responded. Descriptive and inferential statistics were used to analyse the data collected. Cronbach’s Alpha was employed to demonstrate the reliability of constructs used in the study and Pearson’s Product Moment. Correlation Coefficient r tested the strength of the relationships between these constructs. The study found that there are several factors that are significant, such as perceived usefulness, perceived ease of use, perceived risk when investigating trust and its influences on m-banking adoption amongst university students. As a result, the study recommends that banks should consider the above-mentioned factors in order to improve trust and increase m-banking adoption among university students in South Africa. , Thesis (MCom) (Information Systems) -- University of Fort Hare, 2021
- Full Text:
- Date Issued: 2021-01
- Authors: van Heerden, Robyn
- Date: 2021-01
- Subjects: Mobile communication systems in education , Banks and banking, mobile , Education, Higher--Effect of technological innovations on
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10353/20517 , vital:46073
- Description: Mobile banking, hereinafter referred to as m-banking, is a platform that allows individuals to conduct financial transactions using a mobile device at any given time. In today’s fast paced society, technologies have evolved to provide services that are convenient and benefit both the customer and service provider; these include m-banking. M-banking further encourages financial inclusion and economic growth, which are both crucial in South Africa. The aim of this research was to develop a trust framework to improve adoption of mobile banking by university students. This is an agency issue in the financial services industry as university students are a big segment of the future income earners and adopters of technology. Getting them to adopt and become regular m-banking users would significantly impact the revenue of banking institutions. The E-Commerce Acceptance Model and the Integrative Model of Organisational Trust were the two theoretical frameworks used as underlying theories to this study. A quantitative survey tool was employed to gather data at the University of Fort Hare in the Eastern Cape. After an extensive literature review, a questionnaire was formulated and distributed to students at the University of Fort Hare, of whom 471 responded. Descriptive and inferential statistics were used to analyse the data collected. Cronbach’s Alpha was employed to demonstrate the reliability of constructs used in the study and Pearson’s Product Moment. Correlation Coefficient r tested the strength of the relationships between these constructs. The study found that there are several factors that are significant, such as perceived usefulness, perceived ease of use, perceived risk when investigating trust and its influences on m-banking adoption amongst university students. As a result, the study recommends that banks should consider the above-mentioned factors in order to improve trust and increase m-banking adoption among university students in South Africa. , Thesis (MCom) (Information Systems) -- University of Fort Hare, 2021
- Full Text:
- Date Issued: 2021-01
An investigation of how Visual Technology for the Autonomous Learning of Mathematics (VITALmaths) video clips on mobile phones can be used by student teachers as a visualisation tool in the teaching of Number Sense: a case study
- Authors: Kangwa, Lemmy
- Date: 2017
- Subjects: Mathematics -- Study and teaching -- Zambia -- Case studies , Visualization , Number concept , Mobile communication systems in education , Mathematics -- Study and teaching -- Software , Telecommunications in education , Educational innovations , VITALmaths
- Language: English
- Type: Thesis , Masters , MEd
- Identifier: http://hdl.handle.net/10962/6930 , vital:21201
- Description: Visualisation is increasingly being recognised as having a significant role in the learning of mathematics especially when students are solving mathematical problems (Thornton, 2001). It is argued that visualisation is a powerful tool for learners to construct mental and physical representations that correctly mirror mathematical relationships and concepts. To gain a thorough understanding of the scope of visualisation, three Visual Technology for Autonomous Learning of Mathematics (VITALmaths) (www.vitalmaths.com) video clips were uploaded on mobile phones of each of the eleven participating student teachers who used them in their teaching practice. This is in cognisance of the educational potential offered by mobile phones and their current pervasiveness in the daily lives of both teachers and learners in Zambia (Zambia. Ministry of Education [M.O.E], 2013]). This study sought to investigate how VITALmaths video clips on mobile phones could be used by student teachers as a visualisation tool in the teaching of Number Sense. The videos of the lessons formed the core of my analysis. The study was conducted at four primary schools by eleven student teachers of a public university in Zambia. The study is framed as a case study and is grounded within the interpretive paradigm. The findings revealed that the student teachers’ use of the video clips in the classrooms for teaching was generally approached from two perspectives: at the beginning of the lesson or at the end. The videos were used at the beginning of the lesson as a means to introduce a topic or an idea, and at the end of the lesson to consolidate what was taught. The videos were also used to enhance the conceptual understanding of Number Sense. The findings also revealed that students encountered both enabling and constraining factors in their use of mobile phones to teach number sense. The overall findings revealed that, if well utilised, mobile phones as visualisation tools had the potential to enhance the teaching of Mathematics in general and Number Sense in particular, and therefore teachers should be encouraged to use them in their teaching.
- Full Text:
- Date Issued: 2017
- Authors: Kangwa, Lemmy
- Date: 2017
- Subjects: Mathematics -- Study and teaching -- Zambia -- Case studies , Visualization , Number concept , Mobile communication systems in education , Mathematics -- Study and teaching -- Software , Telecommunications in education , Educational innovations , VITALmaths
- Language: English
- Type: Thesis , Masters , MEd
- Identifier: http://hdl.handle.net/10962/6930 , vital:21201
- Description: Visualisation is increasingly being recognised as having a significant role in the learning of mathematics especially when students are solving mathematical problems (Thornton, 2001). It is argued that visualisation is a powerful tool for learners to construct mental and physical representations that correctly mirror mathematical relationships and concepts. To gain a thorough understanding of the scope of visualisation, three Visual Technology for Autonomous Learning of Mathematics (VITALmaths) (www.vitalmaths.com) video clips were uploaded on mobile phones of each of the eleven participating student teachers who used them in their teaching practice. This is in cognisance of the educational potential offered by mobile phones and their current pervasiveness in the daily lives of both teachers and learners in Zambia (Zambia. Ministry of Education [M.O.E], 2013]). This study sought to investigate how VITALmaths video clips on mobile phones could be used by student teachers as a visualisation tool in the teaching of Number Sense. The videos of the lessons formed the core of my analysis. The study was conducted at four primary schools by eleven student teachers of a public university in Zambia. The study is framed as a case study and is grounded within the interpretive paradigm. The findings revealed that the student teachers’ use of the video clips in the classrooms for teaching was generally approached from two perspectives: at the beginning of the lesson or at the end. The videos were used at the beginning of the lesson as a means to introduce a topic or an idea, and at the end of the lesson to consolidate what was taught. The videos were also used to enhance the conceptual understanding of Number Sense. The findings also revealed that students encountered both enabling and constraining factors in their use of mobile phones to teach number sense. The overall findings revealed that, if well utilised, mobile phones as visualisation tools had the potential to enhance the teaching of Mathematics in general and Number Sense in particular, and therefore teachers should be encouraged to use them in their teaching.
- Full Text:
- Date Issued: 2017
An architecutre for the effective use of mobile devices in supporting contact learning
- Authors: Alnseerat, Nemr
- Date: 2014
- Subjects: Mobile communication systems in education , Educational technology
- Language: English
- Type: Thesis , Masters , MSc
- Identifier: vital:10490 , http://hdl.handle.net/10948/d1020079
- Description: The features and capacities of mobile devices offer a wide range of significant opportunities for providing learning content in workplaces and educational institutions. This new approach of teaching, called mobile learning, allows for the delivery of learning content on the move at any time. Mobile learning supports learning by producing learning content to learners in a modern and acceptable way. The number of mobile learning applications has increased rapidly in educational environments. There are, however, limited mobile learning applications that take advantage of mobile devices to support contact learning in the classroom environment. The aim of this research was to design a mobile learning architecture to effectively support contact learning in the classroom. The researcher investigated the historical and theoretical background of mobile learning and reported these findings. This included an overview of existing mobile learning architectures. After identifying their limitations, the researcher designed the Contact Instruction Mobile Learning Architecture (CIMLA) to facilitate the use of mobile devices in the classroom. The researcher developed the LiveLearning prototype based on the proposed architecture as a proof of concept. He conducted a usability evaluation in order to determine the usability of LiveLearning. The results indicated that the LiveLearning prototype is effective in supporting contact learning in the classroom.
- Full Text:
- Date Issued: 2014
- Authors: Alnseerat, Nemr
- Date: 2014
- Subjects: Mobile communication systems in education , Educational technology
- Language: English
- Type: Thesis , Masters , MSc
- Identifier: vital:10490 , http://hdl.handle.net/10948/d1020079
- Description: The features and capacities of mobile devices offer a wide range of significant opportunities for providing learning content in workplaces and educational institutions. This new approach of teaching, called mobile learning, allows for the delivery of learning content on the move at any time. Mobile learning supports learning by producing learning content to learners in a modern and acceptable way. The number of mobile learning applications has increased rapidly in educational environments. There are, however, limited mobile learning applications that take advantage of mobile devices to support contact learning in the classroom environment. The aim of this research was to design a mobile learning architecture to effectively support contact learning in the classroom. The researcher investigated the historical and theoretical background of mobile learning and reported these findings. This included an overview of existing mobile learning architectures. After identifying their limitations, the researcher designed the Contact Instruction Mobile Learning Architecture (CIMLA) to facilitate the use of mobile devices in the classroom. The researcher developed the LiveLearning prototype based on the proposed architecture as a proof of concept. He conducted a usability evaluation in order to determine the usability of LiveLearning. The results indicated that the LiveLearning prototype is effective in supporting contact learning in the classroom.
- Full Text:
- Date Issued: 2014
Web-based M-learning system for ad-hoc learning of mathematical concepts amongst first year students at the University of Namibia
- Authors: Ntinda, Maria Ndapewa
- Date: 2014
- Subjects: Mathematics -- Study and teaching (Higher) -- Namibia , Mathematics -- Technological innovations , Mobile communication systems in education , Teaching -- Aids and devices , Educational innovations , Open source software
- Language: English
- Type: Thesis , Masters , MSc
- Identifier: vital:4701 , http://hdl.handle.net/10962/d1013174
- Description: In the last decade, there has been an increase in the number of web-enabled mobile devices, offering a new platform that can be targeted for the development of learning applications. Worldwide, developers have taken initiatives in developing mobile learning (M-learning) systems to provide students with access to learning materials regardless of time and location. The purpose of this study was to investigate whether it is viable for first year students enrolled at the University of Namibia (UNAM) to use mobile phones for ad-hoc learning of mathematical concepts. A system, EnjoyMath, aiming to assist students in preparing for tests, examinations, review contents and reinforce knowledge acquired during traditional classroom interactions was designed and implemented. The EnjoyMath system was designed and implemented through the use of the Human Centred Design (HCD) methodology. Two revolutions of the four-step process of the HCD cycle were completed in this study. Due to the distance between UNAM and Rhodes University (where the researcher was based), the researcher could not always work in close relation with the UNAM students. Students from the Extended Study Unit (ESU) at Rhodes University were therefore selected in the first iteration of the project due to their proximity to the researcher and their similar demographics to the first year UNAM students, while the UNAM students were targeted in the second iteration of the study. This thesis presents the outcome of the two pre-intervention studies of the first-year students' perceptions about M-learning conducted at Rhodes University and UNAM. The results of the pre-intervention studies showed that the students are enthusiastic about using an M-learning system, because it would allow them to put in more time to practice their skills whenever and wherever they are. Moreover, the thesis presents the different stages undertaken to develop the EnjoyMath system using Open Source Software (PHP and MySQL). The results of a user study (post-intervention) conducted with participants at UNAM, ascertained the participants' perception of the usability of the EnjoyMath system and are also presented in this thesis. The EnjoyMath system was perceived by the participants to be "passable"; hence an M-learning system could be used to compliment an E-learning system at UNAM.
- Full Text:
- Date Issued: 2014
- Authors: Ntinda, Maria Ndapewa
- Date: 2014
- Subjects: Mathematics -- Study and teaching (Higher) -- Namibia , Mathematics -- Technological innovations , Mobile communication systems in education , Teaching -- Aids and devices , Educational innovations , Open source software
- Language: English
- Type: Thesis , Masters , MSc
- Identifier: vital:4701 , http://hdl.handle.net/10962/d1013174
- Description: In the last decade, there has been an increase in the number of web-enabled mobile devices, offering a new platform that can be targeted for the development of learning applications. Worldwide, developers have taken initiatives in developing mobile learning (M-learning) systems to provide students with access to learning materials regardless of time and location. The purpose of this study was to investigate whether it is viable for first year students enrolled at the University of Namibia (UNAM) to use mobile phones for ad-hoc learning of mathematical concepts. A system, EnjoyMath, aiming to assist students in preparing for tests, examinations, review contents and reinforce knowledge acquired during traditional classroom interactions was designed and implemented. The EnjoyMath system was designed and implemented through the use of the Human Centred Design (HCD) methodology. Two revolutions of the four-step process of the HCD cycle were completed in this study. Due to the distance between UNAM and Rhodes University (where the researcher was based), the researcher could not always work in close relation with the UNAM students. Students from the Extended Study Unit (ESU) at Rhodes University were therefore selected in the first iteration of the project due to their proximity to the researcher and their similar demographics to the first year UNAM students, while the UNAM students were targeted in the second iteration of the study. This thesis presents the outcome of the two pre-intervention studies of the first-year students' perceptions about M-learning conducted at Rhodes University and UNAM. The results of the pre-intervention studies showed that the students are enthusiastic about using an M-learning system, because it would allow them to put in more time to practice their skills whenever and wherever they are. Moreover, the thesis presents the different stages undertaken to develop the EnjoyMath system using Open Source Software (PHP and MySQL). The results of a user study (post-intervention) conducted with participants at UNAM, ascertained the participants' perception of the usability of the EnjoyMath system and are also presented in this thesis. The EnjoyMath system was perceived by the participants to be "passable"; hence an M-learning system could be used to compliment an E-learning system at UNAM.
- Full Text:
- Date Issued: 2014
A model for automated topic spotting in a mobile chat based mathematics tutoring environment
- Authors: Butgereit, Laura Lee
- Date: 2012
- Subjects: Mobile communication systems in education , Mathematics -- Study and teaching , Tutors and tutoring -- Mathematics
- Language: English
- Type: Thesis , Doctoral , PhD
- Identifier: vital:9809 , http://hdl.handle.net/10948/d1013741
- Description: Systems of writing have existed for thousands of years. The history of civilisation and the history of writing are so intertwined that it is hard to separate the one from the other. These systems of writing, however, are not static. They change. One of the latest developments in systems of writing is short electronic messages such as seen on Twitter and in MXit. One novel application which uses these short electronic messages is the Dr Math® project. Dr Math is a mobile online tutoring system where pupils can use MXit on their cell phones and receive help with their mathematics homework from volunteer tutors around the world. These conversations between pupils and tutors are held in MXit lingo or MXit language – this cryptic, abbreviated system 0f ryting w1ch l0ks lyk dis. Project μ (pronounced mu and indicating MXit Understander) investigated how topics could be determined in MXit lingo and Project μ's research outputs spot mathematics topics in conversations between Dr Math tutors and pupils. Once the topics are determined, supporting documentation can be presented to the tutors to assist them in helping pupils with their mathematics homework. Project μ made the following contributions to new knowledge: a statistical and linguistic analysis of MXit lingo provides letter frequencies, word frequencies, message length statistics as well as linguistic bases for new spelling conventions seen in MXit based conversations; a post-stemmer for use with MXit lingo removes suffixes from the ends of words taking into account MXit spelling conventions allowing words such as equashun and equation to be reduced to the same root stem; a list of over ten thousand stop words for MXit lingo appropriate for the domain of mathematics; a misspelling corrector for MXit lingo which corrects words such as acount and equates it to account; and a model for spotting mathematical topics in MXit lingo. The model was instantiated and integrated into the Dr Math tutoring platform. Empirical evidence as to the effectiveness of the μ Topic Spotter and the other contributions is also presented. The empirical evidence includes specific statistical tests with MXit lingo, specific tests of the misspelling corrector, stemmer, and feedback mechanism, and an extensive exercise of content analysis with respect to mathematics topics.
- Full Text:
- Date Issued: 2012
- Authors: Butgereit, Laura Lee
- Date: 2012
- Subjects: Mobile communication systems in education , Mathematics -- Study and teaching , Tutors and tutoring -- Mathematics
- Language: English
- Type: Thesis , Doctoral , PhD
- Identifier: vital:9809 , http://hdl.handle.net/10948/d1013741
- Description: Systems of writing have existed for thousands of years. The history of civilisation and the history of writing are so intertwined that it is hard to separate the one from the other. These systems of writing, however, are not static. They change. One of the latest developments in systems of writing is short electronic messages such as seen on Twitter and in MXit. One novel application which uses these short electronic messages is the Dr Math® project. Dr Math is a mobile online tutoring system where pupils can use MXit on their cell phones and receive help with their mathematics homework from volunteer tutors around the world. These conversations between pupils and tutors are held in MXit lingo or MXit language – this cryptic, abbreviated system 0f ryting w1ch l0ks lyk dis. Project μ (pronounced mu and indicating MXit Understander) investigated how topics could be determined in MXit lingo and Project μ's research outputs spot mathematics topics in conversations between Dr Math tutors and pupils. Once the topics are determined, supporting documentation can be presented to the tutors to assist them in helping pupils with their mathematics homework. Project μ made the following contributions to new knowledge: a statistical and linguistic analysis of MXit lingo provides letter frequencies, word frequencies, message length statistics as well as linguistic bases for new spelling conventions seen in MXit based conversations; a post-stemmer for use with MXit lingo removes suffixes from the ends of words taking into account MXit spelling conventions allowing words such as equashun and equation to be reduced to the same root stem; a list of over ten thousand stop words for MXit lingo appropriate for the domain of mathematics; a misspelling corrector for MXit lingo which corrects words such as acount and equates it to account; and a model for spotting mathematical topics in MXit lingo. The model was instantiated and integrated into the Dr Math tutoring platform. Empirical evidence as to the effectiveness of the μ Topic Spotter and the other contributions is also presented. The empirical evidence includes specific statistical tests with MXit lingo, specific tests of the misspelling corrector, stemmer, and feedback mechanism, and an extensive exercise of content analysis with respect to mathematics topics.
- Full Text:
- Date Issued: 2012
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