128 research outputs found
Influence of perceived customer value, employee service quality, bank image and customer satisfaction on Generation Y students bank loyalty
No full textRetail banks are increasingly focused on maintaining a loyal customer base. This is because loyal customers translate into higher profits and increased market share. The Generation Y cohort, which comprises the youth of today, is an important current and future banking segment and its bank loyalty could have a notable effect on the profitability of retail banks. Understanding the factors that positively contribute towards this cohort's bank loyalty will aid retail banks in devising appropriate marketing strategies for effectively targeting this market and maintaining their loyalty. As such, the purpose of this study was to determine the influence of perceived customer value, employee service quality, bank image and customer satisfaction on Generation Y students' bank loyalty in a South African context. The study followed a descriptive research design and a quantitative research approach. A self-administered questionnaire was used to collect data from a convenience sample of 271 banking students registered at two public university campuses in Gauteng, South Africa. The collected data were analysed using descriptive statistics, reliability measures, correlation analysis and multivariate regression analysis. The study's findings suggest that South African Generation Y students' perceived customer value, bank image and customer satisfaction has a statistically significant positive influence on their bank loyalty. However, their perceived bank employee service quality has a positive yet nonsignificant influence on their bank loyalty
Financial literacy amongst African Generation Y students: an empirical analysis of selected demographic factors
No full textThe entire spectrum of society, including Generation Y, face the challenge of managing their personal finances in uncertain economic, financial and political times. This challenge highlights the importance of being equipped with the necessary financial literacy to make informed financial decisions. Financial illiteracy is a global phenomenon that has become a topical issue. As a result, there has been a steady increase in the body of knowledge that pertains to the importance and benefits of financial literacy and the consequences of financial illiteracy. This study investigates differences in the significantly sized black Generation Y (hereafter referred to as African Generation Y) student cohort's financial literacy in terms of selected demographic factors, namely gender, year and field of study respectively, within the South African context. Following a descriptive research design and a quantitative research approach, data were collected from a convenience sample of 385 African students registered at two Gauteng based public South African university campuses. Multiple-choice questions, relating to general financial knowledge, saving, spending and debt, were used to test the students' financial literacy. Data analysis included descriptive statistics, an independent-samples t-test and one-way analysis of variance (ANOVA). The findings suggest that African Generation Y students may be categorised as having a relatively low level of financial literacy and that the sample's financial literacy did not differ much in terms of gender. The findings of this study is likely to inform policymakers, educators, universities and financial institutions on the most effective strategies to employ for implementation with regards to differing financial literacy levels
African Generation Y students perceived personal financial management skills
No full textEffective personal financial management is of great importance, especially in a world where individuals are faced constantly with financial risks and uncertainties regarding their financial future. However, in order to plan effectively, control and manage financial risks and opportunities in the future, as well as enjoy personal financial satisfaction, it is essential that individuals be equipped with the necessary personal financial management skills. This article reports on a study undertaken to determine African Generation Y students' perceived personal financial management skills in the South African context. In South Africa, the Generation Y cohort, labelled as individuals born between 1986 and 2005, accounted for an estimated 32 percent of the country's total population in 2015, of which the African portion made up a projected 84 percent of this cohort. A quantitative research approach was used, whereby a structured, self-administered questionnaire was employed to collect data from a non-probability convenience sample of 500 African Generation Y students across two South African public higher education institutions' campuses located in the Gauteng province to determine their perceived personal financial management skills. The findings suggest that African Generation Y students perceive themselves as being skilled in personal financial management. Through better understanding students' perceived personal financial management skills, the results of this study may aid in creating awareness of certain shortfalls in African Generation Y individuals' personal financial management
Antecedents of attitudes towards and usage behavior of mobile banking amongst Generation Y students
No full textDespite the benefits that mobile banking has to offer, coupled with positive mobile penetration rates, the use of mobile devices to perform banking transactions and access financial information is not as widespread as expected. The significantly sized Generation Y cohort is a rewarding market segment for retail banks. In South Africa, however, this cohort’s mobile banking adoption is largely under-researched. Understanding the antecedents that positively influence Generation Y students’ attitudes towards and usage behavior of mobile banking will assist retail banks in their efforts to tailor their business and marketing strategies effectively towards this cohort, and in doing so, foster increased acceptance of their mobile channels. As such, the purpose of this study was to extend the technology acceptance model (TAM) and determine the influence of perceived ease of use, relative advantage, subjective norms, perceived behavioral control, perceived integrity and the perceived system quality of mobile banking on South African Generation Y students’ attitudes towards and usage behavior of mobile banking. Following a descriptive research design, self-administered questionnaires were completed by a non-probability convenience sample of 334 students registered at the campuses of three registered public South African universities located in the Gauteng province. Data analysis included correlation analysis and structural equation modeling. The findings suggest that while perceived ease of use, perceived integrity and the perceived system quality predict Generation Y students’ mobile banking usage behavior, subjective norms, perceived behavioral control and the perceived relative advantage of mobile banking predict attitudes towards mobile banking, which, in turn, predict their mobile banking usage behavior
Influence of perceived integrity and perceived system quality on Generation Y students’ perceived trust in mobile banking in South Africa
No full textMobile banking represents an important addition to retail banks’ digital banking channels and a salient tool for servicing both current and future customers. However, given the cybernetic nature of mobile banking, there is a certain degree of uncertainty and perceived risk associated with the use thereof. This uncertainty and perceived risk elevate the importance of trust in fostering mobile banking adoption. The Generation Y cohort, which encompasses today’s youth, represents an important current and future banking segment and their adoption of mobile banking channels could have a significant effect on the cost of servicing members of this cohort. Understanding the factors that positively contribute to the Generation Y cohort’s trust in mobile banking will help retail banks to better market their mobile banking channels to members of this cohort and thereby foster greater adoption of such channels. The study reported in this article considers the influence of the perceived integrity of the bank and the perceived system quality of mobile banking on Generation Y students’ perceived trust in mobile banking in the South African context. Data were gathered from a convenience sample of 334 students registered at three public South African university campuses using a self-administered questionnaire. The gathered data were analyzed using descriptive statistics, correlation analysis and bivariate regression analysis. The results of the study suggest that Generation Y students’ perceived integrity of a bank, together with the perceived system quality of mobile banking, has a significant positive influence on their perceived trust in mobile banking
Werkloos toezien? : drie scenario's van de arbeidsmarkt
No full textWerkloos toezien? : drie scenario's van de arbeidsmarkt Author: Paul de Beer Year: 1988 Publisher: Deventer : Van Loghum Slaterus Series: Publikatie van de Wiardi Beckman Stichting Extent: 276 blz Size: .. cm ISBN: 90-368-0094-
Final Report of the DAUFIN project
No full textDAUFIN = Data Assimulation within Unifying Framework for Improved river basiN modeling (EC 5th framework Project
Een orienterend onderzoek naar mogelijkheden ter vermindering van de lawaaibelasting rondom vliegvelden voor de kleine luchtvaart
No full textAerospace Engineerin
Salome Sticken
No full textDe boekcultuur aan de IJssel beleefde in de vijftiende eeuw een bloeiperiode onder invloed van de Moderne Devotie, een spirituele vernieuwingsbeweging waarvan Geert Grote uit Deventer de grondlegger was. In de huizen van de broeders en zusters van het gemene leven werden talloze manuscripten geschreven en gekopieerd. De omstreeks 1450 uitgevonden boekdrukkunst vond vrijwel meteen een vruchtbare voedingsbodem in Deventer. Al in 1477 vestigde Richard Pafraet zich als eerste boekdrukker in de stad en in datzelfde jaar kwam zijn eerste boek van de pers. Rond 1500 was Deventer de belangrijkste boekenstad van de Lage Landen. De bloei was mede te danken aan de aanwezigheid van de beroemde Latijnse School, die van heinde en verre leerlingen trok. De eerste drukkers in de stad maakten vooral naam met schoolboeken, die in het Latijn waren gesteld en dus ook elders konden worden gebruikt. In 1560 werd de Stadsbibliotheek opgericht, de oudste ‘openbare’ bibliotheek van het land!This article introduces a most important female spiritual leader and author i.e. Salome Sticken of the Devotio Modern
Salome Sticken
No full textDe boekcultuur aan de IJssel beleefde in de vijftiende eeuw een bloeiperiode onder invloed van de Moderne Devotie, een spirituele vernieuwingsbeweging waarvan Geert Grote uit Deventer de grondlegger was. In de huizen van de broeders en zusters van het gemene leven werden talloze manuscripten geschreven en gekopieerd. De omstreeks 1450 uitgevonden boekdrukkunst vond vrijwel meteen een vruchtbare voedingsbodem in Deventer. Al in 1477 vestigde Richard Pafraet zich als eerste boekdrukker in de stad en in datzelfde jaar kwam zijn eerste boek van de pers. Rond 1500 was Deventer de belangrijkste boekenstad van de Lage Landen. De bloei was mede te danken aan de aanwezigheid van de beroemde Latijnse School, die van heinde en verre leerlingen trok. De eerste drukkers in de stad maakten vooral naam met schoolboeken, die in het Latijn waren gesteld en dus ook elders konden worden gebruikt. In 1560 werd de Stadsbibliotheek opgericht, de oudste ‘openbare’ bibliotheek van het land!This article introduces a most important female spiritual leader and author i.e. Salome Sticken of the Devotio Modern
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