Automated credit application scoring is integral to lending money. For bankscredit application scoring provides a mechanism for managing risk and henceprofit: for borrowers it means immediate access to goods and services whichmight only have been accessible in the future. For borrowers,...

The South African banking landscape has been characterized by changes sincethe late 1990’s. Within this environment this priority banking arena has alsobecome highly competitive and this is driven by a limited n umber of availablepriority banking clients. The ability to innovate is seen as a...

This study investigates attitudes of banking customers in South Africatowards the adoption of Internet banking. A research framework based onthe diffusion of innovation theory was used to identify factors that wouldinfluence the adoption of Internet banking. This report has reviewedcurrent...

There are many studies that highlight the significant benefits of building long-term relationships with customers (Reichheld & Sasser, 1990; Dick & Basu, 1994 and Clayton-Smith, 1996). Hence, understanding the reasons why customers switch service providers becomes an important business imperative in...

The purpose of this research was to determine whether electronic purse (e-purse) schemes could be positioned as alternatives to existing payment methods for low value transactions. The focus was on low value transactions since it was widely believed that this was the area for which e-purse...

The banking sector in South Africa is grappling with an imperative to transform of which one of the most significant issues is that of providing banking products and services to a market segment that has historically been excluded and neglected from access to financial products and services. The...

The recent rise in the numbers of high net worth and high net income individuals andderegulation, globalisation and information access has driven the rapid growth in privatebanking in South Africa. Competition is fierce and differentiation on the basis ofinnovation and price only deliver short...

This study sets out to identify the criteria that multi-banked corporate customersoperating in South Africa use to decide which bank to allocate each foreignexchange deal to.The foreign exchange market is highly competitive, in order to retain and growmarket share the banks operating in this...

Regulatory, structural and technological factors have significantly changed the credit card environment throughout the world during the past two decades. Increased competition in the credit cards market and the arrival of non-traditional credit card providers like retailers and airlines has not...