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The impact mobile banking adoption intention has on the relationship between financial literacy and financial well being in South Africa
Mini Dissertation (MBA)--University of Pretoria, 2024.
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| Format: | Thesis |
| Language: | English |
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University of Pretoria
2025
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| _version_ | 1867613538593275904 |
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| access_status_str | Open Access |
| author2 | Matthee, Marianne |
| author_browse | Matthee, Marianne |
| author_facet | Matthee, Marianne |
| collection | Thesis |
| dc_rights_str_mv | © 2024 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. |
| description | Mini Dissertation (MBA)--University of Pretoria, 2024. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/103007 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:37:44.604Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2025 |
| publishDateRange | 2025 |
| publishDateSort | 2025 |
| publisher | University of Pretoria |
| publisherStr | University of Pretoria |
| record_format | dspace |
| source_str | UPSpace — University of Pretoria Institutional Repository |
| spelling | oai:repository.up.ac.za:2263/103007 The impact mobile banking adoption intention has on the relationship between financial literacy and financial well being in South Africa Matthee, Marianne ichelp@gibs.co.za Raniga, Balesh UCTD Sustainable Development Goals (SDGs) Financial Literacy Financial Well-Being Mobile Banking UTAUT Mini Dissertation (MBA)--University of Pretoria, 2024. This purpose of this paper is to consider the impact that mobile banking adoption intention has on the relationship between financial literacy and financial well-being within the South African context. This paper leverages the Unified Theory of Acceptance and Use of Technology (UTAUT) as a grounding theoretical framework, integrated into the relationship between financial literacy and financial well-being. An alternative conceptual model was proposed based on related literature and a range of hypotheses were postulated. This study adopted a quantitative research methodology and utilised survey data from 199 banked adult consumers with a mobile banking application installed on their device. The study makes use of Partial Least Squares Structural Equation Modelling (PLS-SEM) to assess the paths between the three constructs: financial literacy, financial well-being and mobile banking adoption intention. Findings from the study suggest that financial literacy may not be an antecedent to financial well-being without it being integrated to a third variable that influences the relationship between these two constructs. The results provide insights that can aid financial institutions such as banks and policymakers to consider the influencing impact of these relationships when attempting to enhance financial literacy initiatives and formulating strategies to increase adoption and usage of mobile banking applications in the ultimate pursuit of enhancing a consumer’s financial well-being. Gordon Institute of Business Science (GIBS) MBA Unrestricted Gordon Institute of Business Science (GIBS) SDG-04: Quality Education SDG-09: Industry, innovation and infrastructure SDG-08: Decent work and economic growth 2025-06-26T11:59:05Z 2025-06-26T11:59:05Z 2025-09 2025-03-04 Mini Dissertation * A2025 http://hdl.handle.net/2263/103007 en © 2024 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. application/pdf University of Pretoria |
| spellingShingle | UCTD Sustainable Development Goals (SDGs) Financial Literacy Financial Well-Being Mobile Banking UTAUT The impact mobile banking adoption intention has on the relationship between financial literacy and financial well being in South Africa |
| title | The impact mobile banking adoption intention has on the relationship between financial literacy and financial well being in South Africa |
| title_full | The impact mobile banking adoption intention has on the relationship between financial literacy and financial well being in South Africa |
| title_fullStr | The impact mobile banking adoption intention has on the relationship between financial literacy and financial well being in South Africa |
| title_full_unstemmed | The impact mobile banking adoption intention has on the relationship between financial literacy and financial well being in South Africa |
| title_short | The impact mobile banking adoption intention has on the relationship between financial literacy and financial well being in South Africa |
| title_sort | impact mobile banking adoption intention has on the relationship between financial literacy and financial well being in south africa |
| topic | UCTD Sustainable Development Goals (SDGs) Financial Literacy Financial Well-Being Mobile Banking UTAUT |
| url | http://hdl.handle.net/2263/103007 |