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The effectiveness of digital technology in enhancing regulatory compliance in the banking sector
Mini Dissertation (MBA)--University of Pretoria, 2025.
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| Format: | Thesis |
| Language: | English |
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University of Pretoria
2026
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| _version_ | 1867613491439861760 |
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| access_status_str | Open Access |
| author2 | Sefoko, Ngwako |
| author_browse | Sefoko, Ngwako |
| author_facet | Sefoko, Ngwako |
| collection | Thesis |
| dc_rights_str_mv | © 2025 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, 2025. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/109169 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:36:59.722Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2026 |
| publishDateRange | 2026 |
| publishDateSort | 2026 |
| 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:2263/109169 The effectiveness of digital technology in enhancing regulatory compliance in the banking sector Sefoko, Ngwako ichelp@gibs.co.za Sgulugulu, Hazel UCTD Digital technology Regulatory compliance Banking Mini Dissertation (MBA)--University of Pretoria, 2025. This study explores how compliance professionals in South African banks perceive and experience the effectiveness of digital compliance technologies in supporting regulatory compliance. Guided by Institutional Theory and the Technology Acceptance Model (TAM), the research adopted a qualitative, interpretivist approach using semi-structured interviews with twelve compliance professionals from traditional and digital-only banks. The findings reveal that while digital tools enhance accuracy, traceability and monitoring, their perceived effectiveness remains moderate due to integration gaps, limited user readiness and persistent manual oversight. International pressures, particularly, coercive regulatory demands following the Financial Action Task Force (FATF) Greylisting, drive adoption but not optimisation. Behavioural factors, including user trust, digital literacy and job insecurity, significantly influence acceptance and the continued use of digital technologies. The study theoretically contributes by bridging Institutional Theory and TAM, identifying perceived job security as an important factor that influences technology acceptance. Practically, the study offers insights for banks and regulators in aligning legitimacy-driven adoption with user-centered implementation to enhance compliance outcomes. The study concludes that digital compliance effectiveness in emerging markets depends on harmonising institutional conformity, organisational capacity and human adaptability. Gordon Institute of Business Science (GIBS) MBA Unrestricted Gordon Institute of Business Science (GIBS) SDG-16: Peace, justice and strong institutions 2026-03-23T09:36:20Z 2026-03-23T09:36:20Z 2026-05-05 2025 Mini Dissertation * A2025 http://hdl.handle.net/2263/109169 N/A en © 2025 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 Digital technology Regulatory compliance Banking The effectiveness of digital technology in enhancing regulatory compliance in the banking sector |
| title | The effectiveness of digital technology in enhancing regulatory compliance in the banking sector |
| title_full | The effectiveness of digital technology in enhancing regulatory compliance in the banking sector |
| title_fullStr | The effectiveness of digital technology in enhancing regulatory compliance in the banking sector |
| title_full_unstemmed | The effectiveness of digital technology in enhancing regulatory compliance in the banking sector |
| title_short | The effectiveness of digital technology in enhancing regulatory compliance in the banking sector |
| title_sort | effectiveness of digital technology in enhancing regulatory compliance in the banking sector |
| topic | UCTD Digital technology Regulatory compliance Banking |
| url | http://hdl.handle.net/2263/109169 |