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The influence of loyalty programme perceived benefits on saving behaviour in the financial services industry and the moderating role of reward type and timing
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_ | 1867613595139833856 |
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| access_status_str | Open Access |
| author2 | Fourie, Sonja |
| author_browse | Fourie, Sonja |
| author_facet | Fourie, Sonja |
| 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:2263/109175 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:38:38.583Z |
| 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:2263/109175 The influence of loyalty programme perceived benefits on saving behaviour in the financial services industry and the moderating role of reward type and timing Fourie, Sonja ichelp@gibs.co.za Sukha, Jeetandra UCTD Loyalty programmes Savings behaviour Perceived benefits Financial services Mini Dissertation (MBA)--University of Pretoria, 2025. Low savings continue to be a societal challenge. While interventions like mandatory retirement preservation and auto-enrolment are designed to increase savings, many households still don’t save adequately. An emerging standard that financial services institutions have come to adopt are loyalty programme rewards linked to saving products. The effectiveness of loyalty programmes as an incentive system designed to enhance consumer behaviour continues to be questioned, both at a loyalty programme member level and at a firm cost level. While several studies have investigated the impact of loyalty programmes on perceived relationship investment and customer loyalty, the adoption of savings products requires intertemporal choice and is thus materially different from purchases for the purpose of consumption. Thus, this study examined the relationship between loyalty programme perceived benefits and savings behaviour. The empirical results demonstrate that only perceived recognition benefits had a positive relationship with savings behaviour. Monetary savings, one of the most marketed benefits of loyalty programmes had no relationship with savings behaviour but reduce savings behaviour for individuals that prefer indirect rewards. Reward timing was also found to only moderate the relationship between perceived recognition benefit and savings behaviour, with immediate rewards being preferred. This research thus contributes to existing literature by adding to the limited studies of loyalty programmes within the financial service industry. Gordon Institute of Business Science (GIBS) MBA Unrestricted Gordon Institute of Business Science (GIBS) SDG-08: Decent work and economic growth 2026-03-23T09:36:49Z 2026-03-23T09:36:49Z 2026-05-05 2025 Mini Dissertation * A2025 http://hdl.handle.net/2263/109175 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 Loyalty programmes Savings behaviour Perceived benefits Financial services The influence of loyalty programme perceived benefits on saving behaviour in the financial services industry and the moderating role of reward type and timing |
| title | The influence of loyalty programme perceived benefits on saving behaviour in the financial services industry and the moderating role of reward type and timing |
| title_full | The influence of loyalty programme perceived benefits on saving behaviour in the financial services industry and the moderating role of reward type and timing |
| title_fullStr | The influence of loyalty programme perceived benefits on saving behaviour in the financial services industry and the moderating role of reward type and timing |
| title_full_unstemmed | The influence of loyalty programme perceived benefits on saving behaviour in the financial services industry and the moderating role of reward type and timing |
| title_short | The influence of loyalty programme perceived benefits on saving behaviour in the financial services industry and the moderating role of reward type and timing |
| title_sort | influence of loyalty programme perceived benefits on saving behaviour in the financial services industry and the moderating role of reward type and timing |
| topic | UCTD Loyalty programmes Savings behaviour Perceived benefits Financial services |
| url | http://hdl.handle.net/2263/109175 |