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Fintech as a catalyst towards a sustainable savings culture in South Africa
Mini Dissertation (MBA)--University of Pretoria, 2025.
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| Other Authors: | |
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| Format: | Thesis |
| Language: | English |
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University of Pretoria
2026
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| _version_ | 1867613611381227520 |
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| access_status_str | Open Access |
| author2 | Botha, Melodi |
| author_browse | Botha, Melodi |
| author_facet | Botha, Melodi |
| 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:2263/109205 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:38:54.079Z |
| 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:2263/109205 Fintech as a catalyst towards a sustainable savings culture in South Africa Botha, Melodi ichelp@gibs.co.za Nariansamy, Julian Earl UCTD Fintech Savings behaviour Sustainable savings culture Digital finance Mini Dissertation (MBA)--University of Pretoria, 2025. This study explores how financial technology (fintech) can help build and sustain a culture of saving in South Africa. Despite major strides in financial inclusion, consistent saving remains difficult for low- to middle-income and previously excluded groups. The researcher employed a qualitative, interpretivist, exploratory methodology, conducting twelve semi-structured interviews with fintech leaders, executives, and financial-sector professionals to understand barriers and enablers of savings behaviour. The findings show that structural and economic pressures including low and unstable incomes, high living costs, and deep inequality are the most significant obstacles. Behavioural and cultural dynamics, such as limited financial literacy, short-term consumption priorities, and reliance on informal savings systems like stokvels, further shape saving practices. Traditional banks are often viewed as inaccessible, while fintech platforms are seen as more inclusive, adaptive, and trustworthy. The study concludes that fintech can reduce structural barriers and expand access through digital interfaces and trusted partnerships. However, sustainable progress requires combining technology with financial education, behavioural design, and collaboration between formal and community-based institutions. Gordon Institute of Business Science (GIBS) MBA Unrestricted Gordon Institute of Business Science (GIBS) SDG-09: Industry, innovation and infrastructure 2026-03-23T09:40:37Z 2026-03-23T09:40:37Z 2026-05-05 2025 Mini Dissertation * A2025 http://hdl.handle.net/2263/109205 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 Fintech Savings behaviour Sustainable savings culture Digital finance Fintech as a catalyst towards a sustainable savings culture in South Africa |
| title | Fintech as a catalyst towards a sustainable savings culture in South Africa |
| title_full | Fintech as a catalyst towards a sustainable savings culture in South Africa |
| title_fullStr | Fintech as a catalyst towards a sustainable savings culture in South Africa |
| title_full_unstemmed | Fintech as a catalyst towards a sustainable savings culture in South Africa |
| title_short | Fintech as a catalyst towards a sustainable savings culture in South Africa |
| title_sort | fintech as a catalyst towards a sustainable savings culture in south africa |
| topic | UCTD Fintech Savings behaviour Sustainable savings culture Digital finance |
| url | http://hdl.handle.net/2263/109205 |