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SA retail investors: digital investment adoption, confidence, risk -a quantitative study
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_ | 1867613570746810368 |
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| access_status_str | Open Access |
| author2 | Balkissoon, Rishal |
| author_browse | Balkissoon, Rishal |
| author_facet | Balkissoon, Rishal |
| 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:2263/109210 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:38:15.015Z |
| 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:2263/109210 SA retail investors: digital investment adoption, confidence, risk -a quantitative study Balkissoon, Rishal ichelp@gibs.co.za Rankou, Brendon UCTD Digital investment adoption Trust Perceived risk Technology Acceptance Model Investor confidence Mini Dissertation (MBA)--University of Pretoria, 2025. Digital investing is reshaping how South Africans participate in capital markets, but uptake depends on whether platforms feel easy, credible and safe. This study examines adoption drivers in a high-stakes context where assurance cues (security, reliability, transparency) and risk perceptions are salient. The purpose was to extend the Technology Acceptance Model by incorporating Trust and Perceived Risk (PR) and to test how these beliefs influence Digital Investment Adoption (DIA) and downstream Investor Confidence (IC). A cross-sectional online survey of South African retail investors (N=120) captured validated reflective constructs. Data were analysed using PLSE-SEM with 5000 sample bootstrapping and out-of-sample predictive checks. Results support an ease and trust activated TAM. Perceived Ease of Use (PEOU) increased both Perceived Usefulness (PU) and DIA. Trust directly increased DIA, improved ease beliefs and lowered PR; however, PR did not directly suppress DIA in this sample. Perceived Usefulness did not add incremental explanatory power beyond ease and trust. DIA strongly predicted IC, indicating that actual adoption strengthens investors confidence. The findings suggest platforms should prioritise usability, reliability signals and trust building measures over feature expansion alone. Limitations include cross sectional design and non-probability sampling. Future work should test longitudinal mechanisms and richer antecedents of trust and assurance. Gordon Institute of Business Science (GIBS) MBA Unrestricted Gordon Institute of Business Science (GIBS) SDG-09: Industry, innovation and infrastructure 2026-03-23T09:41:22Z 2026-03-23T09:41:22Z 2026-05-05 2025 Mini Dissertation * A2025 http://hdl.handle.net/2263/109210 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 investment adoption Trust Perceived risk Technology Acceptance Model Investor confidence SA retail investors: digital investment adoption, confidence, risk -a quantitative study |
| title | SA retail investors: digital investment adoption, confidence, risk -a quantitative study |
| title_full | SA retail investors: digital investment adoption, confidence, risk -a quantitative study |
| title_fullStr | SA retail investors: digital investment adoption, confidence, risk -a quantitative study |
| title_full_unstemmed | SA retail investors: digital investment adoption, confidence, risk -a quantitative study |
| title_short | SA retail investors: digital investment adoption, confidence, risk -a quantitative study |
| title_sort | sa retail investors digital investment adoption confidence risk a quantitative study |
| topic | UCTD Digital investment adoption Trust Perceived risk Technology Acceptance Model Investor confidence |
| url | http://hdl.handle.net/2263/109210 |