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Assessing the relationship between digital financial literacy and financial well-being among recruits in the Military Skills Development System (MSDS)
Thesis (MMil)--Stellenbosch University, 2025.
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Stellenbosch : Stellenbosch University
2026
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| _version_ | 1867613960525578240 |
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| access_status_str | Open Access |
| author | Mofokeng, Isaac Sebolai |
| author2 | Coetzee, C. E. |
| author_browse | Coetzee, C. E. Mofokeng, Isaac Sebolai |
| author_facet | Coetzee, C. E. Mofokeng, Isaac Sebolai |
| author_sort | Mofokeng, Isaac Sebolai |
| collection | Thesis |
| dc_rights_str_mv | Stellenbosch University |
| description | Thesis (MMil)--Stellenbosch University, 2025. |
| format | Thesis |
| id | oai:scholar.sun.ac.za:10019.1/134709 |
| institution | Stellenbosch University (South Africa) |
| last_indexed | 2026-06-10T12:44:25.612Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from SUNScholar — Stellenbosch University Repository |
| publishDate | 2026 |
| publishDateRange | 2026 |
| publishDateSort | 2026 |
| publisher | Stellenbosch : Stellenbosch University |
| publisherStr | Stellenbosch : Stellenbosch University |
| record_format | dspace |
| source_str | SUNScholar — Stellenbosch University Repository |
| spelling | oai:scholar.sun.ac.za:10019.1/134709 Assessing the relationship between digital financial literacy and financial well-being among recruits in the Military Skills Development System (MSDS) Mofokeng, Isaac Sebolai Coetzee, C. E. Stellenbosch University. Faculty of Military Sciences. School for Organisation and Resource Management. Financial literacy Computer literacy Financial security Soldiers -- Training of Soldiers -- Economic conditions Financial risk management UCTD Thesis (MMil)--Stellenbosch University, 2025. Mofokeng, I. S. 2025. Assessing the Relationship between Digital Financial Literacy and Financial Well-Being among Recruits in the Military Skills Development System (MSDS). Unpublished masters thesis. Stellenbosch: Stellenbosch University [online]. Available: https://scholar.sun.ac.za/items/929d5e45-d22f-448d-9227-238c028c330b ENGLISH ABSTRACT: Amid increasing financial crises and widespread adoption of digital financial services, financial well-being has become a critical concern for young adults entering the workforce with limited financial decision-making experience. Digital financial literacy, the ability to effectively use digital financial platforms, is crucial for enhancing financial inclusion and mitigating risks such as fraud. These concerns are particularly significant for young military recruits, who face unique challenges including frequent relocations and limited banking access during deployments in remote areas. This study employed a quantitative approach to assess the association between digital financial literacy and the financial well-being among recruits in the Military Skills Development System, a two-year training programme in the South African National Defence Force. Data were collected from a convenience sample of 150 recruits in the 2025 intake using a self-administered questionnaire. The study established a moderate, statistically significant relationship between digital financial literacy and financial well-being. Recruits with higher digital financial literacy were better equipped to use digital platforms effectively, strengthening their financial confidence and resilience. These findings respond to a significant gap in the literature by focusing on the underexplored military population, for whom financial challenges have been overlooked. The research offers practical insights for developing targeted financial education programmes, such as digital banking workshops, within the South African National Defence Force. By cultivating digital financial literacy, the South African National Defence Force can enhance recruits' operational readiness and long-term stability, establishing a model for financial education in high-pressure professions. AFRIKAANSE OPSOMMING: Geen opsomming beskikbaar nie. Masters 2026-01-05T06:47:37Z 2026-01-05T06:47:37Z 2025-12 Thesis https://scholar.sun.ac.za/handle/10019.1/134709 Stellenbosch University 137 pages : illustrations application/pdf Stellenbosch : Stellenbosch University |
| spellingShingle | Financial literacy Computer literacy Financial security Soldiers -- Training of Soldiers -- Economic conditions Financial risk management UCTD Mofokeng, Isaac Sebolai Assessing the relationship between digital financial literacy and financial well-being among recruits in the Military Skills Development System (MSDS) |
| title | Assessing the relationship between digital financial literacy and financial well-being among recruits in the Military Skills Development System (MSDS) |
| title_full | Assessing the relationship between digital financial literacy and financial well-being among recruits in the Military Skills Development System (MSDS) |
| title_fullStr | Assessing the relationship between digital financial literacy and financial well-being among recruits in the Military Skills Development System (MSDS) |
| title_full_unstemmed | Assessing the relationship between digital financial literacy and financial well-being among recruits in the Military Skills Development System (MSDS) |
| title_short | Assessing the relationship between digital financial literacy and financial well-being among recruits in the Military Skills Development System (MSDS) |
| title_sort | assessing the relationship between digital financial literacy and financial well being among recruits in the military skills development system msds |
| topic | Financial literacy Computer literacy Financial security Soldiers -- Training of Soldiers -- Economic conditions Financial risk management UCTD |
| url | https://scholar.sun.ac.za/handle/10019.1/134709 |
| work_keys_str_mv | AT mofokengisaacsebolai assessingtherelationshipbetweendigitalfinancialliteracyandfinancialwellbeingamongrecruitsinthemilitaryskillsdevelopmentsystemmsds |