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This paper evaluates how the perceptions of consumers from different demographic backgrounds influence their adoption and use of digital personal banking, and suggests marketing activities required to increase digital banking by these different demographic target groups. The method involved an online survey of a sample of 400 respondents with bank accounts in the iLembe district of KwaZulu-Natal, South Africa, focusing on the demographic dimensions of age, gender, education and income. The study found that high digital banking users were older (24+), with higher education and a higher income, while low digital banking users were younger (18-23), with a lower level of education and a lower income. No differences according to gender were found. The convenience of digital banking and a good online banking experience were the factors that most encouraged digital banking use by high users, while perceptions of high cost and having low control over their online banking activities were factors that discouraged low users from more digital banking use. These findings confirmed the previous research about the influence of age and education on digital banking use, but contributed new knowledge about the influence of income, and the lack of influence of gender, on digital banking adoption and use. Comprehensive recommendations for banks, policy makers and other stakeholders are provided.

This study examines attitudes towards the use of portable devices for Information and Communication Technology (ICT) adoption in Small and Medium-sized Tourism Enterprises (SMTEs) in peri-urban areas of the South African Eastern Cape province. A comprehensive examination of portable gadgets in business ICT and their impact on SMTEs in Eastern Cape peri-urban areas was performed using a non-probability purposive sampling technique to select eight SMTEs, with a quantitative methodology approach adopted, using a structured questionnaire for an in-depth interview. Data captured from structured interview sessions were deductively coded with the aid of software (NVivo version 12), with the transcribed interview data divided into different meaningful codes in this process; developed based on the difference, similarities, and meanings that emerged. The findings suggest a positive attitude towards portable digital device and technology use in SMTEs in the tourism sector in Eastern Cape peri-urban areas. Smartphones were found to play a crucial role as essential business tools, particularly favored in rural settings, while laptops were indicated as valued for their portability, serving as indispensable tools for daily business activities, while tablets hold less significance. The results highlight participant reliance on smartphones for business operations as critical, since these devices streamline numerous tasks, improve convenience, and enable seamless connectivity while mobile. The use of tablets in the tourism and hospitality sectors appears to be limited. The finding’s additionally indicated participants are heavily reliant on laptops for routine business activities, due to their portability and convenience. Desktop computers were, furthermore, found to primarily be used as backup systems, indicating a diverse, portable ICT gadget usage pattern among participants.

The proliferation of technology has innovated new ways of saving and investing money: online savings and investment platforms [OSIPs]. Predicting the intention to adopt Fintech has triggered the interest of many researchers in academia and industries. The primary objective of this study was to examine factors influencing the intention to adopt OSIPs in Nigeria by using data gathered from 640 digitally active citizens from selected cities in Nigeria. Reliability and validity tests were conducted through construct reliability and discriminant validity, respectively, through WarpPLS. Data were computed with the Statistical Package for the Social Sciences (version) 24 and analyzed with structural equation modeling via WarpPLS. The findings of this study showed that performance expectancy, effort expectancy, and social influence significantly affect attitude while facilitating conditions predict intention to adopt. It was also found that attitude significantly influences the intention to adopt OSIPs. The paper also discusses the study’s research limitations and presents implications for theory and practice.