Browsing by Author "Sibanda, B."

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    Consumer Acceptance of Online Banking in Zimbabwe: An Extension of the Technology Acceptance Model
    (2022) Ntini, P.; Ndlovu, M.J.; Shava, G.; Charumbira, J.; Sibanda, B.
    An explosion of electronic banking systems over the years, particularly in developed countries has been powering economies closer to a cashless society as it removes the need for physical currency (cash) and physical payment systems and substituting them with cards (plastic money) and Internet (digital money). The study explores the extent of acceptance and usage of online banking by the general public as individuals, micro small and medium enterprises (MSMEs) and Corporates in transacting with commercial banks and building societies in Zimbabwe as well as investigates the challenges they face in the adoption of this technology. The study focused on how the technology acceptance model can be used to rate the acceptance and usage of online banking. The researchers used face to face interviews, focus group discussions and a questionnaire for primary data collection purposes. The model was tested with a survey sample (n= 100). The findings of the study indicate that perceived usefulness and information on online banking on the Web site were the main factors influencing online-banking acceptance. Some of the key findings were the low uptake of online banking payment system as shown by the long winding queues that are still seen in all financial institutions. The research concluded that the lack of adequate money to justify having a formal account ranks high, followed by administration charges of maintaining an account as well as stringent requirements for customers to open accounts especially in the informal sector were burdensome. Therefore, there was need to relax the minimum requirements. Statements given to traders by the city councils could be used as proof of residence. Therefore, the researchers recommend that government departments like the courts, ZIMRA, VID, ZINARA and NSSA should lead by example in the usage of plastic money by making their operations Internet ready.
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    On the Theoretical Foundations of the Polemical Titius-Bode Law (Ii) Exoplanetary Systems
    (ResearchGate, 2018-06-10) Nyambuya, G. G.; Jigu, D.; Nyathi, A. N.; Dube, A.; Sibanda, B.; Musosi, G.
    Using the Solar system as our standard calibration system, we device a ‘one-size-fits-all ’ procedure to fit exoplanetary semi-major axis onto ‘quantized’ nodes relative to their central host star. The idea is to fit the exoplanet’s semi-major axis onto quantised exponential orbits using the derived exponential planetary placement law (an = R5e 5n : n = 1, 2, 3, · · · ). We herein ‘fix’ the two free parameters (R5, 5) from theory so that, one should – in general – be able to calculate from theory the expected placement of a planet given the mass (Mstar) and radius (Rstar) of the host star. Using twenty five exoplantary systems with at least four known planets, we demonstrate that one can – on a very satisfactory level, ‘fix’ the two free parameters (R5, 5), so that they depend on Mstar and Rstar. Consequently, this strongly suggests that the Titius-Bode Law – a curiosity, usually assumed to be a result of chance – may very well be a gravitational phenomenon.