This article discusses the role of information and communication technology (ICT) within the small and medium enterprise (SME) sector in Gauteng, a province in South Africa. ICT plays a very important role in the current knowledge economy. It is vital for SMEs to participate in this economy in order to compete and thrive in the future. The problem is that SMEs are mainly using traditional tools to stay competitive. They need to take advantage of the power of ICT in order to take on the competition, whether small, big or global. Both the traditional and the ICT tools are very important for the competitiveness of the business. The article follows a qualitative research approach and uses semi-structured questionnaires with open-ended questions as data gathering method. There are a number of reasons why an SME might not implement ICT tools, such as limited funds, lack of knowledge, lack of skilled staff and lack of tools. The article highlights the limitation that SMEs have in using ICT and make recommendations on how to overcome them.

Information Technology (IT) adoption challenges facing organizations are too complex to be resolved using only one methodology. Most existing Information Technology (IT) adoption models such as the Technology Acceptance Model (TAM) only consider individual behaviour and views on technology adoption, without providing mechanisms to accommodate multiple stakeholder perspectives in an organization. In this paper we propose an IT adoption framework, expected to assist an organization in resolving problem situations from multiple perspectives. Our framework provides mechanisms for addressing conflict of interest among stakeholders, which is rather common with IT adoption in organizations.

The paper presents a validated socio-technical information security (STInfoSec) framework for the development of online information security (InfoSec) applications. The framework addresses both social and technical aspects of InfoSec design. The preliminary framework was developed using a mixed methods research design that collected data from 540 surveys by online banking users and six interviews with online banking personnel. The preliminary framework was presented in another publication and it is beyond the scope of this paper. The scope of this paper is limited to the validation findings of the evaluation process that involves seven evaluators. In the socio-technical context, the STInfoSec framework facilitates acceptance and usability of online applications based on online banking as a case study. The authors argue that usability of online InfoSec applications such as online banking significantly affects the adoption and continued use of such applications. As such, the paper investigates design principles for usable security and proposes a validated STInfoSec framework that consists of 12 usable security design principles. The design principles have been validated through heuristic evaluation by seven field experts for inclusion in the final STInfoSec framework. The development of InfoSec applications can be improved by applying these design principles.

Contents 1. Introduction 2. Plethora of definitions of text mining 3. Clarifications by Hearst 4. Clarifying Hearst 5. New proposal: intelligent text mining 6. Conclusion 7. References

HOW TO CITE:Mujinga M, Eloff MM, Kroeze JH. System usability scale evaluation of online banking service: A South African study. S Afr J Sci. 2018;114(3/4) Online banking is a critical service offered by financial institutions to their clientele to facilitate easier and faster access to financial services and transactions. Banks currently spend huge amounts of money on development and maintenance of websites and backend systems that offer online banking facilities to clients. Here we address the effect of moderating factors on online banking usability assessment in South Africa. Using statistical analysis techniques that included t-tests, ANOVA and correlation, we investigated whether there are statistically significant mean differences in system usability scale (SUS) scores based on a variety of moderating factors in South Africa. Findings based on a sample of 540 respondents show that SUS scores differ significantly based on factors such as age, experience and income, whereas factors such as gender, use frequency and employment did not affect the mean SUS scores. Given the individual SUS scores for a variety of users based on different demographics, the financial institutions might improve service usability to target specific user groups and realise their return on investment in digital banking channels. Therefore improving service usability might go a long way in encouraging online banking adoption in South Africa. Significance:• The overall assessment of online banking service by users based on a SUS measurement tool was investigated.• The effect of moderating variables on the mean SUS scores of different user groups was established.• An insight into areas of improvement with regard to usability based on demographic information of users is provided.