{"id":{"repo_id":"cape-town","oai_identifier":"oai:open.uct.ac.za:11427/41622"},"canonical_url":"https://search.dev.ndltd.org/etd/cape-town/oai:open.uct.ac.za:11427/41622","repository":{"repo_id":"cape-town","name":"University of Cape Town","base_url":"https://open.uct.ac.za/oai/request"},"display":{"title":"“A penny for your thoughts?”: exploring influences on young accounting professionals' financial behaviour","abstract":"As new entrants into the workforce and future financial leaders, young professionals are critical to economic success. Therefore, understanding factors shaping their financial behaviour is crucial to improving their personal financial decision-making abilities. Adopting a qualitative approach consisting of semi-structured, open-ended interviews, this study explores the perceived influences on young accounting professionals' personal financial behaviour through the lens of socialisation. Portraying real stories of young South African accountants, active participants in a developing economy, this paper unravels traditional conceptions of determinants of financial behaviour, thus contributing to extant quantitative results. Among South Africa's diverse population of young accounting professionals, households were found to be most influential on all elements of financial behaviour. Increasingly, social media and the Internet influence spending and savings decisions, however the inability to verify online information poses a challenge to how young professionals consume and apply online information in their lives. Thus, these and other findings are instrumental in guiding parents and guardians, educators, and other interested parties in fostering young professionals' financial well-being.","abstract_html":"As new entrants into the workforce and future financial leaders, young professionals are critical to economic success. Therefore, understanding factors shaping their financial behaviour is crucial to improving their personal financial decision-making abilities. Adopting a qualitative approach consisting of semi-structured, open-ended interviews, this study explores the perceived influences on young accounting professionals' personal financial behaviour through the lens of socialisation. Portraying real stories of young South African accountants, active participants in a developing economy, this paper unravels traditional conceptions of determinants of financial behaviour, thus contributing to extant quantitative results. Among South Africa's diverse population of young accounting professionals, households were found to be most influential on all elements of financial behaviour. Increasingly, social media and the Internet influence spending and savings decisions, however the inability to verify online information poses a challenge to how young professionals consume and apply online information in their lives. Thus, these and other findings are instrumental in guiding parents and guardians, educators, and other interested parties in fostering young professionals' financial well-being.","abstract_has_math":false,"creators":["Govender, Derisa"],"institution":"College of Accounting","degree_name":null,"degree_level":null,"degree_discipline":null,"degree_department":null,"school":null,"contributors":[],"advisors":["Willows, Gizelle"],"committee_chairs":[],"committee_members":[],"year":2025,"date_issued":"2025","date_published":"2025","updated_at":"2026-07-22T22:23:45Z","subjects":["Personal financial behaviour","young professionals","financial decision-making"],"languages":["en"],"rights":[],"rights_urls":[],"identifier_entries":[]},"links":{"outbound_url":"http://hdl.handle.net/11427/41622","outbound_label":"Handle","outbound_source":"dc:identifier.uri"},"metadata_groups":[{"id":"people","label":"People","entries":[{"key":"dc:contributor.advisor","label":"Advisor","values":["Willows, Gizelle"]},{"key":"dc:creator","label":"Author","values":["Govender, Derisa"]}]},{"id":"academic_context","label":"Academic Context","entries":[{"key":"dc:date.accessioned","label":"Dc Date Accessioned","values":["2025-08-26T08:48:56Z"]},{"key":"dc:date.available","label":"Dc Date Available","values":["2025-08-26T08:48:56Z"]},{"key":"dc:date.issued","label":"Date","values":["2025"]},{"key":"dc:publisher.department","label":"Dc Publisher Department","values":["College of Accounting"]},{"key":"dc:publisher.institution","label":"Dc Publisher Institution","values":["University of Cape Town"]},{"key":"dc:type","label":"Dc Type","values":["Thesis / Dissertation"]},{"key":"dc:type.qualificationlevel","label":"Dc Type Qualificationlevel","values":["Masters","MCom"]}]},{"id":"subjects_keywords","label":"Subjects and Keywords","entries":[{"key":"dc:subject","label":"Dc Subject","values":["Personal financial behaviour","young professionals","financial decision-making"]}]},{"id":"language_rights","label":"Language and Rights","entries":[{"key":"dc:language.iso","label":"Language (ISO)","values":["en"]}]},{"id":"identifiers","label":"Identifiers","entries":[{"key":"dc:identifier.uri","label":"Identifier URI","values":["http://hdl.handle.net/11427/41622"]}]},{"id":"additional","label":"Additional Metadata","entries":[{"key":"dc:description.abstract","label":"Abstract","values":["As new entrants into the workforce and future financial leaders, young professionals are critical to economic success. Therefore, understanding factors shaping their financial behaviour is crucial to improving their personal financial decision-making abilities. Adopting a qualitative approach consisting of semi-structured, open-ended interviews, this study explores the perceived influences on young accounting professionals' personal financial behaviour through the lens of socialisation. Portraying real stories of young South African accountants, active participants in a developing economy, this paper unravels traditional conceptions of determinants of financial behaviour, thus contributing to extant quantitative results. Among South Africa's diverse population of young accounting professionals, households were found to be most influential on all elements of financial behaviour. Increasingly, social media and the Internet influence spending and savings decisions, however the inability to verify online information poses a challenge to how young professionals consume and apply online information in their lives. Thus, these and other findings are instrumental in guiding parents and guardians, educators, and other interested parties in fostering young professionals' financial well-being."]},{"key":"dc:title","label":"Title","values":["“A penny for your thoughts?”: exploring influences on young accounting professionals' financial behaviour"]}]}],"canonical_facts":{"dc:contributor.advisor":["Willows, Gizelle"],"dc:creator":["Govender, Derisa"],"dc:date.accessioned":["2025-08-26T08:48:56Z"],"dc:date.available":["2025-08-26T08:48:56Z"],"dc:date.issued":["2025"],"dc:description.abstract":["As new entrants into the workforce and future financial leaders, young professionals are critical to economic success. Therefore, understanding factors shaping their financial behaviour is crucial to improving their personal financial decision-making abilities. Adopting a qualitative approach consisting of semi-structured, open-ended interviews, this study explores the perceived influences on young accounting professionals' personal financial behaviour through the lens of socialisation. Portraying real stories of young South African accountants, active participants in a developing economy, this paper unravels traditional conceptions of determinants of financial behaviour, thus contributing to extant quantitative results. Among South Africa's diverse population of young accounting professionals, households were found to be most influential on all elements of financial behaviour. Increasingly, social media and the Internet influence spending and savings decisions, however the inability to verify online information poses a challenge to how young professionals consume and apply online information in their lives. Thus, these and other findings are instrumental in guiding parents and guardians, educators, and other interested parties in fostering young professionals' financial well-being."],"dc:identifier.uri":["http://hdl.handle.net/11427/41622"],"dc:language.iso":["en"],"dc:publisher.department":["College of Accounting"],"dc:publisher.institution":["University of Cape Town"],"dc:subject":["Personal financial behaviour","young professionals","financial decision-making"],"dc:title":["“A penny for your thoughts?”: exploring influences on young accounting professionals' financial behaviour"],"dc:type":["Thesis / Dissertation"],"dc:type.qualificationlevel":["Masters","MCom"]},"updated_at":"2026-07-22T22:23:45Z"}