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* The introduction of technology in banking operations has also imposed greater Responsibility to protect against various information security threats and to ensure wider assurance of safeguard of the interest of customers.

* Implementation of Basel II requires higher capital.

CHAPTER 4

RESEARCH DESIGN AND METHODOLOGY

4.1 Introduction

This chapter focuses on how the research questions of this study were investigated by referring to the sample group of respondents used in the study, the procedure that was followed for conducting this study and the measuring instruments used. Statistical analysis was conducted in conjunction with the literature review undertaken.

4.2 Research Design

Since we used a qualitative approach in our research, which is connected to small-scale studies, we have chosen to conduct a case study. Saunders et.al (2003) states that a case study is appropriate when using small-scale studies, since it is only focused on one few research units and therefore results in deep and detailed information. A case study is also characterized by emphasing the importance of the special rather than the general, relations or processes rather than results, a holistic view point rather than individual factors, natural rather than artifical environments and finally it uses multiple sources rather than one research method. One pro with a case study as a research strategy is that it makes possible to use different methods depending on the circumstances surrounding the situation. The most critical con is that the researcher has to show the similarity with other cases to avoid accusations regarding the reliability of the results.

For the purpose of the study a non-probability sampling design in the form of a convenience sampling method was adopted and considered to be appropriate to gather the data. The rationale for using this sampling method was due to the respondents being easily accessible, their availability, as well as it being less time consuming and inexpensive to gather the research information.

A non-probability sampling design was used, based on the method of convenience. Non-probability sampling does not involve elements of randomisation and not each potential respondent has an equal chance of participating in the research. Some of the advantages of utilising a non-probability sample lie in the fact that it is cost-effective, and less time consuming. However, its associated shortcomings relate to its restricted generalisability, particularly in lieu of the higher chances of sampling errors (Sekaran, 2003). However, to overcome restrictions with respect to generalisability, Sekaran (2003) maintains that it is advisable to use larger samples.

Rosnow and Rosenthal (1996) have outlined the advantages of using questionnaires as follows:

• It can be administered to large numbers of individuals,

• The method also allows anonymity and

• It is relatively more economical to use.