Against Marrying a Stranger Marital Matchmaking Technologies in Saudi Arabia

Websites and applications that match and connect individuals for romantic purposes are commonly used in the Western world. However, there have not been many previous investigations focusing on cultural factors that affect the adoption of similar technologies in religiously conservative non-Western cultures. In this study, we examine the socio-technical and cultural factors that influence the perceptions and use of matchmaking technologies in Saudi Arabia. We report the methods and findings of interviews with 18 Saudi nationals (nine males and nine females) with diverse demographics and backgrounds. We provide qualitatively generated insights into the major themes reported by our participants related to the common approaches to matchmaking, the current role of technology, and concerns regarding matchmaking technologies in this cultural con-text. We relate these themes to specific implications for designing marital matchmaking technologies in Saudi Arabia and we outline opportunities for future investigations.Comment: 11 pages, 1 table, DIS 201

Evaluating Quality of Matrimonial Websites: Balancing Emotions with Economics

There are a plethora of studies evaluating the quality of websites on functional and design-related aspects such as usability and visual parameters. The majority of these studies are related to e-commerce websites where individuals make decision largely relying on economic parameters. However, matrimonial websites are unique, as the decisions involve both economic and non-economic parameters. Therefore, this study aims to propose a framework to evaluate quality of matrimonial websites by incorporating contextual factors and examine differences among different groups of users. This study proffers a website evaluating framework considering non-economic and emotion based factors from the information systems (IS) success model and the search match interaction (SMI) framework. The study proposes a hybrid model of multi-criteria decision-making techniques—namely Fuzzy-AHP and ranking models such as evaluation based on distance from average solution (EDAS), technique for order of preference by similarity to ideal solution (TOPSIS), and complex proportional assessment (COPRAS). The results indicate that the context-specific factors related to search and matchmaking options are the most preferred parameters for evaluation. Males and females have been found to differ in their preferences related to service quality and price. Next, the study compares the performance of three ranking models, namely EDAS, TOPSIS, and COPRAS. The first and second models provide similar results, while the rankings obtained through COPRAS differ slightly. The study contributes towards website evaluation literature by highlighting the importance of contextual factors while evaluating the matrimonial websites and the differences among preferences of the users

Mediated Mate Selection And Courtship: The Lived Experience Of Muslim American Women In Using Online Matchmaking Websites

This thesis examines how technology affects two major components of courtship among Muslim American women: (1) mate selection and (2) cross-gender interactions between Muslim men and women. Sixteen individuals who self-identify as Muslim American women who are active users of online matchmaking websites participated in interviews conducted through Skype about their online dating experience. Qualitative data analysis suggests that these women balance the perceived advantages of online dating (e.g., increased individual agency in initiating romantic relationships) with their desire to maintain traditional cultural and religious courtship practices. This study contributes towards a deeper understanding of CMC and online dating among Muslim American women, and gives insights into the nature of technological change and adaptation in society more generally

Evaluating Quality of Matrimonial Websites: Balancing Emotions with Economics

There are a plethora of studies evaluating the quality of websites on functional and design-related aspects such as usability and visual parameters. The majority of these studies are related to e-commerce websites where individuals make decision largely relying on economic parameters. However, matrimonial websites are unique, as the decisions involve both economic and non-economic parameters. Therefore, this study aims to propose a framework to evaluate quality of matrimonial websites by incorporating contextual factors and examine differences among different groups of users. This study proffers a website evaluating framework considering non-economic and emotion based factors from the information systems (IS) success model and the search match interaction (SMI) framework. The study proposes a hybrid model of multi-criteria decision-making techniques—namely Fuzzy-AHP and ranking models such as evaluation based on distance from average solution (EDAS), technique for order of preference by similarity to ideal solution (TOPSIS), and complex proportional assessment (COPRAS). The results indicate that the context-specific factors related to search and matchmaking options are the most preferred parameters for evaluation. Males and females have been found to differ in their preferences related to service quality and price. Next, the study compares the performance of three ranking models, namely EDAS, TOPSIS, and COPRAS. The first and second models provide similar results, while the rankings obtained through COPRAS differ slightly. The study contributes towards website evaluation literature by highlighting the importance of contextual factors while evaluating the matrimonial websites and the differences among preferences of the users

The Role of State Boredom, State of Fear of Missing Out and State Loneliness in State Phubbing

The term “phubbing” describes individuals’ engagement with their smartphones during face-to-face conversations. Because some scholars treated phubbing as a trait experience, the predictors they investigated to explain this behavior have also been trait predictors. This paper reports on a study that used the state phubbing scale, which took into account both the fleeting and the psychological properties of this behavior, and applied a set of state predictors that perceived phubbing as a state experience (state boredom, state of fear of missing out and state loneliness). Data was collected using an online survey. The results from the multiple regression analysis revealed that the state of fear of missing out was a stronger predictor of state phubbing with state boredom also predicting state phubbing to a lesser extent. State loneliness didn’t predict this behaviour. Understanding the immediate predictors of phubbing is important, considering the negative effects of this behavior on offline relationships

For Love of Neighbor: Engaging Narrative as a Model for Interfaith Pedagogy

Religious literacy and relationship building between religious groups and individuals remain a crucial need in the United States. This need is particularly acute in ‘diversity deserts,’ such as religiously exclusive college campuses. Colleges must respond to this need and course curriculum can provide an advantageous and effective starting point. The new and emerging field of Interfaith Studies provides useful language, concepts, and methods that can be applied to research and sources within established academic disciplines to create new pedagogical models to better equip students to live well in a religiously diverse America. By demonstrating how educational objectives from the field of Interfaith Studies can be integrated into existing curricular models that utilize ethnographic narratives, an innovative model of interfaith pedagogy can be created. This method, called the shared experience model relies primarily on the work of Oddbjørn Leirvik and Eboo Patel, two leading thinkers in the field of what is being called Interfaith or Interreligious Studies. When applied to four ethnographic narratives of young Muslim Americans constructed from methods rooted in ethnography and narrative inquiry, the shared experience model can result in a reader’s development of, appreciative knowledge and narrative imagination, two key capacities from Interfaith theory. Acquisition of appreciative knowledge and narrative imagination through engagement with a narrative fosters empathy and admiration - moving the reader from tolerance to appreciation. Ultimately, it results in a self-reflection that prepares the reader to begin to consider and articulate their own narrative identity

Arab Traders Pursuing Chinese Dream in East China

The rise of Arab traders from the Middle East and North Africa in Yiwu, a county-level city in Zhejiang Province, the People's Republic of China, has received unprecedented media attention in the context of the Belt and Road initiative. The resident population of Arab traders was over 4,000 in 2016, attracted to the world largest petty commodities wholesale marketplace in the city and were mainly engaged in exporting commodities back to their home countries. Little academic attention has been given to the Arab traders' life and business in China. This is an ethnographic study of Arab traders' engagement in producing power and building cross-cultural trust in their host society. It examines what attracts Arab entrepreneurs to Yiwu, their role in building multinational trading networks, and their increasingly diverse modes of interaction with the majority Chinese community. Drawing on twelve months' fieldwork from November 2015 to December 2016 and follow-up research in November 2017 and February 2019, this project highlights foreign migrant entrepreneurial communities in China, the informal economy and low-end globalization. It shows how Arab traders establish cross-cultural trust with their Chinese partners to maintain a transnational trading system, and outline what their social and business interactions tell us about migrant entrepreneurship and interracial dynamics in China. The ethnographic findings reveal that Arab traders operate and facilitate their transnational business using various kinds of social capital. Many were expatriated by their families and were based in China; this being considered the most stable group of Arab traders by potential Chinese partners. A few were students who had become intermediaries, having studied in Chinese universities and subsequently worked for Arab buyers. The third group were fortune seekers, who presence in the marketplace as shuttle-travelers were considered the most unstable partners for Chinese business people. Arab traders redefined the power relationships in the market. They bought products on credit and forced Chinese suppliers to accept their trading patterns. When married to Chinese women, Arab husbands also required their wives to convert to Islam and subordinate their own culture to their husbands to maintain to maintain their affective relationship. By producing power over other groups, Arab traders transforms their marginal and powerless status in the host society. The presence of Arab traders also influenced the labor market. They integrated Hui migrant Muslims, who can speak Arabic, into export industries to work as interpreters. These Hui people held a dominant role in export industries reversing the general characterization of Chinese minorities being at a disadvantage in the job market. Arab traders regulated the Hui migrant Muslims by spiritual means (e.g. how to be good Muslim, as the traders saw it) rather than control their laborers by more the typical means seen in China. This study aims to deepen our knowledge of small-scale foreign traders in China. Through discussing the process of building trust among different groups, it provides an opportunity to observe cross-cultural communication in detail and in practice

A reconceptualised perspective of the six-step financial planning process

The globally applied six-step financial planning process which is used by CFP® professionals to provide financial advice is designed to ensure that the financial advice is suitable, based on the needs of the consumer. However, given the diverse cultures in South Africa, this study argues that the six-step financial planning process (as it is currently applied) may not be suitable, as it requires contextualisation based on the unique needs of South African consumers. The various population groups in South Africa have their own sets of beliefs, values and cultural practices, and thus view aspects such as wealth (the creation, preservation and transference thereof), marriage, death and retirement, differently. Thus, financial planners who are not knowledgeable about different cultures, diverse financial needs, or the provisions of customary law, may not be able to provide suitable advice. The primary objective of the study is thus to reconceptualise the six-step financial planning process to be more inclusive, in order to better serve the financial planning needs of South African consumers. A comprehensive literature review was undertaken to provide the context and framework within which the reconceptualisation of the six-step financial planning process could be approached. An investigation of the financial planning environment and the financial planning process was completed to determine how the six-step financial planning process is currently applied in the South African context. Further, an investigation of culture and the cultural dimensions – power distance, uncertainty avoidance, individualism, masculinity, timeorientation and indulgence – was conducted, as it was clear that these cultural dimensions cannot be generalised to all South African consumers, due to the large degree of diversity within the population. It was also determined that there are various factors that contribute towards the cultural diversity of South African consumers, which may influence their financial needs and the type of financial advice that is required. These factors include race and ethnicity, marital regimes, procreation and family structures. To further illustrate the diversity of financial needs of South African consumers, a discussion of Black households and the application of financial planning legislation and customary law was provided. Black households are considered to be under-serviced, historically financially excluded, have low levels of financial literacy, and are mostly collectivist in nature. It is for these reasons that Black households are the focus of the study. Some of the financial needs that vi are common among Black households include land and property ownership, family wealth, family homesteads, lobola capital and ‘black tax’ expenditure. Given that the literature review established how the six-step financial planning process is currently applied, an interpretivist research philosophy was adopted in order to gain a deeper understanding of how the six-step financial planning process should be applied in a South African context. Further, the research approach in the context of this study is an inductive one, as the six-step financial planning process is an existing theory that was reconceptualised by considering the perceptions and experiences of 16 CFP® professionals and 14 Black South African households. A mono-method qualitative research methodology was used, with a single qualitative method of data collection (semi-structured interviews), and a single qualitative method of data analysis (latent content analysis). The findings of the study were used to provide a reconceptualised perspective of the six-step financial planning process which takes into consideration the fact that the image of a financial planner plays an important role when trying to establish a professional relationship with a client. The findings reveal that Black consumers in particular, generally have a negative image of a financial planner, which is influenced not only by their perceptions of a financial planner, but also by their self-perception of their own financial situation. The reconceptualised perspective of the six-step financial planning process also incorporates the finding that discussions around personal finances are considered impolite and taboo among the Black African community, which influences their ability to talk about these topics, trust a financial planner, and establish a professional relationship with them. The findings also reveal that a racial and gender bias exists among Black consumers – they prefer interacting with a White male financial planner, as they perceive them to be more competent and have more experience with finances and wealth accumulation. It was also found that CFP® professionals believe that having cultural awareness and cultural intelligence can reduce bias in the way that questions are asked, so as not to offend the client. Thus, cultural awareness was also incorporated into the reconceptualised perspective of the six-step financial planning process. It was also noted that it is important to ascertain clients’ level of financial literacy during the information gathering stage. Black consumers opined that in this regard, it is the role of the financial planner to both ascertain and ensure their clients’ financial literacy, and to offer financial education to ensure client understanding. vii Although the premise of the study is that South African consumers have unique financial needs due to the high degree of diversity among the population, it was the opinion of CFP® professionals that Black consumers, in particular, do not have unique financial needs – instead, they define their needs differently, have different exposures to financial resources to address their financial needs, and also prioritise and satisfy their needs differently. The prioritised financial needs of Black households (sub-themes) that emerged from both participant groups include the need to make provision for black tax, estate planning, funerals, and property ownership. Black household participants mentioned (to a greater extent than CFP® professionals did) the need to make provision for lobola and initiation schools, as these form part of several traditional ceremonies. The need to make provision for a family home was mentioned by Black household participants but not by CFP® professionals. It was discovered from Black household participants that stokvels are the most common micro-finance tool used by Black consumers, for various reasons. In fact for some, stokvels are preferred over formal financial products because they perceive that they yield a higher return, and others use them successfully to supplement their current provisions. These findings (among others) were incorporated into the reconceptualised perspective of the six-step financial planning process which is presented in this study. This study has made a contribution to the financial planning body of knowledge by presenting a reconceptualised perspective of the six-step financial planning process, and providing new knowledge on each of the associated six steps and their suitability in a South African context. This study also provides justification and evidence for the inclusion of aspects within the sixstep financial planning process that enhance the understanding of cultural diversity and needs of Black households in particular. Justification has also been provided for the inclusion of cultural aspects and diverse needs of Black consumers the in the academic curriculum of FPI and FSCA recognised qualifications, as well as the facilitation and learning outcomes of business and product-specific training that FSPs are required to provide to their representatives. The study findings also have implications for the development of the academic curriculum and assessment materials for CFP® professionals by recognised education providers, the FSCA regulatory examination, and the FPI professional competency examination. In addition, the study has provided evidence for the need to develop financial products, or customise existing financial products, that address the viii needs of Black households – especially culture-specific financial needs such as black tax, lobola and funding for initiation schools.Thesis (PhD) -- Faculty of Faculty of Business and Economic Sciences, 202

A reconceptualised perspective of the six-step financial planning process

The globally applied six-step financial planning process which is used by CFP® professionals to provide financial advice is designed to ensure that the financial advice is suitable, based on the needs of the consumer. However, given the diverse cultures in South Africa, this study argues that the six-step financial planning process (as it is currently applied) may not be suitable, as it requires contextualisation based on the unique needs of South African consumers. The various population groups in South Africa have their own sets of beliefs, values and cultural practices, and thus view aspects such as wealth (the creation, preservation and transference thereof), marriage, death and retirement, differently. Thus, financial planners who are not knowledgeable about different cultures, diverse financial needs, or the provisions of customary law, may not be able to provide suitable advice. The primary objective of the study is thus to reconceptualise the six-step financial planning process to be more inclusive, in order to better serve the financial planning needs of South African consumers. A comprehensive literature review was undertaken to provide the context and framework within which the reconceptualisation of the six-step financial planning process could be approached. An investigation of the financial planning environment and the financial planning process was completed to determine how the six-step financial planning process is currently applied in the South African context. Further, an investigation of culture and the cultural dimensions – power distance, uncertainty avoidance, individualism, masculinity, timeorientation and indulgence – was conducted, as it was clear that these cultural dimensions cannot be generalised to all South African consumers, due to the large degree of diversity within the population. It was also determined that there are various factors that contribute towards the cultural diversity of South African consumers, which may influence their financial needs and the type of financial advice that is required. These factors include race and ethnicity, marital regimes, procreation and family structures. To further illustrate the diversity of financial needs of South African consumers, a discussion of Black households and the application of financial planning legislation and customary law was provided. Black households are considered to be under-serviced, historically financially excluded, have low levels of financial literacy, and are mostly collectivist in nature. It is for these reasons that Black households are the focus of the study. Some of the financial needs that vi are common among Black households include land and property ownership, family wealth, family homesteads, lobola capital and ‘black tax’ expenditure. Given that the literature review established how the six-step financial planning process is currently applied, an interpretivist research philosophy was adopted in order to gain a deeper understanding of how the six-step financial planning process should be applied in a South African context. Further, the research approach in the context of this study is an inductive one, as the six-step financial planning process is an existing theory that was reconceptualised by considering the perceptions and experiences of 16 CFP® professionals and 14 Black South African households. A mono-method qualitative research methodology was used, with a single qualitative method of data collection (semi-structured interviews), and a single qualitative method of data analysis (latent content analysis). The findings of the study were used to provide a reconceptualised perspective of the six-step financial planning process which takes into consideration the fact that the image of a financial planner plays an important role when trying to establish a professional relationship with a client. The findings reveal that Black consumers in particular, generally have a negative image of a financial planner, which is influenced not only by their perceptions of a financial planner, but also by their self-perception of their own financial situation. The reconceptualised perspective of the six-step financial planning process also incorporates the finding that discussions around personal finances are considered impolite and taboo among the Black African community, which influences their ability to talk about these topics, trust a financial planner, and establish a professional relationship with them. The findings also reveal that a racial and gender bias exists among Black consumers – they prefer interacting with a White male financial planner, as they perceive them to be more competent and have more experience with finances and wealth accumulation. It was also found that CFP® professionals believe that having cultural awareness and cultural intelligence can reduce bias in the way that questions are asked, so as not to offend the client. Thus, cultural awareness was also incorporated into the reconceptualised perspective of the six-step financial planning process. It was also noted that it is important to ascertain clients’ level of financial literacy during the information gathering stage. Black consumers opined that in this regard, it is the role of the financial planner to both ascertain and ensure their clients’ financial literacy, and to offer financial education to ensure client understanding. vii Although the premise of the study is that South African consumers have unique financial needs due to the high degree of diversity among the population, it was the opinion of CFP® professionals that Black consumers, in particular, do not have unique financial needs – instead, they define their needs differently, have different exposures to financial resources to address their financial needs, and also prioritise and satisfy their needs differently. The prioritised financial needs of Black households (sub-themes) that emerged from both participant groups include the need to make provision for black tax, estate planning, funerals, and property ownership. Black household participants mentioned (to a greater extent than CFP® professionals did) the need to make provision for lobola and initiation schools, as these form part of several traditional ceremonies. The need to make provision for a family home was mentioned by Black household participants but not by CFP® professionals. It was discovered from Black household participants that stokvels are the most common micro-finance tool used by Black consumers, for various reasons. In fact for some, stokvels are preferred over formal financial products because they perceive that they yield a higher return, and others use them successfully to supplement their current provisions. These findings (among others) were incorporated into the reconceptualised perspective of the six-step financial planning process which is presented in this study. This study has made a contribution to the financial planning body of knowledge by presenting a reconceptualised perspective of the six-step financial planning process, and providing new knowledge on each of the associated six steps and their suitability in a South African context. This study also provides justification and evidence for the inclusion of aspects within the sixstep financial planning process that enhance the understanding of cultural diversity and needs of Black households in particular. Justification has also been provided for the inclusion of cultural aspects and diverse needs of Black consumers the in the academic curriculum of FPI and FSCA recognised qualifications, as well as the facilitation and learning outcomes of business and product-specific training that FSPs are required to provide to their representatives. The study findings also have implications for the development of the academic curriculum and assessment materials for CFP® professionals by recognised education providers, the FSCA regulatory examination, and the FPI professional competency examination. In addition, the study has provided evidence for the need to develop financial products, or customise existing financial products, that address the viii needs of Black households – especially culture-specific financial needs such as black tax, lobola and funding for initiation schools.Thesis (PhD) -- Faculty of Faculty of Business and Economic Sciences, 202

A reconceptualised perspective of the six-step financial planning process

The globally applied six-step financial planning process which is used by CFP® professionals to provide financial advice is designed to ensure that the financial advice is suitable, based on the needs of the consumer. However, given the diverse cultures in South Africa, this study argues that the six-step financial planning process (as it is currently applied) may not be suitable, as it requires contextualisation based on the unique needs of South African consumers. The various population groups in South Africa have their own sets of beliefs, values and cultural practices, and thus view aspects such as wealth (the creation, preservation and transference thereof), marriage, death and retirement, differently. Thus, financial planners who are not knowledgeable about different cultures, diverse financial needs, or the provisions of customary law, may not be able to provide suitable advice. The primary objective of the study is thus to reconceptualise the six-step financial planning process to be more inclusive, in order to better serve the financial planning needs of South African consumers. A comprehensive literature review was undertaken to provide the context and framework within which the reconceptualisation of the six-step financial planning process could be approached. An investigation of the financial planning environment and the financial planning process was completed to determine how the six-step financial planning process is currently applied in the South African context. Further, an investigation of culture and the cultural dimensions – power distance, uncertainty avoidance, individualism, masculinity, timeorientation and indulgence – was conducted, as it was clear that these cultural dimensions cannot be generalised to all South African consumers, due to the large degree of diversity within the population. It was also determined that there are various factors that contribute towards the cultural diversity of South African consumers, which may influence their financial needs and the type of financial advice that is required. These factors include race and ethnicity, marital regimes, procreation and family structures. To further illustrate the diversity of financial needs of South African consumers, a discussion of Black households and the application of financial planning legislation and customary law was provided. Black households are considered to be under-serviced, historically financially excluded, have low levels of financial literacy, and are mostly collectivist in nature. It is for these reasons that Black households are the focus of the study. Some of the financial needs that vi are common among Black households include land and property ownership, family wealth, family homesteads, lobola capital and ‘black tax’ expenditure. Given that the literature review established how the six-step financial planning process is currently applied, an interpretivist research philosophy was adopted in order to gain a deeper understanding of how the six-step financial planning process should be applied in a South African context. Further, the research approach in the context of this study is an inductive one, as the six-step financial planning process is an existing theory that was reconceptualised by considering the perceptions and experiences of 16 CFP® professionals and 14 Black South African households. A mono-method qualitative research methodology was used, with a single qualitative method of data collection (semi-structured interviews), and a single qualitative method of data analysis (latent content analysis). The findings of the study were used to provide a reconceptualised perspective of the six-step financial planning process which takes into consideration the fact that the image of a financial planner plays an important role when trying to establish a professional relationship with a client. The findings reveal that Black consumers in particular, generally have a negative image of a financial planner, which is influenced not only by their perceptions of a financial planner, but also by their self-perception of their own financial situation. The reconceptualised perspective of the six-step financial planning process also incorporates the finding that discussions around personal finances are considered impolite and taboo among the Black African community, which influences their ability to talk about these topics, trust a financial planner, and establish a professional relationship with them. The findings also reveal that a racial and gender bias exists among Black consumers – they prefer interacting with a White male financial planner, as they perceive them to be more competent and have more experience with finances and wealth accumulation. It was also found that CFP® professionals believe that having cultural awareness and cultural intelligence can reduce bias in the way that questions are asked, so as not to offend the client. Thus, cultural awareness was also incorporated into the reconceptualised perspective of the six-step financial planning process. It was also noted that it is important to ascertain clients’ level of financial literacy during the information gathering stage. Black consumers opined that in this regard, it is the role of the financial planner to both ascertain and ensure their clients’ financial literacy, and to offer financial education to ensure client understanding. vii Although the premise of the study is that South African consumers have unique financial needs due to the high degree of diversity among the population, it was the opinion of CFP® professionals that Black consumers, in particular, do not have unique financial needs – instead, they define their needs differently, have different exposures to financial resources to address their financial needs, and also prioritise and satisfy their needs differently. The prioritised financial needs of Black households (sub-themes) that emerged from both participant groups include the need to make provision for black tax, estate planning, funerals, and property ownership. Black household participants mentioned (to a greater extent than CFP® professionals did) the need to make provision for lobola and initiation schools, as these form part of several traditional ceremonies. The need to make provision for a family home was mentioned by Black household participants but not by CFP® professionals. It was discovered from Black household participants that stokvels are the most common micro-finance tool used by Black consumers, for various reasons. In fact for some, stokvels are preferred over formal financial products because they perceive that they yield a higher return, and others use them successfully to supplement their current provisions. These findings (among others) were incorporated into the reconceptualised perspective of the six-step financial planning process which is presented in this study. This study has made a contribution to the financial planning body of knowledge by presenting a reconceptualised perspective of the six-step financial planning process, and providing new knowledge on each of the associated six steps and their suitability in a South African context. This study also provides justification and evidence for the inclusion of aspects within the sixstep financial planning process that enhance the understanding of cultural diversity and needs of Black households in particular. Justification has also been provided for the inclusion of cultural aspects and diverse needs of Black consumers the in the academic curriculum of FPI and FSCA recognised qualifications, as well as the facilitation and learning outcomes of business and product-specific training that FSPs are required to provide to their representatives. The study findings also have implications for the development of the academic curriculum and assessment materials for CFP® professionals by recognised education providers, the FSCA regulatory examination, and the FPI professional competency examination. In addition, the study has provided evidence for the need to develop financial products, or customise existing financial products, that address the viii needs of Black households – especially culture-specific financial needs such as black tax, lobola and funding for initiation schools. Key words: Black households; CFP® professionals; culture; diverse needs; reconceptualisation; six-step financial planning process.Thesis (MSc) -- Faculty of Science, School of Environmental Sciences, 202