References
- Agarwal, R. & Prasad, J. (1998). "A conceptual and operational definition of personal innovativeness in the domain of information technology." Information systems research, 9(2), 204-215. https://doi.org/10.1287/isre.9.2.204
- Ahuja, M. K. & Thatcher, J. B. (2005). "Moving beyond intentions and toward the theory of trying: effects of work environment and gender on post-adoption information technology use." MIS quarterly, 29(3), 427-459. https://doi.org/10.2307/25148691
- An, J., Lee, S., An, E. & Kim, H. (2016). "Fintech Trends and Mobile Payment Service Anlaysis in Korea:Application of Text Mining Techniques." Informatization Policy. 23(3), 26-42. https://doi.org/10.22693/NIAIP.2016.23.3.026
- Acquisti, A. (2004). Privacy and security of personal information. In Economics of Information Security (pp. 179-186). Springer, Boston, MA.
- Bank of Korea (2020). "Electronic Payment Service Usage in 2019". 2020.3.24.
- Barnes, S. B. (2006). "A privacy paradox: Social networking in the United States." First Monday, 11(9). https://doi.org/10.5210/fm.v11i9.1394
- Baumgartner, H. (2002). "Toward a personology of the consumer." Journal of Consumer Research, 29(2), 286-292. https://doi.org/10.1086/341578
- Bhatti, (2007). "Exploring Factors Influencing the Adoption of Mobile Commerce." Journal of Internet Banking and Commerce. 12.
- Brackett, L. K. & Carr, B. N. (2001). "Cyberspace advertising vs. other media: Consumer vs. mature student attitudes." Journal of advertising research, 41(5), 23-32. https://doi.org/10.2501/JAR-41-5-23-32
- Chiu, Y., Lin, C. & Tang, L. (2005). "Gender differs: assessing a model of online purchase intentions in e-tail service." International Journal of Service Industry Management, 16(5), 416-435. https://doi.org/10.1108/09564230510625741
- Choi, H., Lee, M. & Lee, H. (2019). "Is There a Privacy Paradox in the Online Purchasing Context?: The Study on the Effects of Privacy Concern and Online Purchasing Behavior." Journal of Product Research, 37, 1-13. https://doi.org/10.36345/kacst.2019.37.5.001
- Choi, Y. & Choi. H. (2017). "Mediating Effect of Cognitive Trust and Emotional Trust on Satisfaction of Mobile Easy Payment Services According to Gender." Journal of the Korea Contents Association. 17(11). 525-532. https://doi.org/10.5392/JKCA.2017.17.11.525
- Chung, Y. & Koo, T. (2015). Fintech, Seize the Opportunity. Seoul: The Korea Economic Daily.
- Conger, J, A. (1998), "The Necessary Art of Persuasion." Harvard Business Review, May/June, 84-94.
- Davis, H. L. & Rigaux, B. P. (1974). "Perception of marital roles in decision processes." Journal of consumer Research, 1(1), 51-62. https://doi.org/10.1086/208581
- Dawson, J. F. (2014). "Moderation in management research: What, why, when, and how." Journal of business and psychology, 29(1), 1-19. https://doi.org/10.1007/s10869-013-9308-7
- Dinev, T. & Hart, P. (2005). "Internet privacy concerns and social awareness as determinants of intention to transact." International Journal of Electronic Commerce, 10(2), 7-29. https://doi.org/10.2753/JEC1086-4415100201
- Eom, J. (2019). A Study on Job Satisfaction, Organizational Commitment and Employment Stability of Adult Household Heads. Korean Labor & Income Panel Study Conference, 2019, DEC 20.
- Financial Services Commission (2020). "The 3rd plenary meeting of the Regulatory Proof Committee was held-142 cases were deliberated, 26 cases were decided to improve". https://www.fsc.go.kr/info/ntc_news_view.jsp?menu=7210100&bbsid=BBS0030&no=33965. (Revrieved on November 9).
- Fischer, E. & Arnold, S. J. (1994). "Sex, gender identity, gender role attitudes, and consumer behavior." Psychology & Marketing, 11(2), 163-182. https://doi.org/10.1002/mar.4220110206
- Foxall, G. R., Goldsmith, R. E. & Brown, S. (1998). Consumer psychology for marketing (Vol. 1). Cengage Learning EMEA.
- Hartman, J. B., Shim, S., Barber, B. & O'Brien, M. (2006). "Adolescents' Utilitarian and Hedonic Web-Consumption Behavior: Hierarchical Influence of Personal Values and Innovativeness." Psychology & Marketing, 23(10), 813-839. https://doi.org/10.1002/mar.20135
- Henseler, J., Ringle, C. M. & Sarstedt, M. (2015). "A new criterion for assessing discriminant validity in variance-based structural equation modeling." J. of the Acad. Mark. Sci. 43, 115-135. https://doi.org/10.1007/s11747-014-0403-8
- Hirschman, E. C. (1980). "Innovativeness, novelty seeking, and consumer creativity." Journal of Consumer Research, Volume 7, Issue 3, pp. 283-295. https://doi.org/10.1086/208816
- Huffman, C., Ratneshwar, S. & Mick, D. G. (2000). "Consumer goal structures and goal determination processes: An integrative framework." The why of consumption: Contemporary perspectives on consumer motives, goals, and desires, 9-35.
- Hur. J., Kim. S., Cha. N. & Hwang J. (2016). "Research on User Attitudes of Information Privacy : Focusing on the New Payment Systems." Information Society & Media, 17(3), 75-97.
- Hwang, S. & Kim, J. (2018). "The Study of User Resistance to Fintech Payment Service: In the Perspective of Innovation Diffusion And Status Quo Bias Theory." The Journal of Information Systems. 27(1), 133-151. https://doi.org/10.5859/KAIS.2018.27.1.133
- Jeong, Y., Lee, C. & Han, J. (2019). "The Effect of Consumer innovativeness Characteristics for VR Leisure Sports Contents Users on Acceptance Intention: Focused on Technology Acceptance Model." Korean Journal of Leisure, Recreation & Park. 43(4). 77-89. https://doi.org/10.26446/kjlrp.2019.12.43.4.77
- Kim, E. (2017). "The Effect of Service Quality and Company Reputationon Customer Satisfaction and Loyalty in Mobile Payment: Moderating Effects of Switching Barriers." Master's Thesis, Seoul National University.
- Kim, H., Shi, Yi. & Lee D. (2018). "A study on the Service Attributes on Satisfaction and Intention to Reuse of Mobile Easy Payment Services According to Gender : Focusing on Chinese Users." The Journal of Internet Electronic Commerce Research, 18(6), 329-344. https://doi.org/10.37272/JIECR.2018.12.18.6.329
- Kim, H. (2011). "Dual Path Impacts of the Consumer Innovativeness in the New Products Adoption Situation." The Journal of the Korea Contents Association, 11(8), 187-197. https://doi.org/10.5392/JKCA.2011.11.8.187
- Kim, S. & Park, H. (2012). "The Effects of Precedence Factors for Privacy Concern Reduction and Trust on Intention to Use Location-Based Services and a Moderating Effect of Personal Innovation." The Journal of Information Systems, 21(1), 73-96. https://doi.org/10.5859/KAIS.2012.21.2.73
- Kim, S. & Kim, J. (2017). "Impact of Privacy Concern and Institutional Trust on Privacy Decision Making : A Comparison of E-Commerce and Location-Based Service." Journal of the Korea Society Industrial Information System, 22(1), 69-87. https://doi.org/10.9723/jksiis.2017.22.1.069
- Kim, S. & Kim, J. (2018). "Privacy Paradox : A Literature Review and Future Direction." Information Systems Review, 20(1), 115-135. https://doi.org/10.14329/isr.2018.20.1.115
- Ko, K. (2017). "Review of Application of Logistic Regression in Public Administration Research." Modern Society and Public Administration, 27(4). 3-33.
- KOIT (2020). Easy Payment Service Market Trillion... Simplified authentication leaves security insecurity still. Aug. 5.
- Korea Information Society Development Institute (2020). Analysis of e-commerce behavior. vol. 20-16.
- Korea Information Society Development Institute (2019). Korea Media Panel Survey Statistics User Guide.
- Korea Internet Self-governance Organization (2020). "Domestic Tech + Fin Trends and Prospects." https://journal.kiso.or.kr/?p=10113.
- Kokolakis, S. (2017). "Privacy attitudes and privacy behaviour: A review of current research on the privacy paradox phenomenon." Computers & security, 64, 122-134. https://doi.org/10.1016/j.cose.2015.07.002
- Lee. C., Maeng. Y. & Lee. C. J. (2015). "A Study on the Factors Affecting Privacy Paradox: Focusing on SNS." Entrue Journal of Information Technology, 14(2), 99-112.
- Lee, D. & Kim, M. (2011). "A Study on the e-Commerce Adopters' Information Privacy Concerns and Response Behaviors." The e-Business Studies, 12(2), 365-383. https://doi.org/10.15719/geba.12.2.201106.365
- Lee, E., Lee, J., Cho, M., Sung, Y. & Choi, S. (2018). "The Effect of Innovativeness and Self-Regulatory Focus on the Use of Internet of Things." The Korean Psychological Association, 19(1), 67-91.
- Lee, J. Y. & Kang, H. (2015). "The Effect of Privacy Concerns on Continued Use of SNS: Interaction Effect of Trust and Perceived Usefulness." Knowledge Management Research, 16(4), 47-67. https://doi.org/10.15813/kmr.2015.16.4.004
- Lee, M & Shim, J.(2009). The Moderating Effect by Gender in the Relationship between the Perception of Online Privacy and Use of Privacy Protection Strategy. Media, Gender & Culture (12), 165-190.
- Lewis, W., Agarwal, R. & Sambamurthy, V. (2003). "Sources of influence on beliefs about information technology use: An empirical study of knowledge workers." MIS quarterly, 657-678.
- Korea Development Bank (2018). "Korea Development Bank Monthly". Seoul: Korea Development Bank. 754, 92-110.
- Meyers-Levy, J. & Maheswaran, D. (1991). "Exploring differences in males' and females' processing strategies." Journal of consumer research, 18(1), 63-70. https://doi.org/10.1086/209241
- Muller, MP., Tomlinson, G., Marrie, TJ., Tang, P., McGeer, A., Low, DE. & Gold, WL. (2005). "Can routine laboratory tests discriminate between severe acute respiratory syndrome and other causes of community-acquired pneumonia?" Clinical Infectious Diseases. 40(8):1079-1086. https://doi.org/10.1086/428577
- Midgley, D. F. & Dowling, G. R. (1978). "Innovativeness: The concept and its measurement." Journal of consumer research, 4(4), 229-242. https://doi.org/10.1086/208701
- National Information Society Agency.(2019). National Information White Paper. Daegu: National Information Society Agency.
- Oh, S. & Song, J. (2014). "The Determinant of Trust in Online Transaction Process by Gender Difference." The Journal of Industrial Innovation. 30(4), 143-172.
- Ong, C. S. & Lai, J. Y. (2006). "Gender differences in perceptions and relationships among dominants of e-learning acceptance." Computers in human behavior, 22(5), 816-829. https://doi.org/10.1016/j.chb.2004.03.006
- Park, S. C. & Chung, N. H. (2010). "Understanding Gender Differences in Internet Shopping Mall Usage Behavior: A Focused on Mediating Role of Online WOM Propensit." Korean Journal of Business Administration, 23(2), 675-695.
- Park, S. G. (2015). "Research on Fintech Industry Trends and Key Business Models." Korea Multimedia Society, 19(1), 1-8.
- Rogers, E. M. (1995). Diffusion of Innovation. New York; Free Press
- Rogers, E. M. (2003). Diffusion of Innovations. New York: Free Press, 2003. Print.
- Rogers, E. M. & Shoemaker, F. F. (1971). Communication of Innovations; a cross-cultural approach.
- Ryu, Y. (2012). "Perceived Consumers' product Innovation Scale Development and Validation: Focused on College students and Electronic Devices." The Korean Journal of Consumer and Advertising Psychology, 13(2), 159-183. https://doi.org/10.21074/kjlcap.2012.13.2.159
- Smith, H. J., T. Dinev, & H. Xu (2011). "Information privacy research: An interdisciplinary review." MIS Quarterly, 35(4), 989-1015. https://doi.org/10.2307/41409970
- Shin, I. (2020). "Difference of Privacy Paradox on Open and Closed SNS." Informatization Policy, 27(1). 72-91. https://doi.org/10.22693/NIAIP.2020.27.1.072
- Shin. I. & Kim. H. (2018). "Privacy Concerns and SNS Activities: Focusing on the Validity and Explanations of the Existence of a Privacy Paradox." Korea Association For Telecommunications Policies, 25(2), 33-67.
- Shim, D. (2020). "Adoption of Media Devices and Services according to Individual Innovativeness." KISDI STAT Report, 20-03.
- Sweeney, J. C. & Soutar, G. N. (2001). "Consumer perceived value: The development of a multiple item scale." Journal of retailing, 77(2), 203-220. https://doi.org/10.1016/S0022-4359(01)00041-0
- Vandecasteele, B. & Guenes, M. (2010). "Motivated consumer innovativeness:Concept, measurement, and validation." International Journal of Research in Marketing, 27(4), 308-318. https://doi.org/10.1016/j.ijresmar.2010.08.004
- Venkatesh, V. & Morris, M. G. (2000). "Why don't men ever stop to ask for directions? Gender, social influence, and their role in technology acceptance and usage behavior." MIS quarterly, 115-139.
- Xu, H. & Gupta, S. (2009). "The effects of privacy concerns and personal innovativeness on potential and experienced customers' adoption of location-based services." Electronic Markets, 19(2-3), 137-149. https://doi.org/10.1007/s12525-009-0012-4
- Yonhapnews Television (2020). "Unstable Easy Payment Service... 60% are 'security issues'." Aug. 1.
- Yu, S. (2012). "The Effects of Consumer Functional, Hedonic, and Social Innovativeness on Purchase Intention: Perceived Usability and Capability The Effects of Consumer Functional, Hedonic, and Social Innovativeness on Purchase Intention: Perceived Usability and Capability." Journal of Marketing Management Research, 17(3), 45-68.