• 한국벤처창업학회:학술대회논문집
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• 2020.11a
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• pp.127-130
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• 2020

금융시장 환경이 점차 변화하고 있다. 흔히 지점이라 불리는 오프라인 환경에서 애플리케이션을 이용하거나 웹페이지를 이용하는 온라인 비대면 환경으로 이동함에 따라 기존의 정형 정보를 중심으로 한 소비자 행동 예측 방법보다 더 나은 방법을 모색하기 이르렀다. 이에 따라 주관적 비정형 정보의 중요하게 된 것이다. 본 연구는 비대면 대출시장에서 주관적 비정형 정보의 하나인 SNS 프로필 사진과 대출상환에 영향을 미치는 변인을 파악하는 것을 목표로 한다. SNS 프로필 사진은 자신의 감정이나 상태를 표현하는 도구로 떠오르고 있으며, 이러한 차입자의 SNS 프로필사진을 분석함으로써 정보비대칭의 최소화로, 대출심사를 위한 신용평가에 유의적 요소들을 규명하는데 목적이 있다. 본 연구에서는 대출자들이 차입자에 대한 평가의 중요 고려 요소들을 규명하고 탐색하는데 초점을 맞춰 SNS 대안 신용평가만을 심사기준으로 이용한 대출인 텐스페이스의 AI LOAN 대출자중에서 2020년 2월부터 2020년 2월까지 대출자료를 확보할 예정이다. 이러한 자료 중에서 2020년 12월 30일을 기준으로 상환기일이 도래한 대출상환 자료 중 SNS사진을 순서형 로짓회귀모형을 이용해 분석하고자 한다.

• Korean journal of communication and information
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• v.80
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• pp.115-142
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• 2016

This study aims to reveal the content of and logic behind a recent negative public sentiment toward female idols with the example of a debate over songstress IU's fourth album that was released late last year. While previous studies on fandom have focused on the identification process towards entertainers and making community, a recent phenomenon of "anti-fandom" or "malicious comments" implies that more research is needed on negative emotions such as hostility or schadenfreude (feelings of pleasure from others' misfortunes). Schadenfreude is a social sentiment that originated in modern liberalism, which features contradictions between public equality and private ownership, and that has been intensified in neoliberalism, which features a maximization of this contradiction centering on a meritocracy. Celebrities in Korea often become the targets of schadenfreude, which is associated with the suspicion that they gain popularity not from their abilities but from "just being popular." It should also be noted that this kind of schadenfreude operates differently between male and female entertainers. Specifically, the acquisition of money and fame by modern women whose presence used to be located in the private possessions of males is considered to be due to their unjustified use of sexuality. This is also the background of the recent online misogyny culture in Korea. In this context, IU, who had been successful at building a differentiated image of "sister-like idol artist," became a valid target. Although accusing IU of utilizing pedophilia reflects a stalemate that a current politics of sexual violence faces, it rather damages the name of an individual than attracts public attention to the structural causes of childsexualabuse. This is why I see the way that pedophilia was used in the debate over IU as a schadenfreude. Consequently, the term pedophilia here contributes to an expansion of the entertainment economy that is sustained by rises and falls of the celebrities' stock prices.

• Journal of Distribution Research
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• v.14 no.2
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• pp.67-95
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• 2009

The purpose of this study is to empirically examine the transference of trust process, an important factor to consumer's purchase decision-making. Even though several researchers have discussed the trust transference process, there is no research related to this concept. Specifically we have focused on the transference of trust from the retailer to low involvement private label (PL) products. PL products were chosen as transference of trust occurs under ambiguity due to lack of information about the product and their manufacturer. PL products provide relatively less information than national brand (NB) products. In addition, retailers have been rapidly expanding their PL product categories. To identify the theoretical and empirical limitations of prior studies, we discuss several theories explaining the transference of trust: 'Balance theory' and 'availability heuristic' in transference of cognitive trust; 'affective transference' and 'affect as information' in transference of affective trust. An empirical test was performed. A self completion questionnaire was developed and administered to a convenience sample of PL users. 206 usable questionnaire were received. The results show that the transference of trust plays a mediating role linking the retailer to the manufacturer and to the product. Although our model, which included the transference process of trust as a mediating effect, did not improve the competitive model, the coefficients of the respective paths were found to be better. This study confirms the transference of cognitive trust from the retailer to both the manufacturer and the product, but not for affective trust. We offer the explanation that PL products may tend to have affective trust resulting from brand familiarity but not to their PL manufacturers.

• Asia Marketing Journal
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• v.12 no.2
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• pp.83-110
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• 2010

Dissatisfied customers may express their dissatisfaction behaviorally. These behavioral responses may impact the firms' profitability. How do we model the impact of self regulatory orientation on emotions and subsequent customer behaviors? Obviously, the positive and negative emotions experienced in these situations will influence the overall degree of satisfaction or dissatisfaction with the service(Zeelenberg and Pieters 1999). Most likely, these specific emotions will also partly determine the subsequent behavior in relation to the service and service provider, such as the likelihood of complaining, the degree to which customers will switch or repurchase, and the extent of word of mouth communication they will engage in(Zeelenberg and Pieters 2004). This study investigates the antecedents, consequences of negative consumption emotion and the moderate effect of attribution processing in an integrated model(self regulatory mode → specific emotions → behavioral responses). We focused on the fact that regret and disappointment have effects on consumer behavior. Especially, There are essentially two approaches in this research: the valence based approach and the specific emotions approach. The authors indicate theoretically and show empirically that it matters to distinguish these approaches in services research. and The present studies examined the influence of two regulatory mode concerns(Locomotion orientation and Assessment orientation) with making comparisons on experiencing post decisional regret and disappointment(Pierro, Kruglanski, and Higgins 2006; Pierro et al. 2008). When contemplating a decision with a negative outcome, it was predicted that high (vs low) locomotion would induce more disappointment than regret, whereas high (vs low) assessment would induce more regret than disappointment. The validity of the measurement scales was also confirmed by evaluations provided by the participating respondents and an independent advisory panel; samples provided recommendations throughout the primary, exploratory phases of the study. The resulting goodness of fit statistics were RMR or RMSEA of 0.05, GFI and AGFI greater than 0.9, and a chi-square with a 175.11. The indicators of the each constructs were very good measures of variables and had high convergent validity as evidenced by the reliability with a more than 0.9. Some items were deleted leaving those that reflected the cognitive dimension of importance rather than the dimension. The indicators were very good measures and had convergent validity as evidenced by the reliability of 0.9. These results for all constructs indicate the measurement fits the sample data well and is adequate for use. The scale for each factor was set by fixing the factor loading to one of its indicator variables and then applying the maximum likelihood estimation method. The results of the analysis showed that directions of the effects in the model are ultimately supported by the theory underpinning the causal linkages of the model. This research proposed 6 hypotheses on 6 latent variables and tested through structural equation modeling. 6 alternative measurements were compared through statistical significance test of the paths of research model and the overall fitting level of structural equation model and the result was successful. Also, Locomotion orientation more positively influences disappointment when internal attribution is high than low and Assessment orientation more positively influences regret when external attribution is high than low. In sum, The results of our studies suggest that assessment and locomotion concerns, both as chronic individual predispositions and as situationally induced states, influence the amount of people's experienced regret and disappointment. These findings contribute to our understanding of regulatory mode, regret, and disappointment. In previous studies of regulatory mode, relatively little attention has been paid to the post actional evaluative phase of self regulation. The present findings indicate that assessment concerns and locomotion concerns are clearly distinct in this phase, with individuals higher in assessment delving more into possible alternatives to past actions and individuals higher in locomotion engaging less in such reflective thought. What this suggests is that, separate from decreasing the amount of counterfactual thinking per se, individuals with locomotion concerns want to move on, to get on with it. Regret is about the past and not the future. Thus, individuals with locomotion concerns are less likely to experience regret. The results supported our predictions. We discuss the implications of these findings for the nature of regret and disappointment from the perspective of their relation to regulatory mode. Also, self regulatory mode and the specific emotions(disappointment and regret) were assessed and their influence on customers' behavioral responses(inaction, word of mouth) was examined, using a sample of 275 customers. It was found that emotions have a direct impact on behavior over and above the effects of negative emotions and customer behavior. Hence, We argue against incorporating emotions such as regret and disappointment into a specific response measure and in favor of a specific emotions approach on self regulation. Implications for services marketing practice and theory are discussed.

• The Journal of the Korea Contents Association
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• v.20 no.7
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• pp.629-635
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• 2020

Using a sample of two-hundred thirty-eight employees in the service industry, this study examined the relationships between perceived similarity, leader-member exchange (LMX), envy, and deviant workplace behavior (DWB) drawing on social comparison theory. Specifically, the current study predicts that an individual who perceives similarity to co-workers whose LMX is higher is more likely to report lower levels of LMX by focusing on upward social comparison. In addition, the study examines the moderating effect of envy in the relationship between perceived similarity and LMX. The results of the study supported the hypotheses, implying that, first, envious feelings coming from lower levels of LMX positively predict DWB. Second, employee envy moderated the relationship between perceived similarity and LMX such that envious people who report being similar to their colleagues also report lower levels of LMX with their supervisors. This means that employees who reported lower levels of LMX with their supervisors, reported committing more DWB than their counterparts. Finally, LMX mediates the relationship between perceived similarity and DWB, indicating that individuals who view themselves similarly to their colleagues report lower levels of LMX with their supervisors and in turn commit more DWB. We believe that it highlights the need for employees to feel special in order to have unique attention by, and relationships with their supervisors. These results have implications and suggest the need for the further study of employee's negative emotions, LMX theory, and DWB.

• The Journal of the Korea Contents Association
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• v.15 no.10
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• pp.92-104
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• 2015

Many publishing companies go to storytelling marketing through facebook in these days. Because storytelling marketing through facebook is thought for publishing company as useful marketing method in accordance with the increase of social media user. Thus, this study classified storytelling marketing type by episode, experience, anniversary, information and also analyzed the difference of cognitive reaction, emotional reaction and variables which effect to purchase intention according to each storytelling marketing type. As the results, anniversary type and information type got more positive reaction from responses rather than episode type and experience type with respect to likability, reliability, informativeness, engagement. Also engagement, likability, informativeness are revealed as major variables which effect to purchase intention of each storytelling type. Thus, storytelling marketing of publishing company through facebook need to focus on anniversary type and information type. And it is important to combine naturally the information regarding to book that publishing company want to sell with the fun, pleasure factors that story can give.

• 한국HCI학회:학술대회논문집
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• 2007.02b
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• pp.554-559
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• 2007

최근 인터넷 관련 기술의 급속한 발전으로 사람들의 다양한 사회적, 경제적 행위들이 인터넷을 기반으로 확대되고 있다. 특히 우리나라의 경우 초고속 통신망의 확산과 더불어 인터넷 쇼핑몰과 상거래시장 또한 빠르게 성장하였다. 이러한 상황에서 인터넷을 매체로 하는 광고기법 또한 다양하게 적용되고 있는데, 인터넷을 통한 광고 효과를 극대화하기 위해 인터넷 신문기사 주변에 배치된 배너광고, 팝업광고 등 여러 가지 시도들이 있어왔다. 이러한 시도들은 인터넷 사용자의 편의에 대한 고려보다는 광고내용을 얼마나 잘 전달할 수 있는가에 초점이 맞추어져 있었다. 그러나 광고내용이 잘 전달된다 하더라도 소비자가 그 광고에 대해 불쾌감을 느끼게 된다면 과연 인터넷 광고효과가 높다고 말할 수 없을 것이다. 예를 들어, 팝업광고에 대한 대응책으로 개인적으로 팝업 블록커(pop-up blocker)를 사용하겠는가에 대한 설문조사 결과를 보면 사람들이 팝업 블록커를 이용해서라도 팝업광고를 피하고자 하는 비율이 77%에 달한다는 것을 알 수 있다. 실제로 Windows XP 서비스팩 2 이후의 버전은 인터넷 사용자들의 편의를 위해 자동 팝업 차단기능을 갖추고 있는 실정이다. 팝업광고를 통해 아무리 높은 정보전달 효과가 발생한다 하더라도 사용자들은 팝업광고에 대하여 거부감이나 부정적 감정을 느낄 수 있다. 그리고 광고정보가 전달된다 하더라도 팝업광고에 대한 사용자들의 불편함이 그 광고에 대한 부정적 감정으로 전이되어 광고대상에 대한 이미지에 악영향을 미칠 수 있음에 유의해야 한다. 그러므로 광고효과는 극대화하면서, 혹은 기존의 수준을 유지하면서 광고에 대한 거부감을 줄인 광고형태를 찾기 위한 다양한 노력들이 필요하다. 이를 위해 본 연구에서는 인터넷 신문기사에 첨부된 광고에 대한 사용자의 거부감을 줄일 수 있는 새로운 광고 제시 방식을 찾고자 일반적으로 사용되는 배너와 팝업 등 두 가지 광고 제시 방식과 전면에 돌출하지 않는 형태로 인터넷 신문기사의 배경에 삽입된 광고 제시 방식을 비교하였다. 그 결과, 인터넷 신문기사 영역의 주변 특정 부분(코너나 중간 부분 등)에 광고를 삽입한 배너 형태의 광고와 인터넷 신문기사 위에 광고가 돌출 등장하여 콘텐츠를 가리는 팝업 형태의 광고 제시 방식보다 새롭게 제안된 백그라운드 형태의 광고 제시 방식이 인터넷 신문기사를 읽는 사용자에게 거부감을 줄이며 동시에 광고효과를 유지할 수 있음을 확인하였다. 이러한 결과를 인터넷 광고 제시 방식으로 활용한다면 인터넷 사용자에게 콘텐츠를 방해하여 발생하는 명시적인 거부감(explicit negative attitude)을 줄이면서도 암묵적인(implicit) 광고효과를 얻을 수 있을 것이다.

• Journal of Korea Game Society
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• v.8 no.1
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• pp.41-48
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• 2008

If an association for a color develops and comes to form any kind of common idea, a symbolic meaning is given to the color. It is called' symbolism of color' that color builds up an abstract general idea, an emblem, feeling except things concrete. The color of game is the visual element that one can be immersed in the game, the image which act as important meaning, the attribute of light, and visual perceptional factor. With form, motion, light and shade, the color function importantly as media which express a person and person's circumstance. In game, the color is used symbolically to suggest not only mental change of character but also the situation, mood, attribute and strength of energy. These transmission of meaning express symbolism of the color iconically. So, the color for image express of game take on universality. This study research that focus on how the symbolical meaning of the color is reflected in game.

• Management & Information Systems Review
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• v.32 no.5
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• pp.175-192
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• 2013

The previous researches on customer participation(CP) have examined the influences of CP on customer satisfaction and service quality focusing on the role of CP in the service encounters. However, this paper identifies the path relationships between CP and relationship commitment focusing on the impact of CP on the relational outcomes. By expanding the role of CP in the service encounter, this paper shows what relational variables can be influenced by CP in detail, which identifies that CP plays an important role in service encounter empirically. As results, CP has significant influences on the relationship commitment such as normative commitment, continuance commitment, and affective commitment respectively. Additionally, considering the characteristics of CP, CP is more impactful on normative commitment than affective commitment.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.15 no.10
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• pp.6076-6083
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• 2014

Service recovery research has been conducted on the premise that service problems can be returned to the original condition. This study, however, focused on irrecoverable service problems for the first time and classified them according to the types and sub-types. The specific wants of customers who experienced unrecoverable service problems were identified by analyzing the customers' emotion, behavior pattern, and the company's responses. The results revealed three main types of problems and 2 categories in group 1, 6 categories in group 2, and 2 categories in group 3. In particular, damaged items and bodily harm were frequent problems, and bodily harm was recognized as the most severe failure. Regarding the customers' emotion, the customers were so enraged at the audacity and the company still showed many problems in terms of its response to the service failures. This study also suggested the analysis results of the customers' behavior and company evaluation.