• The Research Journal of the Costume Culture
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• v.24 no.6
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• pp.803-816
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• 2016

The purposes of this study were to investigate the influences of channel assessments on the usage of multi-channels by product types, and the differences in the usage of multi-channels among product types in buying decision making process for fashion products. Data were collected from 510 consumers in their 20s to 50s with purchasing experiences through multi-channel distribution system and living in Seoul and Kyunggi province; 491 were analyzed after deleting incomplete questionnaires. Factor analysis, multiple regression analysis and one-way ANOVA were used for statistical analysis by using SPSS 18.0. The results were as follows: 5 factors were extracted for channel assessment: utility, accuracy, risk, price benefit and sharing information. Price benefits, utility and sharing information for online channel tended to influence positively on the usage of online channel and online+offline channels. Accuracy and low perceived risk of offline influenced positively on offline and on+offline channel usages. The usage levels of on-line and off-line channels for cosmetics were significantly lower than the usage levels for clothes and accessories on information search, evaluation of alternatives, and purchase stages. Significant differences were also found in the usage levels of multi-channels (on+off-line) on information search and evaluation of alternatives stages. The usage levels of the multi-channels for clothes were the highest followed by those of accessories and cosmetics in order.

• Research in Community and Public Health Nursing
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• v.8 no.2
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• pp.403-415
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• 1997

이 논문은 지난 10년간(1986-1995)의 영국의 사건강보험(private health insurance) 시장의 전반적 추이를 관찰, 국민 의료 써비스(National Health Service)와의 관계 및 역할 변화를 고찰한 것이다. 가장 대표적인 PMI(private medical Insurance)와 PHI(permanent health Insurance), LTCI(long term care insurance)를 집중 연구하였으나 지면관계상 PMI를 중점적으로 다루고 PHI나 LTCI는 간략히 소개하였으며 관련도표는 모두 생략하였다. 영국의 사건강보험 시장은 1990년대 초의 정체기를 거친후 이제 서서히 가시적인 성장을 보이고 있다. 많은 영국 국민들은 정부가 기본적인 복지혜택 외에는 더 이상의 치료와 미래 간호를 보장할 수 없다는 사실을 이해하고 있으나 아직 대부분은 어떤 형태로든 NHS 외의 보호장치를 가지고 있지 못하다. 따라서 영국민의 사건강보험에 대한 관심은 점차 고조되고 있는 것이 현실이다. 사건강보험 시장의 성장은 몇가지 중요한 요소에 좌우된다 첫째, NHS의 capacity이다. 달리 말하면, NHS에 대한 정부의 각종 정책과 태도는 시장에 직접적인 영향을 미친다. 둘째, 경제성장은 상당히 결정적인 요소이다. 1990년대 초의 침체에서 이미 보았듯이 경기후퇴와 그와 동반된 높은 실업은 사적 의료써비스의 구매력을 감소시킨다. 셋째, 시장을 극대하려는 보험회사의 노력 또한 배놓을 수 없는 중요한 요소이다. 새로운 구매자를 위해서 또 시장에서의 치열한 경쟁에서 살아 남기 위해서 보험회사들은 폭넓은 범위의 상품을 개발하고 노동자들을 위한 값이 저렴한 상품들을 소개시켜 왔다. 비록 이런 종류의 저렴한 상품들은 커버하는 범위가 불충분하지만 총 인구의 보험 가입을 증가시킨다. 현 상황에서 PMI는 NHS에 대한 대안이 되지 못하고 단지 부분적 대용책일 뿐이다. 또한 시장을 극대시키려는 정부의 노력에도 불구하고 극소수의 사람들만이 PHI에 커버되고 있다. LTCI는 너무 비싸 지극히 부자들만이 구매할 수 있을 뿐, 평균임금 또는 그 이하의 사람들은 보험료를 감당할 수 없다. 한편. 영국의 사건강보험 시장에 대한 전망 또한 복합적이다. 즉 PMI 부문은 서서히 성장, PHI 부문은 계속적으로 꾸준히 증가, LTCI 부문은 제한적이기는 하나 발전하리라 보는 것이다. 따라서 미래시장을 예견하는 것은 그리 쉽지 아니하다. 결론적으로 영국국민은 질병, 또는 치료가 필요한 경우 전적으로 NHS에 의존하고 있으며 현재의 사건강보험은 다양한 질병위험에 대한 보호를 제공하기보다는 단순히 부가적인 혜택에 지나지 않을 뿐이다.

• Journal of KIISE:Software and Applications
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• v.35 no.6
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• pp.392-403
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• 2008

User reviews are valuable information that can be used for various purposes. In particular, the product reviews on online shopping sites are important information which can directly affect the purchasing decision of the customers. In this paper, we present our design and implementation of a system for summarizing the customer's opinion and the features of each product by analyzing reviews on a commercial shopping site. During the analysis process, several natural language processing(NLP) techniques and the semantic dictionary were used. The semantic dictionary contains vocabularies that are used to express product features and customer's opinions. And it was constructed in semi-automatic way with the help of the tool we implemented. Furthermore, we discuss how to handle the vocabularies that have different meanings according to the context. We analyzed 1796 reviews about 20 products of 2 categories collected from an actual shopping site and implemented a novel ranking system. We obtained 88.94% for precision and 47.92% for recall on extracting opinion expression, which means our system can be applicable for real use.

• Spatial Information Research
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• v.18 no.2
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• pp.67-75
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• 2010

When people are shopping at a large shopping mall, they usually become to go around many stores for looking for better products and comparing them. In this paper, we design and implement a purchasing activity support system based on an Ambient Service Model that provides relevant stores information on map interface hierarchically through user contexts based search, to support such user's purchasing activities with the help of relevant information. In this system, users can search for relevant stores information through the system by Ambient Query which is created by their location and stores information with a mobile device. Then, users obtain relevant stores information provided in the form of hierarchy of keywords as a highly condensed summary and easily figure out the locations of the stores on a map interface. Moreover, users search additional other kinds of relevant stores information over the hierarchy of keywords. Eventually, users can obtain relevant stores information intuitively and conveniently without complex search processes. We implemented this system by integrating the subordinate technologies such as RFID, map-based, location-based and ontology technology. We also performed experiments on a well-known shopping region (Ilsan Lapesta shopping mall, Goyang-city Gyeonggi-do, Korea). Finally, we also confirmed that users' shopping activities were significantly improved by utility the present system.

• Journal of Distribution Science
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• v.6 no.1
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• pp.117-128
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• 2008

The purpose of the research is to furnish basic data for efficient and effective marketing by examining the correlation how a certain element effects on customer's selection behavior, when they choose private label branded clothes at the store of giant discount store like E-.mart, Home-plus, Lotte-mart and 2001 outlet. We come to the following conclusions through such procedures; What we found on this study is that main factors of decision related purchasing garment of private brand in giant discount store is based on the sales price, quality of products and needs of customer's using. Further to this, in terms of choice activity in private brand clothes, we realized the price value is depend on the resonable price with the items because nowadays most customers can be compare to other discount store around their shopping place including trend of garment and quality of products. The order of the general inclination in selection behavior of private branded garment in giant discount store is as follows; Sales price > style & trend > quality of product and substantial convenience > display and prompt buying. Judging from the conclusion of the research we noted that customer's satisfaction comes from their target price to supply substantial needs and in terms of styling of clothes should be considered current trendy compared to national brand as well.

• Journal of the Korean Society of Clothing and Textiles
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• v.33 no.10
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• pp.1601-1610
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• 2009

Unplanned purchase is an unexpected buying behavior affected by product or marketing stimuli. Unplanned purchase does not follow the order of the rational decision making process. Through an in-depth interview, this study classified the types of unplanned purchase of clothing and examined the decision-making processes. The results (according to the need recognition level of consumers prior to stimuli) show three types of unplanned purchase of clothing products that are classified as: the need-manifesting type, the need-embodying type, and the need-reminding type. In addition, each type is reclassified into the high-cognition type and the low-cognition type according to the cognitive effort level of consumers during the purchase decision-making process. The need-manifesting type recognized a buying need after exposure to stimuli and then engaged in unplanned purchases. The need-embodying type recognized a problem, but the purchase intention was not concrete. The need-reminding type recognized a desire to buy clothing products, but temporarily forgot it, and then later remembered the problem recognition from the past after experiencing the stimuli.

• Journal of the Korean Society of Clothing and Textiles
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• v.46 no.4
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• pp.638-656
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• 2022

This study aimed to identify characteristics of Generation MZ's consumer purchase decision journey to develop the new fashion CDJ model. The initial stage was affected by habit, online community, social media, aesthetics, circumstantial need, and proxy. In the search and consideration stage, mobile channels were used actively. In the active search and evaluation stage, online media, experiential data, and personal information were employed. In the purchase stage, zoomers took plenty of time in search and evaluation before spending, contrary to millennials who made their purchases more quickly. In the post-purchase experience stage, zoomers actively displayed follow-up behaviors depending on their satisfaction, such as retaining or deleting the app. While, millennials did not turn away from the store or brand, but followed up on their purchases even when they had an unsatisfactory experience. Based on the characteristics of CDJ, iterative cycle CDJ models were developed. Zoomers CDJ model was presented as a search loop that consists of the search and evaluation process, in which information accumulates, and a purchase loop in which the actual purchase occurs. The iterative cycle CDJ model was presented connected to the loyalty loop as the main section, which is accelerated in millennials' CDJ model.

• Journal of the Korean Data and Information Science Society
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• v.20 no.6
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• pp.1129-1143
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• 2009

This paper proposes a recommendation system (Association Rule System for Targeting) which considers target which is not considered by previous Logistic Regression system, and proves that the efficiency of the recommendation system is better than that of the current and previous Apriori algorithm system. Also this study shows that the click and purchasing rate of the proposed Association Rule System for Targeting is much higher than those of current Apriori algorithm system after the purchasing campaign even though the open rate of the former is lower than that of the latter. In comparison with Logistic Regression methodology, this paper proves with experimental data that the purchasing effect of the proposed system for specific items is much higher in accuracy than that of current Apriori algorithm system even though the purchasing rate of current Apriori algorithm system is higher in whole shopping malls than that of the proposed Association Rule System for Targeting.

• The Journal of Society for e-Business Studies
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• v.11 no.4
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• pp.87-106
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• 2006

Today as the scale of e-commerce constantly expands, the number and the amount of the consumer frauds are also increasing very rapidly, without sufficient levels of systematic support to prevent them. Internet Escrow service is one of the promising payment mechanisms, which guarantees secure electronic trades and payments. Especially, if the real-time product delivery information is available via RFID-based track-and-trace environment, the security and efficiency of the Internet Escrow services would be improved a lot. In this research, proposed a novel approach to integrate EPCglobal Network, which is a de-facto standard for RFID-based information network model, with Internet Escrow services. The proposed service model was implemented in the form of "Integrated Financial Platform", which supports the contracts among trading partners and the payment via Escrow services by being fully integrated with bank systems. Using the implemented EPCglobal Network-based Escrow service system, we would be able not only to shorten the money-flow cycle and to develop new kinds of loan services, but also to overcome the problems of existing Escrow services including the lack of product-related information and the delay of purchasing decisions.

• Journal of Korean Library and Information Science Society
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• v.35 no.1
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• pp.187-213
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• 2004

Nowadays changes of financial environment are internalization, generalization and autonomous system. The most importance in a struggle for existence is to secure a customer. The purpose of this study is to analyze whether information on financial service accounts have fully offered over internet, which information consumers needed in buying financial service accounts and whether consumer have satisfied with offered information Through this, to enhance the efficiency of financial information offered to consumer over internet and to explore the consumer demanding information model by finding the problems of offering financial information. The specific purpose of this study me following; 1. to investigate the actual situation which consumers behaviour of information providing and choosing about financial accounts items on internet. 2. to analyze the relationship between the level of consumer information need about financial information and rotated variables. 3. to analyze the relationship between the level of consumer information satisfaction about financial information over internet and related variables. 4. to analyze the new information financial service and contents. 5. to analyze the informatic information and financial service accounts.