• 한국벤처창업학회:학술대회논문집
• /
• 2020.11a
• /
• pp.179-184
• /
• 2020

본 연구는 확장된 합리적 행동이론(ETRA)을 이용하여 주식투자 시 자본시장심리지수를 기반으로 한 어플리케이션의 선택행동에 영향을 끼치는 요인들과 투자자의 휴리스틱과의 관계를 알아보는데 있다. 연구자는 개별 투자자의 휴리스틱이 선택행동에 영향을 미칠 것으로 추정하고 대표성 휴리스틱, 가용성 휴리스틱, 감정 휴리스틱을 측정하여 선택행동에 영향을 미치는 매개변수로 분석을 하였다. 연구모델의 경로계수 분석결과는 다음과 같다. 첫째, 독립변수인 투자기회확장 그리고 매개변수인 휴리스틱 중 대표성 휴리스틱이 행동의도에 영향을 미치는 것으로 나타났다. 둘째, 행동의도가 종속변수인 선택행동에 영향을 미치고 매개변수인 가용성 휴리스틱이 선택행동에 영향을 미치는 것으로 나타났다. 연구모형에서 대표성 휴리스틱에 영향을 주는 독립변수는 혁신적 성향, 투자기회확장, 사용비용, 그리고 인지된 효익이며 반면에 가용성 휴리스틱에 영향을 주는 독립변수는 혁신적 성향과 투자기회확장으로 밝혀졌다. 매개효과 검증결과에 의하면 서비스다양성은 선택행동에 영향을 미치는데 휴리스틱의 매개효과가 없고 직접효과만 있는 것으로 밝혀졌다. 반면에 투자기회확장은 선택행동에 미치는 직접효과는 통계적으로 유의하지 않고 매개변수 휴리스틱의 간접효과 값이 0.217이고 통계적으로 유의하여 매개효과가 있는 것으로 밝혀졌다. 휴리스틱의 매개효과를 개별적으로 확인한 결과 첫째, 대표성 휴리스틱은 매개효과를 통한 간접효과가 없는 것으로 확인되었다. 둘째, 가용성 휴리스틱은 매개효과의 크기가 0.1360이고 경로계수가 통계적으로 유의하게 나타나 매개효과를 통한 간접효과가 있다는 것을 확인하였다. 따라서 독립변수 투자기회확장은 시장 심리지수를 기반으로 한 어플리케이션에 대한 선택행동에 영향을 미치는데 직접적으로 영향을 미치지 않고 투자자의 가용성 휴리스틱이 매개가 되어 간접적으로 선택행동에 영향을 나타내는 것을 실증적으로 확인하였다.

• Journal of Distribution Research
• /
• v.7 no.1
• /
• pp.61-86
• /
• 2002

The number of people who perform their banking business on Internet has been increasing drastically during the recent period and the trend still continues. Banks and other types of financial institutions are now competing intensely with each other in attracting customers to this new innovative banking service. The marketers in charge of formulating and implementing the strategies for this new banking business need to understand the behavioral factors as well as the technical factors in order to succeed in attracting more customers to this new service. products. A deep understanding as to why and how the customers are adopting the new service developed on information technology is a prerequisite for a successful marketing effort. The purpose of this dissertation is to find out what factors are playing important roles in the customers'decision related to the adoption of the Internet banking services. The focus of the research is threefold. First. by testing the hypotheses proposed by the Technology Adoption Model, a well-known theory in the IT-related behavioral science, an analysis was made as to which factors are more important in affecting the attitudes and adoption of the Internet banking on the part of customers. Secondly, an analysis was made as to whether the three criteria of the Technographics- -the attitude toward new technology, level of income, and the motivational factor- -are useful as the criteria for segmenting the Korean users of the online banking. Thirdly, an analysis was made as to whether each customer group segmented by the criteria of the Technographics reveal a differential decision process and thus requires a differential approach strategywise.

• Informatization Policy
• /
• v.28 no.1
• /
• pp.22-42
• /
• 2021

The purpose of this study is to investigate the effects of privacy concerns on the use of mobile payment services. In particular, paying attention to the multidimensionality of consumer innovation, we analyzed the effects of hierarchical logistic regression by gender. The results show that there is a positive (+) relationship for hedonic innovativeness regardless of gender, and that there is a negative (-) relationship for functional innovativeness overall and in the female group. In all groups regardless of gender, a positive (+) relationship was found for the hedonic innovativeness, and one negative (-) relationship was found in the functional innovativeness overall group and the female group. Second, in the male group, there is a moderating effect of privacy concerns and functional innovativeness. This suggests that the relationship between privacy concerns and the usage of mobile payment services may vary depending on functional innovativeness. This study is useful in that it can explain and predict consumers' patterns of use of new technology-based services in various and balanced ways by taking privacy concerns and multidimensional consumer innovation into consideration. In addition, it suggests that mobile payment companies should make efforts to ensure that their services are secure, useful, and fun to use so that consumers can feel confident using the services in various situations.

• Proceedings of the Korea Technology Innovation Society Conference
• /
• 2017.05a
• /
• pp.623-643
• /
• 2017

최근 인공지능 기술이 발달하면서 챗봇이 글로벌 IT기업들에게 새로운 IoT플랫폼으로 주목받고 있다. 챗봇이란 대화형 인터페이스 상에서 규칙 또는 인공지능(AI)을 이용해 사용자와 상호작용(interaction)을 하는 서비스를 지칭한다. 챗봇은 현재 간단한 정보검색 및 가상비서 서비스를 제공하는 수준이지만, 향후 IoT와 O2O 영역의 핵심적인 인공지능 플랫폼으로 부상할 전망이다. 챗봇은 스마트폰 디바이스와 어플리케이션을 기반으로 빠르게 확산되어 핵심 플랫폼의 지위를 차지할 것으로 예상된다. 그러나 챗봇 사용자의 수용행태에 관한 학술적 연구는 미비한 상황이다. 이에 본 연구는 기존의 기술수용이론(TAM)보다 수용의도에 대한 설명력이 높다고 검증된 통합기술수용이론(UTAUT)을 적용하여 챗봇의 사용자 수용행동에 관한 모델을 구축하였다. 구체적으로, 수용의도의 결정요인인 성과기대, 예상노력, 사회적영향, 촉진조건이 수용의도에 긍정적인 영향을 미칠 것으로 예상하였다. 이 과정에서 수용의도 결정요인과 수용의도 간의 관계를 성별, 연령, 개인혁신성이 조절할 것으로 보았다. 본 연구는 챗봇의 수용에 영향을 미치는 결정요인과 조절변인의 효과를 검증하여 실무적 시사점을 제공하고자 한다.

• Information and Communications Magazine
• /
• v.29 no.7
• /
• pp.56-61
• /
• 2012

UX 디자인을 하는데 있어서 제품이나 서비스를 대하는 사용자의 컨텍스트(Context)를 파악하는 것은 매우 중요한 일이다. 다양한 사용자 리서치 방법들 가운데 사용자의 컨텍스트를 파악하기 위한 방법으로는 Contextual Inquiry, 사용자 관찰, Cultural Probes, Contextmapping등이 있는데, 사용자의 컨텍스트는 매우 역동적이고 상황에 따라 다양하게 표현될 수 있으므로 이러한 방법들을 적절하게 조합하여 사용하는 것 이 필요하다. 이렇게 파악된 사용자의 행동패턴과 컨텍스트 요소를 반영하여 UX모델을 만드는데, 사용자의 목표와 사용행태를 기술하는 퍼소나(Persona)가 대표적인 방법이다, 또한 퍼소나를 기반으로 제품이나 서비스에 대한 아이디어와 디자인을 이끌어 내는데 활용하는 '사용자 시나리오(User Scenario)'는 미래의 혁신적인 사용자 경험을 제안하기 위한 유용한 방법이다.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
• /
• v.12 no.4
• /
• pp.145-157
• /
• 2017

SMEs play an important role in the domestic economy. Regarding competency to respond flexibly to unpredictable changes, agility of SMEs is more emphasized. Entrepreneurship orientation is an important factor in the source of SMEs that enable such competency. Entrepreneurial orientation refers to the tendency of a CEO or a member of a corporation to be innovative, risk-taking, and active in the face of various market opportunities. In other words, it refers to the tendency to be expressed in the activities of the entire company without regard to specific technologies or industries. Entrepreneurial orientation has a direct or indirect effect on business performance. Therefore, in this study, we conducted theoretical and empirical studies on the effect of entrepreneurial orientation of SME managers on business performance. Research hypotheses were derived through theoretical research. We focused on the mediating effect of innovation activity and tried to identify the mechanism that entrepreneurial orientation leads to business performance through product innovation and service innovation activity. We investigated whether innovativeness, proactiveness, and risk-taking, which are sub-variables of entrepreneurial orientation, affect business performance through product innovation and service innovation. We conducted a survey of SMEs in Busan and Kyungnam regions to examine the research hypotheses. The results show that product innovation and service innovation have mediating effects. The results of the study are as follows. Product innovation has mediating effect of innovativeness and risk-taking on business performance. Service innovation has been found to mediate innovativeness, proactiveness, and risk-taking on business performance. There was a difference in the mediation effect between the two innovations. Product innovation showed a low mediating effect and a large direct effect. On the other hands, service innovation is relatively more mediating than product innovation. The implications of the research results are derived in relation to the essential differences between product innovation and service innovation. Limitations of the study and directions for future research are presented.

• Knowledge Management Research
• /
• v.23 no.4
• /
• pp.133-157
• /
• 2022

As data becomes a new core resource with high attention, MyData service is spreading to various fields such as finance, medical care, and the public sector. However, research on the behavior of MyData service users is insufficient. Therefore, this study aims to empirically examine the effect of MyData service traits on value perception and acceptable behavior particularly in the financial sector where MyData service is most active. To this end, this study proposed a research model based on the literature. 295 survey responses were collected from individuals and analyzed using AMOS 26.0 for hypothesis testing. As a result of the analysis, it was found that self-information control, financial convenience, and personalized service had a significant effect on perceived value, and that perceived value had a significant effect on the intention to accept MyData service. Furthermore, this study examined the role of personal innovation and technological security in the relationship between variables by suggesting them as moderators. Results show that individual innovation was found to strengthen the relationship between two variables(self-information control and personalized service) and perceived value. Also, technological security was shown to strengthen the relationship between perceived value and intention to accept financial MyData services. The findings are expected to provide useful information to understand the factors affecting the acceptance of financial MyData service users and to understand the importance of individual innovation levels and technological security.

• Proceedings of the Korea Technology Innovation Society Conference
• /
• 2005.10a
• /
• pp.503-510
• /
• 2005

전체 인구대비 가입률이 $80\%$에 육박하는 이동통신서비스를 기반으로 국내에서 무선인터넷은 눈부시게(outstanding) 성장을 거듭하고 있다. EV-DO를 중심으로 제 3세대 이동통신 기술의 진화와 카메라 폰 등의 최신의 무선 단말기 보급, 게임 및 SMS, MMS, LBS 등의 콘텐츠 보급 등이 무선인터넷 성장의 원동력(growth factors)으로 작용하고 있다. 본 연구에서는 정보기술수용모형(TAM)을 기반으로 국내에서 무선인터넷 확산 영향요인을 규명하기 위한 탐색적인 목적으로 수행되었다. 이를 위하여 무선인터넷의 네트워크 품질, 콘텐츠 품질, 단말기 품질, 초기 비용, 이용요금, 유용성, 이용용이성, 사회적 영향, 이용태도, 이용행동 등에 관한 자료를 설문 조사를 통해 수집하였다. 그리고 구조방정식을 통하여 각 요인들간의 인과관계를 실증적으로 검증하였다. 그리고 국내에서 무선인터넷에 대한 이용의향을 바탕으로 고객군을 세분화하고 집단의 특성을 파악하였다.

• Journal of Digital Convergence
• /
• v.20 no.3
• /
• pp.169-180
• /
• 2022

As people spend more time indoors due to the COVID-19 pandemic situation, content consumption is increasing, leading to the rapid demand for Over The Top(OTT) services. Thus, this study attempted to verify impacts of OTT traits on the value, satisfaction, and continuous use intention perceived by users. Through the survey, 437 responses were collected, and analysis was conducted using AMOS 26.0. Results found that the traits of OTT service had a positive effect on perceived value that had a positive effect on user satisfaction and continuous use intention. User satisfaction was also found to have a positive effect on the intention to continue using OTT services. Moreover, hedonic innovation moderated the relationships between OTT traits and perceived value with exception of ubiquity. The findings provide valuable information for OTT service providers in understading users' behaviors.

• Journal of Venture Innovation
• /
• v.4 no.3
• /
• pp.1-15
• /
• 2021

Due to long-term social distancing due to the spread of COVID-19, business trends of restaurant companies are being implemented in accordance with the changed environment such as packaging and subscription. However, even in this environment, upscale restaurants are generating high profits by trying to differentiate themselves from existing restaurants by providing high-quality services with the best facilities. Therefore, this study describes how customers' experience of upscale restaurant service influences behavioral loyalty. That is, the purpose of this study is to determine the effect of service experience on cognitive satisfaction and emotional attachment, and to examine the causal role of cognitive satisfaction and emotional attachment by confirming the relationship between these constructs and relationship commitment and behavioral loyalty. To verify this, data were collected through face-to-face interviews with 300 consumers who recently used a upscale restaurant. Of the collected data, 275 copies(91.6%) were used for the final analysis, and inaccurate or erroneous data among 25 response sheets were excluded. In this study, the validity and reliability of the data were checked and the research hypothesis was verified by using SPSS 21.0 and AMOS 20 statistical package. Frequency analysis was performed to confirm the demographic characteristics of the respondent. Structural equation model analysis(SEM) was used to confirm the fit of the research model and to verify the research hypothesis. As a result of the research hypothesis analysis, it was found that service experience had a positive effect on cognitive satisfaction, and cognitive satisfaction had a positive effect on emotional attachment, relationship commitment, and behavioral loyalty. Also, it was found that emotional attachment had a positive effect on relationship commitment and behavioral loyalty, and relationship commitment had a positive effect on behavioral loyalty. However, service experience did not affect emotional attachment. With this study, marketers and managers of upscale restaurants such as hotel restaurants need to accurately select their target audience, understand their service needs, and then present the appropriate service to them. In addition, they should not only induce cognitive satisfaction by providing excellent service to their customers, but also identify moments of truth and present appropriate services so that satisfied customers can strengthen their emotional attachment. In addition, it is necessary to strengthen the relationship with their firms by forming friendly relationships with customers who have high emotional attachment, and also to induce relationship commitment so that such customers have a strong sense of belonging and attachment to their firms.