• 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.

• Journal of Korean Home Economics Education Association
• /
• v.34 no.4
• /
• pp.77-92
• /
• 2022

Recently, digital transformation in the financial industry has been accelerated, and it has become an important task to improve the level of utilization of Internet banking by elderly consumers, who are vulnerable to Internet use. Accordingly, this study analyzed 3,101 respondents in their 60s or older from the 11th year of the Media Panel Survey to identify demographic, experiential, and psychological factors that affect the self-efficacy of elderly consumers' usage of Internet banking. The main research findings are as follows. First, gender, education, occupation, and income were identified as demographic variables. Second, the Internet shopping experience was identified as an experiential factor. Also, concerns about information security, digital literacy, and high will for problem-solving were identified as psychological factors. Third, as a result of the moderating effect analysis on whether the experiential and psychological factors have different influences according to the group divided into the 60s and 70s, the effect on self-efficacy in the usage of the Internet was classified by age. The results of this study will be able to enrich the discussions related to the intention to utilize technology among elderly consumers by empirically revealing that there are characteristics that cause differences in financial behavior even within one group called the elderly.

• Asia-pacific Journal of Multimedia Services Convergent with Art, Humanities, and Sociology
• /
• v.9 no.5
• /
• pp.659-667
• /
• 2019

The study examined the effects of individual, family, and environmental factors on adolescents' self-esteem. Individual factors were the adolescents' health status and their leisure activity experiences, while the family factors were families' socio-economic status(SES) and parenting styles. Three environmental factors focusing on the adolescents' school environment were studied, and they consisted of academic attachment, peer attachment, and teacher attachment. The study inquiries were as follows: which individual factors had an effect on the adolescents' self-esteem? Which family factors had an effect on the adolescents' self-esteem? Which environmental factors had an effect on the adolescents' self-esteem? Of all the factors considered in this study, which factors had the greatest effect on adolescents' self-esteem? This study used data from the 3rd Korean Child and Youth Panel survey of Korean students in the first grade of middle school, and the data were analyzed using multiple regression analysis using SPSS 18.0. The results were as follows: the most important factor that have an effect on adolescents' self-esteem was parenting style, while peer attachment, health status, and academic attachment were also found to significantly affect adolescents' self-esteem. In the conclusion, the researchers suggest various strategies based on results of the analysis to improve adolescents' self-esteem.