• 한국벤처창업학회:학술대회논문집
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• 2021.11a
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• pp.189-195
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• 2021

최근 고령화로 인한 수명연장은 노후생활비용 부담의 가중을 통해 고령자들의 노후파산 가능성을 높이는 핵심 위협요인이 되고 있기 때문에 이를 위한 사적자산의 안정적, 장기적인 관리와 증식이 필수적이다. 자산관리 자문/일임 서비스를 이용하는 것은 이를 해결할 수 있는 좋은 대안이지만 과거에는 서비스 이용가능 대상이 대형 금융기관을 거래하는 거액자산가들로 국한되어 있었다. 그런데 최근 기술혁신과 더불어 플랫폼을 기반으로 하는 웰스테크(디지털 자산관리) 서비스가 빠른 속도로 대중화되고 있어, 이를 활용하면 보다 많은 고령자들이 자산관리에 대한 부담을 경감할 수 있을 것으로 예상된다. 본 연구에서는 이런 이유로 최근 주목받는 웰스테크(디지털 자산관리) 자문/일임 서비스에 대한 고령자들의 사용의도에 영향을 미치는 특성 및 요인들을 파악하고자 한다. 이를 위해 기술수용이론 중 소비자가 얻는 혜택과 희생을 모두 고려하는 '가치기반수용모델(Value Based Model)'을 기본 모형으로 하되 웰스테크(디지털 자산관리) 자문/일임서비스의 특성을 고려하여 '가격효용성'을 혜택 요인에 추가하였다. 또한 고령자의 특성을 고려하여 희생 요인에 '인지된 위험'을, 별도의 요인으로 '사회적 영향'을 각각 추가하였다. 예상되는 연구결과로는 지각된 혜택에 해당하는 유용성, 즐거움, 가격효용성은 모두 인지된 가치에 유의한 (+)의 영향을 미칠 것으로 예상되는 반면, 지각된 희생에 해당하는 기술성과 인지된 위험은 모두 인지된 가치에 유의한 (-)의 영향을 미칠 것으로 예상된다. 또한 추가변수인 사회적 영향은 인지된 가치에 유의한 (+)의 영향을 미칠 것으로 예상된다.

• Korean Journal of Human Ecology
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• v.22 no.5
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• pp.477-490
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• 2013

This study explores critical and success factor of benefits and risks for predicting the acceptance of QR code virtual fashion stores. As an exploratory approach, this study conducted focus group interviews(FGI) with 21 panels who had experience with selected QR virtual stores (e.g., Home plus, 11th Street, Pin & Fit). Content analysis was used to generate 184 excerpts and classify into benefits and risks related to QR code virtual stores. With respect to benefits, content analysis identified four factors: Affective appeal, perceived usefulness, ubiquity, and brand promotion. Also, contents regarding perceived risks were classified into four factors: Complexity, lack of information, lack of technology infrastructure, and perceived cost. A managerial implication was discussed for predicting consumer technology acceptance of a QR code virtual store in the fashion retailing market.

• Journal of the Korean Home Economics Association
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• v.40 no.2
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• pp.161-173
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• 2002

This study explored the Internet searching values(utilitarian searching value and hedonic searching value) of college student consumers, typed the Internet searching values to four types, and analysed the level of perception to Internet shopping' benefit-risk according to the Internet searching value types. The subjects were 361 college students. We used Cronbach'$\alpha$, multiple regression, one-way ANOVA, and Scheffe' test as statistical analysis. The results were summarized as follows : 1) According to the Internet searching values, college student consumers were classified into 4 types - high utilitarian/high hedonic type, high utilitarian/low hedonic type, low utilitarian/high hedonic type, and low utilitarian/low hedonic type. 2) Both high utilitarian/high hedonic type and low utilitarian/high hedonic type had high level of perception to Internet shopping' benefit-risk.

• Journal of the Korean Home Economics Association
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• v.43 no.8 s.210
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• pp.83-98
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• 2005

The purpose of this study is to examine consumer's relationship benefit perception for fashion products and to examine the influence of relationship benefit perception on consumer satisfaction based on consumer characteristics. Data for this research were collected by surveying 766 women older than 20 years old in Seoul, Gwangju, and Gyeonggi-do. The following is a summary of the conclusions reached from this research: (1) Relationship benefit perception was divided into five separate areas: informational benefit, emotional benefit, special treatment benefit, economic benefit and social benefit. (2) Relationship benefit perception influenced consumer satisfaction. (3) There was a difference in benefits influenced on consumer satisfaction based on consumer characteristics such as sociability, relationship preference, and price importance.

• Journal of the Korean Society of Clothing and Textiles
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• v.37 no.2
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• pp.159-173
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• 2013

This research investigates the mechanism of ethical fashion consumption by examining the effects of benefit and risk perception on ethical fashion consumption attitudes and behavioral intention. To test the hypotheses, 300 female consumers between the ages of 20 and 49 were invited as study participants. The reliability and the validity of multi-item constructs were tested by Confirmatory Factor Analysis. The hypotheses were tested by utilizing Structural Equation Analysis and hierarchical multiple regression analysis. The benefit perception of ethical consumption was composed of three benefit types, which were altruistic benefit, social image benefit, and self-oriented benefit. Benefit perception, except social image benefit, had significant effects on consumer attitudes towards ethical fashion consumption; similarly, benefit perception had significant effects on behavioral intention (except self-oriented benefit) which had an effect on behavioral intention only when it was mediated by attitudes. Further analysis was conducted to understand the reason for the weak relationship between attitudes and behavioral intention. Financial and performance risk perceptions were tested for the moderating roles of attitudes and behavioral intention; subsequently, only financial risk interacted with attitudes and showed that the positive effects of attitudes on behavioral intention were weakened by a high financial risk perception. Performance risk had a main effect on behavioral intention independent of attitudes. Managerial implication and future study directions are also discussed.

• The Journal of the Korea Contents Association
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• v.18 no.3
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• pp.19-33
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• 2018

Collaborative consumption was suggested as a new paradigm of consumption and business model that focuses on sharing and using resources to reduce the risks of resource depletion and environmental impact. Individual consumers carry out a role not only as users but also as providers for collaborative consumption. In the present study, the authors investigated consumers' intention to participate in collaborative consumption both as providers and users. The effects of perceived benefit of collaborative consumption, subjective norms and ease of participation on the intention to participate in collaborative consumption were analyzed. The perceptions on benefits and subjective norms were relatively high, while the perception on ease of participation was relatively low. The effects of subjective norms and ease of participation on the intention to participate in collaborative consumption were significant. The result shows that support from one's reference group and the perception on ease of participation have significant positive effects on the intent to participate in collaborative consumption. Therefore, communication strategies for developing a positive consumer attitude and a social consensus about the necessity of collaborative consumption are needed.

• The Journal of the Convergence on Culture Technology
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• v.9 no.2
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• pp.339-348
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• 2023

Uncertainty in the employment market from the COVID-19 created incomplete employment. As a result, job seekers were required to have overqualifications than job requirements. In previous studies, overqualified workers by incomplete employment were not satisfied with their jobs. A representative result is the intention to change jobs. However, within COVID-19, the perceived overqualification of workers will appear differently. This is because in a rapidly increased employment competition environment due to COVID-19, it will appear as loyalty to maintain a stable job. As a result of this study, work experience was the greatest benefit and high risk for office workers. In addition, both the benefits and risks of overqualification affected loyalty. Unlike the negative impact as in previous studies, workers tried to remain stable at work in an unstable employment environment caused by COVID-19.

• Journal of the Korea Society of Computer and Information
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• v.29 no.4
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• pp.161-175
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• 2024

In this paper, we examined the causes of privacy concern and related factors in personalized recommendation service of OTT. On the basis of the 'Big Five Personality model,' we established factors such as agreeableness, neuroticism, conscientiousness, extraversion, and openness to experience. Additionally, we established factors such as accuracy, diversity, and novelty of OTT recommendation's services, and perceived transparency. we analyzed the relationship between privacy concern, service benefit, and intention to give personal information. Finally, we analyzed the mediating effect of service benefits on the relationship between privacy concern and intention to give personal information. The results of this study showed that (1) neuroticism, extraversion and openness to experience had the significant effects on privacy concerns, (2) perceived transparency had the significant effects on privacy concern, 3) privacy concern and service benefit had the significant effect on intention to give personal information, and (4) as a result of multi-group analysis towards low and high groups to verify the moderating effect by service benefits, a significant difference was observed between privacy concern and intention to give personal information. The findings of the study are expected to help the OTT firms' understanding towards users' privacy protection behaviors.

• Journal of Digital Convergence
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• v.10 no.9
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• pp.281-287
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• 2012

This study covered the Korean consumers' Luxury Purchase Motivation and benefit factors associated with the consumption behavior. Causal structural relationships between these variables were examined. Examined for the preceding literature on the basis of an analysis of the factor structure of Korean luxury purchase motivation factors and use benefits for Luxury of purchasing to help any relationship whether these factors were confirmed. Firstly, the results confirm the relevance luxury purchase motivations and benefits among the factors, materialistic motives, the economic benefits and practical benefits factors had a positive impact. Personal benefits and social benefits, and cost-benefit factors had a positive impact on the psychological motives. Secondly, the luxury of buying does not have a significant effect on the material motives. The other hand, had a positive effect on psychological motives. Third, the benefits of relevant factors on the purchase of luxury used. Personal factors, economic and practical benefits, they did not have a significant impact. Social benefit factors had a negative impact. Finally mediated side effects among these factors was confirmed. Only psychological motives mediating effects on factors of social benefits through the purchase of crazy. The results of this study to describe the consumer luxury purchasing behavior on buying behavior, as well as a simple linear relationship between the factors for the benefits to be gained by using luxury purchase motivation indirectly explained the process for luxury marketers in the future, and psychological characteristics offered to consider the implications.

• Journal of the Korean Society of Clothing and Textiles
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• v.43 no.5
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• pp.699-710
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• 2019

This study focuses on social norms and perceived benefits that are expected to lead to purchase fashion goods selling by social enterprises that can help guide the establishment of effective sales strategies for social enterprises. The relationships among two social norms (injunctive norms and descriptive norms), three perceived benefits (cause benefits, psychological benefits, and social image benefits), and purchase intention were investigated respectively. Data were collected via an online web survey and 11 hypotheses were statistically tested by using PLS-SEM analysis. Purchase intention toward the fashion products of social enterprises was influenced by four antecedent variables (injunctive and descriptive norms, cause and psychological benefits) excluding only social image benefits. However, descriptive norms only affected psychological benefits while injunctive norms only affected social image benefits. The findings suggest that the owners or marketers of social enterprises need to create a social atmosphere in which more consumers buy the fashion goods for social enterprises and emphasize consumers' psychological benefits that they feel mentally more comfortable by purchasing the fashion goods of social enterprises.