• 유통과학연구
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• 제18권10호
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• pp.89-99
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• 2020

Purpose: There has been a growing focus on E-wallet adoption especially in emerging markets as it offers a convenient method for users to conduct cashless transactions. This study examines antecedents influencing the decision of Generation Z to adopt E-wallet. It looks into the effect of determining factors including compatibility, perceived convenience, perceived trust, perceived reputation, perceived usefulness, perceived ease of use and social influence on users' intention to use. The moderator role of social influence is also under examination. Research design, data and methodology: The quantitative method has been adopted to collect data from 170 Generation Z users. SmartPLS 3.0 was applied to examine the constructed hypotheses. Results: The results indicate an indirect effect between Compatibility, Perceived Ease of Use, Perceived Trust and Social Influence toward intention to adopt Electronic wallet, or both of those factors are mediated by Perceived Convenience, Perceived Usefulness, and Reputation. Moreover, research finding highlights the role of Perceived Usefulness as Generation Z's intention determinant to use E-Wallet. Conclusions: This study is substantial as it selected the promising customer segment - Generation Z to examine the factors influencing their decision to adopt Electronic wallet. Marketers can navigate which dimensions should be included in marketing campaigns to encourage Generation Z's adoption.

• Human Ecology Research
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• 제57권1호
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• pp.1-13
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• 2019

Internet-based financial services are being increasingly integrated into consumers' daily lives. Internet-only banks have emerged as a powerful tool accelerating financial inclusion. This study investigates the satisfaction and continuous use intention predictors for Internet-only banks. We employed an extended post-acceptance model and used six antecedent factors that included perceived usefulness, perceived ease of use, privacy risk, functional risk, subjective norms, and network externality. All 351 participants used Internet-only banks and were 20-40 years of age. A self-administration online survey was conducted. SPSS 23.0 analyzed the frequency, description, and multiple regression analysis. The results of current study are as follows. The education, perceived usefulness, perceived ease of use, and network externality positively influenced the satisfaction of Internet-only banks. Privacy risk negatively influenced satisfaction with Internet-only banks. Perceived ease of use, subjective norm, network externality, and satisfaction positively influenced the continuous use intention of Internet-only banks. The results of our study provide a better explanation of important factors that could enhance the understanding of satisfaction and continuous use intention for Internet-only banks. Furthermore, this study extends the antecedent variables to the knowledge of financial services and enlarges the understanding of users' post-adoption behaviors.

• 한국IT서비스학회지
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• 제13권4호
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• pp.255-273
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• 2014

The widespread use of smart phones and smart pads has given rise to the use of eBook services based on these smart devices. Consequently, the size of eBook services has exploded both in the domestic as well as overseas market. However, the growth curve becomes flatter than before, and the adoption rate is still not high in Korea. Hence, this study explores the factors affecting the intention to use eBook services based on smart devices, and their relationships. Finally, we propose an eBook adoption model, which extends the Technology Adoption Model. An online survey was conducted to validate the research model. By applying Partial Least Squares, we found that there are strong relationships among perceived usefulness, perceived ease of use, perceived playfulness, social influence, and intention to use. In addition, we found that smart devices enjoyment positively affects the perceived playfulness of eBooks, and that personal innovativeness positively affects perceived ease of use. Our findings shed some light on how to design eBook services based on smart devices.

• Journal of Information Technology Applications and Management
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• 제19권4호
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• pp.41-59
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• 2012

This study examines the roles of user resistance and social influences on the acceptance and continuous usage of smartphones at different stages of adoption. The respondents were classified into three groups according to their innovation adoption stage : non-user group, the potential user group and the trial user group. Theories relevant to user resistance, social influences including normative social influences and informational social influences, as well as user adoption and continuance behavior were reviewed and integrated into our research model. In order to verify the proposed structured equation model, we conducted an online survey by targeting mobile phone users and collected data to be analyzed through a partial least squares (PLS) test. This study tested whether there exists differences in the effects of user resistance and different types of social influence on user's adoption or continuance intetion among these three groups. The results showed that user resistance exists in all adopter groups and that it has significant negative influences on intention to use a smartphone. The findings also revealed that user resistance can be enhanced or resolved by two types of social influence; informational social influence resolves user resistance regardless of the adopter category, while normative social influence enhances the user resistance of potential users. Furthermore, the findings show that social influence regardless of the type positively affects user intention. Several theoretic and practical implications pertaining to the results are discussed.

• 품질경영학회지
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• 제47권2호
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• pp.367-380
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• 2019

Purpose: The purpose of this study is (1) to empirically examine why laggards resist IT adoption in public service and (2) to investigate the relationship between resistance and negative behavioral intention. Methods: The questionnaire survey was conducted on expressway users who do not use High-pass system. The collected 232 samples were analyzed using structure equation model method with AMOS 22.0. Results: Resistance is found to be a statistically significant factor affecting intention to reject. Also, incompatibility, privacy concern, status quo inertia and relative advantage are found to be statistically significant factors affecting resistance. Conclusion: Laggards have a tendency to intend to reject IT adoption rather than to postpone. They are affected not by monetary, procedural aspect associated with purchasing or registering OBU(On Board Unit). Incompatibility and relative advantage which are inherent attributes of Hi-pass system are more influential factors than privacy concern and status quo inertia. They make ethical and emotional decision partially affected by public-social factors.

• Asia pacific journal of information systems
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• 제33권3호
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• pp.652-676
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• 2023

The objective of this study is to provide a deeper understanding of the factors that lead to the development and adoption of AI-based chatbots. We analyze the structural relationship between the organizational (externalities), systematic (fit), and the consumer-related (psychological) factors and their role in the adoption of AI-based chatbots. Founded on the theories of task-technology fit and network externalities, we present a conceptual model overlooking common perception-based theories (e.g., Technology Acceptance Model). We collected 380 responses from Indian banking consumers to test the model using the PLS-SEM method. Interestingly, the findings present a positive impact of all factors on consumers' intention to adopt AI-based chatbots. However, the interplays between these factors provide a mixed perspective for literature. Apart from employing a combination of factors that have been used to study technology adoption, our study explores the importance of externalities and their relationship with fit factors, a unique outlook often overlooked by prior research. Moreover, we offer a clear understanding of latent variables such as trust, and the intricacies of their interplays in a novel context. Thereby, the study offers implications for literature and practice, followed by future research directions.

• Asia Marketing Journal
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• 제12권3호
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• pp.1-24
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• 2010

본 연구는 혁신적인 모바일 서비스의 사용-확산 관점에서 혁신적인 서비스의 사용량과 사용의 다양성에 사회적 영향력이 어떠한 역할을 하는지 살펴보았다. 본 논문의 연구모형에 포함된 사회적 영향요인은 크게 두 가지인데 이는 네트워크 요인과 상표 동일시이다. 여기서 네트워크 요인은 사회적인 규범과 네트워크 효과를 포괄하는 개념이며, 상표 동일시는 소비자 개인의 자아정체성과 서비스 브랜드와의 일치성을 의미한다. 먼저 네트워크 요인의 경우 모바일 서비스의 사용량에 유의한 영향을 미치는 것으로 확인되었으며, 지속사용의도에도 긍정적인 영향을 미치는 것으로 나타났는데, 서비스 사용의 다양성에는 별 영향을 주지 않는 것으로 나타났다. 상표 동일시의 경우에는 사용량과 사용의 다양성에 모두 유의한 영향을 미치며 지속사용의도에도 긍정적인 효과를 가지는 것으로 나타났다. 본 연구에서 사용한 충성도 지표는 두 가지인데 하나는 모바일 서비스의 지속사용의도이고 또 하나는 상표애호도 즉 상표 전환의도이다. 이 두 가지 변수 중 전자는 서비스 카테고리에 대한 충성도이고 후자는 상표에 대한 충성도인데 서로 다른 의미를 갖는 만큼 연구 결과도 다르게 나왔다. 즉, 모바일 서비스의 사용량과 사용의 다양성은 모두 지속사용의도에 긍정적인 영향을 미쳤으나, 상표 전환의도에의 경우에는 사용량만이 유의한 영향을 주었고 가설과 반대로 사용량이 높을수록 오히려 상표 전환의도가 높아지는 것으로 나타났다. 이는 특정 혁신 서비스를 사용해 본 얼리어답터 고객들이 다양한 사업자의 서비스를 이용해 보고자 하는 니즈가 있음을 보여 준 것으로 이해할 수 있다.

• 대한인간공학회지
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• 제31권5호
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• pp.695-704
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• 2012

Objective: The purpose of this study was to investigate major factors influencing adoption of smartphone to promote its use by older adults. Background: Despite increasing proportion of elderly people and elderly market, the proportion of elderly smartphone user is still relatively small compared to whole smartphone users. Thus, we need to find out major factors influencing adoption of smartphone to increase proportion of elderly smartphone users. Method: Seven major factors were extracted from 36 survey questions using factor analysis. Regression analysis was also applied to determine specific factors affecting intention of use based on user versus non-user of smartphone, age, gender, and educational background. Results: As results of factor analysis and regression analysis, major factors influencing adoption of smartphone for elderly users were significantly different according to gender, age, educational background based on smartphone users or non-users. Conclusion: The result of this study identified major factors influencing adoption of smartphone for the elderly and provided basic information related to adoption of smartphone according to elderly people's characteristics. Consequently, we can expect to reduce the information gap and to improve quality of life for the elderly. Application: The development and marketing strategy could be applied differently based on the factors influencing adoption of smartphone. It is also possible to develop a prediction model for smartphone adoption according to elderly users' characteristics.

• 통상정보연구
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• 제16권3호
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• pp.25-50
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• 2014

본 연구는 중국의 상하이와 광저우에 거주하는 소비자들을 대상으로 성별에 따라 모바일커머스를 수용하는데 영향을 미치는 요인이 무엇이며, 남녀 간 어떠한 차이를 보이는지를 분석하였다. 연구모형은 기존의 합리적 행동이론(TRA), 계획된 행동이론(TPB), 기술수용이론(TAM), 통합기술수용이론(UTAUT) 등과 이후 연구된 후속연구들을 참고한 후 모바일기기의의 속성 중 개별성 및 개인성이 중요하다고 판단하여 감성요인들 위주로 선별하여 설계하였다. 분석결과는 중국 소비자의 모바일커머스 수용의도에 영향을 미치는 요인으로서 지각된 위험, 개인의 혁신성, 모바일기기에 대한 친밀성, 사회적 영향이 모두 통계적으로 유의한 영향을 미치는 것으로 나타났으며, 남녀 집단 간의 차이는 여성이 남성에 비해 지각된 위험, 사회적 영향에 더 민감하게 영향을 받는 것으로 나타났으며, 남성은 모바일기기의 친밀감과 개인의 혁신성에서 유의적인 것으로 나타났다. 이와 같은 연구의 결과는 중국의 소비자에게 있어서 모바일기기가 갖는 개별적이고 개인적 속성으로 인해 어떤 다른 쇼핑채널에서 보다 감성적 요인이 중요하게 작용한다는 것을 의미하는 것이며, 시장세분화의 기본요소로서 남녀 집단 간 차이의 결과는 모바일커머스의 운영에 있어서도 남녀 소비자에게 개별적이고 차별화된 마케팅전략의 수립이 필요하다는 것을 시사하고 있다.

• 한국전자거래학회지
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• 제19권4호
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• pp.205-229
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• 2014

오늘날 지속가능성을 위한 사업 기회 창출을 위해 지속가능한 정보기술에 대한 수용이 사회적으로 미치는 영향에 대한 연구가 절실함에도 불구하고, 환경적 영향 요인 외의 여러 사회적 영향 요인들에 대한 연구는 많이 이루어지지 않았다. 본 연구에서는 지속가능한 웹 기술 환경에서 소비자의 친사회적 행동이 지속가능한 정보기술 수용에 미치는 요인들을 탐구한다. 그리고 지속가능한 정보기술 개념에 대한 이론적 근거는 사회적 교환 이론에 두었다. 이론적 근거를 토대로 지속가능한 웹 서비스 신기술에 대한 소비자들의 사용 의도를 실증적으로 검증하였다. 실증적 연구 결과, 소비자들은 자신들이 웹 기술 서비스의 사회적 책임성과 사회적 유용성을 고려하여 수용 선택을 하는 것으로 나타났다. 본 논문은 지속가능한 정보 기술의 수용에 있어서 해당 기술이 가진 사회적 특성과 영향력을 처음으로 실증적으로 검증한 연구이다. 아울러 지속가능한 정보기술의 초기 도입 단계 수용에서 기술의 사회 책임적 특성과 유용성을 인식하는데 있어 소비자의 친사회적 성향이 중요한 선행 요인으로 작용한다는 것을 본 연구를 통해 밝혔다.