• The Journal of Asian Finance, Economics and Business
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• v.7 no.10
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• pp.897-907
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• 2020

The development of information technology and the demands of society on an application in an operating system, as well as increasing the specifications and sophistication of smartphones, require banks to make changes to their mobile banking applications. The transformation of the mobile banking application into a digital banking application conducted by banks has made users re-evaluate based on their preferences. This study presents the behavior of users of digital banking applications in Yogyakarta, Indonesia. The hypothesis model is based on Technology Acceptance Model (TAM) with additional factors of the social image, perceived risk and perceived trust adopted from Muñoz-Leiva et al. (2017). The methodology in this study includes data collection through questionnaires distributed online and data analysis using the Structural Equation Model. The results of this study illustrate that the perceived trust and perceived risk have a more dominant part in influencing user attitude and user intention to use digital banking. Meanwhile, social image, perceived ease-of-use and perceived usefulness are not significant in influencing user attitude and user intention to use digital banking. The implication of this research helps to determine the right communication and strategy so that more users with more benefits can utilize this digital banking application.

• Knowledge Management Research
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• v.23 no.4
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• pp.91-112
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• 2022

In order to improve the quality of consumption in senior generation, it is necessary to build trust in the digital consumption environment. However, there are limitations from previous researches on consumption in the digital environment that has mainly focused on Millennial and Z generations. Therefore, this study aims to examine the antecedents of digital consumption trust and to explore the market segments of senior generation created by the dynamics of these antecedents. In addition, in order to provide practical implications, we investigate the difference in the level of perceived digital consumption trust using segmentation. This study, therefore, used 2021 Korea's consumer life index data conducted by the Korea Consumer Agency for general consumers, and only consumer data of 60s and older are extracted for the analysis. As a result, we confirm from the main results that the three antecedents, consumer competency, perceived corporate responsibility, and local community's problem-solving environment, are significant in building the digital consumption trust in the senior generation. It is academically significant in this aspect to look at approaches to improve senior customers' trust in digital consumption circumstances by dividing generations because generations exhibit varying levels of understanding of online consumption or digital consumption conditions. It is academically significant in this aspect to look at approaches to improve senior customers' trust in digital consumption circumstances by dividing generations because generations exhibit varying levels of understanding of online consumption or digital consumption conditions. Additionally, it is proposed as a practical implication that it should be managed so that significant improvements of customers, businesses, and regional public institutions are developed in order to allow the senior consumers to prepare trusted digital consumption circumstances.

• Journal of Digital Convergence
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• v.9 no.3
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• pp.145-163
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• 2011

This study aims to mediating effects of trust on the relationships between R&D organizational culture and organizational- performance. Additionally, This study is to examine the impact of R&D organizational culture to organizational performance. The findings are as follows : First, R&D organizational culture had a significant positive effects on the organizational performance. Second, the mediating effects of trust had a significant effects on all relationships. The means that attaining trust contribute to member's attitude and organization performance, therefore supervisor should make efforts to maintain and enhance trust in organization.

• Journal of Digital Convergence
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• v.11 no.8
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• pp.159-173
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• 2013

The purpose of this study examines the relationship among private brand value, brand trust, brand attitude and brand loyalty. Theoretical studies and the current study indicate that private brand loyalty is influenced by brand value, brand trust, and brand attitude. Through the empirical survey undertaken for this study, it was found that emotional value, social value, functional value, and brand trust including brand attitude influence brand loyalty. The results of empirical analysis can be summarized by the following: First, private brand value had a significant direct effect on brand trust and brand attitude. Second, emotional value and functional value had a positive effect on brand trust and brand attitude. Further, social value had a significant direct effect on brand attitude. And social value had a significant indirect effect on brand attitude through brand trust. Third, brand trust had a significant direct effect on brand attitude. And brand trust had a significant indirect effect on brand loyalty through brand attitude. Fourth, brand attitude had a positive effect on brand loyalty. Therefore, These finding will spawn both academic and practitioner interest in the private brand value and serve as a foundation for further research in this important area.

• The Journal of the Korea Contents Association
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• v.1 no.1
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• pp.93-99
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• 2001

The widespread use of the Internet brings about the issue regarding intellectual property and copyright. This paper describes DRM (Digital Rights Management) technologies and their related issues. Current approaches on DRM architecture are examined first. Based on the review, we discuss some security issues that would be essential to design security mood and architecture appropriate for DRM. Having these security issues in mind, we propose a new approach on DRM security architecture, based on our trust model.

• Journal of Digital Convergence
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• v.6 no.1
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• pp.75-82
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• 2008

This paper is aimed to exam factors in the perceived service quality of web portal site and to analyze their effects on customer satisfaction. And this paper analysis satisfaction effects on revisit intention. To accomplish this purpose, this study examined previous studies and summarized core factors of service quality. Form literature survey, we drawn core factors. They are convenience, technologies, valuable of contents and service, communication, positioning. These core factors will affect on customer trust, satisfaction and satisfaction will affect on revisit intention. This study examined previous studies and summarized core factor in perceived service quality of web portal site. Fourteenth hypothesis were developed. Data for empirical testing were collected through survey to portal sites user. The results of this study are as follows; First, we find that service, communication and positioning have positive influence on the trust. Second, convenience, valuable of contents and postioning factors have a positive influence on the satisfaction. Third, it is shown that satisfaction have a positive influence on the revisit intention.

• Journal of Digital Convergence
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• v.7 no.1
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• pp.99-109
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• 2009

Recently, many enterprises are interest in implementing Radio Frequency IDentification (RFID). However, they have some difficulty in implementing RFID because of incompleteness of RFID technology and uncertainty of Return on Investment (ROI). Even though usefulness of RFID are recognized, many enterprises are just interested in planning of RFID rather than implementation of RFID. Among successful factors of RFID implementation, Information Technology (IT) capability is the most important one. If enterprises have systematic IT capability, it would make positive attitude to implement RFID. In addition, it will provide trust about RFID and promote adoption of RFID implementation. This study, therefore, empirically analyzed the relationships of trust, attitude, IT capability, and intention to RFID adoption using Partial Least Squares (PLS) approach. The result show useful guidelines and practical implication in implementing RFID.

• Journal of Digital Convergence
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• v.12 no.7
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• pp.147-157
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• 2014

This study investigated creative behavior, one of organizational effectiveness, needed to survive in the rapidly changing circumstances. So, transformational leadership was setting as independent variables consist of ideal influence, intellectual stimulus and individual consideration, and affect-based trust and cognition-based trust was setting as mediating variables. For this study, 211 of the respondent, who are attending various companies, answered this questionnaire. This study shows that ideal influence, intellectual consideration and individual consideration of transformational leadership have positive(+) direct impact to creative behavior, and in affect-based trust, transformational leadership has impact on the creative behavior, as fully positive(+) mediating effects. In cognition-based trust, trust has impact partly as mediating effects. Namely, transformational leadership is based on affect-based trust will be heightened after all creative behavior. Impact of control variables is more larger in man, under 30 age, public workers.

• Journal of Digital Convergence
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• v.12 no.2
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• pp.211-221
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• 2014

The study aims to estimate the determinants of policyholder's trust for the Chinese insurance industry by structural equation model. In particular, differences in determinants of trust among Chinese life insurance and auto insurance were derived from the latent mean and multi group analysis. The result shows the most effective determinants of trust were honesty, followed by credibility which shows the compensation ability of insurance company. However, benevolence is not influence statistically on the determinants of trust of both life insurance and auto insurance. Moreover, the policyholder's trust for the insurance industry was later extended to relationship commitment such as renewal and recommendation intentions. Especially, the linkage between the level of trust and relationship commitment was the strongest in life insurance than auto insurance. Even though the result is differ based on types of insurance, in order for the insurance industry to grow stably it is importance to get trust from policyholder.

• Journal of Digital Convergence
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• v.20 no.4
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• pp.235-245
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• 2022

This study confirmed the effects of leaders' behavioral integrity on organizational members' voice behavior. It verified whether trust in leaders mediates behavioral integrity and voice behavior and ascertained the moderating effect of members' psychological safety on trust in leaders and members' voice behavior through leaders' behavioral integrity. It targeted organizational members in the service industry, including insurance, securities, banks, consulting, and credit card companies, with a questionnaire survey carried out with 424 response copies. The study results confirmed a significant and positive effect of leaders' behavioral integrity on trust in leaders and voice behaviors. Second, trust in leaders was found to mediate between leaders' behavioral integrity and members' voice behavior. Third, members' psychological safety had a moderating effect on trust in leaders and members' voice behavior. When psychological safety was higher than average, there was a moderated mediating effect of psychological safety in the behavioral integrity on voice behavior with trust mediation in leaders. Therefore, this study has significance in that it was determined that trust in leaders and the psychological safety of the members are essential for leaders' behavioral integrity to enhance members' voice behavior.