• Title/Summary/Keyword: E-Payment

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The effect of the decision to use innovative services on the choice of consumers with a risk-averse tendency (혁신 서비스 이용 결정이 위험회피 성향 소비자의 선택에 미치는 영향)

  • Park, Kikyoung
    • Journal of Service Research and Studies
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    • v.13 no.2
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    • pp.146-160
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    • 2023
  • The spread of non-face-to-face services due to the COVID-19 pandemic has brought many changes in consumers' purchasing behavior and attracted much attention to new services. Could trying new services caused by this sudden environmental change alter consumers's choice patterns? This study proposes the research question of whether these new service experiences can change consumers' existing choice behavior, especially for risk-averse consumers who maintain their existing choice behavior or prefer safe alternatives. In this study, we examined whether trying out an unmanned payment services, one of innovative services that emerged after the pandemic crisis, can change the existing choice behavior of risk-averse consumers, i.e., make them more likely to prefer risky alternatives to safe alternatives. To accomplish these research goals, this research conducted one pilot survey and one study. The results of pilot survey showed that the stronger the prevention-focus tendency, the lower the self-efficacy to use the innovative service, with a negative relationship between them. Based on these findings, the study used an experimental method to examine the interaction effects between the use of innovation services and consumers' regulatory focus in a choice behavior and to explore the psychological mechanisms behind them. According to the results, it is found that prevention-focused consumers were more likely to choose risky alternatives and dissimilar extended brands following a trial of an unmanned payment service compared to not using that service. In contrast, promotion-focused consumers did not show different choice patterns regardless of following a trial of an innovative service. Furthermore, these results for prevention-focused consumers confirm the role of self-efficacy as a psychological mechanism. These findings shed light on the role of self-efficacy which has discussed in positive psychology into marketing area. Moreover, practical and academic implications are suggested by the finding that behavioral change occurs in risk-averse consumers, who are known to be hesitant to try new behaviors, indicating market expansion related to potential consumers for the use of the innovation services.

An Approach to Enhance the Unfair Area in the Rural Landscape (농촌 조건불리지역의 경관개선을 위한 접근)

  • Jang, Gab-Sue;Park, In-Hwan
    • Journal of the Korean Institute of Landscape Architecture
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    • v.36 no.2
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    • pp.60-68
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    • 2008
  • Three land-use limitations including water hazard, soil erosion and fallow potential were evaluated to define an unfair area. Landscape indices in the unfair areas, defined by evaluations before and after landscape enhancement, were computed by Fragstats v3.3 and compared in order to propose a landscape enhancement plan. The results are as follows: First, as a result of the land evaluation, 388.56ha was analyzed for the 1st class(S1), 623.25ha for the 2nd class(S2), 138.08ha(S3s: 82.47ha, S3e: 51.88ha) for the 3rd class(S3), 230.44ha(N1w: 194.91ha, N1e: 23.09ha, N1es: 13.94ha) for the 4th class(N1), and 67.91ha(N2w: 60. 89ha, N2es: 7.02ha) for the 5th class(N2). The classes under the 3rd class(including the 3rd class) were determined as an unfair area, and proposed landscape enhancement for them. Second, it was proposed that unfair areas with potential water hazards(N1 w, N2w) be restored as a wetland and buffer zone. At this point, the farmers owning these fields could be compensated using the direct payment for landscape conservation(DPLC). Areas witha relatively lower slope(S3e) or a steep slope(N1e) containing soil erodibility potential were proposed to be restored as a sod-culture-applied field and substitute vegetation or potentially natural vegetation, respectively. The unfair areas having fallow potential(S3s, N1es, N2es) were proposed to apply special use crops for the S3s fields, native plants for the N1es fields, and intended fallow for the N2es fields. Third, after landscape enhancement, theforest had higher values in the indices of NP, PLAND, LSI, IJI, and TCA, while paddy and upland had lower values in most indices except NP and LSI. The forest patches increased and were more plentiful with their restoration and had much greater possibility to join with nearby patches. With continued restoration, forest patches will have a large core area and small number of patches due to the conglomeration of patches, which positively influences the species of diversity in the forest patches.

Detecting Protest Responses (지불거부응답의 판별)

  • OH, Hyungna
    • KDI Journal of Economic Policy
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    • v.34 no.1
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    • pp.135-168
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    • 2012
  • This study analyzes ways to detect protest responses (hereafter, PR zero-bid) in the contingent valuation method (CVM). In order to distinguish PR zero-bids from true zero-bids (non-PR zero bids), this study adopts the concept of the implicit willingness to pay employing the Hicksian compensating surplus and the Taylor's 1st order approximation. When a respondent proposes a zero-bid (i.e., WTP=0) and chooses a PR filtering item to indicate that her implicit WTP is not necessary zero, her response is identified as a PR zero bid. PR filtering items falling into the PR zero bids category include the uncertainty of information, distrust in the government and project achievement, disagreement to project plans, discontent with the fairness of public works and their payment method and animosity against the CVM itself. The empirical analysis shows that PR zero bids take place systematically in particular respondent groups: respondents who have never used similar facilities before nor plans to use the facility provided by the public project, the employed, and low income groups. In conclusion, the study suggests that a CVM questionnaire needs to be designed carefully to minimize problems associated with PR zero bids and the potential risks of having sample selection bias should be concerned.

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A Study on Bridge Construction Risk Analysis for Third-Party Damage (교량공사 제3자 피해 손실에 의한 리스크 분석 연구)

  • Ahn, Sung-Jin;Nam, Kyung-Yong
    • Journal of the Korea Institute of Building Construction
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    • v.20 no.2
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    • pp.137-145
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    • 2020
  • The recent bridge construction projects demand thorough and systematic safety and risk management, due to the increase of risk factors following the introduction of new and complex construction methods and technologies. Among many types of damages that can occur in bridge construction projects, the damages to third parties who are not directly related to the existing property of the contractor construction project can also bring about critical loss in the project in order to compensate the damages. Therefore, risks that could be caused by the loss occurred to indemnify the third party damages should be clearly analyzed, although there are not subsequent amount of studies focusing on the issue. Based on the past record of insurance payment from domestic insurance companies for bridge construction projects, this study aimed to analyze the risk factors of bridge construction for loss caused to compensate the third-party damages happened in actual bridge construction projects and to develop a quantified and numerical predictive loss model. In order to develop the model, the loss ratio was selected as the dependent variable; and among many analyzed independent variables, the superstructure, foundation, flood, and ranking of contractors were the four significant risk factor variables that affect the loss ratio. The results produced can be used as an essential guidance for balanced risk assessment, supplementing the existing analysis on material losses in bridge construction projects by taking into account the third-party damage and losses.

The Effect of Business Relationships on Conflict and Satisfaction in the Cosmetics Industry's Distribution Channel (코스메틱 산업에서의 유통경로상 거래관계가 갈등과 관계만족에 미치는 영향)

  • Park, Soo-Hong;Yang, Hoe-Chang;Sun, Il-Suck
    • Journal of Distribution Science
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    • v.13 no.6
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    • pp.79-86
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    • 2015
  • Purpose - The cosmetics industry is a traditional high value-added industry in terms of the domestic demand, small batch production systems, exclusive competition, and raw materials highly dependent on overseas countries as well as an oligopolistic market structure. However, new foreign brands and growing consumer awareness of inexpensive products, has triggered a shift. In line with changing lifestyles and the polarization of consumption, the industry faces a new market structure. Among its key characteristics is the cosmetics industry's numerous distribution channels (i.e., department stores, door-to-door sales, online shopping malls, brand shops, and discount stores). Therefore, the study of its distribution channels is essential. Research design, data, and methodology - The study analyzed channel distribution power divided into coercive and non-coercive power. The factors of coercive power included: unilateral request of an increase in commissions, interference in sales by taking advantage of a superior status, unilateral buck-passing at the time of a problem, unilateral request to stop sales activities, and a unilateral business contract; the factors of non-coercive power included favorable payment conditions, offers of various kinds of information, policy on commission reduction, pride in market entrance, and promotion support. In addition, the mediating variable "interdependence" was applied to the execution of department store (or mart) power and their shop conflicts and satisfaction to examine direct and indirect influential power. The methodology was a survey of managers of cosmetics shops in department stores (or marts). The questionnaire, based on a five-point Likert scale, included questions about basic personal information, execution of power, interdependence, conflict, and satisfaction. The study distributed 198 questionnaires and collected 131. Ten questionnaires with missing or hard to analyze data were excluded. Thus, 121 copies were analyzed. Results - According to the analysis, the execution of coercive power by department stores (or marts) did not affect interdependence, but the execution of non-coercive power did. Interdependence did not influence conflict, but did affect satisfaction. Additionally, the analysis revealed direct influential power: the execution of coercive power positively affected conflict and negatively influenced satisfaction; the execution of non-coercive power positively affected satisfaction. Conclusions - To offer suggestions for distribution business relations in the cosmetics industry, this study investigated how the execution of power by department stores (or marts) affected their shops. More specifically, it examined how much the execution of both coercive power and non-coercive power influenced conflict and satisfaction, and analyzed the mediating role of interdependence. In line with previous study results in various areas, coercive power was shown to be the source of conflict, leading to a decrease in satisfaction, whereas non-coercive power significantly positively influenced satisfaction. Moreover, non-coercive power increased interdependence, which led to greater satisfaction. As a result, interdependence had a mediating effect on non-coercive power and satisfaction. Based on the results, department stores (or marts) should look for improvements plans that increase interdependence. Such plans could alleviate conflict with the shops, increasing their satisfaction.

A Study on the Quantitative Risk Assessment of Bridge Construction Projects (교량 공사 프로젝트의 정량적 리스크 평가에 관한 연구)

  • Ahn, Sung-Jin
    • Journal of the Korea Institute of Building Construction
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    • v.20 no.1
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    • pp.83-91
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    • 2020
  • The recent bridge construction projects is demanded more sophisticated risk management measures and loss forecasts to brace for risk losses from an increase in the trend of bridge construction. This study aims to analyze the risk factors that caused the loss of material in actual bridge construction and to develop a quantified predictive loss model, based on the past record of insurance payment by major domestic insurance companies for bridge construction projects. For the development of quantitative bridge construction loss model, the dependent variable was selected as the loss ratio, i.e., the ratio of insurance payout divided by the total project cost, while the independent variable adopted 1) Technical factors: superstructure type, foundation type, construction method, and bridge length 2) Natural hazards: typhoon and flood 3) Project information: construction period and total project cost. Among the selected independent variables, superstructure type, construction method, and project period were shown to affect the ratio of bridge construction losses. The results of this study can provide government agencies, bridge construction design and construction and insurance companies with the quantitative damage prediction and risk assessment services, using risk indicators and loss prediction functions derived from the findings of this study and can be used as a guideline for future basic bridge risk assessment development research.

A study on job-satisfaction and Turn-over(Transferability) of Dental Technicians in Korea (한국 치과기공사의 직무만족과 직장이동에 관한 연구)

  • Lim, Byung-Chul
    • Journal of Technologic Dentistry
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    • v.11 no.1
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    • pp.71-81
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    • 1989
  • This study was aimed for bettering productivity and technical level of the dental 1 aboratory, and helping the dental technician's benefits and rights, and then endowing them some belonged atmospher and stability on their post by Improving job- satisfaction and maintaining the transferability of one's post at a proper limitation. Therefore, 320 dental technicians extracted randomly from all the technicians working at 494 dental laboratories were subjected for this study. The approach to the study was a way through some postal questionaires executed from March 29, 1988 until May 4, the same year, in which total 254 technicians answered, showing 79% resp"nserate. responserate. The data-analysis was done by a model of the dental technician's transferability from their post, as considering Mobley's(1978)-model of post-transferability, and results through the study are as follows : 1. Satisfaction at a given post showed that the married is better than the unmarried(<0.05), and the experienced is better than the inexperienced(P<0.01). 2. Age, sex, educational experience, and one's service-duration did not affect significantly to the respondent's satisfaction on their post, statistically. 3. Satisfaction at a given post differed in adccordance with given conditions of one's post, i. e.,it stowed high when the monthly payment was good(P<0.05), and when too much duty on their job was given, it was the worst as shown in an example of the next order, too much

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A Review on End-of-life Care System between South Korea and the United States (한국과 미국의 생애말기케어 시스템 비교 연구)

  • Choi, Ji-Won;Rhee, YongJoo
    • Journal of Digital Convergence
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    • v.17 no.9
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    • pp.301-310
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    • 2019
  • This study aims to examine eligibilities, services and delivery of services for the current end-of-life care and analyze the quality control of services for end-of-life care. We analyzed the literature and laws on end-of-life systems in Korean and the United States. Current end-of-life care, hospice and palliative care in Korea is being provided mainly in hospital setting. Quality control for the services focuses on setting the criteria for structures in hospitals (i.e. staffing, facilities and equipment). Whereas American end-of-life care system has much broader eligibility for service beneficiaries and provides care mostly at home. Also quality control for services includes process (delivering service) and outcomes, such as monitoring performance indicators and consumer's satisfaction. This is linked to annual payment. The comparative analysis findings contributed to give the next direction of current Korean end-of-life care system. It is nessary to establish the better and extensive end-of-life care system in Korea in considering other countries' end-of-life care systems based on more future research.

An Empirical Study on the Driving Force for Diffusion of Surrender B/L as an International Trade Payment Document (무역결제서류로서 Surrender B/L의 확산 동인에 관한 실증연구)

  • Hye-Young Joo;Byoung-Boo You
    • Korea Trade Review
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    • v.48 no.2
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    • pp.153-174
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    • 2023
  • Electronic bill of lading, Letter of Guarantee, Surrender B/L, Seaway Bill, etc. have been proposed as alternative tools to overcome the crisis of bill of lading, but the most useful of these is by far the Surrender B/L. However, since the Surrender B/L has various problems due to the absence of a legal basis, studies so far have been conducted focusing on these legal limitations or problems in use of the Surrender B/L. This study tried to empirically identify the factors that affect the spread of Surrender B/L by expanding this point of research view. A hierarchical regression analysis was conducted by acquiring 190 valid samples centered on member companies of the Korea International Freight Forwarders Association. In addition, the R program was used to diagnose the research data and analyze the degree of spread by region. As a result of the empirical analysis, it was found that the utilization of Surrender B/L increased due to the convenience and cost reduction effect of Surrender B/L and the apprenticeship training of forwarding companies. In addition, as a result of regional analysis, the spread of Surrender B/L was notable not only in neighboring regions but also even in areas far from Korea.

A Study on the Passengers liability of the Carrier on the Montreal Convention (몬트리올협약상의 항공여객운송인의 책임(Air Carrier's Liability for Passenger on Montreal Convention 1999))

  • Kim, Jong-Bok
    • The Korean Journal of Air & Space Law and Policy
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    • v.23 no.2
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    • pp.31-66
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    • 2008
  • Until Montreal Convention was established in 1999, the Warsaw System is undoubtedly accepted private international air law treaty and has played major role on the carrier's liability in international aviation transport industry. But the whole Warsaw System, though it was revised many times to meet the rapid developments of the aviation transport industry, is so complicated, tangled and outdated. This thesis, therefore, aim to introduce the Montreal Convention by interpreting it as a new legal instrument on the air carrier's liability, specially on the passenger's, and analyzing all the issues relating to it. The Montreal Convention markedly changed the rules governing international carriage by air. The Montreal Convention has modernized and consolidated the old Warsaw System of international instruments of private international air law into one legal instrument. One of the most significant features of the Montreal Convention is that it sifted its priority to the protection of the interest of the consumers from the protection of the carrier which originally the Warsaw Convention intended to protect the fledgling international air transport business. Two major features of the Montreal Convention adopts are the Two-tier Liability System and the Fifth Jurisdiction. In case of death or bodily injury to passengers, the Montreal Convention introduces a two-tier liability system. The first tier includes strict liability up to 100,000SDR, irrespective of carriers' fault. The second tier is based on presumption of fault of carrier and has no limit of liability. Regarding Jurisdiction, the Montreal Convention expands upon the four jurisdiction in which the carrier could be sued by adding a fifth jurisdiction, i.e., a passenger can bring suit in a country in which he or she has their permanent and principal residence and in which the carrier provides a services for the carriage of passengers by either its own aircraft or through a commercial agreement. Other features are introducing the advance payment, electronic ticketing, compulsory insurance and regulation on the contracting and actual carrier etc. As we see some major features of the Montreal Convention, the Convention heralds the single biggest change in the international aviation liability and there can be no doubt it will prevail the international aviation transport world in the future. Our government signed this Convention on 20th Sep. 2007 and it came into effect on 29th Dec. 2007 domestically. Thus, it was recognized that domestic carriers can adequately and independently manage the change of risks of liability. I, therefore, would like to suggest our country's aviation industry including newly-born low cost carrier prepare some countermeasures domestically that are necessary to the enforcement of the Convention.

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