• Title/Summary/Keyword: Identification-based trust

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The Role of Control Transparency and Outcome Feedback on Security Protection in Online Banking (계좌 이용 과정과 결과의 투명성이 온라인 뱅킹 이용자의 보안 인식에 미치는 영향)

  • Lee, Un-Kon;Choi, Ji Eun;Lee, Ho Geun
    • Information Systems Review
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    • v.14 no.3
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    • pp.75-97
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    • 2012
  • Fostering trusting belief in financial transactions is a challenging task in Internet banking services. Authenticated Certificate had been regarded as an effective method to guarantee the trusting belief for online transactions. However, previous research claimed that this method has some loopholes for such abusers as hackers, who intend to attack the financial accounts of innocent transactors in Internet. Two types of methods have been suggested as alternatives for securing user identification and activity in online financial services. Control transparency uses information over the transaction process to verify and to control the transactions. Outcome feedback, which refers to the specific information about exchange outcomes, provides information over final transaction results. By using these two methods, financial service providers can send signals to involved parties about the robustness of their security mechanisms. These two methods-control transparency and outcome feedback-have been widely used in the IS field to enhance the quality of IS services. In this research, we intend to verify that these two methods can also be used to reduce risks and to increase the security protections in online banking services. The purpose of this paper is to empirically test the effects of the control transparency and the outcome feedback on the risk perceptions in Internet banking services. Our assumption is that these two methods-control transparency and outcome feedback-can reduce perceived risks involved with online financial transactions, while increasing perceived trust over financial service providers. These changes in user attitudes can increase the level of user satisfactions, which may lead to the increased user loyalty as well as users' willingness to pay for the financial transactions. Previous research in IS suggested that the increased level of transparency on the process and the result of transactions can enhance the information quality and decision quality of IS users. Transparency helps IS users to acquire the information needed to control the transaction counterpart and thus to complete transaction successfully. It is also argued that transparency can reduce the perceived transaction risks in IS usage. Many IS researchers also argued that the trust can be generated by the institutional mechanisms. Trusting belief refers to the truster's belief for the trustee to have attributes for being beneficial to the truster. Institution-based trust plays an important role to enhance the probability of achieving a successful outcome. When a transactor regards the conditions crucial for the transaction success, he or she considers the condition providers as trustful, and thus eventually trust the others involved with such condition providers. In this process, transparency helps the transactor complete the transaction successfully. Through the investigation of these studies, we expect that the control transparency and outcome feedback can reduce the risk perception on transaction and enhance the trust with the service provider. Based on a theoretical framework of transparency and institution-based trust, we propose and test a research model by evaluating research hypotheses. We have conducted a laboratory experiment in order to validate our research model. Since the transparency artifact(control transparency and outcome feedback) is not yet adopted in online banking services, the general survey method could not be employed to verify our research model. We collected data from 138 experiment subjects who had experiences with online banking services. PLS is used to analyze the experiment data. The measurement model confirms that our data set has appropriate convergent and discriminant validity. The results of testing the structural model indicate that control transparency significantly enhances the trust and significantly reduces the risk perception of online banking users. The result also suggested that the outcome feedback significantly enhances the trust of users. We have found that the reduced risk and the increased trust level significantly improve the level of service satisfaction. The increased satisfaction finally leads to the increased loyalty and willingness to pay for the financial services.

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Self-Sovereign Identity (SSI): Structured Literature Reviews with Socio-Technical Perspective (Self-Sovereign Identity (SSI: 자기주권신원) 연구 동향 분석: 사회경제, 법률, 기술적 고찰을 중심으로)

  • Son, Young Jin;Park, Min Jung;Park, Jung Suk;Hwang, Hwa Jung;Chai, Sang Mi
    • The Journal of Information Systems
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    • v.30 no.4
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    • pp.119-152
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    • 2021
  • The concept of Self-Sovereign Identity (SSI) has emerged to overcome the limitations of traditional centralized personal identity management systems in our society. Therefore, in this study, 36 seminal researches out of 112 collected studies were investigated with a systematic literature review method to deliver a core common definition as well as the research trends on SSI in the socioeconomic, legal and technological fields. SSI studies in the legal field have mainly considered the conflicts with relevant laws such as General Data Protection Regulation (GDPR) and privacy protection laws. The study of SSI in the technology field have looked at the trends of the technical components to implement SSI and discussed the necessities of establishing standards to increase interoperability for SSI diffusion worldwide. This study ultimately derived the core definition of SSI from a various academic fields as "a trust-based personal identity management system that enables autonomous self-identification by a identity owner without a centralized system or 3rd party intervention". The results of this study contribute to the understanding of the essential SSI concept which were varied on different research fields and industries. The results also provide a foundation for discovering various SSI-based business models, applications as well as future research opportunities. Furthermore, this study suggested that SSI must be developed with interdisciplinary manner among the socioeconomic, legal, and technological fields to be practically applicable system to enable autonomous self-identification by a identity owner in our society.

A Study on the Supply Chain Partnership for SCM - Focusing on Apparel Companies and Outsourcing Suppliers - (의류업계의 SCM을 위한 공급 사슬 파트너십에 관한 연구 - 의류 업체와 완제품 아웃소싱 공급 업체를 중심으로 -)

  • Rhee, Byung-Ju
    • The Research Journal of the Costume Culture
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    • v.16 no.1
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    • pp.181-203
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    • 2008
  • This study suggests a model to identify relationships between Supply Chain Partnership(SCP) and the performance of Supply Chain Management(SCM) based on apparel companies and outsourcing suppliers of finished products that are in a position of getting into Supply Chain Level on apparel industry. This research model is based on an integrated model including a relationship between relationship formation factors and partnership strengthening factors in SCP; and supply chain performance a result of that relationship. The formation factors of SCP affect emotional elements(trust, commitment) of strengthening factors, and they, in turn, impact the performance of a supply chain through behavioral elements(collaboration, information sharing)16 hypotheses were formulated to research the degree of impact of SCP on supply chain performance. Theoretical and empirical research was executed in parallel to achieve the objectives of this study. Empirical research involved a research methodology using surveys. Survey target audiences were limited to designers and merchandisers over five years of experience with apparel companies and outsourcing suppliers for finished products operating mainly in Korea. SPSS 12.0 for Windows and AMOS 5.0 were used for data and statistical analysis. Reviewing the result of research model and identification of each hypothesis, total 11 from 16 hypotheses set by this research were selected, 5 hypotheses were dropped, and 4 meaningful paths were added.

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Electronic Word-of-Mouth in B2C Virtual Communities: An Empirical Study from CTrip.com (B2C허의사구중적전자구비(B2C虚拟社区中的电子口碑): 관우휴정려유망적실증연구(关于携程旅游网的实证研究))

  • Li, Guoxin;Elliot, Statia;Choi, Chris
    • Journal of Global Scholars of Marketing Science
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    • v.20 no.3
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    • pp.262-268
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    • 2010
  • Virtual communities (VCs) have developed rapidly, with more and more people participating in them to exchange information and opinions. A virtual community is a group of people who may or may not meet one another face to face, and who exchange words and ideas through the mediation of computer bulletin boards and networks. A business-to-consumer virtual community (B2CVC) is a commercial group that creates a trustworthy environment intended to motivate consumers to be more willing to buy from an online store. B2CVCs create a social atmosphere through information contribution such as recommendations, reviews, and ratings of buyers and sellers. Although the importance of B2CVCs has been recognized, few studies have been conducted to examine members' word-of-mouth behavior within these communities. This study proposes a model of involvement, statistics, trust, "stickiness," and word-of-mouth in a B2CVC and explores the relationships among these elements based on empirical data. The objectives are threefold: (i) to empirically test a B2CVC model that integrates measures of beliefs, attitudes, and behaviors; (ii) to better understand the nature of these relationships, specifically through word-of-mouth as a measure of revenue generation; and (iii) to better understand the role of stickiness of B2CVC in CRM marketing. The model incorporates three key elements concerning community members: (i) their beliefs, measured in terms of their involvement assessment; (ii) their attitudes, measured in terms of their satisfaction and trust; and, (iii) their behavior, measured in terms of site stickiness and their word-of-mouth. Involvement is considered the motivation for consumers to participate in a virtual community. For B2CVC members, information searching and posting have been proposed as the main purpose for their involvement. Satisfaction has been reviewed as an important indicator of a member's overall community evaluation, and conceptualized by different levels of member interactions with their VC. The formation and expansion of a VC depends on the willingness of members to share information and services. Researchers have found that trust is a core component facilitating the anonymous interaction in VCs and e-commerce, and therefore trust-building in VCs has been a common research topic. It is clear that the success of a B2CVC depends on the stickiness of its members to enhance purchasing potential. Opinions communicated and information exchanged between members may represent a type of written word-of-mouth. Therefore, word-of-mouth is one of the primary factors driving the diffusion of B2CVCs across the Internet. Figure 1 presents the research model and hypotheses. The model was tested through the implementation of an online survey of CTrip Travel VC members. A total of 243 collected questionnaires was reduced to 204 usable questionnaires through an empirical process of data cleaning. The study's hypotheses examined the extent to which involvement, satisfaction, and trust influence B2CVC stickiness and members' word-of-mouth. Structural Equation Modeling tested the hypotheses in the analysis, and the structural model fit indices were within accepted thresholds: ${\chi}^2^$/df was 2.76, NFI was .904, IFI was .931, CFI was .930, and RMSEA was .017. Results indicated that involvement has a significant influence on satisfaction (p<0.001, ${\beta}$=0.809). The proportion of variance in satisfaction explained by members' involvement was over half (adjusted $R^2$=0.654), reflecting a strong association. The effect of involvement on trust was also statistically significant (p<0.001, ${\beta}$=0.751), with 57 percent of the variance in trust explained by involvement (adjusted $R^2$=0.563). When the construct "stickiness" was treated as a dependent variable, the proportion of variance explained by the variables of trust and satisfaction was relatively low (adjusted $R^2$=0.331). Satisfaction did have a significant influence on stickiness, with ${\beta}$=0.514. However, unexpectedly, the influence of trust was not even significant (p=0.231, t=1.197), rejecting that proposed hypothesis. The importance of stickiness in the model was more significant because of its effect on e-WOM with ${\beta}$=0.920 (p<0.001). Here, the measures of Stickiness explain over eighty of the variance in e-WOM (Adjusted $R^2$=0.846). Overall, the results of the study supported the hypothesized relationships between members' involvement in a B2CVC and their satisfaction with and trust of it. However, trust, as a traditional measure in behavioral models, has no significant influence on stickiness in the B2CVC environment. This study contributes to the growing body of literature on B2CVCs, specifically addressing gaps in the academic research by integrating measures of beliefs, attitudes, and behaviors in one model. The results provide additional insights to behavioral factors in a B2CVC environment, helping to sort out relationships between traditional measures and relatively new measures. For practitioners, the identification of factors, such as member involvement, that strongly influence B2CVC member satisfaction can help focus technological resources in key areas. Global e-marketers can develop marketing strategies directly targeting B2CVC members. In the global tourism business, they can target Chinese members of a B2CVC by providing special discounts for active community members or developing early adopter programs to encourage stickiness in the community. Future studies are called for, and more sophisticated modeling, to expand the measurement of B2CVC member behavior and to conduct experiments across industries, communities, and cultures.

Identification of Core Competencies of Construction Managers (CM단장 핵심역량 발굴에 관한 연구)

  • Kim, Dong-Hee;Kim, Han-Soo
    • Korean Journal of Construction Engineering and Management
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    • v.12 no.6
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    • pp.93-100
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    • 2011
  • As the construction management(CM) market has grown, so has the CM competition in the market place. Consequently, competent construction managers become a core part of CM firms' competitiveness. The objective of the study is to identify and discuss core competencies of construction mangers based on literature survey, Delphi Method and AHP. Among various competencies required for construction managers, skills for problem solving, trust and negotiation skills were identified as the crux of construction managers' competencies. A better understanding of construction managers' core competencies is very critical in terms of CM firms' training of construction managers and continuos self-improvement for construction managers.

Human-ware Approach on the Difference between Industrial Relations of Korea and Japan -Based on the Identification of the Gene- (한국과 일본의 기업풍토 및 경영성과 차이에 대한 휴먼웨어적 접근 -동일 유전자 측면을 기초로 하여-)

  • 이철우;서윤정
    • Journal of Korean Society of Industrial and Systems Engineering
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    • v.23 no.55
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    • pp.97-106
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    • 2000
  • In this paper, we would be searching for the complemental aspects in industrial relations of Korea compared with that of Japan. It is very reasonable that historical, geographical, and especially gene analysis data are almost identical, considering that the general evaluations to the motive of Japan's industry are $\ulcorner$the modernization of the tradition$\lrcorner$. Although it is reported Korea accomplished the high economic growth rate, the economic growth rate(efficiency) could not be continued. This reason looks like that Korean proper(eigen) traits(:Gene-ware) have been oppressed and concealed by social climate such as jealousy, stratagem and hatred, we can find one of this facts in the criminal and complaint numbers as social trust measurement. There are many cases that Korean industry was distorted by the superiority/inferiority relations, for examples, the loss of the native(eigen or proper) resources, a distorted introduction of the production method and the unfolding of the industry which be not related to the characteristics of region. In this reasons, Korean industry could not play the role of Human-ware function which activates Gene-ware or, Gene-Nascence. In this Human-ware aspects, Japanese characteristics, such as $\ulcorner$Getting the basic right$\lrcorner$ and $\ulcorner$Tendency to the origin$\lrcorner$, are to be useful in the Nascence of Gene-ware in Korean industry.

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The Effects of International New Ventures' Social Responsibility Engagement on Local Customer Loyalty: A Perspective of Relationship Marketing in Emerging Economies

  • An, Sang-Bong;Oh, Han-Mo;Kim, Sung-Kwon
    • Asia-Pacific Journal of Business
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    • v.9 no.3
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    • pp.25-35
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    • 2018
  • Research addressing international new ventures' social responsibility activities is scarce. Specifically, researchers have little account for the effects of an international new venture's social responsibility efforts on the outcomes of relationships with local customers in emerging economies. Against this background, we attempt to extend the boundaries of an understanding of the effects of international new ventures' social responsibility engagement on local customers' loyalty through customer trust and customer identification in emerging economies. Based mainly on the stakeholder theory and the relationship marketing theory, our study conceptualize two facets of international new ventures' social responsibility efforts: ethical and philanthropic corporate social responsibility engagement. In addition, we identify positive customer relationship-building mechanisms for each facet. Furthermore, our study presents an empirically testable propositions that would explain how international new ventures' social responsibility efforts influence the outcomes of relationships with local customers in emerging economies. Finally, this manuscript provides a discussion of the present study' implications for theory and practice and limitations that naturally lead to future research on international new ventures' social responsibility activities in developing economies.

Relationship between Product Characteristics and Customer Purchase Intention in Cross-Border Online Shopping: Focus on Chinese Consumers

  • FU, Yi;KIM, Jae-Hyeon;CHO, Sung-Eui
    • The Journal of Economics, Marketing and Management
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    • v.10 no.6
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    • pp.47-57
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    • 2022
  • Purpose: This study explored the relationship between product characteristics and customer purchase intention in cross-border online shopping. Research design, data, and methodology: Through literature review, the research model of product characteristics and consumers' purchase intention is constructed, and trust is taken as a medium variable. Based on the survey data of Chinese consumers, empirical analysis and hypothesis verification are conducted. This study used SPSS version 21 to confirm the reliability and validity of the research model. To confirm the media effect of the model in this study, the Sobel Test was used. Results: The results of hypothesis identification of this research model showed that 8 of the 11 hypotheses were adopted and 3 were rejected. Results confirmed the relationship between product characteristics (specification, diversity, reputation, novelty, quality) and customer purchase intention. Conclusions: The result from this study had particular theoretical significance for improving the research on cross-border online shopping systems to improve the safety and satisfaction of customers in cross-border online shopping.

Legal Issues in Protecting and Utilitizing Medical Data in United States - Focused on HIPAA/HITECH, 21st Century Cures Act, Common Law, Guidance - (미국의 보건의료데이터 보호 및 활용을 위한 주요 법적 쟁점 -미국 HIPAA/HITECH, 21세기 치료법, 공통규칙, 민간 가이드라인을 중심으로-)

  • Kim, Jae Sun
    • The Korean Society of Law and Medicine
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    • v.22 no.4
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    • pp.117-157
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    • 2021
  • This research reviewed the HIPAA/HITECH, 21st Century Cures Act, Common Law, and private Guidances from the perspectives in protecting and utilitizing the medical data, while implications were followed. First, the standards for protection and utilization are relatively clearly regulated through single law on personal medical information in the United States. The HIPAA has been introduced in 1996 as fundamental act on protection of medical data. Medical data was divided into personally identifiable information, non-identifying information, and limited dataset under HIPAA. Regulations on de-identification measures for medical information, objects for deletion of limited data sets, and agreement on prohibition of data re-identification were stipulated. Moreover, in the 21st Century Cures Act regulated mutual compatibility for data sharing, prohibition of data blocking, and strengthening of accessibility of data subjects. Common Law introduced comprehensive consent system and clearly stipulates procedures. Second, the regulatory system is relatively simplified and clearly stipulated in the United States. To be specific, the expert consensus and the safe harbor system were introduced as an anonymity measure for identifiable medical information, which clearly defines the process while increasing trust. Third, the protection of the rights of the data subject is specified, the duty of explanation is specified in detail, while the information right of the consumer (opt-out procedure) for identification information is specified. For instance, the HHS rule and FDA regulations recognize the comprehensive consent system for human research, but the consent procedure, method, and requirements are stipulated through the common rule. Fourth, in the case of the United States, a trust-based system is being used throughout the health and medical data legislation. To be specific, Limited Data Sets are allowed to use in condition to the researcher's agreement to prohibit re-identification, and de-identification or consent process is simplified under the system.

A study of plan for traceability of a Korean herb using RFID technology (RFID 기술을 이용한 한약재 이력관리 방안에 관한 연구)

  • Kim, Chul;Song, Mi-Young
    • Korean Journal of Oriental Medicine
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    • v.12 no.3 s.18
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    • pp.31-47
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    • 2006
  • Nowadays Korean governments use Information Technology to improve the quality of life for a people. One of these tries is building the Food Tracing System based on Information Technology. Koreans have big concern about food that is good for health. The Food Tracing System means that the system can follows, traces, and records every steps of production and delivery of food and its ingredient. And this process should be identified and grouped by using tags, marks, and other methods. For example, producer of ingredient, processing steps of food, delivered place could be traced. In addition to food, medical herbs need consumer's trust in production and delivery. To trace and prosecute contaminated medical herbs, medical herbs also need this kind of Tracing System based on Information Technology. This study shows current medical herbs tracing ways and RFID(Radio Frequency IDentification) technology trend. As preceding study for future RFID based medical herbs tracing system, this study suggests the building plan and scenario of the Medical Herbs Tracing System. The determination of the main body for sticking RFID Tags is very important to design for RFID Traceability System. In this study, the starting point of information to medical herbs is an inspection agency. The Medical Herbs to product domestically or import moved to an inspection agency. An inspection agency bond the RFID Tags to packing of the Medical Herbs after examining the a basic its component. At the same time inspector give the information of production or importation to the Tags. This Tags are moved for logistical process to end point, the Korean medicine agency. The customer confirmed the traceability and certification information of the Medical Herbs. For success tracing of medical herbs, institutional support and close cooperation between related organizations is necessary besides good system design.

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