• 제목/요약/키워드: Mental Accounting

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Enablers of the Adoption of Mobile Banking: From Economic-Psychological-Social Perspectives

  • YunJi Moon
    • Asia pacific journal of information systems
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    • 제30권1호
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    • pp.72-93
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    • 2020
  • With the proliferation of smart devices, mobile banking has become increasingly important. Customers can manage their banking needs without desktop computers or a face-to-face meeting with bank tellers. However, contrary to expectation of wide-spread use of mobile banking, several factors restrict its adoption. The purpose of this study is to explore what factors affect positively or negatively the adoption of mobile banking from economic (operational competence, convenience, mental accounting), psychological (hope, self-efficacy, optimism, resiliency) and social perspectives (normative social pressure, embarrassment avoidance). This paper suggests that three enablers would consequently affect a customer's perceived utilitarian and hedonic value in mobile banking, followed by trust and intention to use. In testing the hypothesized research model, survey and analysis of a structural equation model using Amos are conducted. The findings emphasize that banks need to focus on perceived utilitarian and hedonic values when considering economic, psychological and social enablers most salient to customers in order to promote greater adoption of mobile banking services.

Factors Affecting Individuals' Intentions to Discontinue Social Network Services Use

  • Kyungja Park;Joon Koh
    • Asia pacific journal of information systems
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    • 제28권1호
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    • pp.19-35
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    • 2018
  • This study uses the concepts of mental accounting and coupling in consumption to demonstrate a systematic relationship between behavioral costs, sunk costs, coupling, and user intention to discontinue social network services (SNS) use. An analysis of 213 SNS users found that coupling and sunk costs are two major factors that influence an individual's intention to discontinue SNS use. An interesting finding of this study is that the perception of coupling is created by behavioral costs in the context of an SNS. This finding implies that the source of cost perception when perceiving coupling may differ depending on whether the product or service is traditional or web-based. These results contribute to an expansion of the theoretical discussion of individual-level discontinuance intention after adopting SNS by conceptualizing the perception of coupling.

소비 후 만족도와 소비자 자신감이 거래 커플링에 미치는 영향 - 쾌락적 제품을 중심으로 - (The Effect of the Satisfaction after Consumption and Consumer Self-Confidence for Hedonic Products on Transaction Coupling)

  • 강성민;강현모
    • CRM연구
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    • 제4권2호
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    • pp.1-17
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    • 2011
  • 심적 회계과정 현상 중 하나인 거래 커플링은 특정 거래의 비용과 이익의 심리적인 연결(link)로 '특정한 소비가 특정한 지불에 의해 결제된다는 생각을 마음속에 일으키는 정도'를 의미한다(Prelec and Loewenstein, 1998). 본 연구에서는 이러한 거래 커플링 정도가 소비 후 만족도(satisfaction after consumption)와 소비자 자신감(consumer self-confidence)에 따라 어떻게 달라지는 지에 관해 탐구하였다. 잘못된 구매 결정을 한 소비자는 자신의 실패한 구매 결정에 대한 불만족을 줄이기 위해 인위적 노력을 할 수 있다. 반대로 성공적인 구매 결정을 한 소비자는 구매 결정에 대한 만족도를 증가시키기 위해 노력 할 수 있다. 이러한 인위적 노력은 소비자 자신감과 같은 개인 성향에 따라 달라질 수 있다. 본 연구에서는 쾌락적(hedonic) 제품을 대상으로 한 실험을 통해 소비 후 만족도가 클수록 거래 커플링 정도가 증가하며, 소비 후 만족도가 거래 커플링에 미치는 영향력이 소비자 자신감에 따라 달라짐을 보였다. 소비자 자신감이 높은 경우가 낮은 경우 보다 소비 후 만족도가 커플링에 미치는 영향력이 더 큰 것으로 나타났다. 한편, 거래 커플링 정도는 소비자 자신감에 따라 다르지 않은 것으로 나타났다.

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정신분열병의 감정표현 불능증과 관련된 임상 및 증상 요인 (Clinical and Symptomatic Correlates of Alexithymia in Schizophrenia)

  • 이경하;김대호;노성원;남정현
    • 정신신체의학
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    • 제13권1호
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    • pp.32-40
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    • 2005
  • 연구목적 : 이 연구는 정신분열병 입원환자를 대상으로 감정표현 불능증과 임상변인 및 정신분열병의 연관 관계를 조사하고자 시행되었다. 방법: 두 대학병원 정신과 입원 시설에서 1년간 연속적인 수집을 통해 58명의 성인 정신분열병 환자가 이 연구에 참여하였다. 환자들에게 감정표현 불능증 척도(Toronto Alexithymia Scale, TAS), 양성 및 음성 증상척도(Positive and Negative Symptom Scale, PANSS), 간이정신진단검사(Symptom Checklist-90-Revised, SCL-90-R)를 시행하였다. 결과: 그 결과 TAS 총점은 SCL-90-R의 모든 하위 척도와 정적 상관 관계를 보였으며, 기존의 연구 결과와는 달리 PANSS의 양성증상, 음성증상, 일반 정신병리 척도 점수와는 유의한 상관이 없었다. 또한 '주관적 감각과 감정 경험의 혼동' 요인과 '감정 표현의 곤란' 요인은 SCL의 증상 척도와 유의하게 정적 상관하였으나, '공상의 빈곤'은 일부 하위척도와 부정 상관, '외부 지향적 사고'는 상관관계가 없었다. 다중회귀분석 결과는 SCL-90-R의 전체심도지수(GSI)가 감정표현 불능증의 28.2%를 설명하는 것으로 나타났다. 결론: 이 결과 및 객관적, 주관적 검사의 소견의 차이는 정신분열병의 감정표현 불능증이 두 가지 구성체, 즉 '감정 표현과 소통의 장애(상태적 요인)'과 '외부 지향적 사고(특성적 요인)'로 구성됨을 시사한다. 향후 정신분열병 환자를 대상으로 한 TAS의 구성 타당도 연구가 필요하다.

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간호대학생의 감성지능, 대인관계유능성이 돌봄효능감에 미치는 영향 (Effect of Nursing Students' Emotional Intelligence and Interpersonal Competence on Caring Efficacy)

  • 박의정;정경순
    • 대한통합의학회지
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    • 제11권4호
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    • pp.115-124
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    • 2023
  • Purpose : This study investigated the effects of nursing students' emotional intelligence and interpersonal competence on their caring efficacy. Methods : This study surveyed 217 junior and senior nursing students from City B in South Korea between June 1 and June 30, 2023. The SPSS 22.0 program was employed to analyze the collected data by computing the frequency, percentage, mean, and standard deviation, as well as by conducting t-test, ANOVA test, Scheffe's test, Pearson correlation coefficient, and a multivariate regression analysis. Results : The nursing students exhibited an average emotional intelligence of 5.31±.78, interpersonal competence of 3.47±.56, and caring efficacy of 4.02±.62. The students' emotional intelligence showed significant differences in terms of satisfaction with their major (p<.001), satisfaction with the clinical practice (p<.001), satisfaction with their relationship with clinical practice instructors (p=.001), and the standard of living (p=.021). Furthermore, a significant difference in interpersonal competence was observed in terms of the students' satisfaction with their major (p=.003), satisfaction with the clinical practice (p=.001), satisfaction with their relationship with clinical practice instructors (p=.002), and subjective mental health (p=.005). Meanwhile caring efficacy demonstrated a significant difference with regard to the grade level (p=.001), satisfaction with the major (p<.001), satisfaction with the clinical practice (p<.001), satisfaction with their relationship with clinical practice instructors (p=.007), subjective mental health (p<.001), and subjective physical health (p=.047). The factors that affected the caring efficacy included interpersonal competence (p=.002), grade level (p<.001), satisfaction with the major (p=.004), and emotional intelligence (p=.020), all of which together accounted for an explanatory power of 22.3 %. Conclusion : Based on the results of this study, it is evident that further research related to the emotional intelligence, interpersonal competence, and caring efficacy of nursing students must be encouraged in the future. Furthermore efforts should be made to develop appropriate programs aimed at enhancing nursing students' caring efficacy by accounting for their emotional intelligence and interpersonal competence.

특급 호텔(이태리식당)의 운영실태와 음식연구 (L호텔 중심으로) (“A Study Menu for Menu Operation of Italian Cuisine in Hotel ”)

  • 김용식
    • 한국조리학회지
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    • 제4권
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    • pp.147-166
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    • 1998
  • Following the developing tendency of the food service industry, people are showing a high interest in cooking and the number of applicant trying to learn how to cook is increasing gradually. In this research, we have concluded that developing a menu, we are to standardize its cost accounting correctly so as to reduce problems which can occur during the process to commercialize food. We have to research on the quality of food changing so fast and to develop proper food to suit both the oriental and occidental taste. Since fresh ingredients such as olive oil which has much unsaturated fatty acid, tomato, and fish etc. is usually used in making Italian food, especially the moderns love it very much. The reason is that eating fatty food such as meat and fish with tomato, we can digest it well in our stomach. Tomato play an important role to neutralize the effects of acid food. It has Vitamin B1 dissolving fat, rutin strengthening capillary vessels and controlling high blood pressure, amino acid developing mental activity, iron essential to blood formation, and calcium etc. These ingredients play important roles to control geriatric diseases. The new style of the propensity to consume in the class of new generation and new family, the trend towards the nuclear family, and the rapid expansion of aging have influences on westernizing diet and on spreading new sense of values such as rapidness, convenience, cleanliness, and simplicity for diet. Following the change of the times, the food service industry will be developed more and more.

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혜택/비용, 그림자 노동에 대한 부정적 태도, 반응행동 간 구조적 관계 (Linking Benefit/Cost, Negative Attitudes toward Shadow Work, and Consumer's Response Behavior)

  • ;고준
    • 한국정보시스템학회지:정보시스템연구
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    • 제30권2호
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    • pp.79-103
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    • 2021
  • Purpose Based on consumers' economic, psychological, self-development and conversion costs, this study discusses the relationship between consumers' negative attitude to their shadow work during the course of using self-service in unmanned supermarkets and their behavior. Design/methodology/approach Along with the Hirschman(1970)'s EVLN(Exit, Voice, Loyalty, and Neglect) reviewed, the proposed model of this study is based on the S-O-R model(Mehrabian and Russel, 1974) and mental accounting theory(Thaler, 1999), having empirical validation. Findings In the process of visits and consumption in unmanned supermarkets, increasing economic and psychological benefits can effectively reduce consumers' negative attitudes towards shadow work. In addition, the increase in switching costs will also effectively reduce consumers' negative attitudes towards shadow work. When shadow work holds a negative attitude, all the three kinds of actions will occur. Unmanned supermarket operators use consumers to create value while giving a certain return to them, which is conducive to the sustainable development of unmanned supermarket enterprises.

How Consumers Spend and Distribute Money Tainted by Anger

  • PARK, Hyun Young
    • 유통과학연구
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    • 제19권7호
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    • pp.51-59
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    • 2021
  • Purpose: Anger has become one of the dominantly experienced emotions in recent years, particularly under the COVID-19 pandemic. Considering the critical role that anger plays in consumers' lives, the present research examines how feeling angry about money influences consumers' spending and money distribution decisions. Research design and methodology. Three experiments were conducted using different emotion induction methods (i.e., dictator game, autobiographical recall, and scenario). Results. Feeling angry about money decreased pro-social spending (i.e., less money distribution to the others), but it did not affect virtuous or utilitarian spending for the self-unlike past finding on negative feelings that increased utilitarian spending. Furthermore, whereas anger-tainted money decreased pro-social spending of that money, guilt-tainted money increased pro-social spending. However, the effects of guilt versus anger were not completely symmetrical. The antagonistic effect of anger was diffusive across spending on distant and close others, whereas the pro-social effect of guilt was limited to distant others. Conclusions: These findings help policy makers and financial institutions forecast how money will be distributed or circulated when it is likely to be dampened by anger under the pandemic. They also highlight the importance of examining the effects of discrete emotions (e.g., anger vs. guilt) beyond valence.

지역사회에 있는 알코올 사용 장애자의 금주 자기효능감, 사회적 지지가 재발 위험성에 미치는 영향 (Effects of Abstinence Self-efficacy and Social Support on Relapse Risk in Community-dwelling Adults with Alcohol Use Disorder)

  • 김미혜;현명선
    • 가정∙방문간호학회지
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    • 제29권2호
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    • pp.194-203
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    • 2022
  • Purpose: This study investigated the factors influencing the risk of relapse in community-dwelling adults with alcohol use disorder. Methods: This study included 122 community-dwelling individuals with alcohol use disorder who were receiving outpatient treatment at a mental health treatment hospital or were enrolled in a treatment program at the Community Addition Management Center in Gyeonggi Province. Data were collected using self-administered questionnaires from July to August 2020. Data were analyzed using descriptive statistics, independent t-test, one-way ANOVA, Pearson's correlation coefficient, and multiple regression analysis using SPSS 25.0. Results: Abstinence self-efficacy (𝛽=-.56, p<.001), social support (𝛽=-.35, p=.009), female sex (𝛽=11.29, p=.015), and a family history of alcoholism (𝛽=9.41, p=.026) were significant predictors of relapse risk, accounting for 56% of the variance (F=12.68, p<.001). Conclusion: The findings of this study suggest that abstinence self-efficacy and social support are pivotal in reducing risk of relapse in individuals with alcohol use disorder. Therefore, relevant and effective interventions focusing on enhancing abstinence self-efficacy and social support are required.

Factors influencing postpartum depression in Saudi women: a cross-sectional descriptive study

  • Amira Alshowkan;Emad Shdaifat
    • 여성건강간호학회지
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    • 제30권2호
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    • pp.164-173
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    • 2024
  • Purpose: This study aimed to investigate the prevalence of postpartum depression (PPD) and stress, as well as factors influencing PPD, among women in Saudi Arabia. Methods: This study employed a cross-sectional online survey and recruited participants during postpartum visits to the Clinic of Gynecology and Obstetrics in Al-Khobar, Saudi Arabia. Data collection was done using Arabic versions of the Edinburgh Postnatal Depression Scale, Perceived Stress Scale, and a sociodemographics and obstetric history questionnaire. Descriptive and inferential analyses were conducted, including multiple linear regression using a stepwise method. Results: Data from the 270 participants showed low levels of postpartum depressive symptoms with a mean score of 2.54±4.5 and low levels of perceived stress with a mean score of 2.49±6.2. While 94.4% of the participants reported low levels of stress and PPD, 5.6% reported elevated levels (≥10 for PPD, ≥14 for stress). The stepwise regression analysis showed significant results (p<.001), accounting for 34% of the variance in PPD. The factors significantly influencing PPD included the type of family, stress, number of abortions, disease during pregnancy, and family income. Importantly, perceived stress emerged as a factor influencing PPD. Conclusion: Although the majority of participants exhibited low levels of PPD, about 1 in 18 showed elevated levels. The identification of significant influencing factors highlights the need for targeted interventions to effectively address mental health concerns in postpartum women.