• 제목/요약/키워드: Offline Trust

검색결과 67건 처리시간 0.023초

인터넷 뱅킹에서 오프라인 신뢰와 온라인 거래의 관계 (The Relationship between Offline Trust and Online Transaction in Internet Banking)

  • 이웅규
    • Asia pacific journal of information systems
    • /
    • 제17권2호
    • /
    • pp.29-47
    • /
    • 2007
  • Owing to the rapid growth of using the Internet, not only click-and-mortar companies but also brick-and-mortar ones have been expanding their distribution channels into online, Moreover, since online channels are more attractive than offline ones in control and maintenance, switching customers into online ones is emerged as one of very important managerial issues in a view of reduction of cost as well as expansion of services. However, the switched customers should be faced by uncertainties which could not have been experienced in offline. Specifically, in online channels, buyers and sellers are separated temporally and spacially and there are always so many kinds of threat for security as well as not enough systems and conventions for them yet. Therefore, trust has been considered as one of the most critical mechanisms for resolution of such uncertainties in online transactions. However, it is not easy to build and maintain the relationships in online since most of them are virtual and indirect generally. Therefore, in order to switch offline customers into online ones, it is very important to make strategies based on identification of the relationship between online transaction and offline trust which has been built in offline business. Generally offline trust, which has been built independent of online, could not include trust for online-dependent activities such as payment security during or after transactions, while most of online trust include it. Therefore, a customer with high offline trust does not always perceive high security and assure safe transactions. Accordingly, while online trust, where technical capabilities for online security is one of main bases, includes control trust implicitly or explicitly, offline trust does not. However. in spite of such clear discrimination and independence between offline trust and perceived security, there can be the significant dependency between these two beliefs. The customers with high offline trust believe that the company would do some activities for online security for customers' safe transactions since it has been believed of doing well for customers' trust. Theoretically, users' perception of security is interpreted as a kind of control trus, which is trust for company's technical control capacities in order to resolve technical uncertainties in online. Therefore, the relationship between two beliefs can be considered as transference from offline trust to another type trust. that is, control trust. The objective of this study is to analyze the effect of offline trust on online transaction uses mediated by perceived security. For this purpose, we suggest a research model based on technology acceptance model (TAM). Reuse intention is adopted as a dependent variable and TAM is modified by adding perceived risk (PR) as well as two beliefs of using Internet banking, perceived usefulness (PU) and perceived ease of use (PEOU). Moreover, perceive security (PS) is adopted as an external variable for PR and PU, while offline trust (OT) is an antecedent of PS. For an empirical test, sampling from 108 visitors to the banks in Daegu, Korea, we analyze our model by partial least square (PLS) approach. In result, our model is shown to explain 51.4% of the variance in reuse intention and all hypothesis are supported statistically. A theoretical implication of this study is to identify a role of PS between offline trust and reuse intention of using online transaction services. According to our result, PS can be considered as a mediation variable for bridging between two different concepts: trust that explains social aspects of customers and companies, and TAM that explains customers' reuse intention.

Offline Trust, Online Trust, and Perceived Cost: Their Relations and Impacts on the Intention to Use Online Banking

  • Kim, Tae-Woo;Kim, Jae-Young;Lee, Jae-Nam
    • 한국경영정보학회:학술대회논문집
    • /
    • 한국경영정보학회 2007년도 추계학술대회
    • /
    • pp.533-538
    • /
    • 2007
  • Since the Internet has been widespread all over the world, it has been getting more popular. Almost every bank that runs offline business has its own Web site to provide online banking service. In this study, we developed a research model based on the Technology Acceptance Model (TAM). We added the concepts of trust and cost to evaluate our model because trust is a major concept in adopting online service, and cost is one of the main strategies to attract customers to use online banking service. To see the validation of the model, we used partial least squares (PLS). A survey was done to gather data. The result was drawn from the model test, and we discuss it and conclude the study.

  • PDF

오프라인-온라인 멀티채널 쇼핑상황에서의 신뢰전이와 지속구매의도에 관한 연구 : 뉴로티시즘 조절효과 분석 (A Study on the Trust Tansference and Continuance Intention to Purchase in Offline-Online Multi-Channel Shopping Contexts : Emphasis on the Moderating Effects of Neuroticism)

  • 전현규;이건창
    • 경영과학
    • /
    • 제33권2호
    • /
    • pp.89-115
    • /
    • 2016
  • Recent trends in online commerce shows that multi-channels including offline and online become prevailing as a standard type of channel. However, literature survey revealed that there exist few studies about how an individual negative emotion such as neuroticism affects trust transfer between channels, and usage continuance intention. To fill the research void like this, this study proposes an research model where trust transfer between offline and online channels is included, and neuroticism is also adopted as a moderating variable between trust transfer, satisfaction, and usage continuance intention. Empirical results with valid 406 questionnaires revealed that neuroticism has a negative influence on online commerce users' perceived usage continuance intention.

Luxury Brand Equity in Online Channel: The Moderating Effect of Brand Trust

  • Hyun, Hyowon;Park, JungKun;Yoo, Weon Sang
    • Asia Marketing Journal
    • /
    • 제21권2호
    • /
    • pp.99-115
    • /
    • 2019
  • Branding strategy is important in the hyper-competitive luxury industry. In digitalized market environments, it is critical for luxury brands to transfer their established brand equity from the offline market to the online market. The purpose of this study is to examine the causal relationships between offline brand equity (i.e., brand awareness, brand image, and perceived quality)toward online consumer responses, including satisfaction and loyalty, in the context of luxury brands. In addition, this study investigates the moderating effects of offline brand trust on the relationship between offline brand equity and online satisfaction and loyalty. Data was collected via online surveys. For empirical validation of the proposed hypotheses, a structural equation modeling technique was employed. The results show that offline luxury brand awareness, brand image, and perceived quality have a positive effect on consumers' online satisfaction. Also, offline brand image has a positive effect on online consumer loyalty. The results indicate that there is a significant moderating effect of offline brand trust on the relationship between brand image and e-loyalty. The results of the present study provide implications for luxury brand managers and retailers to develop effective online sales strategies.

O2O 서비스의 사용의도에 영향을 미치는 요인에 관한 연구 (A Study on the Factors Affecting the Intention to Use O2O Services)

  • 정유진;송용욱
    • 한국IT서비스학회지
    • /
    • 제15권4호
    • /
    • pp.125-151
    • /
    • 2016
  • In recent years, O2O (Online to Offline) services get a lot of attention to improve the trust in online shopping and minimize the inconvenience and the cost burden in offline shopping as the number of consumers, who do not show concern about the purchase platform like online or offline, increases. Even though the services have been getting the spotlight as a strong business platform for next generation commerce, there have been only a few studies on the O2O services. The purpose of this research is to investigate the factors which affect the consumer's intention to use location-based O2O services. The study is based on VAM (Value-based Adoption Model) which is able to analyze those factors from the aspects of benefit and sacrifice. We used the partial least squares (PLS) method for empirical analysis, and the result shows that contextual offers, instant connectivity, webrooming and economic efficiency, which fall under the benefit, affect perceived value positively while annoyance and face consciousness, which fall under the sacrifice, do not affect perceived value significantly. In addition, contextual offers and instant connectivity affect trust positively. Location accuracy, which falls under the benefit of location-based O2O service, do not significantly affect perceived value and trust while security risk affects trust and use intention negatively. It appears that trust affects perceived value and use intention positively.

핀테크 서비스에서 오프라인에서 온라인으로의 신뢰전이에 관한 연구 - 스마트뱅킹을 중심으로 - (A Study on Trust Transfer in Traditional Fintech of Smart Banking)

  • 애제;권순동;이수철;고미현;이보형
    • 경영과정보연구
    • /
    • 제36권3호
    • /
    • pp.167-184
    • /
    • 2017
  • 본 연구에서는 기존에 구축되었던 오프라인뱅킹에서의 신뢰가 새로운 스마트뱅킹 서비스 신뢰에 어느 정도 영향을 미치는가를 규명하였다. 이를 위해 스마트뱅킹 신뢰의 영향요인으로 오프라인뱅킹의 신뢰, 스마트뱅킹의 시스템 품질과 정보품질을 비교연구하였다. 실증연구를 위해 스마트뱅킹 서비스 이용자를 대상으로 186부의 설문지를 회수하였고, 자료분석은 Smart-PLS 2.0을 이용하였다. 분석결과, 오프라인뱅킹 신뢰가 스마트뱅킹 신뢰에 미치는 영향이 유의하게 나타나, 핀테크 서비스에서 신뢰전이가 존재함을 검증하였다. 그리고 이러한 오프라인뱅킹 신뢰가 스마트뱅킹 신뢰에 미치는 영향력은 스마트뱅킹 자체의 특성보다 낮은 것을 입증하였다. 본 연구의 의의는 학술적 측면과 산업적 측면에서 살펴볼 수 있다. 먼저, 학술적 측면에서의 의의이다. 지금까지의 뱅킹관련 연구들은 오프라인뱅킹이나 스마트뱅킹 어느 한 측면에 초점을 맞추어 연구를 수행하였다. 이에 비해 본 연구에서는 오프라인뱅킹의 특성이 스마트뱅킹 특성에 어떻게 영향을 미치는가하는 신뢰전이를 검증했다는 점에서 의의가 있다. 다음으로, 산업적 측면에서의 의의이다. 본 연구에서 시중은행의 오프라인뱅킹 특성이 새로운 스마트뱅킹 서비스의 신뢰에 영향을 준다는 것을 보여주었다. 이것은 신흥 핀테크 업체가 시중 은행에 비해 신뢰구축의 경쟁에서 유리하지 않다는 것을 의미한다. 신흥 핀테크 업체들은 시중은행과 달리 모바일, 소셜, 클라우드, 빅데이터 등은 물론, 현실화되고 있는 사물인터넷, 가상현실 등의 기술로 무장하여 고객의 편의성을 혁신적으로 개선하고 있다. 그러나 이러한 강점만으로는 금융거래에 필요한 충분한 신뢰를 형성할 수 있다고 보장할 수는 없다는 것이다. 이미 신뢰관계에 있는 주거래 은행을 고객들이 잘 바꾸지 않는 관성이 있기 때문이다. 따라서 신흥 핀테크 업체들은 상대적으로 고객접점에 우위에 있는 소셜서비스와 같은 온라인 상호작용의 강점과 다양한 인터넷 서비스와의 연계성을 반영한 파괴적인 부가가치 창출을 위해 노력해야하고, 특히 새로운 서비스에 저항이 낮은 젊은층을 중심으로 한 서비스신뢰 구축을 위해 노력해야 할 것이다.

  • PDF

오프라인의 신뢰가 온라인 거래 사용에 미치는 영향 - 확장된 기술수용모형 (The Effect of Offline Trust upon Use of Online Transaction on the Internet - the Extended Technology Acceptance Model)

  • 이웅규
    • 한국경영과학회:학술대회논문집
    • /
    • 한국경영과학회 2004년도 추계학술대회 및 정기총회
    • /
    • pp.116-136
    • /
    • 2004
  • The objective of this study is to analyze the relationship between offline trust and use of online service focusing on Internet banking. For this purpose, we suggest an extended version of Technology Acceptance Model (TAM) that would explain use or acceptance of infer]nation technology especially in Internet based service areas. In order to connect offline trust with Internet banking use, TAM is extended by adding two variables - technical competence for security services that is one facet of trust on the bank's security technology and security risk that would influence use, perceived usefulness and perceived ease of use. Empirically our model is well proved with low significance level.

  • PDF

오프라인-온라인 멀티채널 상황에서 불확실성, 전환비용, 오프라인 신뢰 및 개인의 부정감정이 사용자 지속구매의도에 미치는 영향에 관한 실증연구 (Empirical Analysis Approach to Investigating how Consumer's Continuance Intention to Use Online Store is Influenced by Uncertainty, Switching Cost, Offline Trust, and Individual Negative Emotion: Emphasis on Offline-Online Multi-Channels)

  • 전현규;이건창
    • 한국콘텐츠학회논문지
    • /
    • 제16권5호
    • /
    • pp.428-439
    • /
    • 2016
  • 최근 온라인 상거래에서는 오프라인 상에서 어느 정도 이름이 알려진 쇼핑몰이 온라인 채널까지 동시에 운영하는 것이 보편화되어 있다. 이와 같은 멀티채널 상거래 상황에서 사용자의 온라인 상거래 지속사용의도를 분석하기 위해서는 오프라인 채널에서 발생된 신뢰가 온라인 구매행동에 미치는 영향을 분석할 필요가 있으며, 또한 온라인 채널에 대한 불확실성이 고려된 연구가 필요하다. 한편, 개인들이 가지고 있는 부정 감정은 멀티채널 상황 하에서 사용자 행위에 다양한 조절효과를 미치는 것으로 파악되지만, 이러한 개인의 부정감정이 충분히 반영된 연구가 부족한 상황이다. 본 연구에서는 멀티채널상황에서 오프라인 신뢰, 불확실성, 전환비용, 그리고 개인의 부정감정이 사용자 온라인 상거래 지속사용의도에 미치는 영향을 실증적으로 분석하였다. 406부의 설문지를 분석한 결과 만족과 전환비용, 그리고 개인의 부정감정이 온라인 쇼핑몰에서의 구매경험자들의 지속구매의도에 매우 유의한 영향을 미치는 요인으로 입증되었다.

인터넷정보의 질에 대한 인식이 정부신뢰에 미치는 영향 - 20-30대 네티즌의 정책과정참여를 중심으로 - (Perception of Internet Information Quality and Trust in Government: Focusing on participation of young netizens in their twenties and thirties in public policy process)

  • 김기현;박통희
    • 정보화정책
    • /
    • 제18권4호
    • /
    • pp.59-84
    • /
    • 2011
  • 인터넷정보는 네티즌들의 정책과정참여와 정부신뢰에 큰 영향을 미칠 것으로 추론되며, 그 영향은 인터넷정보의 질을 높게 인식할수록 클 것이다. 이를 실증적으로 규명하기 위해 인터넷정보의 질을 구성하는 요소를 파악하고, 인터넷정보의 질에 대한 네티즌의 인식이 정책과정참여와 정부신뢰에 미치는 영향을 분석했다. 전국의 20-30대 네티즌을 대상으로 2010년 11월 20일부터 2010년 11월 30일까지 온라인 설문조사를 실시하였으며, 회수된 300부 중 불성실 응답을 제거하고 연구대상으로 적절하지 않은 자료를 제외한 266부의 데이터를 토대로 분석하였다. 분석결과는 첫째, 인터넷정보의 질에 대한 긍정적 인식은 온라인 정책과정참여를 증가시키는 반면에 오프라인 정책과정참여를 약하게 감소시킨다. 둘째, 온라인 정책과정 참여는 오프라인 정책과정참여를 활성화시키고 있다. 셋째, 오프라인 정책과정참여는 정부신뢰에 부정적인 영향을 강하게 미치는 것으로 나타난 반면에 온라인 정책과정참여의 정부신뢰에 대한 영향은 나타나지 않았다. 이러한 결과는 인터넷정보의 질이 향상되면, 오프라인 정책과정참여는 조금 약화되는 반면에 온라인 정책과정참여는 상당히 활성화될 것임을 의미한다. 이어서 온라인 정책과정참여는 오프라인 정책과정참여를 대폭 증가시킴으로써 정부신뢰를 크게 약화시킬 개연성이 있음을 의미한다.

  • PDF

유니클로의 온라인과 오프라인 이미지가 멀티채널 브랜드 구매의도에 미치는 영향 (The effect of UNIQLO's online and offline brand images on the purchase intention as a multichannel brand)

  • 김지연
    • 복식문화연구
    • /
    • 제21권1호
    • /
    • pp.42-56
    • /
    • 2013
  • Nowadays the advantages of multichannel retailing strategy in fashion business have been widely discussed, but empirical research on fashion retail has been limited. The purpose of this research is to provide some ideas on multichannel retailing strategy to fashion retailers through the case of UNIQLO. The online survey was conducted on each 100 female customers in their 20s, 30s, 40s living in seoul among UNIQLO customers. The survey was consisted of measurement items for UNIQLO's online store image and offline store image, customer satisfaction, purchase intention, and demographic attributes. The online survey was found that 30.3% of UNIQLO's multichannel customers bought a product from offline store using online shopping mall as a search channel, on the other hand, 20.7% of UNIQLO's multichannel customers bought a product from online store using offline store as a search channel. Factors of the online shopping mall image were consisted of shopping convenience, product information, price policy, trust. And factors of the offline store image were consisted of trust and store, product information, service. Some factors of online store and offline store image had impact on multichannel customer satisfaction. And, customer satisfaction also had impact on purchase intention of UNIQLO product. Some suggestion for the future of multichannel research in fashion retailing was given.