• Title/Summary/Keyword: Online Trust

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A Study on Online Consumers′Price Sensitivity (온라인 시장에서 가격민감도에 영향을 미치는 요인에 관한 연구)

  • 송형철
    • The Journal of the Korea Contents Association
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    • v.2 no.3
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    • pp.59-69
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    • 2002
  • This article purpose are on the variables of consumer's Doe sensitivity. Our result from sets of data indicate that the web site trust, the web site interactivity and the perceived risk have an effect on price search. Our result is as follows. First, the more trust the web site, the lower the price search. Second, the more interactivity of the web site, the lower the price search. Third, the greater the depth of information at the web site, the higher the price search. forth, the higher the perceived risk, the higher the price search. Fifth, the higher the knowledge of product, the higher the price search.

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A Study on Factors Influencing User's Security Intention for Internet Banking (인터넷 뱅킹 사용자의 보안의도에 영향을 마치는 요인에 관한 연구)

  • Kim, Jong-Ki;Kang, Da-Yeon;Jeon, Jin-Hwan
    • The Journal of Information Systems
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    • v.18 no.2
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    • pp.1-18
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    • 2009
  • Recently, internet banking is growing rapidly. Moot banks in Korea provide internet banking services. Internet banking becomes a major trend in the financial marketplace. With advanced computer technology and declining communication costs, many customers prefer online alternatives such as internet banking, mobile banking or phone banking rather than going to banks by themselves. The number of customers using those alternatives is skyrocketing and domestic commercial banks encourage them of the use. As the internet is highly developed, customers demand higher quality services and banks develop and provide diverse services in order to respond to them. However, internet banking service users are still afraid of their personal and financial information being exposed on the internet. The purpose of this research is to empirically analyze the influence that appropriate internet banking affect user's security intention. The research model proposed in this study includes user's security intention which is influenced by self-efficacy, security trust, Internet banking attitude, perceived security and security intention. According to the result of this study, self-efficacy and security trust are related to the security attitude. There is a significant relationship between security attitude and perceived security. Also, user's security attitude and perceived security is significantly affected by security intention.

A Study on Promoting Senior Citizens' Use of e-Government Services as an Effective Means for Reducing Digital Divide (정보격차 해소 차원에서의 전자정부 서비스 이용촉진 연구 : 장노년층 사례를 중심으로)

  • Kwon, Moon-Ju;Choi, Yeon-Sook;Kim, Tae-Ung
    • Journal of Information Technology Services
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    • v.9 no.2
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    • pp.73-92
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    • 2010
  • E-government refers to the delivery of government information and services online through the Internet or other digital means. Unlike traditional structures, e-government systems are two-way, and available 24 hours a day, seven days a week. The interactive aspects of e-government allow both citizens and bureaucrats to send and receive information. Criticism about the provision of e-Government services, however, has proposed a more user-oriented approach. The user needs to be placed at the center of the development and the provision of e-Government services. Furthermore, e-government literatures seldom explore acceptance issues among the aged. Attempting to address this gap, we take the approach based on a combination of Technology Acceptance Model and Theory of Planned Behavior, with data gathered via a questionnaire from service users over 50 years and older. The findings indicate that perceived usefulness, ease of use, subjective norms, trust, visibility, facilitating conditions and political efficacy are direct or indirect predictors of citizens‘ intention to use an e-government service. Implications of this study for research and practice are presented.

A Profile of Non-Seekers of Health Information Among the United States Foreign-Born Population

  • Kim, Soojung;Huang, Hong;Yoon, JungWon
    • Journal of Information Science Theory and Practice
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    • v.8 no.1
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    • pp.68-78
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    • 2020
  • This study attempted to uncover the characteristics of health information non-seekers among the United States foreign-born population and identify potential predictors of their non-seeking behavior. The trends of foreign-born health information nonseekers over the past twelve years were also examined. Statistical analysis was conducted with two sets of Health Information National Trends Survey (HINTS) data: HINTS 2 (2005) and HINTS 5 Cycle 1 (2017) datasets. It was found that foreign-born nonseekers differ from foreign-born seekers in terms of a variety of variables including education, income, English proficiency, the uses of Internet and social media, ownership of digital devices, ownership of health insurance, perceived health status, and level of trust in health information sources. Among them, education, Internet use, and trust in online health information were identified as predictors of the foreign-born population's non-seeking of health information. In addition, three variables - race/ethnicity, age, and place of accessing the Internet - which were significant factors in the 2005 dataset, were no longer significant in the 2017 dataset, implying the possible influence of smartphones that reduces Internet accessibility gaps among different racial/ethnic and age groups.

Critical Factors for Acceptance of Social Commerce: A Case Study in Oman

  • FAROOQUE, Murtaza;ALMARHOON, Shahrazad;ALHARIZI, Shamma;MOHAMMED, Aref
    • The Journal of Asian Finance, Economics and Business
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    • v.8 no.5
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    • pp.657-665
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    • 2021
  • The study aims to assess the acceptance of social commerce and participate in social commerce amongst Omani people. The questions of the survey Instrument were prepared in English later converted into Arabic. The survey instrument was having two parts; the first part sought the demographic information like age, gender, education, occupation etc. The second part of the instrument was related to the variables, which was in 5-point Likert scale, where 5 means strongly agree while 1 meaning strongly disagree. The data was collected using online and offline surveys, making the number of the valid responses to 478. A conceptual model was developed using the following variables. The selected variables such as "Familiarity" (F), "Trust" (T), "Perceived usefulness" (PU), "Perceived ease of use" (PEU), "Intention to Purchase" (IP). The hypothesis was tested using structural equation modelling. The results indicate that all six hypotheses were supported. The F, T and PEU, and PU was found to be positive and significant related to intention to purchase (p-value 0.003, 0.001, 0.000. & 0.007). Amongst the four, p value of F was found to be the lowest and PU was found to be the highest. This indicate F was strong indicator of IP as compared to others. PUE relates to PU, and F was related to IP.

Organizational Commitment and Loyalty: A Millennial Generation Perspective in Indonesia

  • 'AZZAM, Muhammad Abdullah;HARSONO, Mugi
    • The Journal of Asian Finance, Economics and Business
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    • v.8 no.3
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    • pp.1371-1383
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    • 2021
  • The study aims to investigate the organizational commitment and loyalty among millennial generation employees in Integrated Islamic Schools. The study gathered information and data from three different Islamic education institutions in Central Java, Indonesia. A total of 261 responses gathered using an online questionnaire distributed among millennial generation employees on each institution. The result then analyzed using confirmatory factor analysis with the help of SPSS and SEM AMOS. From the analysis, it is found that employee trust and satisfaction strongly impacted employee organizational commitment, and employee organizational commitment strongly impacted employee loyalty, both attitudinal and behavioral. Test for model robustness was also conducted accordingly within suggestions from the previous research, resulted in quite different findings especially in continuance commitment variable. This study pointed out the importance of trust and satisfaction to maintain the millennials employee, and the importance of millennial understanding especially in the education sector. This study provides the reference for future organizational commitment and loyalty study among the millennial generation especially in a growing nation like Indonesia and pointed out the importance of the generational study on organizational behavior topics.

Investigating the Factors on Public Transportation System for Citizen Relationship and Sustainability

  • YOO, Jiin;CHO, Yooncheong
    • The Journal of Industrial Distribution & Business
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    • v.13 no.3
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    • pp.13-24
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    • 2022
  • Purpose: The purpose of this paper is to investigate key factors that affect customer dissatisfaction on public transportation system by highlighting the necessity of citizen participation and improved management of advanced technology for sustainability. Research questions applied in this study include following; i) how are factors on dissatisfaction related to types of transportation modes; ii) how do perceived proposed factors affect citizen dissatisfaction; iii) how do the improvement of public transportation service affect the level of expected satisfaction; and iv) how do expected satisfaction affect policy agreement and government trust. Research design, data and methodology: For qualitative research, civil opinions were collected and chi-square analysis was applied using keywords. For quantitative research, online survey was collected and factor and multiple regression analyses were applied. 3) Results: This study found that efficiency of operation system and safety on dissatisfaction showed significant in all three public transportation modes. This study found that perception of government policy and trust on government will increase as expected satisfaction increases. Conclusions: This study provides managerial and policy implications on society and policy makers by addressing necessity of improving strategies for public transportation system with the consideration of citizen relationship management and sustainable development.

Factors Determining Adoption of Fintech Peer-to-Peer Lending Platform: An Empirical Study in Indonesia

  • SUNARDI, Rudy;HAMIDAH, Hamidah;BUCHDADI, Agung Dharmawan;PURWANA, Dedi
    • The Journal of Asian Finance, Economics and Business
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    • v.9 no.1
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    • pp.43-51
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    • 2022
  • Platform lending or online lending, sometimes called peer-to-peer (P2P) lending, arose due to the digital revolution to meet people's requirements for simple fund borrowing. It quickly became an alternative to other traditional lending techniques, for example, loans banks. Along with the growth of P2P lending, several academics have investigated how information technology is used in financial services, emphasizing extended application methods. This study proposes an enhanced technology acceptance model (TAM) that investigates how consumers embrace P2P lending platforms by using quality of service and perceived risk as drivers of trust, relative advantage and compatibility as drivers of perceived usefulness. For the purpose of this study, we created a questionnaire, distributed it to clients of P2P lending platforms and fintech services in general in cities in Java, Indonesia. We received 290 replies to our questionnaire. The data was analyzed to test the hypotheses using structural equation modeling (SEM). The findings show that consumers' trust, relative advantage, perceived usefulness, and perceived ease of use in P2P lending platforms substantially affect their views toward adoption. The research's findings are useful for fine-tuning platform marketing strategies and putting strategic goals into action.

Smart City Marketing Strategy: Transformative Endeavor

  • Yooncheong CHO
    • East Asian Journal of Business Economics (EAJBE)
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    • v.12 no.1
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    • pp.13-22
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    • 2024
  • Purpose: The purpose of this study is to investigate impact of smart city awareness on citizen satisfaction and to measure various factors influencing smart city competitiveness that were rarely addressed in previous studies. For the impacts on the competitiveness of smart cities, this study explored the effects of data-driven service, economic impact, social trust through sharing, environmental protection, and sustainable growth. Research design, data and methodology: To collect data, this study employed an online survey conducted by a reputable research organization. Data analysis involved the use of factor analysis, ANOVA, and regression analysis. Results: This study identified key aspects important for enhancing citizen satisfaction. Furthermore, this research unveiled the significant impacts of data-driven service, economic impact, social trust through sharing, environmental protection, and sustainable growth on the competitiveness of smart cities. Conclusions: The results yield valuable managerial and policy implications. The study suggests that enhancing citizen satisfaction through improved awareness of the smart city is crucial for effective city marketing management. Additionally, the results highlight special aspects necessary to improve smart city competitiveness, including the implementation of promotional policies supported by the government, promoting global competitiveness for domestic companies, and fostering citizen participation for effective city marketing management.

An Analysis of the Moderating Effects of User Ability on the Acceptance of an Internet Shopping Mall (인터넷 쇼핑몰 수용에 있어 사용자 능력의 조절효과 분석)

  • Suh, Kun-Soo
    • Asia pacific journal of information systems
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    • v.18 no.4
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    • pp.27-55
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    • 2008
  • Due to the increasing and intensifying competition in the Internet shopping market, it has been recognized as very important to develop an effective policy and strategy for acquiring loyal customers. For this reason, web site designers need to know if a new Internet shopping mall(ISM) will be accepted. Researchers have been working on identifying factors for explaining and predicting user acceptance of an ISM. Some studies, however, revealed inconsistent findings on the antecedents of user acceptance of a website. Lack of consideration for individual differences in user ability is believed to be one of the key reasons for the mixed findings. The elaboration likelihood model (ELM) and several studies have suggested that individual differences in ability plays an moderating role on the relationship between the antecedents and user acceptance. Despite the critical role of user ability, little research has examined the role of user ability in the Internet shopping mall context. The purpose of this study is to develop a user acceptance model that consider the moderating role of user ability in the context of Internet shopping. This study was initiated to see the ability of the technology acceptance model(TAM) to explain the acceptance of a specific ISM. According to TAM. which is one of the most influential models for explaining user acceptance of IT, an intention to use IT is determined by usefulness and ease of use. Given that interaction between user and website takes place through web interface, the decisions to accept and continue using an ISM depend on these beliefs. However, TAM neglects to consider the fact that many users would not stick to an ISM until they trust it although they may think it useful and easy to use. The importance of trust for user acceptance of ISM has been raised by the relational views. The relational view emphasizes the trust-building process between the user and ISM, and user's trust on the website is a major determinant of user acceptance. The proposed model extends and integrates the TAM and relational views on user acceptance of ISM by incorporating usefulness, ease of use, and trust. User acceptance is defined as a user's intention to reuse a specific ISM. And user ability is introduced into the model as moderating variable. Here, the user ability is defined as a degree of experiences, knowledge and skills regarding Internet shopping sites. The research model proposes that the ease of use, usefulness and trust of ISM are key determinants of user acceptance. In addition, this paper hypothesizes that the effects of the antecedents(i.e., ease of use, usefulness, and trust) on user acceptance may differ among users. In particular, this paper proposes a moderating effect of a user's ability on the relationship between antecedents with user's intention to reuse. The research model with eleven hypotheses was derived and tested through a survey that involved 470 university students. For each research variable, this paper used measurement items recognized for reliability and widely used in previous research. We slightly modified some items proper to the research context. The reliability and validity of the research variables were tested using the Crobnach's alpha and internal consistency reliability (ICR) values, standard factor loadings of the confirmative factor analysis, and average variance extracted (AVE) values. A LISREL method was used to test the suitability of the research model and its relating six hypotheses. Key findings of the results are summarized in the following. First, TAM's two constructs, ease of use and usefulness directly affect user acceptance. In addition, ease of use indirectly influences user acceptance by affecting trust. This implies that users tend to trust a shopping site and visit repeatedly when they perceive a specific ISM easy to use. Accordingly, designing a shopping site that allows users to navigate with heuristic and minimal clicks for finding information and products within the site is important for improving the site's trust and acceptance. Usefulness, however, was not found to influence trust. Second, among the three belief constructs(ease of use, usefulness, and trust), trust was empirically supported as the most important determinants of user acceptance. This implies that users require trustworthiness from an Internet shopping site to be repeat visitors of an ISM. Providing a sense of safety and eliminating the anxiety of online shoppers in relation to privacy, security, delivery, and product returns are critically important conditions for acquiring repeat visitors. Hence, in addition to usefulness and ease of use as in TAM, trust should be a fundamental determinants of user acceptance in the context of internet shopping. Third, the user's ability on using an Internet shopping site played a moderating role. For users with low ability, ease of use was found to be a more important factors in deciding to reuse the shopping mall, whereas usefulness and trust had more effects on users with high ability. Applying the EML theory to these findings, we can suggest that experienced and knowledgeable ISM users tend to elaborate on such usefulness aspects as efficient and effective shopping performance and trust factors as ability, benevolence, integrity, and predictability of a shopping site before they become repeat visitors of the site. In contrast, novice users tend to rely on the low elaborating features, such as the perceived ease of use. The existence of moderating effects suggests the fact that different individuals evaluate an ISM from different perspectives. The expert users are more interested in the outcome of the visit(usefulness) and trustworthiness(trust) than those novice visitors. The latter evaluate the ISM in a more superficial manner focusing on the novelty of the site and on other instrumental beliefs(ease of use). This is consistent with the insights proposed by the Heuristic-Systematic model. According to the Heuristic-Systematic model. a users act on the principle of minimum effort. Thus, the user considers an ISM heuristically, focusing on those aspects that are easy to process and evaluate(ease of use). When the user has sufficient experience and skills, the user will change to systematic processing, where they will evaluate more complex aspects of the site(its usefulness and trustworthiness). This implies that an ISM has to provide a minimum level of ease of use to make it possible for a user to evaluate its usefulness and trustworthiness. Ease of use is a necessary but not sufficient condition for the acceptance and use of an ISM. Overall, the empirical results generally support the proposed model and identify the moderating effect of the effects of user ability. More detailed interpretations and implications of the findings are discussed. The limitations of this study are also discussed to provide directions for future research.