• Human Ecology Research
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• v.57 no.2
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• pp.171-183
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• 2019

Convergence between technology and financial services is ubiquitous and widespread. Virtual banks represent an important aspect of financial markets that can generate value added for consumers and enhance the quality of financial services. This study explores the effect of innovation characteristics (relative advantage, compatibility, and perceived risk), consumer characteristics (status quo bias), and social mechanisms (network externality: complementarity, numbers of peers) on consumers' adoption intention and resistance to virtual banks. This study adopted an innovation resistance model with two dependent variables: adoption intention and resistance to virtual banks. An online self-administered survey was conducted and 532 or non-users of virtual banks aged 20 to 69 years old were analyzed. Frequency analysis, descriptive analysis, and hierarchical multiple regression indicated that status quo bias, relative advantage, perceived risk, complementarity, and number of peers insignificantly influence the adoption intention regarding virtual banks. Furthermore, status quo bias, relative advantage, perceived risk, and number of peers insignificantly influence the resistance to virtual banks. Female respondents have a lower adoption intention and higher resistance to virtual banks than male respondents. The findings suggest that the innovation resistance model can be useful in understanding consumers'adoption and resistance behavior as well as reveal that innovation characteristics, consumer characteristics, and social mechanism are important antecedent variables of the innovation adoption decision.

• The Journal of Industrial Distribution & Business
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• v.13 no.4
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• pp.1-14
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• 2022

Purpose: The purpose of the study is to explore the application of Augmented Reality (AR) technology to enhance interactivity and decision making via technology-enabled experience particularly, in the context of COVID-19. This study investigated effects of perceived utilitarian value, hedonic value, social value, and perceived risk on customer satisfaction with AR technology that are rarely examined in previous studies. Research design, data and methodology: Online survey data was used in the study. This study applied factor analysis and regression analysis to test the hypotheses and employed ANOVA and mediation effect analysis to explore additional findings. Results: The results suggested that customers' perceived usefulness, arousal, social preference, innovativeness, financial risk, and performance risk have statistically significant effect on customer satisfaction. Conclusions: The findings of the study provided managerial and policy implications to develop and advertise the introduction of AR technology with the emphasis on the practical and utilitarian benefits of the technology. The result of this study highlighted the importance of customer relationship management by providing advanced services to customers through AR technology. This study contributes to technology-enabled CRM literature by providing the empirical result to verify the assumption that AR technology can be an effective tool of firms' CRM strategy

• The Journal of the Korea Contents Association
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• v.6 no.3
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• pp.75-84
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• 2006

The internet has the capabilities of supporting and facilitating several forms of consumer interaction including one-to-one, one to many, or many-to-many interactions. Especially, previous studies revealed that the Online Word-of-Mouth communication is widely used as a source of customer's information seeking and purchase decision making. Even with this importance of the Online Word-of-Mouth communication on internet, few research has systematically addressed the issue. This study investigates the effect of interpersonal communication on consumers' information search activities and develops a model that depicts the key antecedents and mediating variables of interpersonal communication in internet shopping environment. The results are as follows: First, choice uncertainty, perceived risk, and knowledge uncertainty play an important role for perceived usefulness. Second, perceived usefulness has directly affected interactive communication of consumers' communication style. Thus, it is essential for internet companies to find ways to encourage their customers to engage in word-of-mouth communication.

• Journal of Information Technology Services
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• v.16 no.3
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• pp.147-165
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• 2017

Recently, there have been numerous issues about password breaches and it is becoming important for the users to manage their passwords. In practice, the online service provider are asking the online users to change their passwords periodically. However, majority of the users are not changing their passwords regularly, and this can increase the risk of password breach. The purpose of this study is to investigate whether 'fear appeals' and 'message framing' enhance the behavior of changing passwords by the online users. Furthermore, we identify the mechanism on how the behavior of changing passwords is enabled using protection motivation theory. The results of an online experiment show that the online users who are exposed to 'fear appeals' perceived a more vulnerability and severity of password breaches, which in turn, increased the intention of changing their password. In addition, we found that perceived severity of password breaches affect fear positively. Moreover, we found that fear has significant impact on the willingness of changing passwords. Finally, Message framing plays a moderating role between fear and change intentions. That is, in a situation where 'fear appeal' is presented, it means that 'gain framing' is more effective than 'loss framing' These findings suggest that the online service providers may need to use 'fear appeals' to the online users. Security managers can address issues related to the password breaches by carefully designing 'fear appeals'.

• Journal of Information Technology Services
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• v.19 no.5
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• pp.65-81
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• 2020

This study aims to examine the effects of users' perceptions of COVID-19 risk on their seeking and processing of relevant information as COVID-19 emerges and spreads worldwide in 2019. We apply the risk information seeking and processing model (RISP Model) to verify whether users' COVID-19 related information seeking and processing behaviors have a positive effect on their preventive and information sharing behaviors. To achieve this research goal, an online survey was conducted with about 400 of social media users. The users' perceptions of risk for COVID-19 increased their perceived insufficiency of COVID-19 information. In addition, the perceived insufficiency of users' information formed a positive relationship with seeking and searching of information behaviors. The processing of COVID-19 related information has increased related preventive behaviors and sharing of information through social media. While searching for information related to COVID-19 prompted personal information sharing behaviors, it did not significantly affect preventive behaviors. Accordingly, in order to promote COVID-19 preventive behaviors as well as overall user health-related behaviors it can be inferred that additional measures are needed in addition to pursuing relevant information.

• The Research Journal of the Costume Culture
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• v.29 no.1
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• pp.1-15
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• 2021

The Internet of Things (IoT) has gained enormous popularity in various fields of industry. An IoT shopping environment is considered an effective tool for convenient use by consumers. Perceived values (including convenience and privacy risks) of IoT shopping can be the main factors that influence consumers' shopping intentions. The current study proposed a research model based on a value-based adoption model, which integrated perceived benefit and sacrifice, shopping attitude, and shopping intention in an IoT shopping environment. As potential customers, participants in their 20s and 30s were recruited through a marketing research firm. Responses collected via an online questionnaire validated the proposed research model and hypothesis. The results confirmed significant, positive relationships between perceived benefit, including both remote control and access convenience, and consumers' positive attitudes toward IoT shopping. The association between perceived privacy risk and consumers' shopping attitudes was not significant. The indirect effects of two benefits of IoT shopping on shopping intention were also significant and positive. From a practical perspective, this study can help marketers and service providers manage their IoT shopping platforms or applications more effectively to attract consumers. The implications and limitations of this study are discussed. Directions for future research and development of IoT shopping environment are suggested.

• The Journal of Information Systems
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• v.28 no.1
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• pp.97-114
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• 2019

Purpose The purpose of this study is to deduct the factors for explaining the economic behavior of an Internet user who provides personal information notwithstanding the concern about an invasion of privacy based on the Information Privacy Calculus Theory and Communication Privacy Management Theory. Design/methodology/approach This study made a design of the research model by integrating the factors deducted from the computation theory of information privacy with the factors deducted from the management theory of communication privacy on the basis of the Dual-Process Theory. Findings According to the empirical analysis result, this study confirmed that the Privacy Concern about forms through the Perceived Privacy Risk derived from the Disposition to value Privacy. In addition, this study confirmed that the behavior of an Internet user involved in personal information offering occurs due to the Perceived Benefits contradicting the Privacy Concern.

• The Journal of Industrial Distribution & Business
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• v.7 no.2
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• pp.13-20
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• 2016

Purpose - The purpose of this research is to discover whether the presence of the product average rating introduces biases or change the way people perceive information. We posit that review's overall rating has a predisposition effect on consumers' perception towards detailed review information. Research design, data, and methodology - To test these hypotheses, we conducted an empirical study on a real-world setting of online shopping platform. We choose the Amazon website to test our results. The data we use were collected by the Stanford Network Analysis Project1 (McAuley et al., 2013). Results - With a dataset containing reviews of seven product categories from amazon.com., our findings could possess more generalizability as they are produced on the typical and influential online market. Second, as our research provides alternative views of consumers' shopping behavior, it is better to test our hypotheses by data from the same source. Conclusions - Our study reveals the impact of the collective rating presence on consumers' diagnosticity perception and sheds light upon some of the conflictive results in prior studies. Our research generates implications to both theories and business practices, and suggests future directions for the research question.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2015.05a
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• pp.185-187
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• 2015

Increasingly important user based service on the smart media era, and increasing awareness about the user experience. As the connected Internet information systems increases, one of the problems happening between users and information systems such as Internet shopping-malls, portal sites, and corporate web sites is related with the information privacy concerns issues. In this research, we aim to analyze factors influencing of the invasion of privacy on continue using intention in online environment. Based on these findings, several theoretical and practical implications were suggested and discussed. Thus, we have reviewed extensive previous studies on information privacy in local and foreign information systems, marketing and other fields. The purpose of this study is to provide future directions of studies on information privacy concerns by analyzing past and recent trends of the studies.

• The Journal of Society for e-Business Studies
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• v.24 no.2
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• pp.179-197
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• 2019

Although there have been lots of studies about users' behaviors online, few have explored the mechanism of hostile behaviors. In this sense, this study aims at discovering what may elevate users' hostile behaviors. More specifically, we tried to find the relationship between flaming behavior and perception factors such as perceived risk, anonymity and expected emotional reaction. A survey was conducted to investigate the relationship of the above variables. As a result, all these variables show significant effects on flaming, and information overload are found to act as a moderator. We carefully conclude that flaming in online community can be reduced by preventing information overload each user perceives.