• 유통과학연구
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• 제18권10호
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• pp.89-99
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• 2020

Purpose: There has been a growing focus on E-wallet adoption especially in emerging markets as it offers a convenient method for users to conduct cashless transactions. This study examines antecedents influencing the decision of Generation Z to adopt E-wallet. It looks into the effect of determining factors including compatibility, perceived convenience, perceived trust, perceived reputation, perceived usefulness, perceived ease of use and social influence on users' intention to use. The moderator role of social influence is also under examination. Research design, data and methodology: The quantitative method has been adopted to collect data from 170 Generation Z users. SmartPLS 3.0 was applied to examine the constructed hypotheses. Results: The results indicate an indirect effect between Compatibility, Perceived Ease of Use, Perceived Trust and Social Influence toward intention to adopt Electronic wallet, or both of those factors are mediated by Perceived Convenience, Perceived Usefulness, and Reputation. Moreover, research finding highlights the role of Perceived Usefulness as Generation Z's intention determinant to use E-Wallet. Conclusions: This study is substantial as it selected the promising customer segment - Generation Z to examine the factors influencing their decision to adopt Electronic wallet. Marketers can navigate which dimensions should be included in marketing campaigns to encourage Generation Z's adoption.

• 아태비즈니스연구
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• 제5권2호
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• pp.13-24
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• 2014

The objective of this research is to find out the factors affecting adoption of Internet banking in India. The data is based upon a survey of 150 bank customers using a convenience sampling technique with the aid of a structured self-administered questionnaire. The research model was analyzed using Partial Least Squares (PLS) analysis. The recommended procedures have been tested which is measurement model and structural model. Perceived Usefulness, Perceived Ease of Use, Perceived Risk, Image, Results Demonstrability, Perceived Behavioral Control and Subjective Norm were influence intention to use Internet banking. However, Perceived Ease of Use, Perceived Credibility and Computer Self Efficacy were not influence intention to use Internet banking. The findings of this study are expected to be of great use to the bank marketers. An understanding of the factors identified in this study allows bank managers to direct efforts and resources in the most effective and efficient way to increase bank business in the long run and encourage their bank customer's to adopt Internet banking. Moreover, this paper contributes to the empirical literature of diffusion of financial innovations, particularly Internet banking in a developing country, such as India.

• The Journal of Asian Finance, Economics and Business
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• 제8권1호
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• pp.901-913
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• 2021

This study examines the factors that influence the actual usage of mobile shopping applications among Generation Y (Gen Y) users in Thailand, determined by behavioral intention, compatibility, perceived cost, perceived ease-of-use, perceived usefulness, perceived risk, and personal innovativeness. The researcher carried out the analysis based on a quantitative approach and used a non-probability sampling as the convenience sampling tool. A total of 502 Gen Y respondents who experienced using the top-four ranking mobile shopping applications in Thailand were invited to participate in the study. The Structural Equation Model (SEM) and Confirmatory Factor Analysis (CFA) were used to analyze the model fit, reliability, and validity of the variables. The primary result revealed that perceived usefulness has the strongest positive significant effect on behavioral intention, followed by personal innovativeness and compatibility. Conversely, the perceived cost has a significant negative influence on behavioral intention. Besides, perceived ease-of-use has a significant positive effect on perceived usefulness. The direct relationship between perceived usefulness and behavioral intention is, however, insignificant. Similarly, the result showed no effect of perceived risk towards behavioral intention. Finally, the result also revealed that behavioral intention determined the actual usage of mobile shopping applications of Gen Y users in Thailand.

• Environmental Analysis Health and Toxicology
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• 제20권2호
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• pp.97-108
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• 2005

This study is to estimate differences, relationships and related factors of environmental risk perception and perceived benefit among residents and workers. A self-administered questionnaire survey using a structured instrument was carried out to residents and workers in industrial area during April, 2002. Total number of participants were 657 including 329 residents and 328 workers. Participants assessed environmental risk perception, self- assessed knowledge, trust in authorities and perceived benefit associated with 10 products manufactured in industrial area. There were difference in environmental risk perception, knowledge and trust in authorities and perceived benefit among residents and workers. Especially, trust in authorities and perceived benefit were statistically significant difference among residents and workers. Inverse relationships between environmental risk perception and perceived benefit have been observed for different products. In other words, the greater the perceived benefit, the lower the perceived risk, and vice versa. Factors mostly associated with participant's characteristics of environmental risk perception were age. marriage status (workers), education level (workers). There was statistically significant difference. Perceived benefit was statistically significant difference with sex, marriage status, residence duration, education level (workers). Related factors of environmental risk perception among residents and workers were age, trust in authorities. And factors affecting the perceived benefit were sex, age, education level (workers), and trust in authorities (workers). According to the results, people having high trust in the authorities perceived less risks than people having low in the authorities. To improve the communication of risk information, further study focus on assessment of experts, government and stakeholder in industrial area. Methodologies of this study can be used as the basis for investigating the structure of public perception of environmental products risks and benefit, designing a public information and risk communication program, and developing policy actions to improve acceptance.

• 한국정보기술응용학회:학술대회논문집
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• 한국정보기술응용학회 2006년도 춘계학술대회
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• pp.437-462
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• 2006

The objective of this study is to investigate what factors influence a major role in building trust on Internet shopping mall and to examine whether these factors on trust have differences between Korean and Chinese users. Based on relevant literature review, this study posits six factors of transaction security, perceived reputation, Perceived size, interactivity, propensity of trust, and familiarity as key determinants of trust in internet shopping mall. Analysis of 470 responses(Korean: 320 users, Chinese: 150 users) of survey questionnaire indicates the following; First, in terms of the relationship between influencing factors and the trust, five factors of transaction security, perceived reputation, perceived size, interactivity, and propensity to trust have a significant positive effects on the trust. Second, the differences between Korean and Chinese users are transaction security, perceived size, and familiarity. In conclusions, we suggested the factors to create user trust in internet shopping mall. Also we suggested differences in the determinant factors between Korean and Chinese users, and discussed some policies to build the trust in each user types.

• 복식문화연구
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• 제25권6호
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• pp.757-772
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• 2017

Appearance management is a serious issue for adults and young people in Korean society. People of various ages have used diverse means to improve their appearances. This study focused on dieting as an appearance management behavior in female adolescents. Dieting behaviors are not just a means to improve appearance; they may also relate to individuals' beliefs and self-control. The importance of individual psychological/personality factors cannot, therefore, be ruled out. Such factors can help explain personality factors explain "what causes a compulsive diet and what factors can alleviate it". This study reviewed the literature on perfectionism and self-control as individual personality factors, and empirically examined the effects of these variables on perceived body distortion and dieting behaviors. We performed a structural equation model analysis to verify our hypothesis. The results are as follows: we found perfectionism to be positively related to perceived body distortion and dieting behaviors; we also found self-control to be negatively related to perceived body distortion though unrelated to dieting behaviors; finally, our analysis identified a relationship between perceived body distortion and dieting behaviors. These results indicate that perfectionism and self-control should be considered when conducting guidance and counseling sessions on issues related to dieting behaviors for adolescent' appearance management. This paper concludes by discussing the study's implications and limitations.

• International Journal of Contents
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• 제14권4호
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• pp.18-23
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• 2018

Recently, the developments in IT technology and the spread of smart phones have made Fin-Tech, which is a combination of financial services and IT technology, a big issue. In accordance with the growth trend of mobile payments in the world, all financial transactions in Korea are gradually shifting to smart phones. In fact, mobile payment system services are not widely used by users. In particular, the risk factors involved when users want to use the service are one of the factors that hinder the expansion of the usage of mobile financial payment service. The risk factors affect the trust of the mobile payment system users. Therefore, this study investigates the risk factors of the mobile payment system and the manner in which it affects a user's trust. We have also examined as how user's trust affects trust in the quality of the mobile payment system. To this end, the trust in overall quality of use was largely divided into trust in system quality, trust in information quality, and trust in service quality. Perceived finance risk, perceived performance risk, and perceived privacy risk have negative effects on cognitive trust. However, perceived time risk did not affect cognitive trust. User's cognitive trust also has an effect on trust in quality.

• 한국정보시스템학회지:정보시스템연구
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• 제17권3호
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• pp.175-204
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• 2008

Ubiquitous computing is enhancing computer use by making many computers available throughout the physical environment without being noticed to the users. To facilitate successful adoption and diffusion of ubiquitous systems, it is important to find out the factors affecting their uses. Although researches related to ubiquitous computing have been vigorously conducted from the aspect of system and service provider, there have been very few studies that focus on the user's perspective. This study attempts to find out major factors which are dedicated to the development of ubiquitous systems and services and the relationships between these factors and user satisfaction factors. This study derived the specific factors that characterize ubiquitous services, such as ubiquity, contextual offer, user affinity, privacy, reliability, responsiveness, assurance, and empathy. We also considered service quality factors of ubiquitous services. Then these factors were combined with the Expectation Confirmation Theory (ECT) model and the path analysis was applied to find out the factors affecting user satisfaction and the intention to use the systems. The research findings indicate that ubiquity, contextual offer, privacy, reliability, and responsiveness affect the perceived usefulness. The perceived ease of use and confirmation were found to affect the perceived usefulness. The perceived usefulness, perceived ease of use, and confirmation fumed out to influence the satisfaction. It turned out that the result of this study on the relationship between the perceived usefulness and user satisfaction was identical with the findings in previous related ECT researches. We think this study makes two significant contributions to the development of ubiquitous services. First, this study provides basic implications for better ubiquitous services by considering important characteristics of ubiquitous systems as services. Second, this study also suggests important factors that need to be considered when ubiquitous service providers develop new ubiquitous services to improve user satisfaction and the intention to use the services.

• 한국심리학회지 : 문화 및 사회문제
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• 제17권4호
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• pp.485-503
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• 2011

테러 위험에 대한 일반인의 행동반응에 영향을 주는 심리요인들을 밝히기 위하여 인지, 사회, 정서요인들을 포함하는 구조모형을 개발하고자 하였다. 본 연구의 모형에는 테러가 발생할 가능성, 테러 여파가 주는 심각성, 그리고 테러의 여파에 대해 개인이 대처할 수 있다는 지각(인지요인)과, 테러에 대응하는 정부기관에 대한 신뢰(사회요인), 그리고 테러에 대한 두려움과 걱정(정서요인), 개인적으로 준비하거나 정보를 검색 또는 분석하고 관계망을 점검하는 행동(행동반응)에 대한 측정이 포함되었다. 주된 결과는 인지와 사회요인이 정서요인에 영향을 주며 정서요인은 행동반응에 영향을 준다는 것이다. 특히 인지요인 중 지각된 대처는 행동반응에 직·간접 영향을 주는 요인으로서, 테러에 대한 개인적 대비를 향상시키기 위해서는 지각된 대처가 중요하다는 것을 논의하였다.

• 한국컴퓨터정보학회논문지
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• 제23권9호
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• pp.141-156
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• 2018

The purpose of this study is how personal information violation risks affect the intention to use domestic cryptocurrency services. VAM(Value based Adoption Model) model is validated as a theoretical background, selecting perceived ease of use, perceived usefulness and perceived security as a benefit factors, and considers perceived cost, technical complexity, and risk of personal information violation risks as sacrifice factors. The method of this study used questionnaire survey to collect 150 data on user's perception on cryptocurrency services, and also performed a structural equation modeling method using by AMOS 23. The result of this paper shows that all hypotheses are accepted statistically significant except 2 hypothesis. This research is concluded that perceived value is affected on statistically positive impact on perceived ease of use, perceived usefulness and perceived security, and negative impact on risk of personal information violation risk, not statistically perceived fee and technical complexity.