• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.2
• /
• pp.617-624
• /
• 2021

The purpose of this study is to develop a Technology Acceptance Model (TAM), to determine differences in gender perceptions in adopting non-cash transactions. In this study, the authors provide a measurement of differences in gender perceptions in adopting cashless, which refers to perceived usefulness, perceived ease-of-use, and perceived security. Respondents in this study were students from the millennial generation who are very familiar with the use of technology, especially non-cash transactions. The data collection technique used in this study was a survey, by distributing questionnaires to 260 respondents. The data were processed statistically through Structural Equation Modeling (SEM). The results of this study indicate that for men, ease-of-use of transactions does not increase the use of non-cash transactions. Meanwhile, for women, perceived ease-of-use has a significant and positive effect on the use of non-cash transactions. Furthermore, perceptions of usability and security have a positive and significant impact on using non-cash transactions. It was also found that female students had a positive, but not significant, effect on the use of non-cash transactions. This means that there has been a difference in the perception of gender, between men and women, in responding to the use of non-cash transactions.

• International Journal of Internet, Broadcasting and Communication
• /
• v.16 no.1
• /
• pp.226-232
• /
• 2024

This study attempted to demonstrate the role of perceived value and trust in the relationship between mobile banking service quality and use satisfaction. A survey was conducted on customers of Mongolian banks, and an analysis was conducted based on the collected data With the development of the fintech industry, the Internet-based mobile banking market is striving to provide convenient services to consumers. The result led to the introduction of an online-oriented Internet bank that can operate 24 hours a day regardless of time and space. The characteristic of operating only with the Internet has a positive aspect of providing services quickly and conveniently, but at the same time, including concerns about security and personal information leakage. This can make you hesitate to use the service. Therefore, we attempted to find out how the quality of mobile banking service affects the perceived value and satisfaction of using trust. A survey was conducted to verify the contents of the research model and hypothesis. This is to secure data to be used for empirical analysis of research hypotheses. The survey was conducted with 124 consumers in Ulaanbaatar, the capital of Mongolia. Based on the analysis results, we understood the satisfaction of consumers using mobile banking and suggested ways for consumers to improve their actual satisfaction using mobile banking. Specifically, service quality sensitivity, security, convenience, and design had a positive effect on perceived value or trust, ultimately leading to consumer satisfaction.

• Information Systems Review
• /
• v.18 no.4
• /
• pp.17-42
• /
• 2016

Information security incidents caused by authorized insiders are increasing in financial firms, and this increase is particularly increased by outsourced contractors. With the increase in outsourcing in financial firms, outsourced contractors having authorized right has become a threat and could violate an organization's information security policy. This study aims to analyze the differences between own employees and outsourced contractors and to determine the factors affecting the violation of information security policy to mitigate information security incidents. This study examines the factors driving employees to violate information security policy in financial firms based on the theory of planned behavior, general deterrence theory, and information security awareness, and the moderating effects of employee type between own employees and outsourced contractors. We used 363 samples that were collected through both online and offline surveys and conducted partial least square-structural equation modeling and multiple group analysis to determine the differences between own employees (246 samples, 68%) and outsourced contractors (117 samples, 32%). We found that the perceived sanction and information security awareness support the information security policy violation attitude and subjective norm, and the perceived sanction does not support the information security policy behavior control. The moderating effects of employee type in the research model were also supported. According to the t-test result between own employees and outsourced contractors, outsourced contractors' behavior control supported information security violation intention but not subject norms. The academic implications of this study is expected to be the basis for future research on outsourced contractors' violation of information security policy and a guide to develop information security awareness programs for outsourced contractors to control these incidents. Financial firms need to develop an information security awareness program for outsourced contractors to increase the knowledge and understanding of information security policy. Moreover, this program is effective for outsourced contractors.

• Convergence Security Journal
• /
• v.19 no.2
• /
• pp.47-58
• /
• 2019

This study applied the Theory of Reasoned Action by Fishbein & Ajzen(1975) as the grounded theory and adopt sanctions of the General Deterrent Theory and protection motivation of the Protection Motivation Theory as the antecedents to discuss the theoretical factors and the cases of application in the field of information security. Then, it adopted subjective norm, a variable of the Theory of Reasoned Action, as a parameter to analyze the causality of sanctions, perceived vulnerability, response cost, and self-efficacy with the intention to follow the information security policies. As a result, all of the antecedents except for sanctions had causality with the intention and subjective norm proved its mediating effect as a parameter between the antecedents and the intention.

• The Journal of Society for e-Business Studies
• /
• v.18 no.1
• /
• pp.147-164
• /
• 2013

For the continuous information security governance, we have to focus on not just technical aspects like access control and DRM, but informal level management like information security(IS) behavior, culture, and personal value. But there are few informal level studies, while many formal level studies of IS governance or technical means. This study is an empirical test that how IS culture, normal beliefs, personal behavior and value affect employee's deviant behavior. And we define a lack of an awareness of value and importance on IS regulations in organizations as "Information Security Anomie" with the concept of anomie, a viewpoint on social organization.

• Journal of Information Technology Services
• /
• v.14 no.1
• /
• pp.53-68
• /
• 2015

This article aims to identify the quality factors of public data which have increased as a public issue; analyze the impact of users satisfaction in the perspective of Technology Acceptance Model (TAM), and investigate the effect of service satisfaction on the government's open policy of public data. This study is consistent with Total Data Quality Management (TDQM) of MIT, it focuses on three main qualities except Contextual Data Quality (CDQ) and includes seven independent variables : accuracy, reliability, fairness for Intrinsic Data Quality (IDQ), accessibility, security for Accessibility Data Quality (ADQ), Consistent representation and understandability for Representational Data Quality (RDQ). Basing on TAM, the research model was conducted to examine which factors affect to perceived usefulness, perceived ease of use, service satisfaction and how service satisfaction affects to the government's open policy of public data. The results showed that accuracy, fairness, understandability affect both perceived ease of use and perceived usefulness; while reliability, consistent representation, security, and accessibility affect only perceived ease of use. This article found that the influence of perceived ease of use on perceived usefulness and the influence of these two causes on service satisfaction in the perspective of TAM were significant and it was consistent with prior studies. The service satisfaction when using public data leads to the reliability of public data open policy. As an initial study on unstructured public data open policy, this article offered quality factors that pubic data providers should consider and also present the operation plan of public data open policy in the future.

• Journal of Digital Contents Society
• /
• v.19 no.1
• /
• pp.93-102
• /
• 2018

This study aims to present policy implications by analyzing information security behavior factors of internet users. The research model, based on PMT and UTAUT2, consists of perceived threat, severity, social influence, self-efficacy, experience and habits, PC and privacy behaviors, security behaviors on new services and set demographic characteristics, use places of internet, use of paid products, and experiences of accident as moderate variables to analyze the effect on security behavior. The results showed that perceived severity, self-efficacy significantly influenced on experience and habits, and experience and habits and self-efficacy had a high influence on PC and privacy behavior. Also, PC and privacy behaviors have a high impact on security behavior of new services. Age, income, use of paid products, and experience of accidents have a moderating effects on security behaviors. The results of this study are expected to help policy decision making to improve the level of information security of internet users.

• Journal of Digital Convergence
• /
• v.11 no.11
• /
• pp.1-13
• /
• 2013

Every big online security breach seems to end in a big lecture. Thus, although a predominant weakness in properly securing information assets is the individual user within an organization, much of the focus of extant security research is on technical issues. The purpose of this study is to explain why insiders breach security policy by applying the moral disengagement theory. There are no consistent, widely accepted theories or theoretical frameworks in the literatures as to why insiders breach of information security, and therefore no clear, effective guidance on what to do to prevent employees from violating information security policy in organization. To do this, we theorize that moral disengagement may play a mediating role connecting stable individual differences to intention to breach security policy, because of some of the individual differences. We found that policy awareness and perceived punishment have a negatively significant effect on moral disengagement. However, negative affectivity has a positively significant influence on moral disengagement. Furthermore, moral disengagement has a positive effect on intention to breach security policy. Conclusions and implications are discussed.

• Asia pacific journal of information systems
• /
• v.27 no.3
• /
• pp.156-175
• /
• 2017

The proposed conceptual framework is based in the relationships among knowledge of personal information security, trust on the personal information security policies of parcel delivery service companies, privacy concern, trust in and risk of parcel delivery services, and user satisfaction with parcel delivery services. Drawing upon both cognitive theory of emotion and cognitive emotion theory that complement each other, we propose a research model and examine the relationships between cognitive and emotional factors and the usage of parcel delivery services. The proposed model is validated using data from customers who have previously used parcel delivery services. The results show a significant relationship between the cognitive and affective factors and the usage of parcel delivery services. This study enhances our understanding of parcel delivery services based on the consumers' psychological processes and presents useful implications on the importance of privacy and security in these services.

• The Journal of Korean Association of Computer Education
• /
• v.23 no.1
• /
• pp.63-75
• /
• 2020

From the perspective of compliance with security policies by members of the organization, which is a major cause of security incidents, this study presented biased thinking as factors that affect compliance with security policies and verified the following: First, the impact of biased thinking on security policies on compliance with security policies is verified. Second, the participation of management, perceived risk, education and punishment of management will verify the adjustment effect of increasing or decreasing biased thinking. Finally, we have verified that compliance attitudes have a significant impact on compliance behavior. To this end, 157 people were surveyed, statistical analysis of research models and structural equations, and conformity analysis were conducted. Studies have shown that biased thinking has a negative effect on the attitude of compliance with information security. In addition, it was analyzed that the attitude of compliance with information security policy increases policy compliance behavior. On the other hand, the higher the perceived risk of information security, the lower the bias was the adjustment effect, but management's participation, education and punishment were found to have no adjustment effect.