• Journal of Korean Society for Quality Management
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• v.45 no.3
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• pp.583-594
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• 2017

Purpose: The purpose of this study is how personal information protection risks affect the intention to use domestic smart banking services. VAM(Value based Adoption Model) model is validated as a theoretical background, selecting ease of use, usefulness and perceived security as a benefit factor, and considers perceived cost, technical complexity, and risk of personal information leakage as a sacrifice factor. Methods: The method of this study used questionnaire survey to collect 365 data on suer's perception on smart banking services, and also performed a structural equation modeling method using by AMOS 23. Results: The result of this paper shows that all hypothesis are accepted statistically significant except 1 hypothesis. Conclusion: This research is concluded that perceived value is affected on statistically positive impact on ease of use, usefulness and perceived security, and negative impact on perceived cost and risk of personal information violation, not statistically technical complexity.

• Asia pacific journal of information systems
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• v.24 no.3
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• pp.299-323
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• 2014

The reason location based service is drawing attention recently is because smart phones are being supplied increasingly. Smart phone, basically equipped with GPS that can identify location information, has the advantage that it can provide contents and services suitable for the user by identifying user location accurately. Offering such diverse advantages, location based services are increasingly used. In addition, for use of location based services, release of user's personal information and location data is essentially required. Regarding personal information and location data, in addition to IT companies, general companies also are conducting various profitable businesses and sales activities based on personal information, and in particular, personal location data, comprehending high value of use among personal information, are drawing high attentions. Increase in demand of personal information is raising the risk of personal information infringement, and infringements of personal location data also are increasing in frequency and degree. Therefore, infringements of personal information should be minimized through user's action and efforts to reinforce security along with Act on the Protection of Personal Information and Act on the Protection of Location Information. This study aimed to improve the importance of personal information privacy by empirically analyzing the effect of perceived values on the intention to strengthen location information security and continuously use location information for users who received location-based services (LBS) in mobile environments with the privacy calculation model of benefits and risks as a theoretical background. This study regarded situation-based provision, the benefit which users perceived while using location-based services, and the risk related to personal location information, a risk which occurs while using services, as independent variables and investigated the perceived values of the two variables. It also examined whether there were efforts to reduce risks related to personal location information according to the values of location- based services, which consumers perceived through the intention to strengthen security. Furthermore, it presented a study model which intended to investigate the effect of perceived values and intention of strengthening security on the continuous use of location-based services. A survey was conducted for three hundred ten users who had received location-based services via their smartphones to verify study hypotheses. Three hundred four questionnaires except problematic ones were collected. The hypotheses were verified, using a statistical method and a logical basis was presented. An empirical analysis was made on the data collected through the survey with SPSS 12.0 and SmartPLS 2.0 to verify respondents' demographic characteristics, an exploratory factor analysis and the appropriateness of the study model. As a result, it was shown that the users who had received location-based services were significantly influenced by the perceived value of their benefits, but risk related to location information did not have an effect on consumers' perceived values. Even though users perceived the risk related to personal location information while using services, it was viewed that users' perceived value had nothing to do with the use of location-based services. However, it was shown that users significantly responded to the intention of strengthening security in relation to location information risks and tended to use services continuously, strengthening positive efforts for security when their perceived values were high.

• The Journal of Korean Institute of Communications and Information Sciences
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• v.40 no.8
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• pp.1577-1587
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• 2015

Privacy of financial customers is becoming important due to frequent leakage of personal information. Financial customers, who experience the leakage of personal information, feel threatened by their privacy and this changes customer's awareness about financial institutions or behavioral intentions. By examining the influence relation of personal information security vulnerability of the bank information system with usefulness, trust and attractiveness perceived by bank customers, this study aims to analyze the effect of each variable on bank customers' willingness to stay.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.22 no.1
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• pp.595-602
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• 2021

This study evaluates the impact of an information security policy sanction, a perceived threat, and the perception of the information security climate on a compliance behavioral intention. The research method was structured with a cross-sectional study design for the prospect and goal orientation. The variables used in the analysis are information security policy sanction, perceived threat, perception of information security climate, and compliance behavioral intention. Progress in this research consists of measuring the prospect and goal orientation, and then measuring the four variables. As a result, the prospect had a significant effect on the perception of the information security climate, and it was found that the influence of the gain-based condition was greater than the loss-based condition. Goal orientation had a significant effect on the information security policy sanction, the perceived threat, and the compliance behavioral intention, and the influence of the development-based condition was greater than the stability-based condition. Both prospect and goal orientation had an interactive effect on the compliance behavioral intention. The exploration model was verified as a mediation model. In addition, the discussion includes the appropriate implications for information security based on these research results.

• Journal of Information Technology Applications and Management
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• v.18 no.1
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• pp.55-74
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• 2011

The growth in the use of ubiquitous computing based on mobile services as an enabler to conduct business more effectively has been phenomenal. Technology acceptance model (TAM) has been applied in different contexts to examine a wide range of information technologies (IT). As more and more companies are finding ways to utilize ubiquitous computing based on mobile services, an important issue is to understand what factors will impact the decisions of consumers in adopting the services. Based on TAM with three additional groups of external factors, i.e., service-related factors (ubiquitous access, context awareness) and technology-related factors (perceived security risk, network connectivity) that are theoretically justified as having influence on both perceived usefulness and perceived ease of use which are additionally considered, a research model for the investigated technology acceptance was developed and empirically examined, using responses from more than intended users of ubiquitous computing based on mobile services. The specific purposes of this study are as follows. Firstly, this study is to identify service beliefs considering unique characteristics for ubiquitous services such as perceived ubiquitous access and perceived context awareness. Secondly, this study is to investigate network characteristics beliefs such as perceived security and perceived connectivity. Thirdly, this paper investigates the relationship among variables such as ubiquitous characteristics, network characteristics, behavioral beliefs, and intention to use ubiquitous web services. This study uses a structural equation model to test the research model. The major results of this study are as follows. Firstly, ubiquitous access has a influence on perceived usefulness and perceived ease of use. Context awareness has an influence on perceived usefulness. Secondly, User familiarity has an influence on perceived usefulness and perceived ease of use, and intention to use. User innovativeness has an influence on perceived ease of use. Thirdly, perceived security risk has an influence on perceived usefulness and perceived ease of use. Network connectivity has an influence on perceived usefulness and perceived ease of use. Fourth, there exist differential effects among factors in structural model among information, transaction, and entertainment services.

• Information Systems Review
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• v.17 no.3
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• pp.39-64
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• 2015

As information and information technology become more important in competitive corporate environments, the risk of information security breaches has increased accordingly. Although organizations establish security measures to manage information security risks, members of organizations do not comply with them well, and their information security behavior intention is unclear. Therefore, to understand the information security risk management intention of the members of organizations, the present study developed a research model using Protection Motivation Theory, Supervisory Authority Pressure, and Background factors. This study presents empirical research findings based on the analysis of survey data from 201 members of financial institutions. Perceived Severity, Self-efficacy, and Supervisory Authority Pressure had a positive effect on intention; however, Perceived Vulnerability and Response Efficacy did not affect intention. Security Avoidance Habit, which was considered a background factor, had a negative effect on all parameters, and did not have an effect on intention. Security Awareness Training, another background factor, had a positive effect on information security risk management intention and perceived vulnerability, self-efficacy, response efficacy, and supervisory authority pressure, and had no effect on perceived severity. This study used supervisory authority pressure and background factors in the field of information security, and provided a basis to use supervisory authority pressure in future studies on behavior of organizations and members of an organization. In addition, the use of various background factors presented the groundwork for the expansion of protection motivation theory. Furthermore, practitioners can use the study findings as a foundation for organization's security activities, and to improve regulations.

• Journal of Information Technology Applications and Management
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• v.22 no.4
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• pp.159-179
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• 2015

In 2005, Korean government created the Internet Personal Identification Number (i-PIN) for a new online personal identification system to protect citizens' personal information against criminal abuse. However, i-PINs have not been widely in use over a decade. Although many people joined the i-PIN service, its actual use rate has been low. This study intends to identify the factors necessary to boost the continuous use of i-PINs. It was shown that government support and perceived security had a positive effect on the perceived ease of use and perceived usefulness of the i-PIN, respectively. Perceived security also directly affected the continuous use intention of the i-PIN. The perceived ease of use significantly affected the perceived usefulness, but it did not affect the intention to continuously use the i-PIN. The factor that had the most significant influence on the continuous use intention of the i-PIN was perceived usefulness. To increase the i-PIN use rate, Korean government must reduce users' anxiety through strict security functions, and must attempt to help people use the i-PIN easily.

• Journal of the Korea Society of Computer and Information
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• v.15 no.12
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• pp.163-173
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• 2010

PKI(Public Key Infrastructure)-based information certification technology has some limitations to be universally applied to mobile banking services, using smart phones, since PKI is dependent on the specific kind of web browser, Internet Explorer. OTP(One Time Password) is considered to be a substitute or complementary service of PKI, but it still shows low acceptance rate. Therefore, in this research, we analyze why OTP has not been very popular, and provide useful implications of making OTP more extensively and frequently used in the mobile environment. Perceived security of OTP was set as a higher-order construct of integrity, confidentiality, authentication, and non-repudiation. Research findings show that security awareness and perceived security of OTP is positively associated, and the relationship between perceived security and trust on OTP is statistically significant. Also, trust is positively related to intention to use OTP continuously.

• International Journal of Contents
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• v.11 no.3
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• pp.14-23
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• 2015

This paper presents the findings of a study in which students at a four-year university were surveyed in an effort to analyze and verify the differences in perceived security awareness, security-related activities, and security damage experiences when using smartphones, based on demographic variables such as gender, academic year, and college major. Moreover, the perceived security awareness items and security-related activities were tested to verify whether they affect the students' security damage experience. Based on survey data obtained from 592 participants, the findings indicate that demographic differences exist for some of the survey question items. The majority of the male students replied "affirmative" to some of the questions related to perceived security awareness and "enthusiastic" to questions about security-related activities. Some academic year differences exist in the responses to perceived security awareness and security-related activities. On the whole, freshmen had the lowest level of security awareness. Security alert seems to be very high in sophomores, but it decreases as the students become older. While the difference in perceived security awareness based on college major was not significant, the difference in some security-related activities based on that variable was significant. No significant difference was found in some items such as storing private information in smartphones and frequency of implementation of security applications based on the college major variable. However, differences among the college majors were verified in clicking hyperlinks in unknown SMS messages and in the number of security applications in smartphones. No differences were found in security damage experiences based on gender, academic year, and college major. Security awareness items had no impact on the experience of security damage in smartphones. However, some security activities, such as storing resident registration numbers in a smartphone, clicking hyperlinks in unknown SMS messages, the number of security apps in a smartphone, and the frequency of implementation of security apps did have an impact on security damage.

• The Journal of Information Systems
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• v.26 no.1
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• pp.75-91
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• 2017

Purpose Fintech has been recently drawing extensive attention all over the world as the innovative trend that will change the future of the global financial industry. However, fintech has been mostly focusing on the payment service in the embryonic stage in Korea. This paper will investigate the approach to increase the intention to use for those who do not use fintech at present. Design/methodology/approach This paper empirically analyzes the impact of innovation of users and the perceived ease-of-use and security on the intention to use through the perceived usefulness and confidence. The 255 survey responses were used to verify research hypotheses through covariate structural equation model. Findings According to the analysis results, it was found that innovation had a significant impact on the perceived usefulness, but had no significant impact on confidence. The perceived usefulness had a significant impact on perceived usefulness and confidence. Moreover, the perceived usefulness and confidence had a significant impact on the intention to use. Meanwhile, it was identified that the security perceived by those who do not use fintech had a negative impact on perceived usefulness, confidence, and intention to use related to fintech. Accordingly, fintech service providers need to determine an approach to help customers to have a positive perception on the security of fintech.