• 유통과학연구
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• 제21권12호
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• pp.59-69
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• 2023

Purpose: Consumers can experience better service for distribution of products with payment technology such as QRIS (Quick Response Code Indonesian Standard) compared to conventional purchase methods. This research aims to determine the experience of QRIS service users in Indonesia. Perceived Usefulness, Ease of Use, and Perceived Security were independent factors. Behavioral Intention to Use is the dependent variable. Furthermore, Word of Mouth Attitude is an intervening variable. Research Design, Data, and Methodology: Involving active QRIS users in a survey-based quantitative study in Indonesia. A survey sample of 400 people was taken from data records of 30.87 million QRIS users in Indonesia. Data were analyzed using SEM-PLS. Results: Show that Perceived Usefulness and Perceived Ease of Use significantly impact Attitudes Word of Mouth, and Behavioral Intention to Use. This research also found that Behavioral Intention to Use does not significantly impact Perceived Security. Conclusion: QRIS, as a revolutionary innovation, offers faster payments than previous methods, with a payment time of no more than one minute. QRIS is seen as valuable, simple, and safe, disseminating information to the public and continuing to use QRIS. The implications of this research are very significant in accelerating the flow of distribution of goods and services and facilitating transactions.

• 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.

• 디지털콘텐츠학회 논문지
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• 제19권8호
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• pp.1515-1525
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• 2018

4차 산업혁명 시대의 보안은 안전의 문제로 확대되고 있으나, 기업의 정보보호 제반환경은 여전히 열악한 수준이다. 본 연구는 정보보호 투자의도 요인을 실증 분석하여 정책적 시사점을 제안 하고자 한다. 이에 정보보호 실태, 보호 행동이론을 고찰하고 UTAUT를 확장하여 연구 모델을 설계하고 가설을 검증하였다. 분석 결과는 정보 자산이 촉진조건에 영향을 미치고, 인지된 우려와 신규 우려가 사회적 영향에 영향을 미치는 것으로 나타났다. 사회적 영향은 경험과 습관에 영향을 미치지만, 정보보호 투자 의도에 미치는 영향은 기각되었다. 촉진조건, 경험 및 습관이 정보보호와 신규서비스 정보보호 투자의도에 가장 높은 영향을 미치는 것으로 나타났다. 하지만, 인지된 우려와 신규 우려가 정보보호 투자의도에 미치는 영향은 낮거나 기각되었다. 업종, 규모, 정보보호 조직 구성, 침해사고 경험, 정보보호 인력 비율, 개인정보 건수에 따라 집단 간 조절 효과가 있었다. 본 연구가 기업의 정보보호 수준 제고를 위한 정책 수립에 도움을 줄 수 있기를 기대한다.

• Asia pacific journal of information systems
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• 제30권2호
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• pp.308-327
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• 2020

The importance of information security is increasing, and various efforts are being made to improve users' information security behaviors. Among these various efforts, information security education is mainly aimed at providing users with information security knowledge and improving information security awareness. This study classified the types of information security education into offline and online to examine the effects of each education method on attitudes toward information security (perceived severity, vulnerability, self-efficacy and response-efficacy) and information security behaviors. A survey was conducted for users with information security education experiences. The results obtained by comparing the differences in the path coefficients of personal information security behaviors according to information security education experiences showed that security behaviors were more significant in the online experience group than the offline group. In addition, gender differences were analyzed, and it was found that females had a greater impact on information security attitudes than males. This study also found that among Internet users with online information security education experience, females tend to have more information security behavior than males, but there were contrasting results among users with offline information security education experiences. The results of this study finally address the necessity of reflecting users' personalities in the systematic design of information security education in the future. Furthermore, the results of this study support the need for an appropriate education system that sufficiently understands education types to maximize the effects of information security education.

• Asia pacific journal of information systems
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• 제17권2호
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• pp.29-47
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• 2007

Owing to the rapid growth of using the Internet, not only click-and-mortar companies but also brick-and-mortar ones have been expanding their distribution channels into online, Moreover, since online channels are more attractive than offline ones in control and maintenance, switching customers into online ones is emerged as one of very important managerial issues in a view of reduction of cost as well as expansion of services. However, the switched customers should be faced by uncertainties which could not have been experienced in offline. Specifically, in online channels, buyers and sellers are separated temporally and spacially and there are always so many kinds of threat for security as well as not enough systems and conventions for them yet. Therefore, trust has been considered as one of the most critical mechanisms for resolution of such uncertainties in online transactions. However, it is not easy to build and maintain the relationships in online since most of them are virtual and indirect generally. Therefore, in order to switch offline customers into online ones, it is very important to make strategies based on identification of the relationship between online transaction and offline trust which has been built in offline business. Generally offline trust, which has been built independent of online, could not include trust for online-dependent activities such as payment security during or after transactions, while most of online trust include it. Therefore, a customer with high offline trust does not always perceive high security and assure safe transactions. Accordingly, while online trust, where technical capabilities for online security is one of main bases, includes control trust implicitly or explicitly, offline trust does not. However. in spite of such clear discrimination and independence between offline trust and perceived security, there can be the significant dependency between these two beliefs. The customers with high offline trust believe that the company would do some activities for online security for customers' safe transactions since it has been believed of doing well for customers' trust. Theoretically, users' perception of security is interpreted as a kind of control trus, which is trust for company's technical control capacities in order to resolve technical uncertainties in online. Therefore, the relationship between two beliefs can be considered as transference from offline trust to another type trust. that is, control trust. The objective of this study is to analyze the effect of offline trust on online transaction uses mediated by perceived security. For this purpose, we suggest a research model based on technology acceptance model (TAM). Reuse intention is adopted as a dependent variable and TAM is modified by adding perceived risk (PR) as well as two beliefs of using Internet banking, perceived usefulness (PU) and perceived ease of use (PEOU). Moreover, perceive security (PS) is adopted as an external variable for PR and PU, while offline trust (OT) is an antecedent of PS. For an empirical test, sampling from 108 visitors to the banks in Daegu, Korea, we analyze our model by partial least square (PLS) approach. In result, our model is shown to explain 51.4% of the variance in reuse intention and all hypothesis are supported statistically. A theoretical implication of this study is to identify a role of PS between offline trust and reuse intention of using online transaction services. According to our result, PS can be considered as a mediation variable for bridging between two different concepts: trust that explains social aspects of customers and companies, and TAM that explains customers' reuse intention.

• Asia pacific journal of information systems
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• 제31권2호
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• pp.236-256
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• 2021

Online financial technology products are an important consumer finance innovation. While a large body of previous research has focused on initial adoption and consumer willingness to use these products, little research explores the continued use of these products beyond the initial adoption phase. In particular, special attention should be paid to how users' trust and perceptions of privacy and security affect continued use behavior. This paper integrates the expectation confirmation model of information system continuance (ECM-ISC), the information system success model (ISSM) and the security and trust literatures to investigate continued use of online financial technology. To test the research model, we collected 398 valid questionnaires from Ant Credit Pay users. The research results show that system and service quality positively impact users' expectation confirmation, while information quality has no significant impact. Expectation confirmation and perceived usefulness positively affect user satisfaction. Moreover, the user's perception of privacy and security plays a vital role in user satisfaction. Satisfaction and perceived trust jointly promote users' continuance behaviors. Findings of this study indicates the importance of the information system success factors and security factors due to their influence on the continued use of Fintech products. This conclusion has implications for enterprises in improving the product qualities and enhancing the degree of security to meet user needs.

• 경영과정보연구
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• 제35권1호
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• pp.207-233
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• 2016

최근 모바일 어플리케이션을 기반으로 하는 모바일 메신저 산업이 빠른 성장세에 있다. 그리고 단순히 메신저를 공유하던 형태를 넘어 개인에게 맞춤형 정보를 제공하는 다양한 형태의 서비스를 제공하게 되면서 혁신적인 변화를 일으키고 있다. 또한 메신저 보안이 개인화되고 지능화된 기능을 통해 더 다양한 모바일 어플리케이션의 보안에 대한 중요성이 증가되고 있다. 본 연구는 국내 모바일 메신저 이용자들이 어플리케이션 서비스 이용요인들에 대해 파악하고 이들 요인이 모바일 보안에 대한 보안인식과 보안태도를 통해 개인정보보호행동에 영향을 미치는 요인들에 인과관계를 실증 연구하고자 한다. 이를 위해 인간의 본연적인 내재적 동기를 강조한 자기결정성(SDT: Self-Determination Theory) 이론의 주요 변수들을 적용한 연구모형을 제시하였다. 본 연구의 연구모형을 실증적으로 검증하기 위해 모바일 메신저를 이용한 경험이 있는 일반인과 대학생들을 대상으로 설문조사를 실시하였다. 연구결과 첫째, 지각된 자율성은 보안인식과 보안의도에 유의한 영향을 미치는 것으로 나타났다. 둘째, 지각된 유능성은 보안의도에 유의한 영향을 미치는 것으로 나타났다. 셋째, 지각된 관계성은 보안인식과 보안의도에 유의한 영향을 미치는 것으로 나타났다. 마지막으로, 보안인식과 보안의도는 개인정보 보호행동에 유의한 영향을 미치는 것으로 나타났다. 이를 통해 개인의 메신저의 보안의 중요성을 강조하고 소비자들에게 필요한 보안지침 개발을 위한 긍정적인 역할을 하는데 기여하고자 한다.

• International Journal of Computer Science & Network Security
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• 제21권8호
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• pp.317-326
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• 2021

This study aims to examine the factors that affect the intention of merchants to adopt mobile payments in Saudi Arabia. The underlying model used in the study is the technology acceptance model, which includes two factors: perceived ease of use and perceived usefulness. The effects of trust, cost, and compatibility are also examined because these are among the common factors used based on the literature. An online questionnaire was completed by 242 merchants in Saudi Arabia who had already adopted mobile payment services. A significant relationship was identified between perceived usefulness and compatibility in terms of merchants' intention to adopt mobile payment systems, while an insignificant relationship was identified with perceived ease of use, trust, and cost.

• 한국IT서비스학회지
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• 제11권3호
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• pp.17-38
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• 2012

Social network service(SNS), provided by social network sites such as Facebook, Twitter and Cyworld is rapidly growing in online business. Furthermore, many companies have growing interests in finding effective ways to use SNSs for their innovations, marketing and advertisement. In fact, firms have recognized the utility value of the SNS for their business. In this aspect, this study attempts to identify key factors influencing the intention to continuous use of SNSs. Based on the UTAUT(the Unified Theory of Acceptance and Usage of Technology)model, this study proposes the research model, including the effects of social network service characteristics(social relationship support, information sharing, image expression) and individual characteristics(self-disclosure, extroversion, familiarity) on performance expectancy as well as the moderating effect of perceived information security among UTAUT variables. The 412T sets of data collected in a survey were tested against the modeling using SEM using SmartPLS. Results indicated that social network service and individual characteristics had significant effect on performance expectancy with exception of self-disclosure. In addition, the moderating effect of perceived information security had significant effect. The results had important implications for firms providing SNSs hoping to develop a successful business model.

• 디지털융복합연구
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• 제17권2호
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• pp.127-134
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• 2019

본 연구에서는 관광객을 대상으로 스마트폰 모바일뱅킹 서비스에 대한 행동 의도에 미치는 영향 요인들을 탐색하고자 한다. 모바일 인터넷 기술의 발전과 스마트 폰의 보급으로 인해 스마트폰 기반의 모바일뱅킹에 대한 관심과 보급이 대중화되고 있다. 이러한 상황에서 본 연구에서는 독립변수로서 기대 성과, 사회적 영향, 촉진 조건, 인지된 재정적 비용, 습관, 인지된 보안 수준을, 그리고 종속변수로서 사용자의 이용행동의도 사이의 관계를 분석하였다. 본 연구에서는 제주국제공항에서 중국 관광객을 대상으로 203명의 응답자를 대상으로 분석을 실시하였고, Smartpls 3.0으로 독립변수들의 영향 정도를 파악하였다. 분석 결과 인지된 보안 수준 및 습관이 행동 의도에 긍정적인 영향을 미침을 알 수 있었다. 특히 인지된 보안을 최근에 스마트폰 기반 모바일뱅킹의 중요한 이슈라는 점에서 본 연구 결과에 부합된다. 본 연구는 관광객 대상으로 스마트폰 기반 모바일 뱅킹 서비스의 행위 요인에 대한 분석이라는 점에서 의의를 가진다.