• 한국정보시스템학회지:정보시스템연구
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• 제14권1호
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• pp.227-249
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• 2005

In this research, four antecedents of trust ad the effect of trust and perceived risk on attitude and purchase intension in internet shopping malls is investigated. In survey, data were collected from 286 male and female internet shopping mall users, and then covariance structure modeling through Amos was used to test the 10 hypotheses. The survey results as follow: First, this research shows that institution base structural assurance and situational normality and knowledge-based familiarity are important antecedents on trust in internet shopping malls. Second, trust affected attitude and purchase intension. Third, it has a negative relationship between trust and perceived risk. But perceived risk does not influence attitude and purchase intension. This study contribute to understanding on the role of trust and perceived risk in internet shopping malls.

• 산업경영시스템학회지
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• 제35권3호
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• pp.70-76
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• 2012

This research tested how the perceived risk and the trust affect the usage intention of the cloud computing. To this end, this research setups a research model and tests it with the statistic tools. In order to build the model, TAM (Technology Acceptance Model) and UTAUT (Unified Theory of Acceptance and Use of Technology) were employed and, the factors such as the perceived risk, the trust and the intention of the cloud computing use were derived. This research finds that the perceived risk does not affect the intention of usage. Also the perceived risk has the negative effect for the trust. Thus this research has the following suggestions.

• International Journal of Internet, Broadcasting and Communication
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• 제14권2호
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• pp.1-9
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• 2022

The influence of information sensitivity during the COVID-19 pandemic on perceived risk and personal preventive behaviors of consumers in China had been investigated. The participants were Chinese individuals experiencing the pandemic as it happened. Participants voluntarily completed an online questionnaire to provide their COVID-19 information sensitivity, their perceived COVID-19 risk, preventive behavior and their respective age. Our study discovered that COVID-19 information sensitivity positively influence perceived risk and preventive behavior. Moreover, young individuals show higher levels of online information sensitivity, which influenced their personal protective behavior when compared to that of middle-aged and elderly participants. Furthermore, Perceived risk significantly affected preventive behaviors. The results of this study may assist the government and marketeers in comprehending information sensitivity which can affect consumers' protective behavior toward reducing COVID-19 infections.

• The Journal of Asian Finance, Economics and Business
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• 제8권10호
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• pp.385-393
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• 2021

In an effort to find ways to increase the effectiveness of online education, literature and empirical study based on the Technology Acceptance Model (TAM) have addressed a variety of questions, including perceived ease of use (PEU) and perceived usefulness (PU). After TAM, extensive studies have focused on the impact of extrinsic factors on PEU and PU, including Self-efficacy and Perceived Risk. This study aims to analyze the direct, indirect, and moderating effects of Self-efficacy and Perceived Risk on Online Learning Intention (OLI). Data was collected through a survey method from 472 students studying at universities in Vietnam. The collected data was analyzed using the PLS-SEM technique to test the hypotheses. The findings reveal that Technology Self-Efficacy influences the intention to take online courses both directly and indirectly through Perceived Ease of Use and Perceived Usefulness. Besides, Perceived Risk COVID-19 also has a positive effect on online learning intention, and plays a role as a moderating variable on the impact of PU on OLI. These findings suggest that students will have a stronger intention to study online when they are confident in their ability to use technology. When they believe in their ability to use technology, their online learning intention will also increase.

• 한국정보시스템학회지:정보시스템연구
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• 제17권1호
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• pp.45-62
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• 2008

The purpose of this research is to investigate success factors and strategics of convergence products in Korea. The research based on existing literature regarding the innovation resistance and product bundling, examines the factors influencing consumer responses to convergence products. The research scheme was experimented through a questionnaire survey answered by 128 companies. The research model was composed of 4 groups: 1) consumer innovativeness, 2) perceived usefulness and ease of use, 3) perceived risk, 4) new product risk The results of this research reveal that consumer evaluation(consumer satisfaction and purchase intentions) are affected by consumer perceptions of risk, perceived usefulness, perceived ease of use, new product risk.

• 복식
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• 제25권
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• pp.41-62
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• 1995

This research was intended to investigate how risk perception and risk reduction behavior by consumers differ according to different product characteristics of clothing. The responses of 318 female college students living in Seoul and surrounding vicinities were collected and analyzed. Inner wear, blue-jean pants, coat were selected as representing each clothing product characteristics. Frequencies distribution, regression and correlation coefficient were utilized for statistical analysis. Results are as follows. 1. The type of perceived risk and risk reduction behavior differed according to product characteristics of clothing. Physical and performance risk were more highly perceived for the purchase of innerwear. However, for the purchase of jean pants and coat, socio-psycho-logical and economic risk were also perceived highly because the rate of fashion change, social symbolism, and coordination with other clothing items become more important characteristics. To reduce perceived risk, dependency on past purchase experiences and shop-ping were mostly preferred method regardless of product characteristics of clothing. 2. Risk type as determinant variables for predicting overall risk differed according to product characteristics of clothing. But fashionability and usefulness were common determinant risk variables, which identifies typical characteristics of clothing product.

• 복식문화연구
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• 제26권3호
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• pp.450-470
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• 2018

This study examined the risk components and risk types perceived in the context of purchasing decisions of paper fashion products. This study also identified the levels of perceived risk by consumers and the differences between age groups in risk perception. First, qualitative data were collected through a focus group interview with 7 Korean females in their 20s to 50s. The interviewees were presented with two types of paper materials (undyed and dyed Jumchi-Hanji) and products (bags and wallets) made with the papers. The interviewees mentioned 11 risk components which were classified into five types of risks: performance (easily torn/lack of durableness, lint/pilling/wear-out, lack of water-resistant, no washability, and deformation and discoloration over time), social-psychological (old and traditional image), aesthetic (lack of design diversity, unsatisfactory appearance due to repair), financial (expensive price, lack of usability in daily life) and time/convenience (difficulty in handling) risks. Based on the results of the interview, a measurement for evaluating the risk perception of paper fashion products was developed. Second, quantitative data were collected from 64 Korean women in their 20s to 50s using the measurement. Respondents who were presented with the paper materials and the products perceived the performance risk more strongly than the social-psychological risk and aesthetic risk. In addition, differences between age groups were found: younger respondents perceived performance risk and social-psychological risk more strongly than older respondents, but older respondents perceived financial risk more than younger respondents. Based on this study, strategies for the risk reduction of paper fashion products were proposed.

• 한국의류학회지
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• 제25권7호
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• pp.1247-1257
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• 2001

The objectives of the study were to examine apparel purchasing behavior in internet shopping malls and the level of perceived risk when internet users purchase online. For this research, 15,000 internet users were given questionaries via E-mail, or special website online. The sum of 1958 questionaries were used for statistical analyses. Using, SAS package, factor analysis, Crobach's ${\alpha}$, t-test, $\chi$$^2$-test, frequency and multi-response analysis were performed. As the results, 19% out of internet users had bought apparel products through internet shopping malls. Men had more purchasing experiences in apparels as well as general products than women. Among apparel products, T-shirts/shirts were purchased the most by internet shoppers. For perceived risks, 6 factors(quality risk, time/convenience risk, size and appearance risk, privacy risk and social/psychological risk) were investigated for this study. The level of perceived risk was lower when people had a purchasing experience in internet shopping mall than when they didn't. The level of perceived risk was lower when people had purchasing intend about apparels than when they didn't. Based on these results, marketing strategies will be suggested.

• 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.

• The Journal of Asian Finance, Economics and Business
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• 제8권4호
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• pp.949-958
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• 2021

This study aims to develop a theoretical model in order to determine factors affecting consumer intention to use credit cards by combining Theory of perceived risk and Technology acceptance model. Despite of perspective of consequences in prior studies on related research fields, this study focuses on the sources of perceived risk, including transaction, payment and credit risks, which are proposed and measured in a preliminary research. A measurement model and a structural model with the presence of perceived risk in sources are tested in a formal research with data collected from 538 bank customers. An analysis results show that payment risk, usefulness, transaction risk, ease of use, and credit risk influence significantly Vietnamese consumers' intention to use credit cards in decreasing order of influence. These factors account for 64.6% of the variation in intended use. All three dimensions of perceived risk have a negative effect on the intention to use, with the total impact greater than the level of influence of the other two factors of usefulness and ease of use. These findings can be beneficial to banks in enacting policies to attract more consumers and to allocate resources for improving their credit card business.