• Journal of Distribution Science
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• v.13 no.5
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• pp.15-22
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• 2015

Purpose - Transparency, seller reputation, and website security are considered to be important factors that influence online customer purchasing decisions in China. This paper empirically examines the relative influence of Taobao.com on customers' online purchasing decisions. Research design, data, and methodology - We perform structural equation analysis, with a sample of 306 observations. The data comes from consumers' real transaction experiences from a specific website. This gives the results of our study more generalizability than studies using subjects who are not asked to engage in real transactions. Results - The results of this study reveal that perceived security and perceived reputation are critical factors affecting consumer trust and perceived transparency is most closely associated with purchase intention. Conclusions - The findings suggest that perceived transparency plays a significant role in increasing online consumer's purchase intention. The knowledge of the relative impacts of these factors and their roles in the customer transaction experience will be useful in developing customized sales strategies. The results of this study reveal that perceived transparency exerts a stronger effect than perceived reputation on consumer purchase intentions.

• 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.

• 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.

• 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.

• Journal of Distribution Science
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• v.21 no.12
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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.

• Journal of Information Technology Applications and Management
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• v.20 no.1
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• pp.149-171
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• 2013

The purpose of this study is to investigate factors influencing Chinese consumers' intention to adopt Smartphones. This paper examines Smartphone characteristics factors (situational dependence, diversity and security) and consumer personality characteristics (innovation, self-efficacy and familarity) based on the Technology Acceptance Model. The 320 sets of data are tested against the model using SEM (structural equation model). The research results reveal that diversity and security have significant influences on both perceived usefulness and perceived playfulness. According to the data analysis, self-efficacy affects only perceived easy of use, and familiarity positively affects perceived easy of use, usefulness and playfulness. This study finds that perceived easy of use and perceived usefulness have positive influences on behavioral intention to adopt Smartphones, and situational dependence and innovation directly affect the behavioral intention. The perceived cost has a negative impact on the behavioral intention. Research results are discussed, and limitations of the current study and future research are presented.

• Journal of the Korea Society of Computer and Information
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• v.17 no.8
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• pp.145-161
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• 2012

This study aims to explore how the degree of education related to information systems and the Internet literacy affect perceived security risk and how these three variables affect online transaction intention based on the Technology Acceptance Model (TAM). Since using smartphone to purchase necessary products is increasing, the study provided two different cases of using the existing Internet and smartphone to buy products. As a result of an empirical test, the degree of information system education, internet literacy, and perceived security risk had significant effects on online transaction intention mediating perceived usefulness and perceived ease of use. Unlike the expectation, the more people have education related to information systems, the more they have knowledge about hacking or cases of privacy infringement, leading to even more concerns about security, thereby believing the Internet transactions require much effort. The more the education about information system, the more we have concerns about security; therefore, perceived security risk have a positive(+) effect on perceived usefulness not a negative(-) effect. Lastly, while the degree of education related to information systems has relations with the recognition of the usefulness of the Internet transaction, the study showed that there are no relations of recognizing the usefulness and the ease of use of smartphone.

• Fashion & Textile Research Journal
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• v.24 no.6
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• pp.731-743
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• 2022

This study examined the effects of platforms' attributes(economy, convenience, ease of use, and security) on perceived usefulness, perceived enjoyment, trust, and the continuance intention to use. Data were collected through a survey conducted with 327 users of second-hand luxury goods trading platforms in their twenties and thirties; 300 were used for statistical analysis using SPSS26.0 for exploratory factor analysis and correlation analysis, and AMOS 26.0 for confirmatory factor analysis and structural equation modeling. For the attributes of second-hand luxury goods trading platforms, four factors were extracted: economy, convenience, ease of use and security. The results showed that only the security of second-hand luxury goods platforms had a positive effect on the perceived usefulness of the platform, but other attributes did not influence perceived usefulness. In contrast, all attributes of the platform showed positive effects on perceived enjoyment. Perceived enjoyment had a strong effect on trust; however, perceived usefulness did not affect trust. The continuance intention to use the platforms was most influenced by perceived usefulness, trust, and perceived enjoyment, in that order. The current findings can help marketers of second-hand luxury goods platforms optimize the platforms' attributes based on the marketing objectives and develop strategies to build perceived usefulness and enjoyment first, and in turn, trust and intention to use.

• 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.

• The Journal of Society for e-Business Studies
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• v.16 no.3
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• pp.1-22
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• 2011

The purpose of this study is to verify the relationship between expectancy confirmation and continuance usage intention in biometric technology. We extend the continuance usage intention model, TAM and expectation confirmation theory by adding perceived privacy, perceived security and trust. Results was analyzed by using structural equations model. The results show that satisfaction and perceived usefulness have positive effect on continuance usage intention in the bright scenario. Perceived privacy and perceived security are positive factors on perceived usefulness, and perceived privacy is positive effect on perceived security. On the other hand, the respondents who are exposed to the dark scenario have negative effects on the perceived privacy, perceived security and trust. And finally, trust has no significant effect on the perceived usefulness.