• 제목/요약/키워드: Perceived Security Risk

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모바일 서비스에 기반한 유비쿼터스 컴퓨팅의 사용자 수용에 영향을 미치는 요인 (Factors Affecting User Acceptance of Ubiquitous Computing based on Mobile Services)

  • 노미진;김병곤;박순창
    • Journal of Information Technology Applications and Management
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    • 제18권1호
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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.

모바일 간편 결제 서비스 이용 의도에 관한 연구 : 기술 수용 모델을 중심으로 (A Study on the Intention of the Use of Mobile Payment Services: Application of the Technology Acceptance Model)

  • 이수연;박조원
    • 경영과학
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    • 제33권2호
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    • pp.65-74
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    • 2016
  • The present study applies the TAM (Technology Acceptance Model) to investigate the factors that affect the intention to use the mobile payment services. For this purpose five potential variables (perceived usefulness, perceived convenience, ubiquity, innovativeness, and safety risk) that are expected to affect the intention to use the mobile payment services were selected. An online survey was administered, and 339 questionnaires were analyzed. Structure Equation Model (SEM) Analysis revealed that TAM variables (perceived usefulness and perceived convenience) partially influenced the attitude. The perceived usefulness predicted the attitude while perceived convenience did not predict the attitude toward the mobile payment service. Personal characteristics variable (innovativeness) and mobile nature variables (ubiquity, and security risk) were identified as the predictors of the attitude toward the mobile payment service. While innovativeness and ubiquity affected the attitude positively, security risk affected the attitude negatively. Finally, the analysis substantiated the influence of attitude toward the mobile payment services on the intention to use the services. On the basis of findings, managerial implications and suggestions for further studies were discussed.

Factors Affecting User Acceptance of Mobile Commerce Services

  • Jun, Jungho;Lee, Kyoung Jun;Kim, Byung Gon
    • Asia pacific journal of information systems
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    • 제26권4호
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    • pp.489-508
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    • 2016
  • Growth in the use of mobile commerce services (MCS) 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 technology. As more and more companies are finding ways to utilize MCS, an important issue is to understand what factors will affect the decisions of consumers in adopting the services. Based on TAM with two additional groups of external factors (i.e., service-related factors [ubiquitous access and contextual service] and technology-related factors [perceived security risk and network connectivity]) that are theoretically justified to affect both perceived usefulness and perceived ease of use, which are also considered, a research model for the investigated technology acceptance was developed and empirically examined. The major results of this study are as follows. First, ubiquitous access affects perceived usefulness and perceived ease of use. Contextual service affects perceived usefulness. Second, perceived security risk affects perceived usefulness and perceived ease of use. Finally, network connectivity affects perceived usefulness and perceived ease of use.

Factors affecting social commerce acceptance - Perceived risks and social networking sites (SNS) use -

  • Park, Hansil;Babicheva, Eva;Lee, Kyu-Hye
    • 복식문화연구
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    • 제26권4호
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    • pp.547-562
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    • 2018
  • As social media penetrates more deeply into people's everyday lives, social commerce (a type of commerce that combines SNS features and possibility for commercial transactions) has enjoyed unprecedented growth. Shopping on Facebook is a representative example of social commerce platform that allows consumers to interact with other users, exchange information and purchase products without leaving a Facebook page. Social commerce presents great opportunities for marketers in terms of leveraging social aspects of shopping experience. It also offers a large potential for Korean companies to reach various target markets, as well as establish their presence abroad. Yet, acceptance of social commerce as a legitimate shopping channel has been slow, and consumers are still hesitant to shop via Facebook. This study draws on uses and gratification theory and the concept of perceived risk to examine how different motives for SNS use and the associated types of perceived risks can affect the purchase intention on the platform. Empirical data from 288 young users of Facebook were analyzed. Findings identified two main motives for SNS use: information-related motive and communication-related motive. Information-related motive significantly affected the intention to shop on Facebook, whereas communication-related motive did not have any significant influence. Risks associated with shopping via Facebook included delivery risk, security risk, social risk and economic risk. Overall, consumers perceived a higher level of security and social risk associated with shopping on Facebook. However, only social risk had a significant negative influence on the purchase intention. Awareness and previous experience of buying via social commerce platform positively affected consumers' purchase intention.

Perceived Risk of COVID-19 Pandemic, Distribution of Burnout Resources, and Employees' Job

  • CAO, Tri Minh
    • 유통과학연구
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    • 제20권6호
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    • pp.33-41
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    • 2022
  • Purpose: This article presents the relationship among the perceived risk of the COVID-19 pandemic, burnout, job insecurity, and employees' job performance in Vietnam. Research design, data, and methodology: The dataset included 310 samples from Vietnamese employees through the internet (Gmail, Facebook, Google form). PLS-SEM is used on Smart-PLS software. Results: Research results show that the perceived risk of COVID-19 has a positive impact on job performance and burnout. At the same time, job insecurity positively impacts burnout and has a negative impact on job performance. The distribution of resources to many jobs (both working and worrying about losing jobs) will reduce job performance. Furthermore, the study shows that workers exposed to COVID-19 risks have higher job performance. At the same time, burnout is not a factor that reduces employees' job performance. Finally, the perceived risk of COVID-19 and job insecurity have nothing to do with each other (perceived risk of COVID-19 does not affect job insecurity). These are two factors that exist independently and in parallel. Conclusions: The authors also suggest some implications in theory and practice from these research results. The implications will reduce anxiety about risks due to COVID-19 and job security for employees.

인터넷 뱅킹의 사용자 지식, 서비스 특성, 보안요인이 지속적 고객수용에 미치는 영향 (Factors Affecting Continuous Customer Acceptance of Internet Banking)

  • 채영일
    • 한국콘텐츠학회논문지
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    • 제11권6호
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    • pp.372-384
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    • 2011
  • 본 연구는 인터넷 뱅킹 서비스가 성숙기에 접어 들면서 고객들의 인터넷 뱅킹이라는 기술을 수용하게 되는 과정과 이유 파악이 필요하며, 고객의 입장에서는 인터넷 뱅킹 서비스가 어떤 단계를 거쳐 어떻게 이용되는지 알아보고 인터넷 뱅킹의 지속적 고객수용에 영향을 미치는 외부적 요인을 실증적으로 분석하였다. 외부적 요인으로는 사용자지식, 서비스 특성, 보안, 인지된 위험, 사용편리성 그리고 유용성을 사용하였다. 실증분석을 위한 틀로서 TAM을 기초로 변형한 Ex-TAM을 재구성하여 분석하였다. 결과로서 4개의 요인 (서비스 특성, 사용편리성, 유용성, 신뢰)이 유의하게 나타났다. 반면, 2개의 요인(보안, 인지된 위험)은 유의하지 않았으며 1개의 요인(사용자 지식)은 부분적으로 유의하게 나타났다.

Acceptance and Use of Mobile Banking in Central Asia: Evidence from Modified UTAUT Model

  • IVANOVA, Aisena;KIM, Ju Yeon
    • The Journal of Asian Finance, Economics and Business
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    • 제9권2호
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    • pp.217-227
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    • 2022
  • The main purpose of this study is to analyze the adoption and use of mobile banking by university students and its potential determining factors. This study comprises 259 completed questionnaires answered through an online survey method. The respondents are Mongolian university students who have experience in using mobile banking applications. Young adults rely heavily on technology and are more likely to adopt mobile banking applications; however, there is limited research on the acceptance and use of mobile banking applications among this cohort, particularly from the perspective of Central Asian developing economies. Through using the SmartPLS 3.3 software, confirmatory factor analysis was conducted to evaluate the construct and structural equation modeling. The main results indicate that performance expectancy, effort expectancy, social influence, and facilitating conditions are the main constructs related to mobile banking technology acceptance; perceived security positively impacts perceived trust. Moreover, perceived trust is the construct of the use of mobile banking technology by the university students who responded to the questionnaire. However, the relationship between perceived risk and use behavior was not accepted.

소셜커머스 이용자들의 의복쇼핑성향과 지각된 위험이 패션제품 구매의도에 미치는 영향 (The effects of clothes shopping orientation and perceived risk on purchase intention in social commerce)

  • 김혜진;정명선
    • 복식문화연구
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    • 제23권3호
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    • pp.384-399
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    • 2015
  • The purpose of this study is to empirically investigate consumers' clothes shopping orientation factors and perceived risk factors affecting the purchase intention for fashion products in social commerce. For this study, questionnaires were given to 500 adults in their 20s~30s who had experience of using social commerce related to general products or services. To analyze the results of this study, we conducted descriptive analysis, factor analysis, reliability analysis, a chi-square independence test, and hierarchical regression analysis using SPSS 18.0. The results were as follows. First, social commerce users'clothes shopping orientations were classified into the pursuit of pleasure, brand, fashion innovation, trend, and utility, and the perceived risks were classified into the risks related to products, consumer service, loss of purchase opportunity, confidence in the web site, economy, and security. Second, clothes shopping orientation factors and perceived risk factors had a somewhat significant influence on the purchase intention for fashion products. Third, there was a significant difference between sexes regarding the influences of the clothes shopping orientation factors and perceived risk factors for the purchase intention of fashion products. Finally, this study aims to provide useful information for fashion companies to enable them to establish specific strategies that can influence consumers'purchase behaviors through social commerce.

인지된 위험의 유형이 소비자 신뢰 및 온라인 구매의도에 미치는 영향 (The Impact of Perceived Risks Upon Consumer Trust and Purchase Intentions)

  • 홍일유;김우성;임병하
    • Asia pacific journal of information systems
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    • 제21권4호
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    • pp.1-25
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    • 2011
  • Internet-based commerce has undergone an explosive growth over the past decade as consumers today find it more economical as well as more convenient to shop online. Nevertheless, the shift in the common mode of shopping from offline to online commerce has caused consumers to have worries over such issues as private information leakage, online fraud, discrepancy in product quality and grade, unsuccessful delivery, and so forth, Numerous studies have been undertaken to examine the role of perceived risk as a chief barrier to online purchases and to understand the theoretical relationships among perceived risk, trust and purchase intentions, However, most studies focus on empirically investigating the effects of trust on perceived risk, with little attention devoted to the effects of perceived risk on trust, While the influence trust has on perceived risk is worth studying, the influence in the opposite direction is equally important, enabling insights into the potential of perceived risk as a prohibitor of trust, According to Pavlou (2003), the primary source of the perceived risk is either the technological uncertainty of the Internet environment or the behavioral uncertainty of the transaction partner. Due to such types of uncertainty, an increase in the worries over the perceived risk may negatively affect trust, For example, if a consumer who sends sensitive transaction data over Internet is concerned that his or her private information may leak out because of the lack of security, trust may decrease (Olivero and Lunt, 2004), By the same token, if the consumer feels that the online merchant has the potential to profit by behaving in an opportunistic manner taking advantage of the remote, impersonal nature of online commerce, then it is unlikely that the merchant will be trusted, That is, the more the probable danger is likely to occur, the less trust and the greater need to control the transaction (Olivero and Lunt, 2004), In summary, a review of the related studies indicates that while some researchers looked at the influence of overall perceived risk on trust level, not much attention has been given to the effects of different types of perceived risk, In this context the present research aims at addressing the need to study how trust is affected by different types of perceived risk, We classified perceived risk into six different types based on the literature, and empirically analyzed the impact of each type of perceived risk upon consumer trust in an online merchant and further its impact upon purchase intentions. To meet our research objectives, we developed a conceptual model depicting the nomological structure of the relationships among our research variables, and also formulated a total of seven hypotheses. The model and hypotheses were tested using an empirical analysis based on a questionnaire survey of 206 college students. The reliability was evaluated via Cronbach's alphas, the minimum of which was found to be 0.73, and therefore the questionnaire items are all deemed reliable. In addition, the results of confirmatory factor analysis (CFA) designed to check the validity of the measurement model indicate that the convergent, discriminate, and nomological validities of the model are all acceptable. The structural equation modeling analysis to test the hypotheses yielded the following results. Of the first six hypotheses (H1-1 through H1-6) designed to examine the relationships between each risk type and trust, three hypotheses including H1-1 (performance risk ${\rightarrow}$ trust), H1-2 (psychological risk ${\rightarrow}$ trust) and H1-5 (online payment risk ${\rightarrow}$ trust) were supported with path coefficients of -0.30, -0.27 and -0.16 respectively. Finally, H2 (trust ${\rightarrow}$ purchase intentions) was supported with relatively high path coefficients of 0.73. Results of the empirical study offer the following findings and implications. First. it was found that it was performance risk, psychological risk and online payment risk that have a statistically significant influence upon consumer trust in an online merchant. It implies that a consumer may find an online merchant untrustworthy if either the product quality or the product grade does not match his or her expectations. For that reason, online merchants including digital storefronts and e-marketplaces are suggested to pursue a strategy focusing on identifying the target customers and offering products that they feel best meet performance and psychological needs of those customers. Thus, they should do their best to make it widely known that their products are of as good quality and grade as those purchased from offline department stores. In addition, it may be inferred that today's online consumers remain concerned about the security of the online commerce environment due to the repeated occurrences of hacking or private information leakage. Online merchants should take steps to remove potential vulnerabilities and provide online notices to emphasize that their website is secure. Second, consumer's overall trust was found to have a statistically significant influence on purchase intentions. This finding, which is consistent with the results of numerous prior studies, suggests that increased sales will become a reality only with enhanced consumer trust.

위험해석모델에 따른 노인의 범죄피해 두려움에 관한 연구 (Research on Fear of Criminal Victim of the Elderly Based on Risk Interpretation Model)

  • 신소영;김창호
    • 시큐리티연구
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    • 제45호
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    • pp.221-242
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    • 2015
  • 본 연구는 노인의 삶의 질에 악영향을 미치는 범죄피해두려움에 대하여 영향요인과 인과관계를 규명하여 노인대상 범죄를 예방하기 위한 방향성을 제시하는 것을 연구의 목적으로 한다. 특히, 위험해석모델을 바탕으로 구성한 범죄 위험인지와 행동적 반응을 통한 범죄두려움까지의 경로관계를 노인의 범죄두려움에도 적용할 수 있는 지 확인하였다. 분석 결과. 첫째, 사회적 특성인 무질서 요인은 범죄에 대한 인지 및 행동적 반응, 범죄두려움에 통계적으로 유의한 영향력을 가졌다. 둘째, 범죄피해경험 중 직접적 범죄피해경험은 범죄에 대한 인지에만 영향을 미쳤으나 간접적 범죄피해경험은 범죄에 대한 인지와 범죄두려움에 유의한 영향력을 가졌다. 셋째, 범죄에 대한 인지는 행동적 반응에 유의한 영향력을 가졌다. 넷째, 범죄에 대한 인지는 범죄에 대한 두려움에 유의한 영향력을 가졌다. 다섯째, 행동적 반응은 범죄에 대한 두려움에 영향을 미친다. 이와 같은 분석결과는 위험해석모델이 노인의 범죄두려움에도 적용이 된다는 것을 의미하며 사회적 특성인 무질서 요인과 개인적 특성인 범죄피해경험은 노인으로 하여금 범죄위험을 인지하게 하고 행동적 반응을 가져오게 하며 최종적으로 범죄두려움에 영향을 미치는 요인임을 알 수 있었다. 따라서 본 연구는 노인의 범죄두려움을 감소시키고 삶의 질 향상을 위해 지역사회환경에 대한 정화가 필요하며 범죄피해를 당한 노인에 대한 지원정책이 필요하다는 점을 강조하였다.

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