• 제목/요약/키워드: Perceived risk theory

검색결과 141건 처리시간 0.025초

Intension to Use Mobile Banking: An Integration of Theory of Planned Behaviour (TPB) and Technology Acceptance Model (TAM)

  • Amrutha Sasidharan;Santhi Venkatakrishnan
    • KSII Transactions on Internet and Information Systems (TIIS)
    • /
    • 제18권4호
    • /
    • pp.1059-1074
    • /
    • 2024
  • The paper is an attempt to study the individual's intention to use mobile banking. In light of the results obtained from the study, the proposed model offers a better fit with the data and explains the intention of individuals to use mobile banking services. Government support, trust, and compatibility significantly contribute to the Perceived behavioral control of a bank customer to use mobile banking while Perceived ease of use, Perceived usefulness, Security and privacy, and risk have a significant positive impact on the attitude of the individuals to utilize mobile banking service. The study uses primary data and the final instrument was administered to 950 respondents, across the country of which 904 data were used for the analysis after editing to accommodate the missing values. The study has adopted structural equation modeling approach to analyze the relationships between the variables in the study. The proposed framework in this study can be utilized to identify the factors that promote the adoption of mobile banking practices and the study also has the potential to provide updated and comprehensive literature on mobile banking, which can accelerate future research in this field.

업무 환경에서 생성형 AI 사용 의도에 영향을 미치는 촉진 요인과 저해 요인 분석 (Enablers and Inhibitors of Generative AI Usage Intentions in Work Environments)

  • 박준성;박희준
    • 품질경영학회지
    • /
    • 제52권3호
    • /
    • pp.509-527
    • /
    • 2024
  • Purpose: This study aims to investigate the factors influencing the adoption of Generative AI in the workplace, focusing on both enablers and inhibitors. By employing the dual factor theory, this research examines how knowledge support, customization, entertainment, perceived risk, realistic threat, and identity threat impact the intention to adopt Generative AI technologies such as ChatGPT. Methods: Data were collected from 192 participants via MTurk, all of whom had experience using Generative AI. The survey was conducted in June 2024, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to ensure the validity and reliability of the measurement model. Attention-check questions were used to ensure data quality, and participants provided demographic information at the end of the survey. Results: : The findings reveal that knowledge support and entertainment significantly enhance the intention to adopt Generative AI, whereas realistic threat poses a substantial barrier. Customization, perceived risk, and identity threat did not significantly affect adoption intentions. Conclusion: This study contributes to the literature by addressing the gap in understanding the adoption mechanisms of Generative AI in professional settings. It highlights the importance of promoting AI's knowledge support and entertainment capabilities while addressing employees' concerns about job security. Organizations should emphasize these benefits and proactively mitigate perceived threats to foster a positive reception of Generative AI technologies. The findings offer practical implications for enhancing user acceptance and provide a foundation for future research in this area.

AI의 혜택 및 위험성 인식과 AI에 대한 태도, 정책 지지의 관계 (Perceptions of Benefits and Risks of AI, Attitudes toward AI, and Support for AI Policies)

  • 이자연
    • 한국콘텐츠학회논문지
    • /
    • 제21권4호
    • /
    • pp.193-204
    • /
    • 2021
  • 정부가 '전산업 AI 활용, 전국민 AI 교육'을 국가적 과제로 추진하고 있는 가운데, 본 연구는 설문 자료 분석을 통해 국민의 AI 정책에 대한 지지에 영향을 끼치는 요인들을 파악하고자 하였다. 구체적으로 위험-혜택 이론과 이중처리 이론에 기반해 사람들이 지각하는 AI의 상반된 특성들이 어떻게 혜택 및 위험성 인식으로 연결되며 AI에 대한 전반적 태도와 AI 산업 육성 및 교육 정책의 지지로 이어지는지 구조방정식 모형을 통해 탐색하고, 그 과정에서 혜택/위험성 인식 및 태도가 매개 변인으로서 기능하는지 살펴보았다. 분석 결과, AI의 알려진 특성들 가운데 인지된 유용성이 AI의 혜택 인식을 구성하는 주요소였으며 이 혜택 인식이 AI에 대한 태도를 거쳐 AI 정책 지지로 유의하게 이어진다는 점이 드러났다. 또한 혜택 인식과 AI에 대한 태도가 지각된 유용성을 AI 정책 지지로 잇는 매개 역할을 유의하게 수행하는 것을 알 수 있었다. 인지된 오락성은 AI에 대한 긍정적 태도로 유의하게 이어졌지만 AI의 혜택으로 인식되지는 않았다. 인지된 사생활 침해는 AI의 위험성 인식을 예측하는 주된 요인이었지만 위험성 인식은 AI에 대한 태도나 AI 정책 지지와 유의한 관계를 보이지 않았다. 결론적으로 AI 개발 지지 여부를 결정짓는 가장 강력한 요인은 혜택에 대한 인식이며, 혜택 인식을 유의하게 예측한다는 점에서 유용성 지각의 중요성을 알 수 있었다.

Hong Kong Chinese Women's Lay Beliefs about Cervical Cancer Causation and Prevention

  • Wang, Linda Dong-Ling;Lam, Wendy Wing Tak;Wu, Joseph;Fielding, Richard
    • Asian Pacific Journal of Cancer Prevention
    • /
    • 제15권18호
    • /
    • pp.7679-7686
    • /
    • 2014
  • Background: This study aimed to seek insights into Chinese women's lay beliefs about cervical cancer causal attributions and prevention. Materials and Methods: Twenty-three new immigrant adult women from Mainland China and thirty-five Hong Kong adult women underwent semi-structured in-depth interviews. Interviews were audio taped, transcribed and analyzed using a Grounded Theory approach. Results: This study generated three foci: causal beliefs about cervical cancer, perceived risk of cervical cancer, and beliefs about cervical cancer prevention. Personal risky practices, contaminated food and environment pollution were perceived as the primary causes of cervical cancer. New immigrant women more likely attributed cervical cancer to external factors. Most participants perceived cervical cancer as an important common fatal female cancer with increased risk/prevalence. Many participants, particularly new immigrant women participants, expressed helplessness about cervical cancer prevention due to lack of knowledge of prevention, it being perceived as beyond individual control. Many new immigrant participants had never undergone regular cervical screening while almost all Hong Kong participants had done so. Conclusions: Some Chinese women hold pessimistic beliefs about cervical cancer prevention with inadequate knowledge about risk factors. Future cervical cancer prevention programs should provide more information and include capacity building to increase Chinese women's knowledge and self-efficacy towards cervical cancer prevention.

Influence of Illness Uncertainty on Health Behavior in Individuals with Coronary Artery Disease: A Path Analysis

  • Jeong, Hyesun;Lee, Yesul;Park, Jin Sup;Lee, Yoonju
    • 대한간호학회지
    • /
    • 제54권2호
    • /
    • pp.162-177
    • /
    • 2024
  • Purpose: This study aimed to investigate the influence of uncertainty-related factors on the health behavior of individuals with coronary artery disease (CAD) based on Mishel's uncertainty in illness theory (UIT). Methods: We conducted a cross-sectional study and path analysis to investigate uncertainty and factors related to health behavior. The study participants were 228 CAD patients who visited the outpatient cardiology department between September 2020 and June 2021. We used SPSS 25.0 and AMOS 25.0 software to analyze the data. Results: The final model demonstrated a good fit with the data. Eleven of the twelve paths were significant. Uncertainty positively affected danger and negatively affected self-efficacy and opportunity. Danger had a positive effect on perceived risk. Opportunity positively affected social support, self-efficacy, perceived benefit and intention, whereas it negatively affected perceived risk. Social support, self-efficacy, perceived benefit and intention had a positive effect on health behavior. We found that perceived benefit and intention had the most significant direct effects, whereas self-efficacy indirectly affected the relationship between uncertainty and health behavior. Conclusion: The path model is suitable for predicting the health behavior of CAD patients who experience uncertainty. When patients experience uncertainty, interventions to increase their self-efficacy are required first. Additionally, we need to develop programs that quickly shift to appraisal uncertainty as an opportunity, increase perceived benefits of health behavior, and improve intentions.

자살의 대인관계 이론에서 회복력 요인의 조절효과 검증; 대학생을 대상으로 (Moderation Effect of Resilience Factor in Interpersonal Theory of Suicide; in University Students)

  • 조윤정;육성필;김은주
    • 디지털융복합연구
    • /
    • 제16권6호
    • /
    • pp.223-232
    • /
    • 2018
  • 본 연구의 목적은 자살의 대인관계이론에서 위험요인인 좌절된 소속감, 인식된 부담감과 자살생각과의 관계에서 잠재적 회복력 요인인 희망과 자기용서의 역할을 검증하는 것이다. 연구기간은 8개월이었으며, 연구대상은 서울과 경기권의 대학생 316명이다. 연구방법은 인식된 짐스러움, 좌절된 소속감과 자살생각 그리고, 조절변수인 자기용서와 희망 간에 관계성을 알아보기 위하여 상관분석을 실시하였으며, 결과는 모두 유의미하였다. 인식된 짐스러움과 자살생각과의 관계에서 자기용서가 조절효과가 있는지, 좌절된 소속감과 자살생각과의 관계에서 희망이 조절효과가 있는지 검증하였다. 분석결과는 자기용서와 희망 모두 조절효과가 있는 것으로 나타났다. 본 연구에서 얻어진 결과는 대학생들을 위한 자살예방교육과 자살을 생각하는 대학생을 위한 상담을 실시함에 있어서 자살의 회복력 요인인 희망과 자기용서를 적용할 수 있을 것이다. 추후 더 많은 회복력 요인을 탐색하는 연구를 지속하여 자살의 위험요인과 함께 다양한 회복력 요인을 포함한 자살위험성평가, 자살예방교육, 자살위기상담, 그리고 최종적으로 우리나라 자살예방정책수립에 기여할 수 있을 것이다.

금융기관 종사자들을 정보보안 위험관리로 이끄는 요인 (Factors Drawing Members of a Financial Institution to Information Security Risk Management)

  • 안호주;장재영;김범수
    • 경영정보학연구
    • /
    • 제17권3호
    • /
    • pp.39-64
    • /
    • 2015
  • 기업들은 정보보안 위험을 관리하기 위해 보안대책을 수립하고 있지만 직원들은 이를 잘 지키려하지 않고, 그들의 정보보안 행동의도는 명확하게 규명되지 않았다. 본 연구는 금융기관 구성원들의 정보보안 위험관리 의도를 이해하기 위해 보호동기이론과 감독 당국의 압력 그리고 보호동기의 근원이 되는 배경요인(근원정보)을 사용해서 연구모형을 개발했다. 금융기관 구성원 201명의 설문조사 자료를 분석해 실증적인 연구결과를 제시했다. 인지된 심각성, 자기 효능감 그리고 감독 당국의 압력은 정보보안 위험관리 의도에 정(+)의 영향을 주었고, 인지된 취약성과 반응 효능감은 의도에 영향을 주지 못했다. 배경요인으로 고려한 보안회피습관은 모든 매개변수에 부(-)의 영향을 주었지만 의도와의 직접적인 영향관계를 확인하지는 못했다. 보안인식교육은 정보보안 위험관리 의도와 인지된 취약성, 자기 효능감, 반응 효능감 그리고 감독 당국의 압력에 정(+)의 영향을 주었고 인지된 심각성에 영향을 주지 못했다. 본 연구의 시사점은 연구자들이 향후 감독 당국의 압력을 조직과 조직 구성원의 행동 관련 정보보안 분야의 연구에서 사용할 수 있는 기반을 마련했고, 배경요인 사용은 보호동기이론의 확장을 위한 근거를 제공했다. 또 보안 실무자와 감독 당국의 정보보안 활동을 위한 기반자료를 제공했다. 그리고 본 연구는 한계점과 향후 연구방향을 제시하고 있다.

Exploring the Psychological Mechanism Underlying the Effect of COVID-19 Information Exposure via Digital Media on COVID-19 Preventive Behavioral Intention

  • Choi, Ji Hye;Noh, Ghee-Young
    • Asian Journal for Public Opinion Research
    • /
    • 제10권2호
    • /
    • pp.76-101
    • /
    • 2022
  • Despite the increasing use of digital media and their powerful impact on risk management during recent outbreaks of emerging infectious diseases, the question of how digital media exposure influences preventive behaviors has not been fully explained. Using the appraisal tendency framework and protection motivation theory as theoretical frameworks, we theorized the affective and cognitive mechanisms under which the differential roles of three negative emotions (fear, anger, worry) on two cognitive appraisals (perceived threat and perceived efficacy) were examined. Based on data collected from a survey of 1,500 South Koreans during the COVID-19 pandemic, we found that while worry and anger increased perceived efficacy, fear reduced perceived efficacy. The results also showed that although exposure to COVID-19 information via digital formats increased preventive behavioral intention in general, digital media use for COVID-19 information had a negative influence on preventive behavioral intention through the sequential mediation of fear and perceived efficacy.

기술수용 및 이용에 관한 통합 이론을 활용한 유헬스케어 서비스 이용의도에 관한 연구 (Usage Intention of u-Healthcare Service Using Unified Theory of Technology Adoption and Usage)

  • 김수민;이창원
    • 한국콘텐츠학회논문지
    • /
    • 제13권12호
    • /
    • pp.379-388
    • /
    • 2013
  • 유헬스케어 서비스는 미래의 서비스로 각광받고 있음에도 불구하고 그 도입이 기대보다 느리게 진행되고 있다. 본 연구는 유헬스케어 서비스의 활성화를 위한 요소를 파악하기 위해 의료기관 종사자들의 이용의도를 성과기대와 노력기대, 사회적 영향, 촉진조건, 그리고 인지된 위험과 조절변수인 자발성으로 설명하고자 한다. 국내 의료기관의 종사자 98명으로부터 설문조사를 통해 자료를 수집해서 분석했는데, 촉진조건을 제외한 성과기대와 노력기대, 사회적 영향, 인지된 위험이 이용의도에 통계적으로 유의한 영향을 주는 것으로 확인되었다. 자발성은 성과기대와 노력기대, 인지된 위험이 이용의도에 미치는 영향의 강도를 조절하는 것을 알 수 있었다.

알트코인 투자 수용의도에 대한 영향요인 검증: UTAUT 모델을 중심으로 (Validation of Factors Influencing Intentions for Altcoin Investment: Focused on UTAUT Model)

  • 김재민;이원부
    • 품질경영학회지
    • /
    • 제52권1호
    • /
    • pp.115-133
    • /
    • 2024
  • Purpose: The purpose of research is to explore the factors influencing the intention to adopt altcoin investments, based on the Unified Theory of Acceptance and Use of Technology. Through this, it seeks to elucidate the key factors impacting altcoin investment adoption, and provide a comprehensive understanding of the crypto-currency market and investor behavior. Methods: This study analyzed factors affecting altcoin investment intentions using frequency and descriptive analyses, and verified socio-demographic differences with t-tests and ANOVA. Exploratory factor and correlation analyses were conducted for research tool validity and relationship assessment among variables. Hypotheses were tested through regression analysis, integrating control, independent, and moderating variables, along with interaction terms, to establish the model and examine moderating effects. Results: As a result, it is revealed that higher age and experience in crypto-currency investment are associated with intention to invest. Among the independent variables, performance expectancy, social influence, facilitating conditions, and personal innovativeness have positive effects to investment intention to invest, while effort expectancy had a negative effect. The moderating variable, perceived risk, also negatively affected the intention to invest. Notably, significant moderating effects of perceived risk were observed in the relationships between investment intention and both performance expectancy and personal innovativeness. Conclusion: This study provides empirical verification into consumers' intentions to invest in altcoins, offering insights into investors' behavior and decision-making processes based on a practical understanding of altcoin investment acceptance.