• 한국전자거래학회지
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• 제20권3호
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• pp.11-28
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• 2015

스마트폰의 일상화로 모바일 중심의 라이프 스타일이 확산되면서, 모바일을 기반으로 하는 모바일 뱅킹, 쇼핑 등의 이용이 증가하고 있다. 또한 최근 금융과 IT기술이 결합된 신조어인 Fintech(Financial + Technology)의 등장과 함께, IT기반의 금융시장은 더 확대될 것으로 보인다. 이러한 추세에 따라서, 지급결제 수단으로서의 모바일 신용카드에 대한 기업 및 국가적 차원의 관심 및 투자가 증가하고 있으나, 소비자의 실제적인 확산 및 이용은 낮은 수준에 있다. 이러한 점을 고려하여 본 연구에서는 모바일 신용카드 이용 및 확산을 위한 요인이 무엇인지를 파악하기 위하여 확산이론(Innovation Diffusion Theory)과 후기수용모형(Post Acceptance Model)을 바탕으로 연구모형을 구성하였다. 설문조사를 통해 분석 자료를 수집하고, 연구모형을 분석한 결과, 인지된 용이성, 이미지, 적합성, 촉진의 4가지 요인이 사용자 만족에 유의한 영향을 미치는 것이 확인되었다. 또한, 모바일 신용카드에 대한 사용자 만족은 모바일 신용카드 지속사용의도에 유의한 영향을 미치는 것으로 나타났다. 또한 집단 간 비교연구에서는 플라스틱 신용카드보다 모바일 신용카드 이용금액이 많은 집단에서 촉진이 사용자 만족에 더 큰 영향을 미치는 것으로 나타났으며, 상대적으로 모바일카드 이용금액이 적은 집단에서는 인지된 용이성과 이미지가 사용자 만족에 더 큰 영향을 미치는 것으로 나타났다. 본 연구결과는 모바일 신용카드 활성화를 위한 정부 및 기업의 마케팅에 있어서의 전략적 가이드라인을 제공할 것으로 기대하며, 또한 상대적으로 부족한 모바일 신용카드 연구에 초기 단계 연구로서의 가치를 지닐 것으로 기대한다.

• 한국콘텐츠학회논문지
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• 제11권12호
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• pp.136-144
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• 2011

본 연구의 목적은 QR코드 사용자의 개인적인 혁신성이 구전에 미치는 요인을 확인하고, 마케팅과 광고 측면의 시사점을 얻고자 하였다. 이를 위해 연구자는 QR코드 이용자의 혁신성과 구전에 이르는 경로에 대한 모형을 구조방정식으로 검정하였으며, 매개변수로 기존 Expanded TAM, TRAM, PAM 등의 검정된 변수를 적용하여 QR코드 사용자의 수용 전후행동에 영향을 미치는 요인을 검정하였다는데 이론적 공헌점이 있다. 연구결과 첫째, 개인의 혁신성은 인지된 유용성과 즐거움, 사용의도, 만족도에 영향을 주는 지 확인하였으며, 둘째, 개인의 혁신성이 인지된 유용성과 사용의도에 영향을 주고 이 경로가 구전으로 연결되는지 확인하고, 다른 한 축으로 즐거움과 만족에 영향을 주고 이 경로가 구전으로 연결되는지 확인하고 논의하였다. 상기 결과는 QR코드를 광고수단으로 활용하고자 하는 기업들에게 구전 마케팅 측면에서 '즐거움'과 '만족'의 요소가 중요하게 작용한다는 시사점을 줄 수 있다. 삶의 질적 향상으로 인해 즐거움 요소가 없는 서비스에 긴 시간을 할애하지 않는 수용자의 속성을 이해할 필요가 있는 것이다. 결국, 즐거움이 없는 QR 코드는 광고수단으로 의미가 없다는 의미로 해석할 수 있다.

• 한국IT서비스학회지
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• 제11권3호
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• pp.49-65
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• 2012

This study aims to investigate the factors influencing followers' continuous usage intention of twitter based on Elaboration Likelihood Model. In particular, central route(information itself) and peripheral route(twitterian's trustworthiness) are tested to reveal which has a more influential role in effecting the continuous usage intention of power-twitter. Furthermore, this study tests the relationship of users' attitude and continuous usage intention. The results indicate that argument quality, accuracy(central route), source expertise and source trustworthiness (peripheral route) have an influence on attitude. However, trustworthy on central route is not significant. Argument quality, trustworthy, accuracy(central route) and source expertise(peripheral route) have an influence on perceived usefulness. But source trustworthiness on peripheral is not significant. Attitude has an influence on perceived usefulness, and attitude and perceived usefulness both have an influence on perceived usefulness. In conclusion, central route is more influential than peripheral route in forming a positive attitude towards arguments, which in turn leads to the perception of twitter's usefulness, and in the end brings the continuous usage intention of twitter.

• The Journal of Asian Finance, Economics and Business
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• 제8권8호
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• pp.287-296
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• 2021

Stepping into the technological boom time, Vietnam has integrated into the trends of using Fintech applications as a new means of payment. This article evaluates the relationship between perceived security (including service security and platform security), knowledge, confirmation, perceived usefulness, satisfaction, attitude and lastly enterprise's images regarding the service and continuous intention to use Fintech services. The survey results of 352 Vietnamese customers using Fintech services, reliability test and extended post-acceptance model (EPAM) which is based on PAM and ECT models. From the survey, we further found out that perceived security (BSS) has no direct impact on continued intention to use, while perceived security (BSS) has positive impact on confirmation (CON), similarly, perceived usefulness (PU) and user's satisfaction (SES). Knowledge of the Mobile Fintech payment service (KNOW) has a positive impact on perceived security (BSS). Confirmation (CON) has a positive influence on perceived usefulness but in the meanwhile it has created a negative impact on user's satisfaction (SES). From the survey it can also tell that user's attitude (ATT) and enterprise image (IMG) both have a positive impact on continual intention to use Fintech services. From the research results, we also propose some recommendation to enhance the continual intention to use Fintech services in Vietnam.

• 품질경영학회지
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• 제51권1호
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• pp.97-117
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• 2023

Purpose: The purpose of this study is to examine the factors affecting the intention to continue using the metaverse platform service from the user's point of view. Methods: The study conducted a survey of experienced people using Zepeto, Ifland, Gather Town, Zep, Roblox, Fortnite, and Minecraft, which are virtual world types among metaverse types, and valid 415 data were analyzed by SPSS (ver 22.0) and R (ver 4.1.0) program packages. Results: As a result of empirical analysis, it was found that interactivity and social presence among the characteristics of metaverse affected expectation confirmation, and sensory affordance and functional affordance affected expectation confirmation as affordance factors. In addition, all four characteristics of metaverse, reliability, playfulness, interactivity, and social presence, were found to have the greatest affect on perceived usefulness, and it was analyzed that playfulness, social presence, and reliability were influenced in order. The affordance factor was also found to have a positive effect on physical affordance, sensory affordance, and functional affordance. This study was found that it had a positive effect on the relationship between expectation confirmation and satisfaction and the relationship between perceived usefulness and satisfaction. satisfaction was analyzed to lead to continuance intention. Conclusion: This study is meaningful in that it examines the perspective of users who can be called customers of metaverse platform services. Based on the results of this study, it is expected to have a significant effect on the development of metaverse platform services not only on platform operators that provide metaverse platform services but also on providers who plan events and education using metaverse platform services.

• 품질경영학회지
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• 제50권1호
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• pp.105-124
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• 2022

Purpose: The purpose of this study is to examine the factors that influence the pre-use expectation and the continuous usage intention of the OTT services. Methods: For empirical analysis, the survey for this study was administered with many anonymous people who had previously used any of the OTT services and valid 192 data were analyzed by SPSS and PLS-SEM. Results: The results of this study are as follows. Personalization and understandability in the information quality didn't significantly affect confirmation. Ease of use and search of the system quality significantly affected confirmation. Also, it was found that content diversity, content recency, and content playfulness as the characteristics of the content quality significantly affected the expectation confirmation. OTT service fees also significantly affected the expectation confirmation. It also significantly affected perceived usefulness and satisfaction. Finally, satisfaction positively influenced the continuouse intention to use. Conclusion: The findings of this empirical analysis shows that the specific characteristics related to the relationship of expectation confirmation, perceived usefulness, satisfaction, and continuous usage intention with respect to OTT services through the Post Acceptance Model (PAM). Because system quality, content quality, and service fees meeted users' expectations, OTT services need a strategy that can boost the users' positive perceptions or experiences by reinforcing these three factors.