• Asia pacific journal of information systems
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• 제28권4호
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• pp.290-307
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• 2018

In this research, we study the impact of the factors that predict consumer loyalty of mobile payments and mobile wallets usage in Thailand. We developed a research model based upon previous findings where we propose and examine four constructs of personal innovativeness, consumer attitudes, consumer satisfaction and loyalty. In general, all of the hypotheses were supported by variables related to consumer loyalty with mobile wallet usage. Personal innovativeness analyzed due to its potential mediation effect on loyalty, both from attitudes and from satisfaction. It was found that personal innovativeness was a mediator construct in predicting consumer loyalty. The overall model provides value to the mobile payment and mobile wallet application providers in term of improving service efficiency and business strategies to secure Thai consumer loyalty.

• 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.

• Journal of Information Technology Applications and Management
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• 제16권1호
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• pp.149-168
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• 2009

This paper aims to empirically examine how personal characteristics and social influence affect user acceptance of mobile web browsing service. To examine the intention to use mobile web browsing service, we applied the Technology Acceptance Model (TAM) which has been widely used to explain and predict the IT acceptance to this study. This research also includes personal characteristics such as computer self-efficacy, mobile self-efficacy, and personal innovativeness in IT and social influences such as subjective norms, image, and visibility as the external variables of the TAM. The results indicate that computer self-efficacy do not directly influence ease of use, but indirectly through mobile self-efficacy. And the results indicate that mobile self-efficacy and personal innovativeness in IT have direct effects on ease of use. Empirical results also show that subjective norms and image affect usefulness. Additional theoretical and practical implications of these findings are also discussed in the paper.

• Journal of Information Technology Applications and Management
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• 제26권1호
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• pp.1-19
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• 2019

The aim of this study is to assess the impacts of service properties, price expectancy, social influences, and switching costs on adoption intention of 4G in Vietnam. The research model was established by the theory of diffusion of innovation, technology acceptance model, service quality, social influences and switching costs. The result from customers using telecommunication services in Vietnam shows that adoption intention of 4G is affected directly by perceived usefulness, personal innovativeness, price expectancy, social influences, prior service quality and switching costs. Whereas, switching costs have negative effect on adoption intention. Other factors such as personal innovativeness, perceived ease of use and prior service quality have an indirect effect on adoption intention of 4G.

• 유통과학연구
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• 제21권8호
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• pp.83-96
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• 2023

Purpose: This study examined the relationship between the factors (Credibility, Usability) and user Innovativeness of the ChatGPT on TRA (Theory of Reasoned Action; Subjective Norm, Attitude) and Switching Intention. TRA and Innovation Diffusion Theory (IDT) were used. Research design, data and methodology: From April 26 to 27, 2023, an online panel survey agency was commissioned to conduct a survey of GhatGPT users in their 20s and 40s in Korea, and a total of 210 people were used for the final analysis. Verification of the research model was performed using SPSS and AMOS. Results: First, ChatGPT factors (Credibility, Usability) were found to have positive effects on TRA (Subjective Norm, Attitude). Second, ChatGPT user Innovativeness was found to have a positive effect on TRA (Subjective Norm, Attitude). Third, ChatGPT users' TRA (Subjective Norm, Attitude) were found to have positive effects on Switching Intention. Conclusions: These results mean that the superior Usability and Credibility of ChatGPT and the Innovativeness of users have a significant effect on the Switching Intention from existing Portal Service (Naver, Google, Daum, etc.) to ChatGPT. Generative AI such as ChatGPT should strive to develop various services such as improving the convenience of functions so that innovative users can use them easily and conveniently in order to provide services that meet expectations.

• 한국의류산업학회지
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• 제23권3호
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• pp.347-357
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• 2021

This study analyzed the effects of optimism and innovativeness, the two drivers of a consumer's technological readiness to use an augmented reality(AR) fashion shopping service within the framework of the Technology Acceptance Model (TAM). The survey was conducted on 249 people (males = 58; females = 191) in their 20s who were willing to participate in the AR experience. Data were analyzed using confirmatory factor analysis (CFA) and structural equation modeling by AMOS 22.0. The results indicated that a greater level of perceived optimism had a positive influence on the ease of use and usefulness of the technology. The findings also show that consumers with a high degree of innovativeness tend to have a higher level of playfulness toward AR fashion shopping. Regarding the effects of user beliefs, ease of use had a positive effect on the perception of usefulness and playfulness with higher levels implying a higher consumer intention to adopt an AR fashion shopping service. In addition, this study reveals the moderating effect of consumers with high-fashion versus those with low-fashion innovativeness. For the latter, technological innovation had an insignificant effect on playfulness, thus indicating that consumers with low interest in fashion did not enjoy AR fashion shopping even if the technology was highly innovative. Nevertheless, the analysis confirms the possibility that experiencing a fashion product through AR technology could replace the actual experience of wearing the products.

• 디지털산업정보학회논문지
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• 제6권4호
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• pp.279-295
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• 2010

Technology development has reshaped not only the business environment but also financial service. The purpose of this study is to investigate the factors affecting customer's attitude and usage of Internet banking. Based on prior studies, this study identifies usefulness, ease of use, innovativeness, social influence, quality, cost as affecting factors of customer's attitude and usage of Internet banking. This study intends to do a comparison analysis the relationship between customer's attitude and usage of Internet banking by classifying Internet banking service into inquiry, transfer, and other service. Result shows that usefulness, quality, and cost are significantly related to the customer's attitude toward Internet banking service, but ease of use, innovativeness, and social influence are not. Even though customer's attitude was found to be significantly related to the use of Internet banking, the degree of it was different by service types inquiry, transfer, and other service in a row. It implicates that usage of Internet banking still centered on inquiry service.

• 한국시뮬레이션학회논문지
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• 제27권1호
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• pp.51-60
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• 2018

본 연구는 혁신확산이론과 관련 선행연구를 기반으로 사용자의 핀테크 결제 서비스 사용 영향요인을 서비스와 사용자 측면으로 분류하여 파악하고 인과관계를 실증 검증하였다. 사용자 수용에 영향을 미치는 서비스 특성으로 복잡성, 혜택, 서비스 제공자 신뢰와 인지된 위험을 서비스 특성으로, 개인 혁신성과 보안사고 경험을 사용자 특성으로 분류하여 연구모형을 구성하였다. 이항 로지스틱 회귀분석 결과 인지된 위험과 사용의 복잡성, 보안사고 경험은 사용자의 핀테크 수용에 부정적인 영향을 미치며 개인혁신성은 긍정적인 영향을 미치는 것으로 나타났다. 추가로 인지된 위험이 핀테크 서비스 수용에 미치는 부정적인 영향을 강화하는 보안사고 경험의 조절효과 역시 유의미하게 나타났다.

• Journal of Information Technology Applications and Management
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• 제29권3호
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• pp.57-74
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• 2022

Recently, big data services have been used in various fields. In this situation, this research studied the intention to provide personal information from users, which is necessary to provide useful big data services. A survey was conducted on college students and ordinary people who have understood big data services. And path analysis was performed through Amos' structural equation. As a result of the study, it was found that privacy risks, trust in service providers, individual innovativeness, service incentives, social influence, and service design are major variables influencing the intention to provide personal information. And it was found that trust in service providers plays a mediating role in influencing the intention to provide personal information. In addition, big data services were classified into types for information acquisition and types related to purchase. Accordingly, it was further analyzed whether major variables differ in the path affecting the intention to provide personal information, and new implications were found. Companies that actually develop and provide big data services should establish different strategies by reflecting research results depending on the type of big data service provided.

• 한국컴퓨터정보학회논문지
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• 제23권6호
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• pp.59-66
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• 2018

Recently, the use of mobile payment, called "Pay" payment, is increasing such as 'KakaoPay' and 'SamsungPay'. In Korea, various mobile payment services are running and emerging. The purpose of this study is to examine the intention to switch from using existing credit cards or check card to mobile payment service based on the two-factor theory. We empirically examined the effect of the two factors, the factors that enable switching and the factors that inhibit switching. Therefore, the study use switching cost and switching benefit as parameters to confirm the effect on the switching intention. In addition, this study intends to analyze the differences between two subgroups by the degree of personal innovativeness. We survey smartphone users and credit card or check card users, and analyzed the Smart PLS 3.0 using structural equation model to verify the significance of the research hypothesis.