• 무역학회지
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• 제44권3호
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• pp.155-170
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• 2019

This study examines the model of perceived risk, trust, and continuous transaction intentions presented in a study of the buying behavior in International Transaction. Although most of the trade transactions have been studied as a legal supplement, trade transactions are also purchasing behavior aimed at maintaining continuous transaction intentions between the parties. The study results confirmed that perceived risk could be separated into risk neutrality, risk - taking and risk aversion, and perceived risk had an effect on trust. In addition, the trust affected by perceived risk in the trade transaction model has a statistically significant effect on continuous transaction intentions. The study results confirm that the theoretical background used in previous studies of purchase behavior models is also effective in trade transaction.

• 유통과학연구
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• 제16권12호
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• pp.57-68
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• 2018

Purpose - The development of technologies lead the volume of sale on online market increase but an off-line shopping center is still a core component in the omni-channel strategy. It is generally thought that high-level retailtainment on brick and mortar store affects purchase intentions positively, but some previous studies dispute that and have reported that retailtainment does not affect purchase intentions. So we have studied the additional factors' effect - the nature of purchase and utility - with retailtainment. Research design, data, and methodology - There are 8 treatment groups which were assigned by the method of retailtainment (high vs. low), nature of purchase (essential vs. non-essential), and utility (acquisition vs. transaction). A total of 240 subjects (office workers = 163, 68%; undergraduates = 77, 32%; average age = 30s; female = 39%) were divided into groups and exposed to one of the eight scenarios. Participant's purchase intention was the dependent, and ANOVA and L-matrix were used to analyze for main and interactive effects between factors. Results - First, the main effect and interactive effect between retailtainment and the nature of purchase are significant. We also found that the contrast between essential and non-essential at low-level retailtainment is higher than that of high-level retailtainment. Second, in the case of retailtainment and utility, transaction utility under high-level retailtainment affects purchase intentions positively. Third, between the nature of the purchase and utility, the main effect of the nature of purchase and the interactive effect is significant, but the main effect of utility is not significant. In the case of non-essential goods, the purchase intention was high when transaction utility was provided but in the case of essential goods, acquisition utility increased purchase intentions. Finally, when transaction utility is given, purchase intentions of essential goods increase under low retailtainment, and the purchase intentions of non-essential goods increase under high retailtainment. Conclusions - When customers buy essential goods, discounts decrease purchase intentions. During the season for bargain sales, purchase intentions increase when retailtainment of essential goods is low, and retailtainment of non-essential goods is high.

• 경영과학
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• 제21권2호
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• pp.123-143
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• 2004

Internet shoppers interact with Internet shopping mall systems while they shop. To understand why Internet shoppers make purchase, this study view Internet shopping malls as information systems. Although this view point seems reasonable, little previous studies employing this perspective are found in the relevant literature. This study develops a research model where Internet shoppers' transaction intentions are affected by the mediating effects of trust and satisfaction. Trust can mitigate uncertainty of the e-commerce environment for consumers, and satisfaction is widely used to measure the effectiveness of information systems. Therefore, we consider them as key elements in this study. We further employ the construct of website quality to explain why shoppers have different levels of trust and satisfaction. We classify website quality into information quality, system quality. and design quality. We collected 282 survey responses from Internet shoppers who have prior experiences with Internet shopping malls to purchase a product or service. The survey data are used to empirically test the proposed nine research hypotheses using LISREL. The LISREL results indicate that information quality and design quality have significant impact on both satisfaction and trust, while system quality has little relation to trust level. Further, trust is shown to have significant influence on satisfaction. Finally. both trust and satisfaction is strongly related to the future transaction intention.

• 한국경영과학회지
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• 제37권3호
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• pp.1-12
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• 2012

The research mainstream has focused on improving the competitiveness throughout the reinforcement of customer satisfaction and loyalty in the banking industry, but there is still a lack of research that reflects characteristics of banking services. From a customer point of view, this study considers a variety of bank characteristics such as levels of interest rate, numbers of transaction banks, monthly average balance, and age. In line with this observation, the main objective of the current research is to investigate the relationship between bank characteristics and ongoing transaction intentions with a particular bank using a categorial regression analysis and in turn, provide insights for managers. First, the findings show that deposit interest rate is insignificant for leading customers to ongoing transaction intentions, but loan interest rate is significant when customers are satisfied with a loan interest rate. Second, if customers only transact their banking services with a particular bank, they are more likely to deal with the bank, rather than customers who transact additional one or two banks. Third, in the case of monthly average balance, customers who have more than \100 million wons per month are likely to switch other competitors. Finally, old customers are more stable than young customers when they consider to switch the relationship with a bank. The author provides insights for bank managers and discusses research limitations and further directions of the study.

• 유통과학연구
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• 제20권1호
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• pp.13-26
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• 2022

Purpose: The Covid-19 pandemic has accelerated and triggered changes in online shopping especially in an emerging market. This paper develops a modification of SERVQUAL model to examine the relationship between individual dimensions of e-service quality, online trust and purchase intentions in singular online shopping platform. Research design, data and methodology: Data from an online survey of 385 Lazada's shoppers were used to test the research model. The structural equation modeling technique was performed to test the research model. Results: The analytical results revealed that five dimensions of e-service quality were positively correlated with one another whereas some dimensions were negatively correlated with purchase intentions. The results of this study provide new insight into the literature as well as practical implications for marketers especially in Thai online market. Conclusion: This study develops the instrument dimensions of e-service quality through modifying the SERVQUAL model to examine the e-commerce context and to testify how these individual dimensions are interlinked with one another. It also suggests that responsiveness has two-sided affects that in responses which are too prompt and insistent could make the customer feel uncomfortable and perhaps ending up with no interaction and transaction.

• Asia pacific journal of information systems
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• 제33권2호
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• pp.298-317
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• 2023

This study is about the attitudes and intentions of consumers considering the usage of O2O application (app) under the COVID-19 situation. By integrating TAM and TPB as a theoretical background, we selected VPC (various product choice) and PII (product information intensity) as new functional external variables that have a positive effect on new system called O2O commerce. We also applied the transaction cost theory to investigate the obstacle of O2O business. We conducted a survey of consumers in large cities in the Korean market. As a result of this study, it was found that the more O2O app users recognized the influence of SN (subject norms), the more useful O2O app was, the more it led to a change in attitude and usage intention was positively significant. In addition, as the O2O app was easy to use and useful, and the SN was recognized, the user's attitude was positive. On the other hand, it was also found that the transaction cost that consumers have to pay had a negative effect on usage intention. Additionally, VPC and PII have been shown to positively influence on usefulness of O2O apps.

• 유통과학연구
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• 제9권1호
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• pp.39-48
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• 2011

본 연구는 가격할인이 관여도의 수준에 따라 가치지각 간에 미치는 영향의 경로가 서로 상이하다는 가정 하에 관여도에 따른 지각가치와 구매의향 및 탐색의도 간의 관계를 실험적으로 검증하였으며, 그 결과는 다음과 같다. 첫째, 고관여의 경우는 지각거래가치가 지각획득가치에 긍정적인 정(+)의 영향을 미치는 것으로 나타났다. 또한, 고관여 구매자의 지각획득가치는 구매의향에 긍정적인 정(+)의 영향을 미치는 것으로 나타난 반면, 지각획득가치가 탐색의도에 미치는 영향은 통계적으로 유의하지 않은 것으로 나타났다. 둘째, 저관여의 경우에도 고관여와 같이 구매자의 지각거래가치는 구매의향에 긍정적인 정(+)의 영향을 미치는 것으로 나타났다. 반면, 지각획득가치가 탐색의도에 대하여 부(-)의 영향을 미치지 못한 것으로 판단된다. 이는 가격할인에 따른 거래가치 향상에도 불구하고 지각품질 수준이 하향되면서 품질에 대한 의심이 생겨 추가정보 탐색의 필요성이 생김에 따른 것으로 풀이된다. 이러한 연구결과는 소비자는 관여도에 따라 획득가치 또는 거래가치에 대하여 중요하게 인지하지만 소비자가 어떤 지각가치에 더욱 의존하여 구매행동을 결정짓는가에 따라 이에 부합하는 가치 향상전략을 수립해야 한다는 시사점을 제시하고 있다.

• Journal of Korea Trade
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• 제27권2호
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• pp.1-21
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• 2023

Purpose - The bank payment obligation is a transaction method that combines the certainty of L/C transactions with the speed of remittance payments, so the main purpose of this study is to highlight the superiority of bank payment obligation, noting the difference between bank payment obligation and L/C transactions. In addition, we would like to examine how bank payment obligations can actually be applied to support various valuable proposals such as post-shipment and post-shipment finance according to the payment process.. Design/methodology - This study focused on literature based on data from ICC and SWIFT along with previous domestic and international studies. In terms of a research method, a literature review was adopted with electronic trade-related books and journals and policy-related reports from international trade-related agencies. Findings - Unlike L/C transaction, BPO transaction verify the data inquiry process based only on the combination result of the established baseline and dataset. Accordingly, it is superior to L/C transaction in that there is no confrontation between the parties over the results of the inquiry, and clear transactions are possible according to the principle of proof after prepayment. In addition, unlike credit transactions, data inconsistency acceptance procedures confirm payment obligations in consideration of importers' intentions. As a result, as long as trade documents are in the hands of exporting countries, flexible document disposition is possible in response to the situation after payment, which is more advantageous than L/C transaction. Originality/value - Specifically, from the importer's point of view, BPO transactions have the advantage of reducing the manpower required to prepare and review trade documents and processing transaction negotiations with exporters advantageously due to the strength of payment obligations. From the perspective of the exporter, it has the advantage of enabling rapid recovery of trade payments and reducing the risk of importer's cancellation of transactions or content change. From the perspective of participating banks, it is possible to strengthen relations with importer and obtain high commission income by increasing the role of bank reduced by reducing L/C transaction.

• 한국항만경제학회지
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• 제38권1호
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• pp.1-14
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• 2022

글로벌 경쟁시대의 물류산업의 경영환경 변화는 고객이 기업을 선택하는 시대가 되어가고 있다. 고객에게 적합한 제품과 서비스의 제공을 통한 경쟁기업과의 차별화 우위에 따라 고객의 선택은 달라지기 때문에, 기업은 지속적으로 고객에게 선택을 받거나 유지하는데 노력하고 있다. 결국 이러한 경쟁구도는 장기적 관계구축의 중요성으로 부각된다고 볼 수 있다. 이에 본 연구에서는 류기업과 화주기업간의 거래관계에 있어 물류기업이 고객만족을 위해 수행하는 거래특성과 관련된 요인들이 성과와 장기거래의 도에 어떠한 영향을 미치는가를 살펴보았다. 첫째, 물류기업 간 거래에서 고객의 만족을 위해 구체적으로 실현해야 할 물류기업의 거래특성요인인 물류서비스, 비용, 물류인프라 및 기업역량요인을 도출하였다. 둘째, 물류기업의 거래특성요인이 기업의 성과에 어떠한 영향을 미치는 가를 분석해보고, 마지막으로 기업의 성과요인이 장기거래의도에 어떠한 영향을 미치는가를 분석해보았다. 실증분석결과 물류기업의 거래특성요인과 성과 간의 관계에는 통계적으로 유의한 결과가 나오지 않았는데, 이는 표본이었던 물류업체의 영세성에 기인한다고 볼 수 있다. 즉, 저가격으로 서비스를 제공할 충분한 역량이 없는 물류기업들의 경우 끊임없는 출혈경쟁을 벌일 수밖에 없으며, 이는 곧 서비스 산업에서의 대표적 특성인 차별화가 어렵다는 단점을 고스란히 안고 있는 동시에, 치열한 가격경쟁을 벌이고 있는 산업의 특성을 반영하고 있다고 볼 수 있다. 한편 기업성과요인과 장기거래의도 간의 관계는 정(+)의 관계가 있는 것으로 나타났다. 즉, 물류기업과의 파트너십과 가시적인 재무적 성과차원이 높으면 높을수록 앞으로도 지속적으로 거래를 유지하고, 점차 거래물량을 늘려나가기도 하며, 오히려 비용이 좀 더 들게된다 하더라도 거래를 지속적으로 거래하려는 의도가 크게 나타난다는 것을 알 수 있었다.

• The Journal of Asian Finance, Economics and Business
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• 제7권6호
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• pp.221-231
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• 2020

This research investigates the relationship among product risk, financial risk, security risk, privacy risk, perceived satisfaction, and purchase intention. Validated measurements were identified from a literature review. The measurement model and the conceptual model depicting hypothesized relationships were evaluated based on responses from 306 customers using confirmatory factor analysis and structural equation modeling. The results showed that product risk, financial risk, security risk, and privacy risk impacted on perceived satisfaction. Besides, product risk, privacy risk, and perceived satisfaction influenced purchase intentions. Thus, this study focused on the influences of product risk, financial risk, security risk, and privacy risk on their cognitive attitudes toward websites. That means the more consumer perceive security, the more they avoid shopping online. The study is important to show how perceived risk affects online shopping behaviors, and it invites marketers to make necessary adjustments to prevent perceived risks to increase and online shopping to decrease. The findings of this study suggest the creation of a framework on the effect of perceived risk types on online shopping. Managers need to take perceived risks into account when designing their electronic marketing channels. In addition, shopping websites should strengthen their transaction security by appropriately using various available resources and new information technologies.