• Asia pacific journal of information systems
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• v.33 no.4
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• pp.1058-1092
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• 2023

This study investigates the perception and adoption of ChatGPT (a large language model (LLM)-based chatbot created by OpenAI) among Korean users and assesses its potential as the next disruptive innovation. Drawing on previous literature, the study proposes perceived intelligence and perceived anthropomorphism as key differentiating factors of ChatGPT from earlier AI-based chatbots. Four individual motives (i.e., perceived usefulness, ease of use, enjoyment, and trust) and two societal motives (social influence and AI anxiety) were identified as antecedents of ChatGPT acceptance. A survey was conducted within two Korean online communities related to artificial intelligence, the findings of which confirm that ChatGPT is being used for both utilitarian and hedonic purposes, and that perceived usefulness and enjoyment positively impact the behavioral intention to adopt the chatbot. However, unlike prior expectations, perceived ease-of-use was not shown to exert significant influence on behavioral intention. Moreover, trust was not found to be a significant influencer to behavioral intention, and while social influence played a substantial role in adoption intention and perceived usefulness, AI anxiety did not show a significant effect. The study confirmed that perceived intelligence and perceived anthropomorphism are constructs that influence the individual factors that influence behavioral intention to adopt and highlights the need for future research to deconstruct and explore the factors that make ChatGPT "enjoyable" and "easy to use" and to better understand its potential as a disruptive technology. Service developers and LLM providers are advised to design user-centric applications, focus on user-friendliness, acknowledge that building trust takes time, and recognize the role of social influence in adoption.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.9
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• pp.505-516
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• 2020

The purpose of the research is to identify antecedents of mobile wallet continuance intention in Vietnam. A self-administered questionnaire was distributed to collect data from a total of 276 respondents. Partial least squares structural equation modeling was employed for analyzing the data. Five mobile wallet features - mobile application quality, mobile wallet familiarity, situational normality, payment security, and feedback mechanism - are introduced as fundamental elements, which influence customer' continuance intention to use mobile wallet in Vietnam. The results indicate that mobile quality application and familiarity can significantly influence perceived ease-of-use (PEOU) and perceived usefulness (PU), but situational normality has an impact only on PEOU. PEOU and PU are positively related to satisfaction. On the other hand, payment security and feedback mechanism affect positively customer' trust. As a result, the positive effects that satisfaction and trust have on electronic wallet continuance intention are confirmed. The findings can be used to advise mobile wallet providers to improve their platform design and services to retain users. As a theoretical contribution, this study combines the Technology Acceptance Model, Unified Theory of Acceptance and Use of Technology to investigate the key determinants on continuance intention in the context of electronic wallet in Vietnam.

• Journal of Korea Society of Digital Industry and Information Management
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• v.7 no.4
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• pp.153-168
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• 2011

UCC paradigm based on Web 2.0 has made new business models and came to the forefront as a commercial media. The purpose of this study is to analyze the customer attitudes toward UCC and it effects as a commercial media. Based on prior studies of Internet and Web advertising, informativeness, entertainment, irritation, trust, usefulness, ease of use, incentives, innovativeness, and flow were identified as affecting factors of the attitude of UCC advertising. Results show that all factors except ease of use and incentives significantly related to the attitude of UCC advertising in Korea. In China, all factors except informativeness, entertainment, and usefulness were found to be significantly related to the attitude of UCC advertising. Customer attitude toward UCC advertising was also found to be significantly related to the such effects as brand attitude, word of mouth and intention to buy in both countries. This study contributes to improve the understanding of UCC as a commercial media and provide the base of activation strategies for it according to the cultural differences.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.12
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• pp.509-518
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• 2021

Amid the Covid pandemic surge last year, customers and businesses started embracing digital transactions. Digital banking, as an answer to the cash-less-contact-less way of doing financial transactions, was highly convenient during the pandemic, especially in the Philippines. This position examines the Gen Y and Gen Z in the Philippine case and its willingness to encourage digitalization of the financial sector. This study aimed at evaluating the intention to use digital banking services using the factors (1) ease of use; (2) perceived usefulness; (3) perceived risk; (4) trust; (5) convenience. A total of 226 respondents were selected by random sampling method and linear regression was used to analyse the collected data. Analysis of the results show that the components (1) perceived ease of use; (2) perceived usefulness; (3) perceived risk; (4) trust; (5) convenience had a significant effect on intention to use digital banking while the demographics - gender, age, monthly income, and educational attainment do not have any significance on the intention to use digital banking. The relevance of the study can be used for marketing and financial strategies to increase the intention to use digital banking and to contribute to the enhancement of technology acceptance concerning digital banking.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.3
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• pp.1257-1266
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• 2021

The study examines factors that influence shopping intention of online consumers in Vietnam. Studied factors include consumers' attitude, subjective norms, perception of behavioral control, perception of usefulness, perceived risks and trust. The expansion of Theory of Planned Behavior (TPB) and Technology Acceptance Model (TAM) are used as basic theories. We have surveyed people who have experiences on online shopping. There are 836 selected questionnaires that are qualified for data processing. The collected data are analyzed through a process which starts from scale reliability test to exploratory factor analysis (EFA), correlation analysis and regression analysis. The results show that shopping intention of online consumers are positively affected by their attitude, subjective norms, perception of behavioral control, perception of usefulness and trust. In contrast, online shopping intention is negatively affected by the perceived risks that online shopping could bring. Among those factors, the perception of risk is shown to have the strongest influence to online shopping intention. The findings of this study suggest that managers and retailers can apply cash-on-delivery method and design their website with user-friendly interface to enhance online shopping intention of consumers. The Government is also recommended to fulfill the law system to reduce customers' perception of financial risks.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.1
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• pp.43-51
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• 2022

Platform lending or online lending, sometimes called peer-to-peer (P2P) lending, arose due to the digital revolution to meet people's requirements for simple fund borrowing. It quickly became an alternative to other traditional lending techniques, for example, loans banks. Along with the growth of P2P lending, several academics have investigated how information technology is used in financial services, emphasizing extended application methods. This study proposes an enhanced technology acceptance model (TAM) that investigates how consumers embrace P2P lending platforms by using quality of service and perceived risk as drivers of trust, relative advantage and compatibility as drivers of perceived usefulness. For the purpose of this study, we created a questionnaire, distributed it to clients of P2P lending platforms and fintech services in general in cities in Java, Indonesia. We received 290 replies to our questionnaire. The data was analyzed to test the hypotheses using structural equation modeling (SEM). The findings show that consumers' trust, relative advantage, perceived usefulness, and perceived ease of use in P2P lending platforms substantially affect their views toward adoption. The research's findings are useful for fine-tuning platform marketing strategies and putting strategic goals into action.

• Information Systems Review
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• v.17 no.3
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• pp.159-181
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• 2015

This study proposes a comprehensive model of purchasing intention of customers in agricultural products online shopping malls. In this study, we derived the factors through the literature reviews and logical reasoning and classified the factors as a business point of view, an information systems point of view and an agricultural characteristics point of view, and developed the integrated research model which is the factors affect purchase intentions by mediating trust and the perceived usefulness. A total of 329 samples of a valid survey data from the members of small agricultural online shopping malls were collected and the research model was empirically analyzed by a confirmatory factor analysis and path analyses using structural equation modeling with the data. The results show that the product quality and the service quality of the business point of view have effects on the trust, however the price adequacy and entertainment have no effect on the trust and the perceived usefulness respectively, also the advertising exposure has no effect on the trust but it has an effect on the purchase intention directly. The information quality and the ease of use of the information systems point of view have an effect on the trust and perceived usefulness. At last, the seasonal product of the agricultural characteristics point of view has effects on perceived usefulness but the regional brand has no effect on the trust. The results of this study provide strategic implications for successful development and operation of agricultural products online shopping malls.

• Information Systems Review
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• v.9 no.1
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• pp.23-44
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• 2007

The focus of this research is to investigate which factors are important for the adoption of mobile service and the moderating effects of service types such as hedonic and utilitarian service between those factors and the adoption of mobile service. The empirical results based on the data gathered from 169 users of mobile games and finance service showed that perceived usefulness, perceived ease of use and trust had significant impacts on the adoption of mobile service whereas social influence did not. Also the moderating effect of service type was found that perceived usefulness and trust have more impacts on adoption of mobile service in mobile finance rather than mobile game. Base on these empirical results, this study suggests the managerial implications for mobile service marketing.

• Agribusiness and Information Management
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• v.7 no.1
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• pp.37-44
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• 2015

This study explains an agricultural mobile commerce case using Oauth Based Real-Time Information Sharing Technique according to the growth of the agricultural e-commerce market. Considering the characteristics of the agricultural market, it can confirm differential values with the existing agricultural mobile commerce market according to the functions and characteristics of its technique. We compare variables for introducing agricultural mobile commerce with the existing mobile commerce. Trust through information sharing with real-timefarming diaries, suitability and perceived ease of use variables are positively influenced, but influence on completeness and authority of information variables are relatively insufficient. Through this, we explained differential values of agricultural mobile commerce and suggested an applicable business model.

• Journal of the Korea Society of Computer and Information
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• v.18 no.12
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• pp.123-138
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• 2013

This paper was to figure out why online wine purchasing is not activated despite of the many advantages of having online transactions and to fine key determinants of online wine purchasing intention. Thus, the purpose of this study was to identify the determinants of online wine purchase intention, and examines the relationships between the determinants and online wine purchase intention. Data was collected from those who have experienced in using online wine store to purchase wine, and data was used to test the proposed research model. The findings showed that perceived usefulness and social influence(subjective norm, image) were key determinants of online wine site trust, but they were not related to online wine site trust. It also was found that perceived usefulness, perceived ease of use and subjective norm were positively and significantly related to online wine purchase intention whereas it had no relationship with image. In addition, online wine site trust was shown to influence on online wine purchase intention. Finally, the mediating effects were found in the relationships between perceived usefulness, subjective norm, and online wine purchase intention. Based on the results of the study, implications for future research are drawn.