• The Journal of Information Systems
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• v.24 no.2
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• pp.209-240
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• 2015

Purpose This study investigates the relationships between various attributes of smart banking (convenience, security, convergence, and economy), user features (familiarity and innovativeness), perceived usefulness, trust, satisfaction, and continuance intentions and provides a comparison of Google's Android OS and Apple's iOS. Design/methodology/approach We considered a sample of 245 respondents and used structural equation modeling to analyze the data. Findings The results indicate that convergence and familiarity significantly affected perceived usefulness and that security and economy significantly affected perceived trust in smart banking services. The relationships of security, economy, and innovativeness to perceived usefulness and those of convenience and familiarity to perceived trust were stronger for the Android OS than for iOS. The study contributes by proposing an integrated framework and providing a comparison between the Android OS and iOS in the context of smart banking.

• International Journal of Computer Science & Network Security
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• v.23 no.10
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• pp.21-29
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• 2023

Recently there has been an increase in interest and competition in sharing economy platforms. The success stories of many companies have spread in this field, such as Uber, but on the other hand, there are many other companies that have failed. We studied and analyzed the factors that affect the user's participation in the sharing economy platforms as an essential part of this system, and how to maintain the consumer's intention of use without compromising consumer satisfaction, as it has become an issue of great importance on the path to the success of the sharing platforms. Relying on the expanded valence framework and expectation confirmation theory as a basis, we constructed hypotheses that influence intention to participate in participatory platforms. Results show that system quality, trust, perceived benefits, and satisfaction are important factors that positively influence intention to continue to participate. This research is expected to help researchers move forward with research related to the future and help business managers understand user insights and integrate them with their business model to help the success, development and expansion of their business in the Kingdom of Saudi Arabia.

• Journal of Korean Library and Information Science Society
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• v.38 no.2
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• pp.125-146
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• 2007

In the previous surveys conducted on the users of digital multimedia centers at major public libraries, their facilities, contents, staffs and operating system have been found to be the most significant factors for determining the user's satisfaction. The purpose of this study is to seek practical ways of improving digital information services at public libraries by surveying Hanbat Library Users' satisfaction on these four factors. The statistical analysis of the surveyed data has shown that the general satisfaction with the digital service was relatively good: 4.68 out of the maximum scale of 7, that their satisfaction with the facilities were increased but those with staffs and operating system were decreased, and that 69.7% of the users were not willing to learn how to use contents mainly because they do not trust the staffs' ability to teach. Therefore, it was confirmed that the continuous reeducation of staffs and the expansive recruiting of professionals are essential for improving digital information services.

• Journal of the Korea Convergence Society
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• v.12 no.3
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• pp.85-98
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• 2021

Domestic delivery app services are taking a leap forward as the non-face-to-face culture spreads due to the COVID 19 situation and the industrial scale is also growing. In the expanding delivery app service market, we try to verify the structural relationship between variables by empirically analyzing the influencing factors of users' trust in rational and emotional factors. Delivery app service users trust and discriminate parameters in the relationship between rational and emotional factors. Satisfaction according to the trust of a valid delivery app service and service expansion model through word of mouth was designed. It was verified through a hypothesis whether it had an effect, and it can be used as a variety of service strategies for delivery app service users.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.20 no.5
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• pp.97-105
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• 2020

As smartphone app use and untact consumption activities become more common, a new consumption environment is starting. The purpose of this study is to measure preference and brand trust as an advertising effect through experience of UI functional factors of shopping brand app and to establish causal structural relationship to satisfaction.Based on theoretical research, the research model was set and the data of 223 people collected in the survey were analyzed using the SPSS 25.0 program.App UI functional factors partially affect advertising effects, and advertising effects have been found to affect satisfaction. This could provide basic research on marketing communications for brand shopping apps.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.16 no.6
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• pp.287-297
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• 2021

The goal of this study is to investigate and provide information to the Fintech Industry on the main factors responsible for customer loyalty via the mediating effect of customer satisfaction. Secondly, providing traditional banking reasons for customer shifts from banking to Fintech, therefore these factors could be more focused. The consumer choices presented in this study can thus serve as a foundation for further research into post-adoption behaviors associated with Fintech for cross-border payments. This study examines consumer evaluations of how key attributes of fintech using mobile payment services affect their choice by using a conjoint analysis approach, which allows for the approximation of user preferences for specific features. In our study we have used SPSS 26 to test the reliability and mediation effect on the sample size of 348 people who regularly used Fintech for cross border payments. All the questionnaires were prepared if the customers were given fintech as an option instead of traditional banks to send their remittances abroad. The result shows that(Service Quality, Customer's trust and product quality) effecting customer satisfaction significantly would be very helpful for the current fintechs working for home remittances to improve these factors and would serve as a benchmark for the upcoming fintech startups and traditional banks to focus on these factors and catch up the fintech Industry. Finally, it is argued that, in order to be successful, focusing on service quality, customer trust, and product quality triggered customer loyalty for the Fintech in comparison to other traditional options for cross-border payments via the mediation effect of customer satisfaction.

• Information Systems Review
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• v.14 no.3
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• pp.75-97
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• 2012

Fostering trusting belief in financial transactions is a challenging task in Internet banking services. Authenticated Certificate had been regarded as an effective method to guarantee the trusting belief for online transactions. However, previous research claimed that this method has some loopholes for such abusers as hackers, who intend to attack the financial accounts of innocent transactors in Internet. Two types of methods have been suggested as alternatives for securing user identification and activity in online financial services. Control transparency uses information over the transaction process to verify and to control the transactions. Outcome feedback, which refers to the specific information about exchange outcomes, provides information over final transaction results. By using these two methods, financial service providers can send signals to involved parties about the robustness of their security mechanisms. These two methods-control transparency and outcome feedback-have been widely used in the IS field to enhance the quality of IS services. In this research, we intend to verify that these two methods can also be used to reduce risks and to increase the security protections in online banking services. The purpose of this paper is to empirically test the effects of the control transparency and the outcome feedback on the risk perceptions in Internet banking services. Our assumption is that these two methods-control transparency and outcome feedback-can reduce perceived risks involved with online financial transactions, while increasing perceived trust over financial service providers. These changes in user attitudes can increase the level of user satisfactions, which may lead to the increased user loyalty as well as users' willingness to pay for the financial transactions. Previous research in IS suggested that the increased level of transparency on the process and the result of transactions can enhance the information quality and decision quality of IS users. Transparency helps IS users to acquire the information needed to control the transaction counterpart and thus to complete transaction successfully. It is also argued that transparency can reduce the perceived transaction risks in IS usage. Many IS researchers also argued that the trust can be generated by the institutional mechanisms. Trusting belief refers to the truster's belief for the trustee to have attributes for being beneficial to the truster. Institution-based trust plays an important role to enhance the probability of achieving a successful outcome. When a transactor regards the conditions crucial for the transaction success, he or she considers the condition providers as trustful, and thus eventually trust the others involved with such condition providers. In this process, transparency helps the transactor complete the transaction successfully. Through the investigation of these studies, we expect that the control transparency and outcome feedback can reduce the risk perception on transaction and enhance the trust with the service provider. Based on a theoretical framework of transparency and institution-based trust, we propose and test a research model by evaluating research hypotheses. We have conducted a laboratory experiment in order to validate our research model. Since the transparency artifact(control transparency and outcome feedback) is not yet adopted in online banking services, the general survey method could not be employed to verify our research model. We collected data from 138 experiment subjects who had experiences with online banking services. PLS is used to analyze the experiment data. The measurement model confirms that our data set has appropriate convergent and discriminant validity. The results of testing the structural model indicate that control transparency significantly enhances the trust and significantly reduces the risk perception of online banking users. The result also suggested that the outcome feedback significantly enhances the trust of users. We have found that the reduced risk and the increased trust level significantly improve the level of service satisfaction. The increased satisfaction finally leads to the increased loyalty and willingness to pay for the financial services.

• The Journal of the Korea Contents Association
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• v.20 no.2
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• pp.203-214
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• 2020

Nowadays, smart speakers are increasingly personalized and serve as recommendation agents for user. The aim of this study is find out effects of 'Explanation facilities' on transparency, perceived trust, user satisfaction, behavioral intentions of users to reuse, privacy risk, and quality of recommendation in the context of an interact with smart speaker's conversational agents. And we also use measurement for level of privacy concerns to see individuals's level of privacy concerns affected the assessment. The result of this study as follow; First, all measurement variable are significantly related to 'Explanation facilities' Second, perceived trust, privacy risk are significantly related to individual's level of privacy concern. This study found that 'Explanation facilities' could be applied in context of smart speaker and possibility of cognitive dissonance according to the level of privacy concerns.

• Journal of vocational education research
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• v.37 no.4
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• pp.45-66
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• 2018

The purpose of this study is to explore the factors affecting the social capital of youth and to draw implications for the policies related to development of the social capital of them. To this end, we utilized the OLS regression model and the quantile regression model exploiting the 12th year dataset of the Korean Education & Employment Panel(KEEP). First, this study shows that the effect on trust is higher than that of the counterpart when the case is a) unmarried, b) with the high level of education, c) with a large asset, d) with high self-respect and the satisfaction for financial situation, and e) social media user. On the other hand, the higher the monthly average income, the lower the trust level. In addition, when the cases are grouped into 25 quantile, 50 quantile, and 75 quantile according to the level of trust, it is revealed empirically that the factors affecting social capital formation are somewhat different. Second, this study also shows that the effect is higher in a specific condition. The effect is higher compared to the counterpart when the case is a) male, b) with children, c) metropolitan city resident, d) non-employee, e) with a large asset, f) with high level of happiness, g) with high expense of purchasing books, and h) social media user. As a result, it is found that there are no personal characteristics that have statistically significant influence on students belonging to the 25th quantile of social capital. This study suggests that, in order to support the formation of social capital of Korean youths, it is necessary to enhance their psychological satisfaction and to provide cultural support or policies. In addition, it suggests that a tailored social capital accumulation program is needed according to the level of social capital, and the support for this need to be changed according to the amount of social capital of young people.

• Journal of Digital Convergence
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• v.19 no.2
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• pp.299-305
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• 2021

This study examined to identify the factors influencing on inpatients' satisfaction with hospitalization and willingness to recommend hospital to others. Data from the 2018 National Patient Experience Survey were used for the analysis. Of the 593 patients experiencing inpatient services, multivariate linear regression analysis was conducted to explore the factors such as physician care, nursing care, facility and administrative support, and healthcare system on inpatients' satisfaction after controlling for their socio-demographic and health related factors. The study found that physician care, nursing care, administrative support and healthcare system were related to inpatients' satisfaction and willingness to recommend hospital. To improve inpatients' satisfaction, it is necessary to improve healthcare professionals' overall patient-centerdness attitude, user friendly hospital facilities and administrative support services and efforts to trust and satisfaction on healthcare system from the patients' perspectives.