• The Research Journal of the Costume Culture
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• v.21 no.1
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• pp.129-138
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• 2013

Consumers' perception of risk plays a major role in how they make online purchase decisions. Since online shopping is perceived to be riskier than in-store shopping, consumers engage in a variety of risk reduction strategies such as searching online for alternative products and alternative e-tailers. This study examines the influence of risk involvement on risk reduction strategies and customer satisfaction. It discusses three aspects of risk reduction strategies: time spent in making a purchasing decision, searching for alternative e-tailers, and searching for alternative products. Data from 294 female shoppers who had experience in purchasing fashion products online was analyzed. This study found that risk involvement had a positive influence on the time spent in making decisions, while the influence of risk involvement on searching for alternative retailers and alternative products was not significant. However, consumer satisfaction was negatively related to search for alternative retailers and positively related to risk involvement. This study provides a better understanding of customers' risk involvement and risk reduction strategies in online shopping. This information would be beneficial for marketers and retailers to reduce customer perception of risks and to promote online sales.

• Journal of the Korean Society of Clothing and Textiles
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• v.20 no.3
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• pp.502-511
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• 1996

While much research on brand loyalty have been conducted until now, little has been challenged to integrate the results of previous (studies and how the brand loyalty is developed. The purpose of this study was to) suggest and test the model of clothing brand loyalty formation via consideration of all related variables simultaneously using the LISREL. The subjects were 505 male and female college graduates or higher white collar workers in their twenties and thirties living in Seoul, Korea. The data were collected by self- administered questionnaires. The results showed that consumer knowledge, product involvement, and perceived risk are positively related to information search. However, the influence of perceived risk on information search is statistically insignificant. Product involvement is also positively related to consumer satisfaction. Information search and consumer satisfaction are positively related to brand loyalty, respectively. In conclusion, consumer knowledge, product involvement, and perceived risk have positive influences on brand loyalty through the mediating variables of information search and consumer satisfaction.

• Management & Information Systems Review
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• v.34 no.3
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• pp.79-100
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• 2015

This study is to examine the factors that influence purchasing behavior and decision-making when consumers buy goods through mobile shopping, define purchasing decision-making with the steps of problem recognition, information search, alternative assessment, and purchasing behavior to understand mobile consumer behavior, and investigate how the factors of each step play roles and influence consumers' purchasing decision-making through positive analysis to figure out consumer purchasing behavior in mobile shopping. The study results, First, the user characteristics of information search influence flow. Second, in the relations between the user characteristics in the step of information search and perceived risk in alternative assessment, if recognition on gains is higher, perceived risk for time loss gets lower, and when the level of skills is higher, perceived risk gets higher, and it has been partly adopted that innovativeness does not influence risk perception. Third, in the relations between flow experience and purchasing intention, it has been found to be partially significant that remote presence and challenge do not influence purchasing intention but do influence excitement, attention concentration, and control and also do influence perceived risk and purchasing intention. Fourth, according to the results of analyzing the difference of consumer purchasing behavior by the types of involvement, practical involvement and sensual involvement, user characteristics and flow, and perceived risk differ by the types of products in terms of the search process, thereby changing purchasing intention. Lastly, the significance and limitations of this study was discussed.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.3
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• pp.1193-1204
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• 2021

This paper aims to examine the main factors that influence the adoption of Islamic banking services in Indonesia. This research collects primary data by distributing questionnaires to 550 respondents in 29 provinces in Indonesia. A total of 550 questionnaires were returned comprising 34.2 percent male respondents and 65.8 percent female respondents. Most of the respondents were in the age group of 21-30 years with the highest level of education being high school. Most of the respondents were working in private firms, with a monthly expenditure of IDR 2,500,000. The independent variables in this study are bank reputation, perceived complexity, perceived compatibility, perceived risk, relative advantage, religiosity, and social influence. Meanwhile, the dependent variable is customer interest in adopting Islamic banking services. The result of this study indicates that awareness and perceived compatibility have a positive effect on customer intention to adopt Islamic banking services. Likewise, religiosity and social influence also have a significant and positive effect on customer intention to adopt Islamic banking services. Meanwhile, bank reputation and perceived complexity have no effect on customer intention to adopt Islamic banking services. Lastly, perceived risk has a negative and significant effect on customer intention of adopting Islamic banking services in Indonesia.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.11
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• pp.157-167
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• 2021

The study analyzes the factors affecting the intention and recommendation to use the mobile banking applications of 314 customers from Vietnam. The study analyzes 7 factors affecting the intention and recommendation to use the mobile banking applications of customers from Vietnam, including (i) Perceived risk; (ii) Perceived ease of use; (iii) Perceived usefulness; (iv) Attitude; (v) Perceived trust; (vi) Social image; and (vii) Innovativeness. Besides, the study also analyzes 4 variables that reflect the customer's demographics, including gender, age, education, and occupation, and 6 variables describing the behavior of customers using mobile banking applications. The study findings indicate that the following factors (i) Innovativeness; (ii) Attitude; (iii) Perceived risk; (iv) Perceived ease of use, and (v) Perceived trust have the most significant impact on customers' behavior of using mobile banking applications in emerging markets such as Vietnam in the context of prolonged pandemic and continuous lockdown in many provinces and cities. The study is also of great value to studies on behavior changes among customers using mobile banking applications after the COVID-19 pandemic in Vietnam. The study will provide additional empirical evidence useful to bank administrators in motivating customers to use mobile banking applications, helping develop a digital economy in Vietnam.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.2
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• pp.217-227
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• 2022

The main purpose of this study is to analyze the adoption and use of mobile banking by university students and its potential determining factors. This study comprises 259 completed questionnaires answered through an online survey method. The respondents are Mongolian university students who have experience in using mobile banking applications. Young adults rely heavily on technology and are more likely to adopt mobile banking applications; however, there is limited research on the acceptance and use of mobile banking applications among this cohort, particularly from the perspective of Central Asian developing economies. Through using the SmartPLS 3.3 software, confirmatory factor analysis was conducted to evaluate the construct and structural equation modeling. The main results indicate that performance expectancy, effort expectancy, social influence, and facilitating conditions are the main constructs related to mobile banking technology acceptance; perceived security positively impacts perceived trust. Moreover, perceived trust is the construct of the use of mobile banking technology by the university students who responded to the questionnaire. However, the relationship between perceived risk and use behavior was not accepted.

• Asia Marketing Journal
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• v.8 no.2
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• pp.27-62
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• 2006

This study suggested the internet self-efficacy construct for explaining consumer's searching information capability. It proposed that consumers who have a high internet self-efficacy feel confident they can search much information which they want to find. And it suggested if consumers have a high internet self-efficacy, they will perceive risk less and will experience flow when they use internet shopping mall also. To examine that effect of internet self-efficacy on flow, perceived risk, attitude, and purchase intention, It suggested hypotheses from the basis of prior studies. All of hypotheses were supported and the findings can be summarized as follows. First, internet self-efficacy had a positive effect on flow and a negative effect on perceived risk. Second, flow had a positive effect on attitude and perceived risk had a negative effect on attitude. Attitude had a positive effect on purchase intention also. In view of the result of analysis, between flow and purchase intention are mediated by and between perceived risk and purchase intention are mediated by attitude also. Finally, perceived risk didn't have an effect on flow.

• Journal of Fashion Business
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• v.9 no.3
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• pp.134-149
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• 2005

Although Internet retailing is becoming a viable channel for apparel retailing, consumers are still reluctant to use Internet for apparel purchasing because at their concerns at Internet security and the difficulties at virtual shopping in unfamiliar shopping environment. The purpose at this study is to examine the nature at perceived risk associated with Internet apparel shopping and risk-reduction strategies used by Internet apparel shoppers. The data were collected via an online survey by a online research company. A total at 4,254 Internet users participated in this survey. Among these Internet users, 1,146 respondents had previous shopping experience in Internet shopping. Within this group, 195 were Internet apparel information seekers, and 589 were Internet apparel purchasers. Descriptive statistics, analysis of variance, and t-test were used to analyze the data. The perceived risks and risk-reduction strategies used by Internet apparel no-interest shoppers, Internet apparel information seekers (browsers), moderate Internet apparel purchasers, heavy Internet apparel purchasers were examined and compared. The results indicated that these tour groups were significantly different in apparel related risk, performance risk, and privacy risk. Internet purchasers tend to perceive more apparel-related, performance, and privacy risks than others. The results also indicated that these tour groups were significantly different in their opinions of risk-reduction strategies.

• The Journal of the Korea Contents Association
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• v.13 no.6
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• pp.158-166
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• 2013

This study gave attention to the people who has resistance of the social media that tens to be the use as innovations. Therefore, this study examined the determinant factors of psychological resistance of the social media such as Twitter focused on students as none-users of social media. Total of 268 none-users participated in this study. The results were as follows. First, relative advantage influenced negatively on innovation resistance. Second, perceived complexity influenced significantly not on innovation resistance. Third, perceived risk influenced positively on innovation resistance. Therefore, social media related to social relationship should improve relative advantage, the other way, decrease perceived risk such as defamation and personal attack.

• International Journal of Contents
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• v.15 no.4
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• pp.44-49
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• 2019

This study is designed to examine antecedents and consequences of mobile advertising avoidance. However, to date, research on mobile advertising avoidance has been scarce. Thus, this study makes significant contributions by addressing understudied areas in mobile advertising. Study results show that the perceived mobile advertising risk is positively related to mobile advertising avoidance. This study found that the perceived trust in mobile advertising is negatively linked to mobile advertising avoidance. The study results show that the perceived Internet users' data privacy concerns is positively linked to mobile advertising avoidance. Finally, study results suggest that mobile advertising avoidance is positively linked to intention to delete the ad.