• Journal of Families and Better Life
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• v.32 no.3
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• pp.65-84
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• 2014

This study was performed to explore the factors that affect the debt-reuse intention of defaulters. The focus of this study is on defaulters who used debt for stock investment. Debt-usage differences were considered since they had different psychological backgrounds. A total of 712 self-administered questionnaires (stock=131 and no-stock=581) were analyzed using SPSS. The major findings were as follows : First, the level of perceived behavioral control was the highest and the level of attitudes toward using debt was the lowest among the psychological factors in both groups. Second, perceived behavioral control was different according to age and income. No such significant association was found in attitudes toward using debt, subjective norms and behavioral intention in the stock group. Third, behavioral intention was explained by attitudes toward using debt and subjective norms in the stock group. However, in the no-stock group, behavioral intention was explained by attitudes toward using debt, subjective norms and perceived behavioral control. These findings have important pragmatical meaning in that they show the determinants of debt reuse by stock investment defaulters.

• Journal of the Korean Society of Clothing and Textiles
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• v.28 no.11
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• pp.1415-1425
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• 2004

The purpose of this study was to analyze a theoretical frame of expressional area, the characteristics and the effects which is applied to fashion illustration by metonymic theory. The theoretical frame of expressional area was analyzed by category analysis and 150 fashion illustrations from 1900 to 1999 were analyzed by contents analysis. The results of this study were as follows: The expressions of metonymy were categorized by close-up, realistic expression, omission, borrowing of past style, simplification and deconstruction. First, close-up was presented as emphasis of small part of fashion by cutting the scenes, snapshot, emphasis, etc. Second, realistic expression was presented as description of related circumstance with fashion message through perspective and realistic description of circumstance related to figures. Third, omission was presented as seeking of essential core by removing color, pattern, texture or by omitting body and as emphasis of communication about dominant fashion message. Fourth, borrowing of past style was presented as reminding us of background of the past. Fifth, simplification was presented as using of form or color to alleviate tension of object and to restore the essential reality. Sixth, deconstruction was presented as fragmenting of image, flattening of body and clothing, weakness of form, and strength of color. In conclusion, metonymy made by experience system of thinking based on the reality, have extended expressional territory in pre-existing fashion illustration. And these ways not only will provide fashion image as illustrator's subjective intention and theoretical system of expression of message, but also will be useful way to strengthen communication for easier interpretation of fashion illustration.

• Journal of Convergence for Information Technology
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• v.7 no.4
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• pp.195-203
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• 2017

Sharing economy which is sharing and borrowing goods, space, and services as a social and economic activity based on the Internet and smart phones is a new research topic in convergence area. The most representative areas of shared economy are space sharing and vehicle sharing. This paper aims to explore the factors affecting sharing intention of vehicle. We have identified the independent variables which include economic benefit, social benefit, social influence, psychological benefit and perceived risk. We also have done how these variables affect on sharing intention. Unlike Korea, in China vehicle sharing is legally allowed and has a large scale economy. To prove the hypothesis, we performed questionnaire investigation in China and analyzed with SPSS program. The result of hypothesis is the followings: The economic benefit, psychological benefit, social influence and perceived risk are affects sharing intention, and social benefit is not affect sharing intention and sharing intention is affect sharing behavior.

• Journal of Digital Convergence
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• v.18 no.7
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• pp.167-175
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• 2020

With the recent revitalization of the shared economy, bike-sharing services are gaining huge popularity in the bicycle sector. Bike-sharing services are characterized by reducing environmental pollution and borrowing bicycles at low prices. This study investigated the mechanisms for the formation of customer's continuance intention toward bike-sharing services. The theoretical framework clarified the role of perceived value and trust in enhancing customer's continuance intention. Perceived usefulness, perceived ease of use and perceived enjoyment are considered as the vital factors of enhancing perceived value and trust in a service provider. The research model was validated by data from 217 bike-sharing users in China. Both perceived value and trust in a service provider had a significant impact on user's continuance intention. However, the analysis results showed that perceived usefulness does not have a significant impact on both perceived value and trust in a service provider. Perceived ease of use and perceived enjoyment played a significant role in enhancing both perceived value and trust in a service provider. Our results are expected to provide academic and practical implications for bike-sharing services.

• Korean Institute of Interior Design Journal
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• no.29
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• pp.3-10
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• 2001

In recent years when the importance of public communication is more emphasized, it has to be noticed that we are now living in the public-initiated age of rhetoric resulted from rapid development of broadcast media. Therefore, the purpose of this treatise is to examine the structural characteristics in the fusion design in order to anaylize the rhetorical expressions as symbols of communication. One of those is intertextuality that expresses metaphorically by bleding and borrowing codes and another is hypertextual space where various texts twines around each other making brand-new and diverse organizations, as the combined allegory with a number of hidden expression. The fusion design may be understood as the Intention to attract gaze to visual messages and as the rhetorical expressions based on compounding aesthetic codes by producing new cultural meanings. If fusion, a phenomenon which represents the 21st century, not a passing fad of cultural mixture, is ready to take the initiative, the design has to be groped for that creates a synergy effect.

• Journal of the Korean Society of Clothing and Textiles
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• v.38 no.2
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• pp.191-200
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• 2014

This study represents "an artialization of fashion" that may be regarded similar to art with a focus on luxury fashion brands. In the $20^{th}$ century, fashion began to share a similar language with art and became a central part in popularizing art. Fashion and art were drawn to each other in mutual fascination. Fashion studies arouse from disciplines like anthropology, sociology and art history as well as from aesthetic experiences and commercial characteristics. Fashion is very complicated phenomenon; therefore, a study on the artialization of luxury fashion brands needs to be approached for aesthetic and commercial aspects simultaneously. This study combines a literary survey with a case analysis of the relation of fashion and art as well as inquires on the artialization of luxury fashion brands based on discourses. The discourses are: first, fashion is an art, second, fashion and art differ in relation to the intention, third, fashion and art have mutual-borrowing. In view of the results achieved in this study, luxury fashion brands can achieve increased effectiveness through art. This study reveals the effects that luxury brands achieve through art versus a discussion on if fashion is art or not and if the relationship is moral or not.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.11 no.2
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• pp.1105-1117
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• 2017

Financial technology, also known as FinTech, is one of the fast growing global businesses in since its inception in 2008. Fintech is a new economic industry, comprised of companies that adopted the latest technologies to provide more efficient financial services than the traditional financial services. Fintech companies are generally small to medium sized startups trying to disintermediate existing financial systems. FinTech companies can be differentiated in several areas, based on its business solutions and target customers. In Korea, the Peer-to-Peer (P2P) lending companies are the most prominent in the FinTech sector. P2P lending is a method of borrowing or lending money to individuals through online services without the use of an official financial institution as an intermediary. The P2P lending companies operate their services entirely online or mobile environment. Consequently, mobile P2P lending application users are dramatically increasing. Thus, it is worth evaluating the acceptance of the mobile apps of the P2P lending companies from a user's perspective. This paper discusses user acceptance of the mobile P2P lending apps, guided by the Technology Acceptance Model. We conclude that the users' acceptance of mobile P2P lending apps are significantly influenced by perceived ease of use, perceived usefulness, and user satisfaction. These in turn influenced their attitude towards using mobile P2P lending apps and intention to use.

• 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.

• The Journal of Industrial Distribution & Business
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• v.8 no.6
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• pp.75-86
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• 2017

Purpose - The purpose of this study is to grasp the concept, characteristics and application status of sharing economy, and to derive a research model based on sharing economic service, and to analyze factors and influences of consumers' intention to reuse of sharing economy. Research design, data, and methodology - The questionnaires were created to examine variables for practical and theoretical implications. After pilot survey, conducted for 24 days from March 10th to April 2st in 2017, total numbers were 377. But 330 copies were used for the analysis with IBM SPSS Statistics 23.0 and IBM SPSS AMOS 23.0. The structural equation model was applied for this. Results - First, sharing economic services remain at an early stage, but it is meaningful to identify the revenue mechanism of the business model of the sharing economic platform. Second, in this study, it is meaningful that we systematized the theoretical structure by examining existing studies on the characteristics of the sharing economic service and consumer characteristics, and by examining empirically. Third, Satisfaction and Reliability are related to the characteristics of Sharing Economic Service (Security, Convenience, Discount, Sharing, Social Interaction), Consumer Characteristics (Personal Innovation, Word-of-Mouth) It is meaningful to broaden the understanding of the factors by verifying the mediating effect. Fourth, the sharing economy business is meaningful in that it is a new consumption trend that changes the meaning of consumption to consumers. Gradually, more and more people are recalling that purchasing something is not consumption, but sharing and borrowing is also consumption. In other words, through the sharing economy, consumers can experience more products and services, have more choices, and are expected to have a positive impact on economic growth by increasing the utilization of idle resources. Conclusions - Currently, the sharing economy is growing rapidly all over the world. Therefore, in the subsequent study, it is necessary to compare Korea and China's sharing economy and study the cultural and social characteristics of Korea and China. In particular, I think that steady research is necessary for more precise and specific direction on the influence of the shared economy.

• Asia Marketing Journal
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• v.17 no.3
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• pp.105-127
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• 2015

This study compares experienced and inexperienced consumers' patterns in cue utilisation in product evaluations in the arts market. Borrowing the notion of high- and low-scope cues introduced by the cue-diagnosticity framework, we differentiate between the two most readily discernible extrinsic cues in the fine arts market - an art gallery's brand reputation (a high-scope cue) and certificates of authenticity (a low-scope cue). These two cues are different in nature; the former is more abstract, intangible, and rich in content, so is more difficult to interpret than the latter. Given the differences in experienced and inexperienced consumers' information processing styles, we hypothesise that experienced arts consumers form perceived credibility of and purchase intentions towards artworks based on high-scope cues, whereas inexperienced consumers do so based on low-scope cues. To test our hypothesis, we conducted a consumer intercept study at Korea's two most representative art fairs. The survey participants were categorised into either experienced or inexperienced consumers based on their prior purchase experience, and their responses to a set of attribute combinations about two artworks created by the same artist were collected. The results indicate that experienced participants show higher purchase intentions when an art gallery's reputation is very high, whereas inexperienced participants show higher purchase intentions when artworks are accompanied by certificates of authenticity. This congruency effect between prior experience and cue type is mediated by the perceived credibility of the artworks. The findings suggest a correspondence between a consumer's prior experience and the types of extrinsic cues that are important in product evaluations. To the best of our knowledge, this study is the first attempt ever to investigate the role of prior experience in determining when to use high- or low-scope cues. It also provides a useful frame of reference to advise marketers on the effective sales approach based on a client's prior purchase experience.