• 지식경영연구
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• 제18권1호
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• pp.49-65
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• 2017

Financial products entail either gains or losses, and customers' psychological reaction to these gains and losses affect the selection of the financial products. This study explains the financial customers' behavior by introducing consumers' psychological variables such as loss aversion and construal levels. According to the construal level theory, people use more abstract and higher levels of construal to represent objects that are more distant on psychological distance. Based on extant research about loss aversion and construal levels, this study proposes two hypotheses and test the hypotheses. The experimental study examines how loss aversion affects the choice between deposit products and fund products in short-term and long-term investment situations. In the long-term condition the respondents prefer fund products to deposit products, whereas in the short-term condition the respondents have showed the opposite result. Also, the effects of loss aversion on preferences for financial products have interacted with the time horizon of investments. Implications and limitations are discussed to establish more effective marketing strategies based on the results of this study.

• International journal of advanced smart convergence
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• 제13권3호
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• pp.183-190
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• 2024

This study investigates the conditions under which the compensation effect occurs in advertising, focusing on the influence of warmth messages on consumer perceptions and responses. By comparing single-ad and comparative ad exposure contexts, the research reveals how warmth messages affect perceived brand competence and the intention to like ads. High warmth messages, when viewed in a comparative ad setting, lead to lower perceived brand competence compared to a single-ad setting, emphasizing the need for strategic message placement in competitive environments. The study further explores how consumers' construal levels-whether considering near-future or distant-future purchase decisions-moderate these effects. The negative impact of high warmth messages on perceived competence is amplified in a comparative context at low construal levels, while high construal levels mitigate this negative impact. These results provide both theoretical and practical insights, highlighting the importance of ad context and construal level in advertising strategies.

• International Journal of Contents
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• 제16권1호
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• pp.44-56
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• 2020

The purpose of this study was to examine how the presentation mode (sequential- vs. simultaneous-mode) of information influences its evaluation. Three experiments revealed the interaction effect between the presentation mode and the valence of the product information. When respondents read about the positive aspects of the product, the evaluation was higher in the simultaneous presentation mode than in the sequential presentation mode. For negative product information, respondents' evaluation was higher in the sequential presentation mode than in the simultaneous presentation mode. The simultaneous presentation mode intensified the impact of the information valence on evaluation. This study proposed that the sequential and the simultaneous presentation modes prime high and low construal levels, respectively. The mediation analysis provides support for such a prediction. Finally, the mediating effect of construal levels in evaluation was shown to disappear when respondents focused on the product information for a longer duration, while the mediation effect remained when the response time was short.

• 경영과정보연구
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• 제38권3호
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• pp.211-225
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• 2019

오늘날 소비자들은 쇼핑의 결과에서 느끼는 실용적인 가치보다 쇼핑행위를 하는 과정에서 느끼는 다양한 감각적 경험을 더욱 중요시 여긴다. 날이 갈수록 다양해지는 소비자 개개인의 욕구를 만족시키기 위해 소매점들은 오프라인 매장을 체험형 공간으로 탈바꿈하여 소비자들이 다양하고 즐거운 경험을 할 수 있도록 장려한다. 본 연구에서는 고객경험의 하위요소를 쾌락적 경험, 기능적 경험, 사회적 상호작용 경험으로 나누고, 이러한 고객경험의 하위요소들이 매장 내에서 소비자들이 느끼는 즐거움에 미치는 영향과 체류의도에 미치는 영향을 검증하고자 하였다. 뿐만 아니라, 소비자 개인의 자기해석수준에 따라서 세 가지 차원의 고객경험이 즐거움에 미치는 영향력에는 차이가 있을 것이라고 가정하였다. 본 연구의 주효과를 분석한 결과, 고객의 쾌락적 경험이 즐거움에 정(＋)의 영향을 미칠 것이라는 가설1을 제외한 나머지 가설이 모두 지지되었다. 또한 자기해석수준의 조절효과를 검증한 결과, 쾌락적 경험이 즐거움에 미치는 경로에서 소비자의 자기해석수준이 유의하지 않은 영향력을 나타났으나, 기능적 경험과 상호작용경험이 즐거움에 미치는 경로에서는 자기해석수준에 따른 유의미한 영향력이 확인되었다. 최근 소비자들에게 주어진 유통채널의 선택권이 넓어짐에 따라 전통적인 오프라인 채널이 위협을 받는 상황에서 오프라인 매장 만이 차별적으로 제공할 수 있는 다양한 차원의 고객경험 효과를 본 연구가 확인함으로써 타 유통채널 간의 경쟁 또는 타 매장들 간의 경쟁에서 차별화 할 수 있는 좋은 마케팅 방안을 강구하는데 도움이 될 수 있을 것으로 기대한다.

• 한국경영과학회지
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• 제39권1호
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• pp.69-81
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• 2014

Financial products entail either gains or losses, and customers' psychological reaction to these gains and losses affect the selection of the financial products. This study explains the financial customers' behavior by introducing consumers' psychological variables such as regulatory focus and construal levels. According to the regulatory focus theory, there are two distinct motivational orientations called promotion focus and prevention focus. And, construal level theory proposes that people use more abstract and higher levels of construal to represent objects that are more distant on psychological distance. We have incorporated these two psychological variables into financial consumer behaviors. In the experiment 1, the results have showed that promotion focused customers prefer fund products to deposit products, whereas prevention focused customers have showed the opposite result. In the experiment 2, both regulatory focus and construal level were considered. Specifically, under the high level message, promotion focused customers have showed higher preference to fund products than the prevention focused customers, and no significant difference for the deposit products. On the contrary, given the low level message, prevention focused customers have showed higher preference to both fund and deposit products than the promotion focused customers. Therefore, it comes to the conclusion that it will be efficient for the financial companies to use high level messages for the promotion focused customers and low level messages for the prevention focused customers. Implications and limitations are discussed to establish more effective marketing strategies based on the results of this study.

• 산경연구논집
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• 제7권3호
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• pp.19-25
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• 2016

Purpose - This study explores the role of construal levels in predicting online consumer behavior on a retail website. It builds on the conceptualization that simply browsing a website and making actual purchases can be an outcome of how abstractly or concretely one thinks about that experience. This study examines the differential effects of intermediary websites' attributes and seller's product offerings in predicting frequency of visits and actual purchases. Research design, data, and methodology - Data were collected from 188 undergraduate students in a large university of Korea. Hierarchical regression model was utilized to test the proposed effect of website characteristics and seller attributes on visit and purchase. Results - We propose and find that online shopping website visits and purchase frequency have different antecedents. The results reveal that website visit frequency and purchase have different predictors and this can be explained through construal level theory. Specifically, we find purchase frequency is predicted more by website image and financial benefits can be more predictive in actual purchases. Conclusions - Consumer behavior on the internet can be delineated into website visits and actual purchases. First, uplifting the image of the website itself is much more important than just making offerings cheaper. Online shopping website should try to match its features to mental representations that customers go through from just visit (abstract) to purchase (concrete).

• 유통과학연구
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• 제19권8호
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• pp.81-89
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• 2021

Purpose: Traditional charity retail needs to change its communication in the online environment. This article examines the effectiveness of communication by online charity organizations in terms of the type of messages being delivered. Research design, data and methodology: Study 1 based on a sample of 120 Korean adults, we investigated whether charity asking messages for domestic people, compared to those for foreign people, prompt more favorable evaluations when framed with low (vs. high) construal levels. In Study 2, with 120 Korean adults sample, we tested whether emotional message appeals prompt a more favorable response than rational messages when framed in a socially close. Results: According to the result of Study 1, for the domestic recipients, donation messages situated in the near, compared to the distant, future induced more favorable reactions from potential donors. Moreover, in Study 2, emotional (vs. rational) message appeals generated more positive donation intentions when they were framed in the socially close situation. Conclusions: This research contributes that differing consumer construal have important implications for how marketing communication might best gain charitable support. This suggests that marketers who design a donation message should consider message's appeal and type to activate the potential donors' willingness to participate in the campaign.

• Asia Marketing Journal
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• 제13권4호
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• pp.55-76
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• 2012

사람들이 돈을 지불하지 않고 무료로 얻을 수 있는 공짜제품을 과다하게 선호하는 현상을 '공짜효과'라 한다. 기존 연구들에 의하면 공짜제품에 주어지는 특별한 가치 때문에 이와 같은 효과가 발생한다. 본 연구는 공짜효과가 항상 나타나는 것이 아니라 심리적 변수에 의하여 조절될 수 있다는 것을 보이기 위하여 자아조절자원과 해석수준의 조절효과를 살펴보았다. 자아조절자원이 고갈되면 통제의 힘이 약해져서 가격에 대한 민감도가 감소할 뿐만 아니라 직관적이고 노력을 별로 기울이지 않는 정보처리과정을 통해 의사결정을 수행한다. 또한, 주어진 정보를 어떤 해석수준에서 처리하는가에 따라 선택이 달라진다. 고차원 해석수준에서 중심기능을 바탕으로 대안의 바람직성에 따라서 선택하는 반면, 저차원 해석수준에서 부가기능을 바탕으로 대안의 실행가능성에 초점을 두어 선택한다. 이와 같은 특성이 공짜효과의 크기에 미치는 영향을 살펴보는 것이 본 연구의 가장 중요한 목적이다. 자아조절자원과 해석수준에 의해서 공짜효과의 크기가 조절될 수 있다는 사실을 검증하기 위해 2개의 실험설계를 채용하였다. 두 실험 모두에서 기존연구에서 사용한 실험재(키세스와 페레로로쉐 초콜릿)를 이용했다. 실험 1은 자아조절자원 고갈 여부가 공짜효과에 미치는 영향을 검증했다. 자아조절자원 고갈과 비고갈 집단으로 나누어 공짜대안이 있는 선택과업과 그렇지 않은 과업에 할당했다. 자아조절자원이 고갈되지 않은 집단에서 공짜효과가 확실하지만, 자아조절자원이 고갈된 집단에서 공짜효과가 약해진다는 것을 밝혔다. 실험 2는 해석수준이 공짜효과에 미치는 영향을 검증했다. 실험 2는 '왜(why)'와 '어떻게(how)'를 이용해 해석수준을 조작했으며, 실험 1과 유사하게 공짜대안이 존재하는 의사결정과업과 존재하지 않는 과업에 할당한 뒤 공짜대안 선택에 미치는 영향을 확인하였다. 고차원 해석수준의 집단은 저차원 해석수준의 집단에 비하여 공짜제품 선택비율이 낮았다.

• Human Ecology Research
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• 제54권2호
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• pp.207-225
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• 2016

This study investigated a conceptual framework of fashion consumers' purchase decision-making styles related to behavioral typology of personality. In response to critiques on fragmented and varied use of personality measurements, this study selectively tested and verified an alternative typological model of Enneagram value systems and self-construal levels that could explain the fashion consumers' typological propensities in purchase decision-making. One hundred-item measurement scale for the fashion consumers' purchase decision-making styles was developed based on the extensive literature. Three groups of fashion major students, a total of 107 participants, who respectively participated in 2-hour-long Enneagrams seminars from spring 2013 to fall 2014, were asked to re-sentence the question items to clearly reflect their Enneagram personality to make purchase decisions. Participants described their propensities in their own words about the most comfortable state during the 5-step processes of the purchase decision making process. The revised scale was distributed to 423 participants in January 2016, and the results verified the group differences in various styles in the process of purchase decision-making corresponding to the typological variables discussed in Enneagram. The correlation between Enneagram core values embodied by fashion consumers during the stages of purchase decision-making in extensive levels of self-construal were verified in the context of their fashion decision making. This study found the possibility of the typological approach toward Enneagram types of personality to be applicable to explain and predict peculiar facets of fashion consumers' purchase decision-making styles.

• 한국콘텐츠학회논문지
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• 제19권10호
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• pp.593-606
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• 2019

본 연구는 해석수준이론을 바탕으로 리타게팅 광고의 특성에 맞는 효과적인 메시지 전략을 검토하고자 했다. 먼저 주로 사람들간에 적용되어 온 사회적 거리가 온라인 사이트 유형에 적용가능한지 확인한 후 사이트 유형별 사회적 거리의 효과를 확인하였다. 나아가 사회적 거리와 시간적 거리가 복합적으로 작동할 때 소비자들의 사고수준은 어느 방향으로 활성화되는지, 그에 따른 메시지 효과가 어떻게 달라지는지를 분석하였다. 분석결과 웹사이트 유형별 사회적 거리와 메시지의 해석수준은 기존의 CLT 연구와 일치하였다. 그러나 시간적 거리, 사회적 거리, 그리고 메시지의 해석수준까지 일치할 경우(근미래${\times}$근사회${\times}$구체 메시지 혹은 원미래${\times}$원사회${\times}$추상메시지)에만 광고효과가 더 높을 거라는 주장은 부분적으로만 검증되었다. 또한 두 차원의 거리는 하나의 심리적 공간아래 통합되어 두 심리적 거리 중 하나만이라도 멀면 상위수준으로 사고하게 되기 때문에 두 심리적 거리가 모두 먼 경우와 차이가 없다는 기존의 입장도 기각되었다. 오히려 시간과 사회적 거리가 불일치할 경우, 두 차원 중 메시지의 해석수준이 사회적 거리와 일치할 때 더 효과적인 것으로 나타나 심리적 거리의 영향력이 종류에 따라 다를 수 있다는 추론을 가능하게 했다.