• Journal of Families and Better Life
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• v.6 no.1
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• pp.117-129
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• 1988

The purposes of this study are 1) to explore the evaluating attribute of family life- insurance 2) to examine the relationship between evaluation attribute variables and level of consumer satisfaction/ dissatisfaction (CS/D), and 3) to investigate the sociodemographic variables and psychological variables which influence the purchase of life-insurance. The data used in this study include 432 households of 208 life-insurance purchasers and 224 non-purchasers Statistics used for the data analysis are x2, factor analysis, multiple regression and a discriminant analysis. The resulting major findings are as follows; 1) The evaluating attributes are saving function, convenience. economic payoff, safety for future accident, agreement of insurance, and reputation of brand. 2) Among these factors. the most important factors. in CS/D of life-insurance are saving function, and reputation of brand. 3) the purchase of life-insurance has been influenced by such sociodemographic variables as husband's age , family income, and family life-cycle. Psychological variables such as attitude of life, perceived risk, consumer attitude about insurance business did not influence the purchase of life -insurance significantly. As mentioned above, we can conclude that Korean purchasers of life-insurance are using irrational evaluating attributes. Therefore more education of the consumers and more information about life-insurance purchases are necessary. Especially low-income households and first step of family life-cycle families are turned out to need more education as well as more information.

• Journal of the Korean Society of Clothing and Textiles
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• v.46 no.4
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• pp.638-656
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• 2022

This study aimed to identify characteristics of Generation MZ's consumer purchase decision journey to develop the new fashion CDJ model. The initial stage was affected by habit, online community, social media, aesthetics, circumstantial need, and proxy. In the search and consideration stage, mobile channels were used actively. In the active search and evaluation stage, online media, experiential data, and personal information were employed. In the purchase stage, zoomers took plenty of time in search and evaluation before spending, contrary to millennials who made their purchases more quickly. In the post-purchase experience stage, zoomers actively displayed follow-up behaviors depending on their satisfaction, such as retaining or deleting the app. While, millennials did not turn away from the store or brand, but followed up on their purchases even when they had an unsatisfactory experience. Based on the characteristics of CDJ, iterative cycle CDJ models were developed. Zoomers CDJ model was presented as a search loop that consists of the search and evaluation process, in which information accumulates, and a purchase loop in which the actual purchase occurs. The iterative cycle CDJ model was presented connected to the loyalty loop as the main section, which is accelerated in millennials' CDJ model.

• Management & Information Systems Review
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• v.36 no.2
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• pp.59-79
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• 2017

The purpose of this study is to verify the relationship between consumer 's self - determination psychological needs (autonomy, competence, and relevance) related to fair trade and brand equity related to fair trade products through empirical analysis. It is meaningful that it is linked to strategic brand management based on consumer need satisfaction. As a result of empirical analysis of this study, Fair Trade attitude plays an important role in the relationship between self - determination psychological desire and brand equity. Especially, Consumer need Satisfaction with competence was found to be a strategically important construct. Based on the results of this study, it is expected to provide important implications for future strategic management of brand equity related to Fair Trade products.

• Asian Journal of Business Environment
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• v.9 no.4
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• pp.15-22
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• 2019

Purpose: Omni-channel retailing is a new retail phenomenon. Consumers in the omni-channel environment do not rely on one channel but integrate different channels from the same retailers freely during a particular shopping journey. The purpose of this study is to better understand omni-channel shoppers in the fashion retailing context. The present study uses consumer characteristics -- fashion innovativeness, technology innovativeness, and fashion purchase involvement -- as determinants predicting consumers' omni-channel shopping intentions for fashion products. Research design, data, and methodology: Data were collected from 403 U.S. consumers, and the Structural Equation Modeling (SEM) was performed to test proposed hypotheses. The survey for this research consisted of three parts. The first part measured consumer traits in terms of their innovativeness and purchase involvement. The second part was designed to measure consumers' omni-channel shopping intentions, and the third part gathered consumer demographic information. Results: The findings confirmed that fashion innovativeness, technology innovativeness, and fashion purchase involvement positively affected consumers' omni-channel shopping intentions. Conclusions: Fashion retailers should integrate various customer touchpoints and offer mobile-enabled technologies to boost consumer traffic to both online and offline stores. They also need to create a shopping environment that is optimized for customer engagement in various shopping processes and allow them to explore different shopping channel options for best purchase decisions.

• The Journal of Information Systems
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• v.22 no.2
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• pp.105-129
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• 2013

Recently, since the interest with well-being has been getting higher than ever, people want reliable source of information related with health and medical treatment. Because of the characteristics of information related with medical care, there have been difficulties to find the information from books, television and internet surfing, for treating disease. Misinformation that can be obtained when considering dangerous situations or side effects, the role of the e-Health system is becoming more important. The objective of this study is an analysis of correlation and effect among patient's information need, e-Health system use and system outcome. To achieve the object of this study, e-Health system had been given to patients of breast cancer in Wisconsin and Detroit for 16 weeks. As a result, 282 sample was gathered and modified to meet purpose of the study. As a result, the information needs of patients due to the performance of the e-Health systems and shown to affect even the perception of patients' emotional and physical health and social support.

• Journal of Preventive Medicine and Public Health
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• v.41 no.4
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• pp.241-248
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• 2008

Objectives: The purpose of the study was to identify a gap between consumer characteristics and utilization of health information on the Internet. Methods: A telephone survey of nationally representative samples was conducted using structured questionnaires, and 1,000 of the 1,189 responses obtained were included in our analysis. The following variables were included in the analysis as potential predictors of health information use on the Internet: predisposing factors such as gender, age, and education status; enabling factors such as region and monthly household income; consumer need for health information; and attitude to health. Multiple logistic regression analysis was used to evaluate the association between utilization rate and the potential predictors. Results: Thirty-nine percent of consumers had obtained health information on the Internet over a one-year period. The utilization rates were higher for consumers who were young, educated, worked in the office setting, had higher incomes, wanted health information, and were able to use the Internet. The utilization rate was 5.35 times higher in the younger group (20-30 years) than in the elderly group (95% CI=2.21-12.97); 2.21 times higher for office workers than for manual workers (95% CI=1.16-4.20); 3.61 times higher for college graduates than for middle school graduates and below (95% CI=1.07-11.59); 1.99 times higher for people with monthly household incomes over 3,000,000 won than for those with monthly household incomes below 1,500,000 won (95% CI=1.01-3.92). Conclusions: There needs to be a paradigm shift, with consideration of not only Internet accessibility in the digital age, but also consumer ability and attitudes toward utilization of health information.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2013.10a
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• pp.588-590
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• 2013

This study aims to explore and understand better how consumers' value orientation relates to consumer's intention to use and Word-of-Mouth behaviors in using Web sites. Consumers have perceptions of the shopping value they acquire during their experiences in navigating Web sites. This consumer's shopping value is considered as utilitarian shopping value, information shopping value, and hedonic shopping value. The current paper proposes that value orientation of consumers in Web sites would consequently affect consumer attitude such as intention to use and Word-of-Mouth. In addition, the research investigates the moderating effect of consumer's personality between consumer's shopping value and consumers' attitude in Web sites. For testing the hypothesized research model, survey and Lisrel analysis are conducted. The findings emphasize that online providers need to focus on the perceived values most salient to consumers in order to improve their profitability. Furthermore, providers may also identify the reason why consumers perceive these values much lower when using the Web sites.

• Asia Marketing Journal
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• v.14 no.1
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• pp.159-174
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• 2012

This study investigate the role of consumer's perception of quality in new technology adoption process in China which is given little attention in the field of Information System and Communication Technology. Here, we developed a simple model in the level of consumer perception by exploring the antecedent of perceived quality. Three factors are introduced as determinants of perceived quality: perceived usefulness, perceived risk and trialability. An empirical study is conducted with analysis of the adoption mechanism of a new innovative product. Data analysis results support some of our proposed hypotheses. It indicates that perceived quality is positively related to the adoption intention and fully mediates the relationship between triablility and purchase intention. And we conclude that a product's perceived quality plays an important role in adoption intention. And what makes Chinese customers perceive product's quality good is a trialability of a product. This suggests that when market managers plan to launch products in China, they need to craft an effective strategy based on the market system of the consumer especially understanding the consumers' critical factor for adopting a new product. Chinese are more interested to purchase a product with free trial and free experiential period, therefore, suggesting an advertisement highlighting the trialability of a product is possible in China.

• International Journal of Human Ecology
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• v.9 no.1
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• pp.81-95
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• 2008

This paper examined the impact of psychological characteristics of consumers on household debt decisions. With the use of the Heckit models (the traditional approach to the selection problem) this study undertook an empirical study of the influence of a wide range of factors on financial decisions. This study used U.S. household-level data that offers detailed information on household debt, expectations about future income, expectations about future economic conditions, the amount of financial risk the respondent was willing to take, and the amount of time allotted for planning family savings and spending. This study showed that respondents with both substantial financial risk tolerance and positive expectations about future income were likely to have larger household debt showing that researchers and policy-makers need to consider consumer sentiment and preference measures in modeling behavior in credit markets. Additional results showed that household debt is significantly related to two key economic variables: income and net worth.

• Culinary science and hospitality research
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• v.12 no.2 s.29
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• pp.88-105
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• 2006

Entering into the new millennium, the Korean wine market has recorded the highest growth rate among the domestic alcoholic beverage market and been recognized as a rapidly emerging market with further escalation potential. Responding to the current drastic escalation of Korean wine market in terms of its volume, the present study scrutinizes the considerable wine-selection attributes that are related to individual wine consumer‘s characteristics including demographic variables. These attributes are also expected to be precursors of wine consumers‘ satisfaction. ANOVA results suggest that each demographical variable-gender, age, income level, and the frequency of wine consumption-pertains to specific wine-selection attribute(s). Likewise, wine consumers‘ characteristics are also associated with those attributes. As wine consumers are experienced, they rely less on information; rather, their selections tend to be dependent upon quality, value, contexts, and preferences. The subsequent multiple-regression investigating the relationship between wine-selection attributes and satisfaction signifies that quality, contexts, and preference attributes are the substantial antecedents of wine consumers‘ satisfaction. When consumers purchase a wine, "information on purchase" was the most important criterion for the Newcomers and the Outsiders, while the Connoisseurs mainly depended on "marketability", "wine values" and "viticulture environment". "Preference" attributes influenced the Aspirants the most in buying decision. The Newcomers and the Outsiders need more information before deciding to purchase as their wine knowledge was very limited. The Connoisseurs were likely to consider the quality as a more important factor than the price and it is necessary to develop high quality wine at a reasonable price in order to attract this group.