• Title/Summary/Keyword: consumer risk

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A Comparative Study of Factors Affecting the Intention to Use Mobile Payment Services: Focusing on the Types of Mobile Payment Services and Different Age Groups (모바일결제 사용의도의 주요 요인에 관한 비교 연구: 연령 및 모바일결제 서비스 유형에 따른 비교)

  • Jung, Seung-Min
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.18 no.9
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    • pp.101-112
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    • 2017
  • The purpose of this paper is the comparative analysis of factors affecting the intention to use mobile payment services. This research compares the types of mobile payment services and different age groups. The result reveals that consumers' innovativeness has a positive impact on the intention to use mobile payment services in case of smartphone-only pay and compatibility and image have a positive effect on the intention to use mobile payment services in case of online pay. There is no significant influencing factor in the case of mobile app card. Moreover, the study reveals that consumers' innovativeness, trust in other domains, and compatibility positively affect the intention to use mobile payment services in the 30-49 age group. In the 50-69 age group, image has a positive impact and perceived risk has a negative impact on the intention to use mobile payment services. There is no significant influence factor in the 10-29 age group. This study is a first-time comparative analysis of factors affecting the intention to use mobile payment services focusing on the types of mobile payment services and different age groups.

The Limitation of the Military Aviation Manufacturer's Liability (우리나라 군용항공기 제작사의 책임제한 해결방안에 관한 고찰)

  • Shin, Sung-Hwan
    • The Korean Journal of Air & Space Law and Policy
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    • v.32 no.1
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    • pp.139-175
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    • 2017
  • The Assembly plenary session on December 3, 2017 passed a Product Liability Amendment bill that introduced clauses concerning consumer burden of proof and punitive damage reimbursement. More specifically, these newly approved provisions will reduce the burden of proof placed on consumers and levy triple punitive damage on suppliers. Significant increases in the number of product-liability lawsuit and the number of related insurance contracts are expected. Since military aircraft are designed for operational purpose(seeking greater combat effectiveness over greater safety) and used in high-risk environment, it is practically impossible to obtain an affordable product-liability insurance, Without having any backup plan, military aircraft manufacturers directly face all sort of liability risks under Product Liability Act, Warrant Liability Act and Non-Performance of Contract Act. The U.S. experienced similar problems when they first implemented their product-liability law in 1970s. There had been a big dispute among legal practitioner, insurance professionals and scholars concerning military aircraft manufacturer's liability. In order to settle the issue, the U.S. Supreme Court has established a new precedent of Government Contractor Defense(GCD). The U.S. government also included an indemnity clause for military aircraft manufacturers in their FMS Contract with the Korean government. Likewise, Korean military aircraft manufacturers should 1) clearly understand their current position that they cannot afford expensive product-liability insurance and the cost is not accounted in the military procurement calculation, 2) estimate potential liability risks with the ongoing overseas export expansion in mind, 3) set up appropriate risk management measures through regulatory reform and policy development.

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The Structural Relationship among Trust in MIM, Attitude toward Emoticons, and the Intention to Purchase Emoticons in Kakao Talk (모바일 인스턴트 메신저에 대한 신뢰, 이모티콘 사용 태도와 이모티콘 구매의도 사이의 구조적 관계: 카카오톡 사례)

  • Jung, Bohee;Bae, Jungho
    • The Journal of the Korea Contents Association
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    • v.16 no.10
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    • pp.311-325
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    • 2016
  • The communication via MIM(Mobile Instant Messenger) has unique characteristics; one of them is use of emoticons. Although using emoticons in MIM is getting a lot of attention from business fields and emoticons markets in MIM is growing rapidly, there are little researches focused on emoticons in MIM in consumer behaviors and marketing area. So, the purpose of this study is to fill this theoretical and practical gap. For this purpose, we explore the effect of and trust in MIM system and attitude toward use of emoticons on purchase intention to emotions in MIM. Our study used structural equation modeling analysis; the results showed that perceived benefits and perceived risk to MIM affected trust in MIM system significantly, more specifically, while perceived benefits affected trust in MIM system positively, perceived risk affected trust in MIM system negatively. We also found that perceived usefulness of emoticon in MIM and flow experience influenced attitude toward use of emoticons positively. Lastly, trust in MIM system and attitude toward use of emoticons had positive effect on purchase intention to emoticons in MIM. The implication and limitations of this study are also discussed.

The Change of Housewives' Purchase Behaviors by Food Safety Incidents; in Relation to the Outbreak of 2008 Melamine Incident in Korea (식품안전사건사고에 따른 주부들의 식품 구매행동 변화 -2008년 멜라민 사건을 중심으로-)

  • Chae, Ok-Rye;Ko, Eun-Kyung;Bahk, Gyung-Jin
    • Journal of Food Hygiene and Safety
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    • v.25 no.2
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    • pp.180-184
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    • 2010
  • This study surveyed the change of housewives' purchase behaviors by food safety incidents; the outbreak of 2008 Melamine incident in Korea as for example. 565 housewives in Gunsan were interviewed in March 2009. 52.3% of respondents were regarded as unsatisfactory for food safety management in Korea. Despite the result of scientific assessment for melamine, 74.6% of respondents were yet regarded as health-threatening substance. By the point of before, during and after Melamine-related food safety incident, we were surveyed the level of purchase for melamine-related food items as five scales, the results were $2.47{\pm}0.97$, $1.80{\pm}0.92$ and $1.62{\pm}0.92$, respectively (p < 0.001). After the incident happened, the purchase level was even more reduced. This study also found that there were significance difference (p < 0.05) among the respondents' knowledge for melamine toxicity and food safety management in Korea concerning housewives' purchase behaviors, i.e. the more accurately for melamine toxicity and higher satisfactory of consciousness of food safety, there were less change of purchase behaviors. In conclusion, the consciousness of food safety and accurate knowledge of hazards were significantly affected for the change of housewives' purchase behaviors by food safety incidents. Therefore, it can be suggested that the need for more scientific risk communication strategies with consumer.

Nano-safety Management and Exposure Assessment of Nanomaterials Producing Facilities (나노물질 생산시설의 환경노출 평가와 안전관리)

  • Umh, Ha Nee;Roh, Jinkyu;Park, Junsu;Kwak, Byoung Kyu;Lee, Byung Cheon;Choi, Kyunghee;Yi, Jongheop;Kim, Younghun
    • Korean Chemical Engineering Research
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    • v.50 no.1
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    • pp.112-117
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    • 2012
  • With the development of nanotechnology, nano-consumer products have been popularized. For the past 10 years, potential risk of nanomaterials to human and environment have been raised carefully. Especially, workers, who directly handle nanomaterials in laboratories and manfacturers, will lead to direct exposure of nanomaterials. Therefore, direct exposure assessment and field monitoring of nanomaterials are required to assess and manage the nanomaterial exposure to human and environment. In this work, two nano-manufacturing companies, which had plasma and sol-gel processes, were selected to analyze the main exposure source and process with in-situ SMPS (scanning mobility particle sizer) and ex-situ TEM (transmission electron microscopy). The results showed that the colloidal nanoparticle in liquid phase was easily evaporated and monitored by SMPS. Most serious thing is that the workers does not know about the potential risk of nanomaterials, and thus they are not taking proper protection activities, such as PPE (personal protective equipment). Therefore, exposure assessment for nanomaterial handling facilities should be additionally carried out, and nano-safety management protocols are also provided.

The Government Policies of New Tobacco Products: Strategies for Managing Electronic Cigarettes and Heated Tobacco Products (신종담배의 출현과 정책방향: 전자담배 및 가열담배에 대한 전략)

  • Park, Myung-Bae
    • Health Policy and Management
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    • v.29 no.1
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    • pp.4-10
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    • 2019
  • The term new tobacco products (NTPs) refers to the new alternatives to conventional cigarettes. There are several kinds of NTPs in South Korea. The present study discusses the most widely used NTPs namely electronic cigarette (ECs) and heated tobacco products (HTPs). The aims of this study are to evaluate the risk related to the use of ECs and HTPs, introduce policy examples across different countries of management of this issue, and finally, present some policy implications of the problem and our response strategies. Since the advent of ECs, there has been a lot of debate about its risk. Some studies have reported that ECs are less harmful than conventional cigarettes and that they are effective in aiding smoking cessation. Nevertheless, the efficacy of ECs in smoking cessation and its potential health risks are still unclear. However, the obvious fact is that it is not harmless. Regulations on ECs differ from country to country. In many countries, they are strictly regulated as tobacco or toxic substances; however, in the United Kingdom, the use of ECs are included as part of their smoking cessation policy, and in Japan, they are treated as a form of medication. On the other hand, HTPs are the most recently introduced NTPs and they have attained sensational popularity because of the wrongly held belief that they are less harmful to health. So, what about our policy response to these two tobacco products? The research on ECs requires more systematic statistical monitoring, such as monitoring the ratio of dual-users. Further, the new EC smokers should be identified taking into account that the arguments for the use of ECs often emphasize smoking cessation or less risks to health, the government should further strengthen its policy to prevent those claims. The HTPs market experienced a very sharp growth and continues to grow because the government policy is too passive. Taking this as a lesson, it is necessary to approach NTPs, such as HTPs, proactively and increase their contribution to the National Health Promotion Fund by imposing greater taxes on them. Finally, considering the likelihood of NTPs being promoted as a less harmful tobacco product, it is essential to strictly regulate tobacco companies' publicity from the very beginning to ensure that potential consumer s are not mislead.

Study on the sampling inspection method for reliability assurance of lot (로트의 신뢰성 보증 샘플링검사 방식에 대한 연구)

  • Jaiwook Baik
    • Industry Promotion Research
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    • v.8 no.1
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    • pp.111-117
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    • 2023
  • Sampling inspection methods for quality control have been proposed a lot in the industry. However, the sampling inspection method for reliability, which is a quality over time, has been relatively less presented, and there are not many literatures that are clearly summarized. Therefore, this paper focuses on the reliability conformity test to verify that the reliability evaluation scale value of the target is satisfied during the reliability test. To this end, first, we look at the conditions that both consumers and producers can satisfy in terms of the OC curve and find out what sampling methods satisfy the desired level of producer risk and consumer risk. Next, two methods of the reliability sampling methods such as attribute and variable reliability sampling methods are examined. Specifically, the attribute reliability sampling method is a form of sampling plan where n samples are tested for a certain period of T hours and the lot is accepted if the number of failures is less than or equal to a certain number c. On the other hand, the variable reliability sampling method is a form of sampling plan where the lot is accepted if the reliability evaluation scale such as MTBF satisfies a certain standard. Both sampling plans may also use inspection tables.

The survey of exposure level for PFOS and PFOA in human plasma from several residential areas in Korea (주거지역별, 연령별 및 성별 인체 혈장중의 PFOS, PFOA 함유량 조사)

  • Chung, Jaeyeon;Yoon, Hae-Seong;Ryu, Hee-Young;Won, Jong Uk;Paeng, Ki-Jung;Kim, Yunje
    • Analytical Science and Technology
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    • v.21 no.3
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    • pp.183-190
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    • 2008
  • PFOS (Perfluorooctane sulfonate) and PFOA (Perfluorooctanoic acid) are environmental hormones which belong to potential future persistent organic pollutants (POPs), and it is easy to exposure to human because they are used in a wide variety of consumer products. We studied exposure route and the relativity through determining and monitoring of PFOS and PFOA in Korean plasma of metropolis, small town, rural area and industrial area. And we monitored the concentration of PFOS and PFOA regarding the gender and age. The older age is, the higher concentration of PFOS is. The mean concentration of PFOS and PFOA in men (4.74 ng/mL, 2.20 ng/mL) was higher than that in women (3.53 ng/mL, 1.17 ng/mL). In the comparison of residential areas, the mean concentration of PFOS and PFOA was the lowest in metropolitan plasma (2.47 ng/mL, 0.79 ng/mL) whereas it was the highest in the industrial area (6.57 ng/mL, 2.19 ng/mL).

Predictors of Nursing Home Placement for the Elderly with Dementia: Adult Child Caregivers VS. Spousal Caregivers (치매노인의 요양시설 입소에 미치는 영향: 배우자 부양자 대 성인자녀 부양자)

  • Baek, Ju-Hee
    • 한국노년학
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    • v.25 no.2
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    • pp.127-141
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    • 2005
  • Prior studies about nursing home placement identified factors contributing to the risk of institutionalization by pooling adult child caregivers and spousal caregivers together, regardless of differential challenges for the two types of caregivers. In a sample of 456 caregivers followed for a 2 year period, an event history analysis showed that relationship made difference in time to placement and that differential factors led to institutionalization for spousal caregivers and daughter caregivers. Spousal caregivers are more likely to place dementia patients into nursing homes sooner than adult child caregivers. The age of care recipients and role captivity (refers to being unwilling, involuntary incumbent of a caregiver role) are predictors of placement for both groups of caregivers. Dementia patients who were older had a greater risk of institutionalization. Greater feelings of role captivity also shortened the time to placement. Income and education are significant predictors only for caregiving daughters. Daughters who had a high education level are more likely to delay nursing home placement whereas those who had a higher income are more likely to institutionalize their demented parents sooner. Use of day care and behavioral problems are significant predictors only for spousal caregivers. Specifically, use of day care and behavioral problems precipitates nursing home placement. The findings of this study suggest that interventions for helping family members to provide care to the demented elderly at home must consider different circumstances faced by caregiving spouses and caregiving daughters.

A Study on the Opt-in Marketing

  • OH, Won-Kyo;LEE, Won-Jun
    • The Journal of Industrial Distribution & Business
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    • v.11 no.2
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    • pp.49-59
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    • 2020
  • Purpose: Online and social media and mobile shopping are increasing and companies are required to provide personal information in order to supplement the non-invasive characteristics of the channels. With the increased provision of personal information, consumers' personal and social concerns about the prevention of personal information infringement are also increasing, and in response, personal or opt-in marketing has emerged to compensate for reckless information abuse. Despite the background of this emergence, the existing prior studies are limited to ignoring the negative feelings of consumers in the real world, including only the net function and positive effect of the opt-in mail. Research design, data and methodology: The research framework was intended to utilize the impact of human marketing activities on consumer attitudes combined with positive and negative factors. Factors that positively affect attitudes toward permation marketing were presented, such as informality, and perceived risks were presented as negative impact factors. Also, based on previous prior research, the prior factors of opt-in marketing were to present the effect on purchase intent through the medium of attitude toward opt-in marketing. Results: In this study, we used the framework of a two factor theory to address positive and negative factors as a leading factor in the customer attitude toward opt-in mail advertising, and as a result, functionality and personalization have a positive effect on customer attitude and perceived risk have a negative impact on customer attitude. In addition, it was confirmed that the customer attitude formed this way affects the intention to purchase again. Conclusions: This study suggests that we have demonstrated that marketing, an opt-in marketing that has been recognized as part of marketing that is deployed after obtaining customer consent, has been applied without any other marketing methodology. E-mail advertising at this point also provides practical implications that the system safeguards are in place under an opt-in protocol or system, and that even if an e-mail advertisement is carried out, customers will need to look at the level of awareness about the risks, and suggests that they need to consider the customer's journey that could lead to purchase at the content level.