• 대한가정학회지
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• 제38권2호
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• pp.79-89
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• 2000

The purpose of this study was to investigate the consumer credit use in Korea at the macro and micro level. For this purpose, various published data from the Korean Bank and other institutions were analyzed. The data showed that the total amount of consumer credit use has been rapidly increased although it decreased a little bit after the 1977 economic crisis, for a while. The influencers of consumer credit use were also investigated. Finally, implications for consumer credit use in the future were suggested.

• International Journal of Human Ecology
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• 제4권2호
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• pp.15-25
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• 2003

This study provides references to reduce consumer dissatisfaction by identifying the level of consumer dissatisfaction after the purchase and use of imported famous brand goods. In addition, it was aimed to provide basic materials for consumer education programs that will induce the rational consumption of imported famous brand goods. The survey was conducted on females in their 20s and 30s. A total of 483 questionnaires were used for the analysis. The results were as follows：(1) Consumer dissatisfaction with the purchase and use of imported famous brand goods showed a slightly higher level than the median and, (2) consumers had a lower level of consumer dissatisfaction when they had a higher ability to use internet information, greater financial stress, a higher educational level, and a greater availability of consumer education through newspapers and magazines. Additionally, consumers had a higher level of consumer dissatisfaction when they had greater holdings of imported famous brand goods, greater monthly income, and more experiences with overseas travel.

• 경영과학
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• 제20권2호
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• pp.61-80
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• 2003

At the end of 2002, about 91% of mobile telecommunications service subscribers have mobile phones with the mobile internet access function. However, despite the rapid spread of mobile internet phones, the number of real mobile internet users is very small. In this situation, this paper focuses on the effect of consumer demographics such as sex, age, job, etc. and consumer life-style on the use of mobile internet. This study tries to find the answers about the following questions ; 1) Which consumer demographic variables affect the use of mobile internet\ulcorner 2) How can we categorize the consumers with the mobile internet phones\ulcorner 3) What are the characteristics of categorized groups and is there any difference in using the mobile internet\ulcorner For this purpose, an off-line survey was conducted over 1,500 consumers with the mobile internet phones. This study concludes as follows ; The important demographic factors of the use of mobile internet are age, job, marriage, academic career and personal spending money. Totally viewed in the consumer demographics, the typical type of mobile internet users can be described as the young student. On the other hand, sex and family income variables do not significantly affect the use of mobile internet. And the mobile internet users can be categorized by the life-style into four distinct groups, which are named as the innovation oriented group, the practicality oriented group, the conservation oriented group, the ostentation oriented group. These findings show that the consumer life-style have various effects on the use of mobile internet.

• Human Ecology Research
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• 제58권3호
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• pp.401-416
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• 2020

Service providers have introduced interactive devices such as self-service kiosks to provide convenient and efficient services to consumers. Self-service kiosks are one of the most diverse technological forms of self-service technologies that provide control and freedom to consumers as well as reduce the frustration of line-ups. This study explores the predictors of consumer resistance and continued use intention with regard to self-service kiosks. It adopts three constructs on the following variables: perceived innovation characteristics, consumer characteristics, and gamification. An online self-administered survey was conducted, and 343 users of self-service kiosk services, aged between 20 and 59, were included in the analysis. The study used the SPSS 23.0 program to perform a descriptive analysis along with, t-test, ANOVA, correlation analysis, and regression analysis. First, convenience, controllability, and gamification negatively influenced consumer resistance to self-service kiosks. Second, human alienation and sociability positively influenced consumer resistance to self-service kiosks. Third, convenience and gamification positively influenced the continued use intention with regard to self-service kiosks. Last, the risk of functionality, human alienation, and sociability negatively influenced continued use intention with regard to self-service kiosks. The results contribute to the literature because few studies have examined what drives the resistance of users and continued use intention with regard to self-service kiosks. It also provides service providers and practitioners with insights and strategies on how to overcome consumer resistance.

• 가정과삶의질연구
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• 제27권6호
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• pp.95-109
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• 2009

This study focused on the development of a scale to measure the ability of consumers to use credit cards. The purposes of this study were to develop a tool which would be able to measure consumer knowledge, consumer skills and consumer attitudes. Data were collected from 313 credit card using consumers and were analyzed by employing a goodness of fit test, principal component analysis & confirmatory factor analysis(Amos 5.0), multiple regression. The results from this study were as follows: 1) Six factors of consumer knowledge(16-items) were identified: damage salvation; credit delinquency; personal credit information; credit provision period; credit & credit card issuance; credit delinquent striking out a record & credit rating. The total variance was 55.86%. 2) Three factors of consumer skills(17-items) were identified: credit delinquency & over-consumption; credit card management; and loss & damage salvation. The total variance was 62.90%. 3) Three factors of consumer attitudes(16-items) were identified: credit delinquency & credit; credit card issuance & use; and credit card management. The total variance was 58.75%.

• 대한가정학회지
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• 제27권1호
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• pp.9-17
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• 1989

The purpose of this study is to explore the use of fashion information source and the consumer dissatisfaction factors in the purchase and use of clothing, and to explain the relationships between the use of fashion information source and the consumer dissatisfaction factors of young man. For the study, data were collected from 254 freshman, 258 male seniors, and 229 unmarried male workers using the questionaire method. The data from 741 respondents were analyzed by Pearson's Product-moment coefficient corrleation, ANOVA, T-TEST, and Scheff Test. The results of the study are as follows : 1. There were significant differences in the use of information source such as. 1) according to the group, the impersonal advocate source, and the impersonal independent source. 2) according to the job, the impersonal advocate source. 2. There were significant differences in the consumer dissstisfaction factor such as. 1) according to the group, the "product assortment" related factor. 2) According to the job, the "quality" related factor. 3. There were partly significant relationships between the use of information source and consumer dissatisfaction factor. 1) In the young men, the use of the impersonal advocate source, impersonal independent source, personal independent source, and observation had correlated with the dissatisfaction factor related to "purchase-decision making".

• 유통과학연구
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• 제13권10호
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• pp.135-142
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• 2015

Purpose - Following the speedy development of the smart phone industry, tourism companies started to increase their brand recognition and sales volume by adopting mobile applications. However, applications for tourism industries are still insignificant. This study tries to analyze empirical evidence from Korean and Chinese consumers who have used mobile tour applications. By using an expansion of the technology acceptance model (TAM), this study will find what factors have effects on user intention for mobile tour applications. The findings will be helpful for the development of mobile tour applications and the tourism industries. Research design, data, and methodology - This study uses the TAM, which was presented by Davis in 1989. This study uses consumer acceptance level, consumer choice attitude, and use intention as the basic variables to fit to the TAM, and adopts choice content quality, brand value, and usage motivation as additional variables to analyze. This study has developed several hypotheses and collected data from 620 users who used mobile applications for tourism during April 1 to April 30, 2015. A total of 612 valid questionnaires were collected and used in the data analysis. The data was analyzed with structural equation modeling using SPSS Win/pc and Amos 22.0. Results - The findings can be summarized as follows: First, the content quality affects the consumer acceptance degree and choice attitude. Second, the brand value has a directly positive effect on the consumer acceptance degree and choice attitude. It is clear that the content quality and brand value play important roles in raising consumer acceptance and choice attitude. Third, usage motivation has no effect on the consumer acceptance degree and choice attitude. Fourth, the acceptance degree does not have any effect on the consumer choice attitude. Fifth, the acceptance degree affects the use intention. Last, the consumer choice attitude affects the use intentions. This indicates that consumer acceptance and choice attitude must both be achieved to induce use intention among consumers. Finally, the effects of the mobile tour application content quality and brand value on consumer acceptance degree and choice attitude were confirmed. Additionally, the effects of the consumer acceptance degree and choice attitude on use intentions were analyzed. Conclusion - It is not meaningful for tourism marketing to launch tour applications in the mobile market without understanding tourism consumer characteristics. When developing mobile tour applications, companies should focus on the characters of consumer choice attitudes as high quality, high brand value, usefulness, and ease of mobile tour applications. This study has limitations in that it did not consider negative factors such as perceived risks or analyze whether there are differences between Korean and Chinese consumers. In the future, we will consider equipping the same mobile tour applications commonly used by both Korean and Chinese consumers, and then examine negative factors as well as the differences in mobile tour applications between Korean and Chinese consumers.

• 한국컴퓨터정보학회논문지
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• 제25권7호
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• pp.203-211
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• 2020

본 연구의 목적은 신유통 경험요소가 소비자의 사용의향과 소비자행복에 미치는 영향을 실증하고, 지각된 혜택의 매개효과를 연구하고, 다양한 소비 환경에서 소비자의 사용의향과 소비자행복을 향상시키기에 대해 시사점을 제공하고자 한다. 본 연구는 온라인 경험, 오프라인 경험, 물류 경험, 지각된 혜택, 사용의향, 소비자 행복에 대한 이론들, 기존의 선행연구들과 논의를 검토하였고 최종적으로 6개의 가설을 도출하였다. 이를 위해, 소비자의 사용의향과 소비자행복에 대하여 데이터를 수집하였다. 수집된 데이터에 대해 타당성과 신뢰성을 검토하였고, 구조방정모텔분석을 통해 가설을 검증하였다. 지각된 혜택의 매개효과를 중심으로 신유통 경험요소가 소비자의 사용의향과 소비자행복에 미치는 영향에 대한 연구 결과, 온라인 경험, 오프라인 경험, 물류 경험은 지각된 혜택에 미치는 영향, 지각된 혜택은 사용의향, 소비자 행복에 미치는 영향, 그리고 사용의향은 소비자 행복에 미치는 영향 모두 정(+)의 영향을 미치는 것으로 나타났다. 또한, 온라인 경험, 오프라인 경험, 물류 경험과 사용의향, 소비자 행복의 사이에 지각된 혜택의 매개효과를 하는 것으로 나타났다. 본 연구에서는 기존의 선행연구를 확정하여 신유통 경험요소가 소비자의 사용의향과 소비자행복에 미치는 영향을 실증함으로써 이론적, 실무적 시사점을 제공하였다.

• 한국생활과학회지
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• 제16권6호
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• pp.1197-1209
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• 2007

The advance of digital contents industry shifts the focus of consumptions; from analogue to digital ones. It gives significant impact on individual life as well as overall society and culture, and it leads to the increased consumption of digital contents. Nevertheless, current digital contents industry fails to secure the sufficient consumer protection systems including relevant rules and laws which regulate the distribution, use, and other transaction activities of digital contents and the efforts, on the part of contents providers, to provide information to consumers and to protect them. Digital contents, by its nature, is different from the existing products so that its nature is likely to cause unique consumer problems totally different from the offline transactions and the electrical transactions of existing products. This study, therefore, aims to identify the possible problems which may be incurred by consumers in their use of digital contents, specify the types of consumer damages, and provide the underlying materials to improve the systems related to digital contents and take legally complementary measures for consumer protection. To identify the types of consumer damages, this study analyzed the results from consumer counselling cases, experts opinion survey, and FGI. For consumer damage cases, this study analyzed the consumer complaints received by open consumer counselling sites of the Korea Consumer Agency and Seoul Electronic Commerce Center. For experts opinion survey, it conducted questionnaire survey of the group of experts from digital contents manufacturers or providers, and those who treated consumer damages directly. For FGI analysis, it organized a panel of students and employees who had used digital contents to understand the types of consumer damages. The results of this study can be summed up as follows. Based on the results from consumer counselling cases, experts opinion survey, and FGI analysis, the consumer damages related to digital contents can be classified, in their nature, into economic or financial damages (25 cases), emotional or psychological ones (15 cases), time-related ones (7 cases), physical ones (4 cases), and privacy-related ones (i.e. leakage of personal data)(3 cases). More specifying the types of damages, damages can be subdivided into contract-, charge-, maintenance-, use-, individual-related ones and other ones. Among them, both contract- and charge-related damages appeared only in the economic or financial damages, whereas user-specific individual damages appeared only in physical and emotional or psychological ones. On the other hand, maintenance- and use-related damages and other ones were observed in both categories of economical or financial damages and time-related ones. Use- and privacy-related damages, in particular, caused emotional or psychological damages.

• 대한가정학회지
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• 제46권3호
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• pp.13-26
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• 2008

This study aims to offer basic data for consumer education regarding the use of mobile phones by adolescent consumers in a correct way by researching and analyzing the consumption value and consumption behavior of adolescent consumers for mobile phones to see how they use mobile phone as consumers, which is a serious of user behaviors according to their plan, purchase, use, and disposal. Based on the research results, the study proposes the following in relation to the correct use of mobile phones by adolescent consumers. First, in the purchase or use of mobile phones, a more demonstrative consumption pattern was more likely for males than females and for those who are in higher grades than those who are not. Therefore, it is necessary to offer consumer education given the gender and school year rather than stereotyped consumer education. Second, it is necessary to offer objective information and give consumer education for checking the instant desire for something new in order to prevent an impulsive purchase based upon advertisements given the characteristics of adolescent consumers who prefer new designs or functions. Third, regarding the disposal of mobile phones, it is necessary to seek strategies for recycling mobile phones usefully at an administrative level to prevent mobile phones from being thrown away without being recycled.