• 대한가정학회지
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• 제43권11호
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• pp.1-15
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• 2005

The purpose of this study was to investigate the attitude, knowledge and need for educational contents about credit cards according to credit card use, and to examine the status of credit card use and the factors affecting credit card management behaviors of college students. The data were collected from 481 college students in Busan and Kyungnam areas by a self-administered questionnaire. Frequencies, Cronbach's alpha, factor analysis, t-test, ${\chi}^2$ analysis, Pearson's correlation analysis and regression analyses were conducted by SPSS WINDOWS. The results from this study were as follows. First, there were no significant differences between the credit card user group and the non-user group in the means of their altitude and knowledge towards credit cards. The mean of each category of the need for educational contents was high in both groups. Second, respondents of the credit card user group answered that they used credit cards whenever necessary, using them to purchase mostly clothing, shoes, and books. Third, credit card management behaviors were influenced by the allowance amount, experience of consumer education related to credit cards, number of total credit cards, attitude towards credit cards, knowledge about credit cards, frequency of credit card use, terms of credit card use and father's occupation. These results suggest that consumer education should be conducted for the credit card management behaviors of college students.

• 가족자원경영과 정책
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• 제13권2호
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• pp.129-151
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• 2009

The first purpose of this study was to reveal the types of shopping value of college students. The second purpose was to examine the change in the perception and management behaviors related to credit cards according to the types of shopping value. The third purpose was to examine the effects of shopping value on perception and management behaviors on credit cards. The data were collected from 392 college students in Seoul by a self-administered questionnaire. Analyses including frequency, mean, factor analysis, Cronbach's alpha, Pearson's correlation analysis, Crosstabulation analysis, analysis of variance, K-means Cluster analysis and Multiple linear regression were conducted using SPSS WIN12.0. The major findings were as follows. First, college students can be categorized into 3 types of shopping values by K-means Cluster analysis of 14 items. The groups were entitled the hedonistic shopping value, the utilitarian shopping value, and the saving shopping value. Second, positive perception and management behaviors related to credit cards were different depending on the types of shopping value. The hedonistic shopping value group had a higher level of positive perception of credit cards and a lower level of credit card management, compared with the other groups. The saving shopping value group had higher levels of both positive perception and management of credit cards. Among the three groups, the utilitarian shopping group had the lowest level of positive perception of credit cards, despite having ahigher level of credit card management. Lastly, the most effective variance on credit card management was the utilitarian shopping value. These results suggest that a healthy shopping value is very important for having a healthy perception and management of credit cards, because shopping value is a critical variance to affect perception and management of credit cards.

• 한국생활과학회지
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• 제14권1호
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• pp.95-105
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• 2005

This study examined the factors affecting college students' money management behaviors according to credit card usage. The data were collected from 481 college students in Busan and Gyeongnam areas by a self-administered questionnaire. Frequencies, Cronbach's Alpha, factor analyses, t-test, Pearson's correlation analysis, and regression analyses were conducted by SPSS WINDOWS. The results from this study were as follows. First, there were significant differences between credit card usage group and non-usage group in the means for future preparation, stingy attitude, and planned expenditure. However, there was no significant difference in the mean of money management behaviors. Second, for the credit card usage group, the significant variables affecting money management behaviors included sex, grade, experience of consumer education, father's occupation, monthly household income, future preparation, stingy attitude, methods of emotional change, planned expenditure, and negative recognition. On the other hand, for the non-usage group, grade, experience of consumer education, father's occupation, way of success, future preparation, stingy attitude, planned expenditure, and conditional permission were significant. These results imply that financial management education including values about money and consumption patterns should be conducted.

• 한국경영과학회:학술대회논문집
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• 한국경영과학회 2004년도 추계학술대회 및 정기총회
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• pp.68-98
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• 2004

Although the internet is useful for transferring information, Internet auction environments make fraud more attractive to offenders because the chance of detection and punishment are decreased. One of fraud is phantom transaction which is a colluding transaction by the buyer and seller to commit illegal discounting of credit card. They pretend to fulfill the transaction paid by credit card, without actual selling products, and the seller receives cash from credit card corporations. Then seller lends it out buyer with quite high interest rate whose credit score is so bad that he cannot borrow money from anywhere. The purpose of this study is to empirically investigate the factors to detect of the phantom transaction in online auction. Based up on the studies that explored behaviors of buyers and sellers in online auction, bidding numbers, bid increments, sellers' credit, auction length, and starting bids were suggested as independent variables. We developed an Internet-based data collection software agent and collect data on transactions of notebook computers each of which winning bid was over 1,000,000 won. Data analysis with logistic regression model revealed that starting bids, sellers' credit, and auction length were significant in detecting the phantom transaction.

• 경영과학
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• 제21권2호
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• pp.273-289
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• 2004

Although the Internet is useful for transferring information, Internet auction environments make fraud more attractive to offenders, because the chance of detection and punishment is decreased. One of these frauds is the phantom transaction, which is a colluding transaction by the buyer and seller to commit the illegal discounting of a credit card. They pretend to fulfill the transaction paid by credit card, without actually selling products, and the seller receives cash from the credit card corporations. Then the seller lends it out with quite a high interest rate to the buyer, whose credit rating is so poor that he cannot borrow money from anywhere else. The purpose of this study is to empirically investigate the factors necessary to detect phantom transactions in an online auction. Based upon studies that have explored the behaviors of buyers and sellers in online auctions, the following have been suggested as independent variables: bidding numbers, bid increments, sellers' credit, auction lengths, and starting bids. In this study. we developed Internet-based data collection software and collected data on transactions of notebook computers, each of which had a winning bid of over W one million. Data analysis with a logistic regression model revealed that starting bids, sellers' credit, and auction length were significant in detecting the phantom transactions.

• 디지털융복합연구
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• 제14권1호
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• pp.151-161
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• 2016

최근 기후변화, 환경오염 등이 일상에 미치는 영향이 커지고 있으며, 이들 문제를 해결하기 위한 정책의 일환으로 정부는 누구나 쉽게 친환경행동을 실천할 수 있도록 동기를 부여하기 위해 2011년 7월 그린카드제도를 도입하였다. 개인과 가정이 환경문제를 현실 문제로 인식하고 적극적으로 실천하도록 하기 위해서는 끊임없이 변하는 소비자 행동패턴 데이터를 얻고, 이에 맞추어 친환경행동을 촉진할 수 있는 방안들을 구체적으로 제시하는 것이 중요하다. 이에 본 연구에서는 지난 2015년 1월부터 3월까지 3개월간 생성된 57천 여 개의 실제 그린카드 고객정보 및 거래데이터를 가지고 데이터마이닝의 방법론 중 하나인 연관규칙 분석법으로 고객의 친환경제품 구매 연결망을 도출하였고, 더 나아가 의사결정나무 분석을 실시하여 고객의 친환경행동에 영향을 미치는 유용한 변수와 고객의 특성을 세분화하였다. 그린카드 거래 및 친환경소비 실천에 있어 상위 10%에 해당하는 로열고객의 특성을 분석한 결과, 이들은 30~40대의 연간 소득수준이 3천만원대부터 4천만원 대에 해당하고, 대구, 경기, 서울에 거주하는 고객인 것으로 나타났다.

• 지능정보연구
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• 제27권3호
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• pp.113-137
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• 2021

모바일뱅킹의 성장세 뚜렷한 가능성에 따라 이와 관련한 연구들이 다수 진행되고 있으나, 국내의 경우 기술적인 요소나 소비자의 이용 의도 및 행동, 만족에 대한 분석으로 집중되어 있는 실정이다. 또한 20대라는 견고한 고객층을 보유하였음에도 이러한 고객 집단을 특정하여 진행된 연구는 거의 찾아볼 수 없다. 모바일뱅킹이 한 단계 도약하기 위해서는 그 자체에 대한 연구뿐만 아니라 모바일뱅킹에 영향을 미치는 외부요인에 대한 연구를 통해 다양한 관점을 확보하는 전략이 필요하다. 따라서 본 연구는 20대의 모바일뱅킹에 유의미한 영향을 미칠 수 있는 다양한 외부요인 중 충동성, 신용카드사용 여부, SNS 중독을 분석하였다. 충동성의 네 가지 하위요인인 부정긴급성, 긍정긴급성, 계획성부족, 지속성부족과 모바일뱅킹 사용률 간의 관계를 검토하고, 여기에 신용카드 사용 여부가 영향을 미치는지 확인하였다. 또한 충동성의 각 하위요인과 SNS 중독의 세 가지 하위요인인 조절실패 및 일상생활장애, 몰입 및 내성, 부정정서회피 간의 관계를 탐색하였다. 이때 모바일 기반의 SNS 중독이 충동성과 모바일뱅킹 사용률 간의 관계에서 어떠한 매개효과를 보이는지 확인하였다. 이러한 분석을 위해 20대 남녀 150명을 대상으로 설문조사를 진행하였고, 수집된 자료는 SPSS Statistics 25 프로그램을 이용하여 연구문제에 따라 상관분석, 회귀분석 등을 실시하였다. 연구결과는 다음과 같다. 첫째, 긍정긴급성은 모바일뱅킹 사용률에 유의한 정적 영향을 미치는 것으로 나타났다. 둘째, 신용카드 사용 여부는 부정긴급성과 모바일뱅킹 사용률의 관계에서 조절효과를 보였다. 셋째, 충동성의 하위요인은 모두 SNS 중독의 하위요인과 유의미한 정적 관계가 있는 것으로 나타났다. 넷째, 긍정긴급성 및 SNS 중독, 모바일뱅킹 사용률의 관계에서 총효과와 직접효과가 나타나는 것으로 확인되었다.

• Asia pacific journal of information systems
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• 제22권1호
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• pp.53-77
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• 2012

Financial firms, especially large scaled firms such as KB bank, NH bank, Samsung Card, Hana SK Card, Hyundai Capital, Shinhan Card, etc. should be securely dealing with the personal financial information. Indeed, people have tended to believe that those big financial companies are relatively safer in terms of information security than typical small and medium sized firms in other industries. However, the recent incidents of personal information privacy invasion showed that this may not be true. Financial firms have increased the investment of information protection and security, and they are trying to prevent the information privacy invasion accidents by doing all the necessary efforts. This paper studies how effectively a financial firm will be able to avoid personal financial information privacy invasion that may be deliberately caused by internal staffs. Although there are several literatures relating to information security, to our knowledge, this is the first study to focus on the behavior of internal staffs. The big financial firms are doing variety of information security activities to protect personal information. This study is to confirm what types of such activities actually work well. The primary research model of this paper is based on Theory of Planned Behavior (TPB) that describes the rational choice of human behavior. Also, a variety of activities to protect the personal information of financial firms, especially credit card companies with the most customer information, were modeled by the four-step process Security Action Cycle (SAC) that Straub and Welke (1998) claimed. Through this proposed conceptual research model, we study whether information security activities of each step could suppress personal information abuse. Also, by measuring the morality of internal staffs, we checked whether the act of information privacy invasion caused by internal staff is in fact a serious criminal behavior or just a kind of unethical behavior. In addition, we also checked whether there was the cognition difference of the moral level between internal staffs and the customers. Research subjects were customer call center operators in one of the big credit card company. We have used multiple regression analysis. Our results showed that the punishment of the remedy activities, among the firm's information security activities, had the most obvious effects of preventing the information abuse (or privacy invasion) by internal staff. Somewhat effective tools were the prevention activities that limited the physical accessibility of non-authorities to the system of customers' personal information database. Some examples of the prevention activities are to make the procedure of access rights complex and to enhance security instrument. We also found that 'the unnecessary information searches out of work' as the behavior of information abuse occurred frequently by internal staffs. They perceived these behaviors somewhat minor criminal or just unethical action rather than a serious criminal behavior. Also, there existed the big cognition difference of the moral level between internal staffs and the public (customers). Based on the findings of our research, we should expect that this paper help practically to prevent privacy invasion and to protect personal information properly by raising the effectiveness of information security activities of finance firms. Also, we expect that our suggestions can be utilized to effectively improve personnel management and to cope with internal security threats in the overall information security management system.

• 디지털융복합연구
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• 제20권4호
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• pp.235-245
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• 2022

본 연구는 조직 내에서 구성원들이 느끼는 상사의 언행일치가 구성원들의 발언행동에 미치는 영향을 확인하고, 언행일치와 발언행동 간의 관계에서 상사신뢰가 매개효과가 있는지, 상사의 언행일치를 통한 상사신뢰와 구성원의 발언행동 간에 구성원의 심리적 안전감의 조절효과를 검증하였다. 표본은 서비스 관련 업종으로 보험, 증권, 은행, 컨설팅, 신용카드사의 구성원들을 대상으로 설문조사하여 424부를 분석에 이용하였다. 연구결과 첫째, 상사의 언행일치가 상사신뢰와 구성원의 발언행동에 유의한 정(+)의 영향을 확인하였다. 둘째, 상사신뢰는 상사의 언행일치와 구성원의 발언행동 간의 매개효과가 있음을 확인하였다. 셋째, 구성원들의 심리적 안전감은 상사신뢰와 구성원의 발언행동 간에 조절효과가 있으며, 심리적 안전감이 평균에서 높을 때 언행일치가 상사신뢰를 매개로 발언행동에 미치는 영향에서 심리적 안전감의 조절된 매개효과가 있는 것으로 나타났다.

• 대한지리학회지
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• 제30권1호
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• pp.68-92
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• 1995

소매업은 경제, 사회, 문화, 정치를 배경으로 소비자의 요구에 부응하며 발전해 가 기 때문에 지역구조의 이해라는 측면에서 증요한 연구 주제이다. 또한 소매업은 일상생활을 영위하기 위한 기본적인 기능이므로, 이에 대한 이해는 삶의 질 향상이라는 측면에서도 중 요하다. 최근, 우리나라는 주민소득의 향상과 그에 따른 수요의 다양화, 개성화, 그리고 정보 화 사회로의 이행, 대기업 및 외국유통업의 참여, 정부의 유통산업 근대화 작업 등 소매업 환경의 변화와 함께 소매업이 크게 변화하고 있다. 따라서 미래의 변화 예측과 바람직한 발 전 방향이 제시되어야 함에도 불구하고, 이에 대한 연구가 미흡하다. 이에 광주시를 연구대 상지역으로 선정하여, 소매업의 입지와 그에 대한 주민의 이용 행태, 그리고 주민의 바람직 한 이용방안을 분석하였다. 이는 입지행태라는 순수한 학문적기여 뿐 아니라, 지역의 효율성 과 평등성의 실현이라는 응용면에서도 중요한 의의를 지닌다.