• Human Ecology Research
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• 제59권3호
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• pp.419-432
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• 2021

To help korean fashion brands establish CSR activities in the chinese market in the future, this study investigated the influence of korean fashion brands' CSR fit with Chinese Consumers on Consumer Satisfaction and brand attitude, with the moderating effect of ethnocentrism. An online survey was conducted with 20-39 year-old consumers in China from April 18 to April 30, 2021. Data analysis was conducted using SPSS 24.0 and Amos 24.0. The results of this paper are as follows. First, environmental CSR fit had the greatest impact on consumer satisfaction, followed by financial CSR fit and social contribution CSR fit. Second, environmental CSR fit and social contribution CSR fit had positive effects on brand attitude, while financial CSR fit did not have a positive effect on brand attitude. Third, as customer satisfaction has a favorable effect on brand attitude, it can be inferred that the greater the satisfaction customers feel for a Korean fashion brand in China, the more positive the attitude they develop toward Korean brands. Fourth, there was no significant difference between groups that had a high and low degree of ethnocentrism, confirming that ethnocentrism does not have a moderating effect on consumer satisfaction. On the other hand, in the relationship between environmental and social contribution CSR fit and brand attitude, there was a greater impact in the low ethnocentrism group compared with the high ethnocentrism group, which verifies the moderating effect of ethnocentrism.

• 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.

• 가족자원경영과 정책
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• 제10권4호
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• pp.125-143
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• 2006

The purpose of this study is to develop and test the effectiveness of a financial education program that make the elderly recognize financial problems and find available strategy to improve their financial situation. Based on the literature review and economic structure of the elderly, a financial education program was developed with three parts: 'My elderly lift'; 'Doubling my income'; and 'Safe investment strategy.' 42 elderly people in Senior academy participate in three-session program and 39 people completed pre and post-test and satisfaction survey. In order to examine the effectiveness of the program paired t-test was used. According to evaluation results, the program was found to have a positive effect on enhancing knowledge in elderly lift and financial management, but not on changing attitude. Most of participants show high level of satisfaction with the program.

• 한국정보시스템학회지:정보시스템연구
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• 제18권2호
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• pp.1-18
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• 2009

Recently, internet banking is growing rapidly. Moot banks in Korea provide internet banking services. Internet banking becomes a major trend in the financial marketplace. With advanced computer technology and declining communication costs, many customers prefer online alternatives such as internet banking, mobile banking or phone banking rather than going to banks by themselves. The number of customers using those alternatives is skyrocketing and domestic commercial banks encourage them of the use. As the internet is highly developed, customers demand higher quality services and banks develop and provide diverse services in order to respond to them. However, internet banking service users are still afraid of their personal and financial information being exposed on the internet. The purpose of this research is to empirically analyze the influence that appropriate internet banking affect user's security intention. The research model proposed in this study includes user's security intention which is influenced by self-efficacy, security trust, Internet banking attitude, perceived security and security intention. According to the result of this study, self-efficacy and security trust are related to the security attitude. There is a significant relationship between security attitude and perceived security. Also, user's security attitude and perceived security is significantly affected by security intention.

• 디지털융복합연구
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• 제11권11호
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• pp.117-132
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• 2013

본 연구는 앞으로 은퇴생활을 시작하게 될 중년층의 재무교육 여부 및 퇴직태도가 노후준비인식(경제적, 신체적, 정서 사회적)에 미치는 영향과 이들 변수들 간의 차이점 분석을 통한 문제점을 파악하여 중년층의 노후준비도의 개선방향을 모색하고자 하였다. 연구대상은 수도권에 거주하는 중년층 355명을 대상으로 하였으며 자료 분석은 SPSS 18.0 프로그램을 이용하여 빈도분석, 요인분석, 신뢰도분석 및 t-test, 일원 분산분석 등을 하였다. 연구내용은 퇴직을 앞둔 중년층의 휴식으로서의 전환이 경제적 노후준비와 신체적 노후준비, 정서 사회적 노후준비의 상관관계와 새로운 시작, 일의 계속, 강요된 분열의 영향요인에 관한 연구결과를 살펴보았다. 첫째, 연령이 높을수록, 기혼, 소득과 직업경력이 높을수록, 종교가 있는 경우, 건강상태가 좋을수록 경제적, 신체적 노후준비 인식이 높게 나타났다. 둘째, 중년층의 재무교육이 영역별 노후준비 인식에 미치는 영향을 알아냄으로써 사전 퇴직교육과 은퇴준비의 필요성을 알 수 있었다. 셋째, 퇴직태도는 신체적 노후준비 인식에 영향을 미쳐 자아존중과 가정의 안정 및 경제적인 면과 건강상태, 여가활동 등의 영향요인이 있음이 분석되었다.

• The Journal of Asian Finance, Economics and Business
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• 제7권6호
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• pp.525-535
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• 2020

The study aims to investigate the roles of financial education (FE) as a moderator to financial attitude (FA), parental financial socialisation (PFS), and financial literacy (FL) to ensure the success of prudent financial management practices (PFMP) among Malaysian youth. The study was designed quantitatively and employed self-administered questionnaires, which were adopted from previous studies and distributed to 480 youths in Malaysia. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to test hypotheses of the study. The results showed FA, PFS and FL have significant and positive relationship with PFMP. However, as regards moderating interaction of FE, results showed that FE does not significantly moderate the relationship between FA, PFS and FL with PFMP. The results further highlighted serious concerns on the effectiveness of FE towards improving youth capability in managing their financial affairs prudently. This proved that mandated FE prior to graduation has less effect and does not lead to behavior changes among Malaysian youth. It shows the challenges faced by the country stakeholders to strengthen FE, enhance the effectiveness and encompass the right FE elements to ensure today's young Malaysians are able to apply what they learned in the classroom to their real life.

• 가정과삶의질연구
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• 제23권5호
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• pp.15-26
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• 2005

The purpose of this study was to investigate the factors affecting credit card attitudes, financial management practices, and sound credit card use among college students, and to conceptualize a theoretical model. Earlier studies identified a number of antecedent variables (such as gender, year in college, job experience, amount of allowance, family income, living with parents, having taken a personal financial management course) and intervening variables (such as attitudes towards credit cards and financial management practices) as useful predictors of sound credit card practices. Four hundred and thirty four undergraduate students in Daejeon participated in this study. Stepwise multiple regression and path analysis were conducted. The results of this study were as follows: 1. Students' attitudes towards credit cards were affected by their you in college, whether they were living with their parents, and the amount of their allowance. Similarly, students' financial management practices were affected by their year in college, whether they were living with their parents, the amount of their allowance, and whether and not they had taken a personal financial management course. 2. Sound credit card practices were influenced by students' gender, their year in college, the amount of their allowance, attitudes towards credit cards, and financial management practices. 3. The path-analysis model demonstrates the relationships among the antecedent variables, intervening variables (credit card attitude, financial management practices), and sound credit card use.

• 한국생활과학회지
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• 제16권4호
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• pp.745-759
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• 2007

The study aims at investigating the causal relationships among leisure expenditures, leisure activity participation and leisure satisfaction of adult consumers. Data were collected from 415 adult consumers in Ulsan. ANOVA, multiple regression, and path analysis were used for the statistical analysis. The results indicated that marital status, household income and subject's attitude toward leisure had significant impacts on leisure expenditures, while their satisfaction with financial status, household income, leisure plan, their attitudes toward leisure and personal acquaintanceship significantly affected leisure activity participation. To leisure satisfaction, their satisfaction with financial status, the attitudes toward leisure, leisure expenditures and leisure activity participation were positively related, and leisure plan was negatively related. The results of path analysis showed that marital status, household income, the satisfaction with financial status, their attitude toward leisure, leisure plan, personal acquaintanceship, leisure expenditures, and leisure activity participation had direct or indirect effects on leisure satisfaction.

• 가정과삶의질연구
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• 제32권1호
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• pp.43-61
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• 2014

The purpose of this study is to examine the consumer competency of women in their 20-40s after consumer competency is classified into consumer knowledge, consumer attitude and consumer skill. Since these components can show differences based on the areas of consumption life, the areas of consumer competency are classified into financial management areas, trading areas and consumer citizenship areas. The differences in consumer competency based on marital status and the differences in variables affecting consumer competency by marital status are identified. The types of consumers are classified and characterized based on consumer competency and marital status. This sentence can immediately follow the previous one rather than start a new paragraph. The same goes for the other sentences below. First, the female consumer competency levels of the married group were generally higher than those of the single group. Second, consumer knowledge and consumer competency in financial management areas showed significant interaction effects between the marital status and employment status of demographic variables. Third, there were differences in factors affecting significant differences in consumer knowledge, consumer attitude, consumer skill and over all consumer competencies between the unmarried and married groups.

• Journal of Information Technology Applications and Management
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• 제22권4호
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• pp.225-251
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• 2015

This paper analyzed factors for employees to violate information security policy in financial companies based on the theory of reasoned action (TRA), general deterrence theory (GDT), and information security awareness and moderating effects of perceived sensitivity of customer information. Using the 376 samples that were collected through both online and offline surveys, statistical tests were performed. We found that the perceived severity of sanction and information security policy support to information policy violation attitude and subjective norm but the perceived certainty of sanction and general information security awareness support to only subjective norm. Also, the moderating effects of perceived sensitivity of customer information against information policy violation attitude and subjective norm were supported. Academic implications of this study are expected to be the basis for future research on information security policy violations of financial companies; Employees' perceived sanctions and information security policy awareness have an impact on the subjective norm significantly. Practical implications are that it can provide a guide to establish information security management strategies for information security compliance; when implementing information security awareness training for employees to deter violations by emphasizing the sensitivity of customer information, a company should make their employees recognize that the customer information is very sensitive data.