• The Journal of Information Systems
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• v.12 no.1
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• pp.117-144
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• 2003

The purpose of this study is to be aware of the relationship between the perceived risk and purchasing intention after investing the impacts by 3 factors-consumer, media, and product characteristics on the perceived risk. The influence on perceived risk is categorized based on the 3 factors' combinations. The result of this study shows that the each characteristics of media, consumer, and product affect consumer's perceived risk and also this risk is affected by the relationship among these 3 independent variables. These results mean that the consumer's perceived risk about buying goods at the internet shopping mall or TV home shopping cannot be measured by a single dimension. Finally, it has a negative relationship between the perceived risk and purchasing intention. Implications for managers' use of shopping media are discussed in terms of the product and media characteristics fit.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.9
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• pp.75-91
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• 2022

This study assesses the Internet banking adoption tendency by existing bank customers of Bangladesh. Currently, almost all the leading banks in the country have implemented Internet banking platforms. However, the active user count remains relatively low and there hasn't been any conclusive research on the drivers and inhibitors of Internet banking. This study evaluates the reasons and quantitatively establishes the factors leading to the adoption and usage continuance of internet banking by existing bank customers. Responses from 460 bank account holders were collected via online questionnaires using a purposive sampling approach, and a core conceptual framework based on Technology Acceptance Model (TAM) and Technology Readiness Index (TRI) was used. The study concluded that internet banking adoption is significantly impacted by the ease of use, customer service, and technology familiarity. Similarly, customer satisfaction is affected by the perceived value and the perceived risk. Through regression analysis, it was found that usage continuance is 89% explained by adoption and customer satisfaction. Multi-group moderation showed significant impact by groups divided based on usage frequency, income level, and age. Perceived risk weakened the impact of perceived value and technology familiarity on usage adoption. Additionally, perceived risk reduced the impact of consumer satisfaction and usage continuance.

• The Research Journal of the Costume Culture
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• v.24 no.1
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• pp.41-53
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• 2016

The purposes of this study was to identify fashion shoppers' perceived risk and satisfaction while shopping at overseas online shopping malls based on their internet shopping values. A self-administered questionnaire was used for data collection and an internet survey was conducted from April 12~15, 2015. Most consumers purchased one or two fashion items at overseas online malls directly, motivated by low prices, and spent 200,000~400,000 won during the last one year. The factors of consumers' internet shopping values were information, hedonics, and practicality. Factors of perceived risk were delivery and refund, price and approval, and product and shopping mall. Consumers were divided into three categories: heavy pursuit shoppers, intermediate shoppers, and uninformed shoppers based on their internet shopping values. Heavy pursuit shoppers were primarily female; they spent more, felt a deeper patronage with overseas online shopping malls and their perceived risk regarding delivery and refund was higher than the other shoppers. The group of uninformed shoppers were primarily male. They spent less, had low patronage with overseas online shopping malls, and their perceived risk regarding delivery and refund was lower than other shoppers. Overall satisfaction was positively affected by information provided while shoppers were surfing the overseas online shopping malls and practicality. Satisfaction was negatively affected by perceived risk regarding price and approval and difficulty in finding specific products while shopping at overseas online shopping malls.

• Journal of Fashion Business
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• v.9 no.3
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• pp.134-149
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• 2005

Although Internet retailing is becoming a viable channel for apparel retailing, consumers are still reluctant to use Internet for apparel purchasing because at their concerns at Internet security and the difficulties at virtual shopping in unfamiliar shopping environment. The purpose at this study is to examine the nature at perceived risk associated with Internet apparel shopping and risk-reduction strategies used by Internet apparel shoppers. The data were collected via an online survey by a online research company. A total at 4,254 Internet users participated in this survey. Among these Internet users, 1,146 respondents had previous shopping experience in Internet shopping. Within this group, 195 were Internet apparel information seekers, and 589 were Internet apparel purchasers. Descriptive statistics, analysis of variance, and t-test were used to analyze the data. The perceived risks and risk-reduction strategies used by Internet apparel no-interest shoppers, Internet apparel information seekers (browsers), moderate Internet apparel purchasers, heavy Internet apparel purchasers were examined and compared. The results indicated that these tour groups were significantly different in apparel related risk, performance risk, and privacy risk. Internet purchasers tend to perceive more apparel-related, performance, and privacy risks than others. The results also indicated that these tour groups were significantly different in their opinions of risk-reduction strategies.

• Korean Journal of Human Ecology
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• v.20 no.2
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• pp.339-351
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• 2011

The purpose of this study was to inquire into how children's internet addiction is affected by home environments, computing environments, parental marital conflicts, parenting attitudes and parental monitoring and control as perceived by children. The study was conducted on 579 sixth graders at elementary schools located in Daejeon City. The data was analyzed by frequency, percentage, $X^2$, one way ANOVA, and scheffe analysis using the SPSS 18.0 version program. The results were as follows: first, out of 579 students, 5.0% were classified as at high-risk for addiction; 22.8% as at potential-risk; 72.2% as normal. Second, in the high-risk group, boys accounted for a higher percentage compared to girl students. Mothers' academic backgrounds and fathers' occupations affected the children's internet addiction. Third, the high-risk group tended to use the internet in internet cafes, to use it before going to elementary school, to use it for at least 4 hours once, and to use it to play games. Fourth, the high-risk group perceived parents marital conflicts as more frequent and more severer, as compared to other groups. Fifth, while the high-risk group perceived parenting attitudes as negative, the normal group perceived them as positive. Sixth, the potential-risk group and the normal group perceived parental monitoring and control as more frequent, as compared to the high-risk group.

• Journal of the Korea Society of Computer and Information
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• v.12 no.3
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• pp.213-223
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• 2007

The aims of this study are to determine if the perceived risk of e commerce affect the Internet shopping mall users'decision to pre-purchase an item via e commerce, to find out if there are differences among the induced perceived risk according to gender, and to verify if the perceived risk according to gender have a correlation to a person's decision to pre-purchase an item via e commerce. It was found from the analysis of the collected data that there are five factors of perceived risk of e commerce: economic risk, the product performance risk, social risk, technology/time loss risk, and privacy risk. First, the collected data were analyzed to determine if the perceived risk of e commerce affect people's purchase intentions, and on the matter of whether there are differences among the pre-perceived risk according to sender, As regards the differences among the relationships between the pre-perceived risk of e commerce and the purchase intention of the Internet shopping mall users based on gender. It can thus be concluded that the pre-perceived risk of e commerce affect the Internet shopping mall users purchase intention. Different results were obtained, though, according to sender. This means e commerce purchasers can use these results to recognize the risk of e commerce.

• Human Ecology Research
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• v.57 no.1
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• pp.1-13
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• 2019

Internet-based financial services are being increasingly integrated into consumers' daily lives. Internet-only banks have emerged as a powerful tool accelerating financial inclusion. This study investigates the satisfaction and continuous use intention predictors for Internet-only banks. We employed an extended post-acceptance model and used six antecedent factors that included perceived usefulness, perceived ease of use, privacy risk, functional risk, subjective norms, and network externality. All 351 participants used Internet-only banks and were 20-40 years of age. A self-administration online survey was conducted. SPSS 23.0 analyzed the frequency, description, and multiple regression analysis. The results of current study are as follows. The education, perceived usefulness, perceived ease of use, and network externality positively influenced the satisfaction of Internet-only banks. Privacy risk negatively influenced satisfaction with Internet-only banks. Perceived ease of use, subjective norm, network externality, and satisfaction positively influenced the continuous use intention of Internet-only banks. The results of our study provide a better explanation of important factors that could enhance the understanding of satisfaction and continuous use intention for Internet-only banks. Furthermore, this study extends the antecedent variables to the knowledge of financial services and enlarges the understanding of users' post-adoption behaviors.

• The Journal of Information Systems
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• v.29 no.2
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• pp.51-69
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• 2020

Purpose Today, the increasing of internet use and the expansion of internet range provide us with many opportunities. Therefore, this study examine relation of perceived ease of use, perceived playfulness, perceived risk, perceived usefulness based on previous studies. And we examine the effect of O2O service satisfaction on continuous use intention. Also, we studied the relationship between perceived ease of use, perceived playfulness, perceived risk, perceived usefulness according to user innovation. Design/Methodology A Structural Equation Model(SEM) method was used to test the theoretical framework based on a sample of 451 respondents who have experienced the O2O service. Factor analysis and confirmation factor analysis was conducted to check the reliability, convergency validity and discriminant validity. To test moderating effect of the user innovation, multi group analysis was conducted. Findings First, perceived ease of use, perceived playfulness, perceived risk have significant effects on perceived usefulness. Second, perceived usefulness of O2O service have a positive effect on satisfaction. Third, satisfaction of O2O service have a positive effect on continuous use intention. The relationship that perceived ease of use, perceived playfulness, perceived risk affect perceived usefulness is differ depending on user innovation. Based on these findings, this study suggested to marketing practitioners the need for different approach by a user innovation.

• Asia pacific journal of information systems
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• v.13 no.2
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• pp.119-143
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• 2003

Trust has been identified as a key component in many e-Commerce studies. The purpose of this study is to find out which factors play a major role in building trust and how the built-up trust affect consumer's purchase intention in Internet used-car transactions. Based on the information asymmetry, TAM(Technology Acceptance Model), and the trust theory, our research model includes factors such as a buyer's propensity-to-trust, institutional characteristics(inspection and warranty policy), word-of-mouth referral, perceived size, and perceived benefits as independent variables. The model also includes trust as a mediate variable, intention to purchase as a dependent variable and perceived quality risk as a moderate variable. The research model is tested by analyzing 787 sample data gathered from Internet used-car transaction sites. The result shows that the trust has significant effects on the online purchase intention, and institutional characteristics has been identified as the most significant factor for the trust of Internet used-car sites. The independent factors influencing trust vary depending on the level of perceived quality risk. For users who perceive the quality risk low, the perceived benefits explain a little portion of the purchase intention. However, those who perceive quality risk high would purchase used-cars only when they have trust on the Internet sites, indicating that trust play an important role as a mediate variable. This study suggests that enhancing the trust in Internet used-car sites is important to increase online transactions.

• Journal of the Korean Home Economics Association
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• v.40 no.5
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• pp.179-193
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• 2002

This study aims to examine the forming procedure of consumer satisfaction from Internet shopping experience. Many studies on the satisfaction have primarily focused on the examination of the antecedents of satisfaction along with the expectation-disconfirmation paradigm dominating the former studies. This study has built an Internet shopping expectation-disconfirmation model as to apply the expectation-disconfirmation into the condition of the Internet shopping. The summary of study represented in following. l. The expectation of risk and performance of benefit had a significantly positive effect on the perceived disconfirmation. In addition, an expectation of benefit and performance of risk had a significantly negative effect on the perceived disconfirmation. 2. A performance of risk and performance of benefit not only had a significantly indirect effect, but also a significantly direct effect on the consumer satisfaction. But expectation of risk and expectation of benefit had no significant direct effect on satisfaction. 3. Not only the perceived disconfirmation had a significant positive effect on satisfaction, but also an effect of the perceived disconfirmation on satisfaction(0.472) is larger than that of the performance of risk or performance of benefit. Meaning that, it is desirable for one to apply the expectation-disconfirmation model into the Internet shopping circumstances as much as the off-line markets.