• Title/Summary/Keyword: internet perceived risk

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The effects of the degree of education related to information systems on online transaction intention and security concerns - Comparative analysis of the use of the Internet and smartphone (정보시스템 관련 교육의 정도가 보안 우려 및 온라인 거래 의도에 미치는 영향 - 인터넷 이용과 스마트 폰 이용의 비교 분석)

  • Jung, Seung-Min
    • Journal of the Korea Society of Computer and Information
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    • v.17 no.8
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    • pp.145-161
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    • 2012
  • This study aims to explore how the degree of education related to information systems and the Internet literacy affect perceived security risk and how these three variables affect online transaction intention based on the Technology Acceptance Model (TAM). Since using smartphone to purchase necessary products is increasing, the study provided two different cases of using the existing Internet and smartphone to buy products. As a result of an empirical test, the degree of information system education, internet literacy, and perceived security risk had significant effects on online transaction intention mediating perceived usefulness and perceived ease of use. Unlike the expectation, the more people have education related to information systems, the more they have knowledge about hacking or cases of privacy infringement, leading to even more concerns about security, thereby believing the Internet transactions require much effort. The more the education about information system, the more we have concerns about security; therefore, perceived security risk have a positive(+) effect on perceived usefulness not a negative(-) effect. Lastly, while the degree of education related to information systems has relations with the recognition of the usefulness of the Internet transaction, the study showed that there are no relations of recognizing the usefulness and the ease of use of smartphone.

The Effect of Consumer Need for Tactile Cues on Purchase Intention in Internet Shopping Mall - An Moderating Effect of Perceived Risk, Purchased Experience - (인터넷 쇼핑몰 이용자의 촉각단서 윽구가 의류상품 구매행동에 미치는 영향에 관한 연구 - 구매경험, 지각된 위험의 조절효과 -)

  • Kwon, So-Young;Lee, Jin-Young;Oh, Hee-Sun;Suh, Yong-Han
    • Fashion & Textile Research Journal
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    • v.6 no.5
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    • pp.618-624
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    • 2004
  • This study is to explore how consumers' needs for tactile cues affect their purchasing behaviors in the internet shopping mall. Since previous studies about internet shopping malls are mainly performed on the primary factors of perceived risk, there are insufficient studies of tactile cues for apparel products. Emphasis of this study is placed on verifying the following hypothesis; it is expected that consumers' needs for tactile cues affect apparel purchasing behaviors in internet shopping. The questionnaire was administered to 20 to 30 year old male and female respondents who are either students or businessmen living in the Busan area. 150 questionnaires were completed and collected for data analysis. The data were, using SPSS 10. 0 for Window, statistically analyzed by frequency and factor analysis for VARIMAX, Cronbach's coefficient and Linear regression analysis. Data were, using SPSS 10. 0 for Window, statistically analyzed by frequency and factor analysis for VARIMAX, Cronbach's coefficient, and ANOVA. The results of data analysis are as follows: First, the tactile cues negatively affect purchase intentions of consumers. This shows that apparel internet shoppers who have high desire for tactical cues tend to avoid purchasing products through the internet. Second, the factor analysis of the moderating effect on perceived risks shows that the perceived risks significantly moderate both the tactile cues and purchase intention of consumers. Third, analysis of purchased experience also shows that purchased experiences significantly moderate both the tactile cues and purchase intention.

Clothing Expense, Consumer Innovativeness and Perceived Risk of Male and Female Customers of Various Fashion Retail Channels (주 이용 패션 소매 유통 경로에 따른 남녀 고객들의 의복 지출, 소비자 혁신성 및 구매 시 위험 지각 수준 비교)

  • Chung, Ihn Hee
    • Journal of the Korean Society of Clothing and Textiles
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    • v.39 no.5
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    • pp.714-727
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    • 2015
  • This study investigated consumers' clothing expense, consumer innovativeness and perceived risk to the channel type they frequently purchase fashion products and compared the relationship between the variables. A survey of male and female college students was conducted and 367 responses were analyzed using descriptive statistics, chi-square analysis, two-way ANOVA, factor analysis, reliability analysis, and correlations. Female consumer clothing expenses were high compared to male consumers, and clothing expenses of consumers using department stores and independent banded stores were high compared to those using internet shopping malls. The sub-dimensions of consumer innovativeness were determined as adventure-oriented, unique-oriented, and change-oriented, and female consumers have characteristics more unique-oriented and change-oriented. In the case of female respondents, unique-oriented innovativeness was highest for department store customers, while the male customer of non-branded stores showed the highest unique-oriented innovativeness. Perceived risk indicated the highest score from the customers of internet shopping mall. Department stores were recognized as reliable by female department store customers. Clothing expenses and consumer innovativeness dimensions showed significantly positive correlations; in addition, the relation between clothing expense and perceived risks were significantly negative. Consumer innovativeness and perceived risks have positive relations.

Smartphone Banking: The Factors Influencing the Intention to Use

  • Kim, JinBaek;Kang, Sungmin;Cha, Hoon S.
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.7 no.5
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    • pp.1213-1235
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    • 2013
  • In this paper, we investigated the factors affecting the intention to use smartphone banking with a research model based on the Technology Acceptance Model (TAM) extended to include security risk, trust, and self-efficacy. With analysis after controlling factors such as age, gender, and previous experience of smartphone banking that may have effects, we conclude that perceived usefulness, perceived ease of use, security risk, and trust have direct effect on the intention to use smartphone banking, and self-efficacy has indirect effect on the intention to use through mediation of perceived ease of use. We performed a study to check the validity of TAM in the context of smartphone banking, and confirmed that perceived ease of use has both direct and indirect effect on the intention to use.

A Study on the Determinants of Purchase Intention in Mobile Commerce: Focused on the Mediating Role of Perceived Rrisks and Perceived Benefits (지각된 위험과 지각된 혜택이 모바일 상거래 이용의도에 미치는 영향에 관한 연구)

  • Lee, Thae-Min;Lee, Eun-Young
    • Asia pacific journal of information systems
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    • v.15 no.2
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    • pp.1-21
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    • 2005
  • This study is an empirical study about the effects of perceived risks and perceived benefits on purchase intention in mobile commerce. Perceived risks and perceived benefits are proposed as mediators that make a significant impact on purchase intention in mobile commerce. Also, this study compared the direct effect of perceived risks, perceived benefits and consumer subjective knowledge to purchase intention. As antecedents of perceived risks and perceived benefits, subjective knowledge, mobile Internet familiarity, credibility for the purchase and provided information level are proposed and verified. Results from this study are as follows: First, the effect of perceived risks to purchase intention is not significant whereas that of perceived benefits is significant. Second, this study revealed that mobile Internet familiarity, credibility for the purchase and information level are significantly related to mobile purchase intention through perceived benefit. Third, subjective knowledge makes a significant impact on purchase intention directly not mediated by perceived risk or perceived benefit. Based on these results, managerial implications for mobile commerce vitalization and marketing strategy are discussed. Finally, limitation for this research and further research issues are suggested.

An Analysis of the Perceived Risk, Shopping Motive, and Purchase Intention of the Social Commerce (소셜커머스의 지각된 위험, 쇼핑 동기, 구매의도와의 관계 분석)

  • Noh, Mi-Jin;Lee, Kyung-Tag
    • The Journal of Information Systems
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    • v.20 no.4
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    • pp.205-232
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    • 2011
  • With the rapid growth of internet technology, social commerce has played an important and central role in the online shopping area. Thus, we focus on the factors that influence on the adoption of social commerce. This study analyzes the relationship between perceived risk and the shopping motive in social commerce, and investigates whether the shopping motive significantly impact the purchase intention of the social commerce. The perceived risk is comprised of social risk and psychology risk, and the shopping motive is formed from personal motive and social motive. Finally, we analysis a moderating effect of collectivism. The results indicated that the personal motive was negatively affected by the social risk and psychology risk, and social motive was negatively affected by the psychology risk. The social risk and psychology risk had negative effect on the purchase intention, and personal motive and social motive had positive effect on the purchase intention of the social commerce. Finally, low collectivism seems to have the negative effect of the purchase intention by the perceived risk. The implications of integrating perceived risk and shopping motive into the proposed social commerce adoption model are discussed.

Surrogate Internet Shopping Malls: The Effects of Consumers' Perceived Risk and Product Evaluations on Country-of-Buying-Origin Image (망상대구점(网上代购店): 소비자감지풍험화산품평개대원산국형상적영향(消费者感知风险和产品评价对原产国形象的影响))

  • Lee, Hyun-Joung;Shin, So-Hyoun;Kim, Sang-Uk
    • Journal of Global Scholars of Marketing Science
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    • v.20 no.2
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    • pp.208-218
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    • 2010
  • Internet has grown fast and become one of the most important retail channels now. Various types of Internet retailers, hereafter etailers, have been introduced so far and as one type of Internet shopping mall, 'surrogate Internet shopping mall' has been prosperous and attracting consumers in the domestic market. Surrogate Internet shopping mall is a unique type of etailer that globally purchases well-known brand goods that are not imported in the market, completes delivery in the favor of individual buyers, and collects fees for these specific services. The consumers, who are usually interested in purchasing high-end and unique but not eligible brands, have difficulties to purchase these items overseas directly from the retailers or brands in other countries due to worries of payment failure and no address available for their usually domestic only delivery. In Korea, both numbers of surrogate Internet shopping malls and the magnitude of sales have been growing rapidly up to more than 430 active malls and 500 billion Korean won in 2008 since the population of consumers who want this agent shopping service is also expending. This etail business concept is originated from 'surrogate-mediated purchase' and this type of shopping agent has existed in many different forms and also in wide ranges of context level for quite a long time. As marketers face their individual buyers' representatives instead of a direct contact with them in many occasions, the impact of surrogate shoppers on consumer's decision making has been enormously important and many scholars have explored various range of agent's impact on consumer's purchase decisions in marketing and psychology field. However, not much rigorous research in the Internet commerce has been conveyed yet. Moreover, since as one of the shopping agent surrogate Internet shopping malls specifically connect overseas brands or retailers to domestic consumers, one specific character of the mall's, image of surrogate buying country, where surrogate purchases are conducted in, may play an important role to form consumers' attitude and purchase intention toward products. Furthermore it also possibly affects various dimensions of perceived risk in consumer's information processing. However, though tremendous researches have been carried exploring the effects of diverse dimensions of country of origin, related studies in Internet context has been rarely executed. There have been some studies that prove the positive impact of country of origin on consumer's evaluations as one of information clues in product manufacture descriptions, yet studies detecting the relationship between country image of surrogate buying origin and product evaluations rarely undertaken regarding this specific mall type. Thus, the authors have found it well-worth investigating in this specific retail channel and explored systematic relationships among focal constructs and elaborated their different paths. The authors have proven that country image of surrogate buying origin in the mall, where surrogate malls purchase products in and brings them from for buyers, not only has a positive effect on consumers' product evaluations including attitude and purchase intention but also has a negative effect on all three dimensions of perceived risk: product-related risk, shipping-related risk, and post-purchase risk. Specifically among all the perceived risk, product-related risk which is arisen from high uncertainty of product performance is most affected (${\beta}$= -.30) by negative country image of surrogate buying origin, and also shipping-related risk (${\beta}$= -.18) and post-purchase risk (${\beta}$= -.15) get influenced in order. Its direct effects on product attitude (${\beta}$= .10) and purchase intention (${\beta}$= .14) are also secured. Each of perceived risk dimension is proven to have a negative effect on purchase intention through product attitude as a mediator (${\beta}$= -.57: product-related risk ${\rightarrow}$ product attitude; ${\beta}$= -.24: shipping-related risk ${\rightarrow}$ product attitude; ${\beta}$= -.44: post-purchase risk ${\rightarrow}$ product attitude) as well. From the additional analysis, the paths of consumers' information processing are shown to be different based on their levels of product knowledge. While novice consumers with low level of knowledge consider only perceived risk important, expert consumers with high level of knowledge take both the country image, where surrogate services are conducted in, and perceived risk seriously to build their attitudes and formulate decisions toward products more delicately and systematically, which is in line with previous studies. This study suggests several pieces of academic and practical advice. Precisely, country image of surrogate buying origin does affect on consumer's risk perceptions and behavioral consequences. Therefore a careful selection of surrogate buying origin is recommended. Furthermore, reducing consumers' risk level is required to blossom this new type of retail business whether its consumer are novices or experts. Additionally, since consumer take different paths of elaborating information based on their knowledge levels, sophisticated marketing approaches to each group of consumers are required. For novice buyers strong devices for risk mitigation are needed to induce them to form better attitudes and for experts selections of better and advanced countries as surrogate buying origins are advised while endorsement strategy for the site might work as a reliable information clue to all consumers to mitigate the barriers to purchase goods online. The authors have also explained that the study suffers from some limitations, including generalizability. In future studies, tests of and comparisons among different types of etailers with relevant constructs are recommended to broaden the findings.

The Influence of Security and Risk Perception on the Reuse of Internet Banking (보안과 위험의 지각이 인터넷 뱅킹 재사용 의도에 미치는 영향)

  • Lee, Woong-Kyu
    • Asia pacific journal of information systems
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    • v.17 no.1
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    • pp.77-93
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    • 2007
  • Risk has been considered as one of very important topics in traditional consumer behavior theoretically and practically since its tendency of minimizing errors rather than maximizing utilization in addition to its intuitive appealing with very high explaining power. In addition to a traditional view of risk, importance of risk in online transactions such as Internet banking is due to technical instability in security of the Internet as well as temporal and spatial separation of transaction partners. Therefore, risk in online transactions should be analyzed by a very comprehensive way since it is very inherent in the Internet. The objective of this study is to suggest a research model for explaining the use of online transactions in some risk related variables including risk results, security result, perceived security, and social influence and show its validity by applying it to Internet banking users. In result, hypotheses suggested by our research model are shown to be valid ones.

The Effects of Perceived Risk Affecting Perceived Value and Repurchase Intention in Electronic Commerce Environment (전자상거래 환경에서 지각된 위험이 지각된 가치 및 재구매의도에 미치는 영향)

  • Duan, Li-Ni;Jung, Chul-Ho;Park, Kyung-Hye
    • Journal of Digital Convergence
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    • v.10 no.3
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    • pp.13-21
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    • 2012
  • The main purpose of this study is to find out how perceived risk elements influence to customer's perceived value and repurchase intention in the electronic commerce environment. To achieve the goal, we set 6 sub-dimension - privacy risk, social risk, time lose risk, economic risk, psychological risk, and performance risk - based on comprehensive consideration of related studies, and established a research model included 2 factors such as perceived value and repurchase intention to measure performance in internet shopping malls. From 174 customers of the electronic commerce shopping malls survey data have been collected and analyzed based on the covariance structural model method. Firstly, four perceived risk characteristics of privacy risk, economic risk, psychological risk, and performance risk are significant effect on perceived value. Secondly, perceived value is very significantly related to repurchase intention in electronic commerce shopping malls. Consequently, we discussed the strategies to create perceived value and repurchase intention in electronic commerce environment. Also, we suggested the implications and further research directions.

The Effect of Perceived Risk on the Intention to Adopt Mobile Banking Services (인지된 위험이 모바일 뱅킹 수용 의도에 미치는 영향)

  • Yang, Ji-Yun;An, Jung-Ho;Park, Cheol-U
    • Journal of Technology Innovation
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    • v.14 no.3
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    • pp.183-208
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    • 2006
  • Mobile banking is one of the most representative services applied to the mobile technology. However, there are few recent studies about the user acceptance of mobile banking, and prior studies only have been related to the positive effects of the service acceptances such as e-commerce and Internet banking service. The purpose of this research is to grasp the particular risk essentials in mobile banking which customers perceive, and the risk degree of user recognition which affect customer intention to adopt mobile banking through the exploratory research. The perceived risk is segmented into the performance risk, financial risk, time risk, social risk (or psychological risk), and privacy risk based on Cunningham's research (1967) and other recent studies. In the Unified Theory of Acceptance and Use of Technology (UTAUT), we have attempted to determine how different perceived risks have influence on the mobile banking adoption intentions of both the mobile banking users and potential users. The results indicate that performance expectancy, effort expectancy, and social influence have positive influences on the intention to use mobile banking service while perceived risk has a negative influence on the intention to use and performance expectancy.

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