While there have been a lots of studies on the use of cyber money, few researches proposed the results on relationships among quality factors, usage intention, and usage characteristics of cyber money in online business environment. Therefore, this study investigates the relationships between cyber money quality and usage intention of cyber money, and examines whether the usage characteristics(frequency, amount) of cyber money has moderating effect on the relationship between cyber money quality and usage intention of cyber money. Firstly, multiple regression analysis tells significant causal relationship between functional and emotional factors of cyber money quality and usage intention of cyber money. Secondly, dummy regression analysis shows usage characteristics of cyber money has the moderating effect on the relationship between cyber money quality and usage intention of cyber money. This paper concludes with some implications for both theory development and cyber money practice.
The main issues addressed in this paper are as follows : First, this paper makes a distinction among types of e-money, IC card type versus Network type, open-loop type versus closed-loop type, online type versus offline type and accountable type versus unaccountable type, and analysis the clear and accurate criterion. Second, generally speaking, e-money is a claim on originator of e-money and not legal tender, so, delivery of e-money by itself does not relieve of monetary obligation. Between it is not easy to define e-money, by now there are many definitions of e-money, there is a legal uncertainty accordingly and then it is not easy to find proper law applicable to resolve a particular issue. As a result. many problems relating to e-money would be solved through analogical application of the moot proper law among the laws that apply to the cash, check, credit card, or fund transfer after analyzing type of e-money at issue. This paper studies the methods on diffusion of the utilization of electronic money. To diffuse the usage of electronic money, it need; prerequisitely as a basic conditions independence of electronic money, non-reusability, and anonymity. And also as a additional conditions it need; usability in the offline commerce, transferability, divisibility. And now electronic money is used very actively, but still has many Jaw problems such as protections of consumer, law enforcement, supervisory, etc. So electronic money has called as money, but it is sure that electronic money is not a legal tender. So to facilitate the economic function of the electronic monel it is need to supplement the electronic money in the legal sides.
As the society has been capitalized, the importance of money has appeared widely. And there are many problems caused from the lack of money is supposed rather a qualitative problem happened by mismanagement of money than a quantitative. The purposes of this study are to suggest the desirable direction in money management education to adolescents and to provide some basic data to resolve the juvenile delin-quency caused from lack of money. With this purposes this study dealt with the money management behavior of adolescents with reference to self-concept, which was considered one of the influential factors to the money management behavior. Questionnaires composed with the Self-concept test (developed by Dr. chung) and the Money management test (developed by Dr. Troelstrup) were distributed to 300 high school students. 180 of them was taken as data. mean score and F-ratio were applied as statistical methods. As result, significant difference in money management behavior between the groups divided by self-concept scores were found. The higher the self-concept score is, the more desirable the money management behavior is. Here we cannclude as follow; As the money management behavior of adolescents differs with reference to the self-concept, it is possible to help the adolescents 세 develop the money management by inspiring the self-concept. And money management training as a consumer education is needed by all means at home, because it has an important effect upon the identity establishment, the major developmental task in adolescence.
The purposes of this study were to examine the attitude of undergraduates toward money and the differences in dining-out behavior among three groups of subjects divided by attitude toward money. Self-administrated questionnaires were completed by 387 undergraduates and data were analysed by frequency analysis, chi-square, t-test, one-way ANOVA, factor analysis, reliability analysis, duster analysis and discriminant analysis. Results of study were as follows. There appeared six different attitudes of money among the undergraduates investigated: money as a means of seizing power, money as a life pursuit, money as a tool for rational consumption, money as a barometer of success, money as a cause of anxiety, and distrust. The undergraduates showed several different attitudes of money according to gender, major, age and pocket money. Cluster analysis divided subjects into three groups by attitude toward money : low dependent group, moderately dependent group and high dependent group. Three groups of subjects classified by attitudes of money were different from one another in dining-out behavior as well. The low money-dependent group mainly spent less than 5,000 won on a dining-out, and relied on their own experience and recommendation from others on a dining-out information. In contrast, the high money-dependent group spent 20,000 won or more on dining-out, and the distribution of subjects acquiring dining-out information from various channels in that group was significantly higher than other groups.
The present research examined the interesting but less attended effects of pride- and surprise-tagged money on consumers' spending decisions. Focusing on the unexpected money received in their daily life, we explored recipient's judgments and responses toward pride-tagged money versus surprise-tagged, and identified differences in types of recipient's consumption and spending behaviors between the pride- tagged money and the surprise-tagged money. Consumers tend to use the money associated with pride (vs. surprise) to reward their invested effort; as a result, they were more likely to buy a personal gift. Moreover, in the context of self-gift, consumers with pride-tagged money have showed a bigger positive difference between the intent to buy individual self-expressive products and the intent to buy social self-expressive products than those with surprise-tagged money. And the receipt of pride-tagged money activates motivation to express one's individual self. Consumers who have received a sum of extra money tend to add the money into the current spendable income account and broaden the array of product category. And consumers with high arousal level of surprise triggered by receiving a sum of unpredictable money because of good luck show a smaller difference between the intent to buy individual self-expressive product and the intent to buy social self-expressive product than those with low level arousal in pride. Therefore, marketers should advertise their products in the respects of individual self-expression when their customers have pride-tagged money, and should advertise their products in the respects of social self-identity when they have surprise-tagged money by winning a large sum of unpredicted money like lottery winning.
The objective of this study is to analyze variables that have significant effects pocket money management of adolescents. and to provide useful information for parents and educators who educate adolescents. Data obtained from questionnaires returned by 1,200 adolescents who were randomly selected from middle and high Schools in Chejudo. The data were analyzed by using SPSS Win Program. 40.3% of the adolescents were satisfied with their pocket money. Monthly average pocket money of them was 305.00₩, middle school students were 19.780₩. high school students were 41.230₩ male students were 32.880₩. and female students were 28,130₩. Pocket money expenditure of adolescents differed significantly according to gender. school, region. and pocket money. 43.3% of adolescents had experiences in doing part time for making pocket money. Gender, school, and pocket money have a statistically significant effect on it. The strongest predictor of pocket money management of adolescents is their consumer socialization. Pocket money management of them mostly was influenced by family. friends. school. and mass media.
The purpose of this study was to analyze the casual relationship of the background variables. 4-value orientations. 5 money spending styles and the money management behavior of high school girls. The subjects were 498 high school girls. We used Cronbach\` $\alpha$. Pearson correlation coefficients multiple regression and path analysis as statistical analysis. The results were summarized as follows Resulting from path analysis, the money spending styles were the most influential variable on money management behavior and value orientations were more influential variable on the money spending styles rather than the money management behavior. The money management behavior of high school girls had the directive linear relationships with the variables such as goal-oriented value and 4 money spending styles-security conspicuous. non-monetary and unconcerned.
The purpose of this study was to examine the influences of their money attitudes to spending behaviors of middle, high, and college students. The total number of students selected for this study were 1,252. Factor analysis, Cronbach' ${\alpha}$, two-way ANOVA, Duncan' multiple range test, Pearson correlation analysis, and multiple regression were used for statistical analysis. The results were summarized as followings: 1) The tendency of attitude that money is good was highest. Also, the tendency of attitude that money represents freedom and power was slightly high. On the other hand the attitudes that money represents achievement, and that money is evil were low. Especially the attitude that money represents respect was lowest. 2) Resulting from two-way ANOVA, the attitudes that money is good and represents achievement showed significant interaction effects between sex and age. The altitude that money is good showed significant differences by sex especially among middle and high school students. The altitude that money represents achievement showed significant differences by age among the male students. Three types of attitudes that money is evil, money represents respect, and money represents both freedom and power showed significant main effects in different age groups. Also the attitude that money represents freedom and power showed significant main effect by different sexes. 3) Four different types of measuring spending behaviors scored slightly low mark. 4) Resulting from two-way ANOVA, four different spending behaviors showed significant difference only by sexes and ages. Planned spalding behavior and conscious spending behavior showed significant differences in ages and sexes separately. While impulsive spending behavior by different age groups resulted in significant differences. Excessive spending behavior by sexes resulted in significant differences. 5) Regression analysis showed that planned spending behavior had the linear relationships in no, sex, self-esteem, and attitude that money is good. Conscious spending behavior had the linear relationships in ses, and attitudes that money represent achievement. respect, and freedom. Impulsive spending behavior had the linear relationships in age, self-esteem, and attitudes that money is good and that money is evil, and attitude that money represent freedom, Excessive spending behavior had the linear relationships in sex, self-esteem, and attitudes that money represent achievement, respect and freedom.
The purpose of this study waw to investigate the effect of consumer knowledge of adolescents, money attitudes and consumption values on rational consumption behavior and the direct and indirect effects of these variables on rational consumption behavior. The subjects of this study were 524 students who were in the first grade and second grade of high school in Daegu. Multiple Regression Analysis and Path Analysis were employed for the data analysis. The major findings of this study were as follows: First, the knowledge of money management, the purchase knowledge and the consumerism knowledge effected on the money attitude, which regarded money as an instrument of future safety. Among these, it was found that the money management knowledge had the highest affect on this money attitude. The result suggests that the consumer knowledge affects desirable money attitude which regarded money as an instrument of future safety, and then consumer education influences positively money attitude. Second, the money attitude which regarded money as an instrument of future safety affected consumption values most, and the money attitude which regarded money as a means for approval of another person affected the ostentation, the conformity, the discrimination and the aesthetic enjoyment of consumption values. Third, the present study showed that the money attitude which regards money as an instrument of future safety and the economical consumption values were the important factor which affecting each subdimension of the rational consumption behavior. The result suggests the adolescents, who managed money well, saved it for the future, and saved the resources as much as possible when consuming, behaved rational and planned way through all process all process all consumption behaviors. Fourth, the consumer knowledge did not affect the rational consumption behavior directly, but indirectly through the money attitude and the consumption values. Therefore, the consumer knowledge, the money attitude and the consumption values were the important factor for the rational consumption behavior, and it revealed money attitude and consumption values played role as mediate variable. This study results suggest the consumer knowledge that adolescent have learned in school was theoretical and abstract, so it does not affect directly the rational consumption behavior. However these consumer consumption values affect the consumption behavior.
This paper outlines the findings of a consumer survey conducted in 1996 and 2001 by the University of Bonn, Germany, across 15 European countries. The survey involved a sample of 3,300 respondents in 1996 and around 11,000 respondents in 2001, throughout all 15 EU countries. Children and adolescents between the ages of 10 and 17 were surveyed on their consumption habits and their attitudes towards the environment. The paper outlines the key findings on "the process of socialization with money". Children come to appreciate the importance of money even before their first day at school. Even young children know you sometimes need cash to fulfil dreams. But the chance to experiment with money for real only comes when children first receive pocket money, usually from their parents. Later, in adolescence, consumer pressure starts to make an impact and it becomes more difficult to make ends meet. Spare time or holiday jobs help top up pocket money and enable adolescents to keep out of debt. This paper reports on a long term comparative study throughout the European Union among children and adolescents, analysed by country, age group and gender. The paper discusses the places young consumers can turn to in trying to fulfil their growing consumer needs. It also examines how much money is at their disposal. It then concludes by considering the influence of "financial socialization" on how young people deal with money.
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