• The Journal of Information Systems
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• v.28 no.1
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• pp.17-39
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• 2019

Purpose The purpose of the present study is to analyze the factors influencing the intention to use direct bank continuously from the perspective of service rather than technology. Hygiene factors including economic benefits, privacy, and unverified risks, and convenience of service as a motivator were considered as user's satisfaction. A research model integrating the relationships among user's satisfaction, its determinants, social influence, and continuous intention to use direct banks was proposed. Design/methodology/approach Structural equation modelling for validating the research model was employed. 253 valid data were collected from users of direct bank service in South Korea and China, and used to test six hypotheses. Findings User's satisfaction and social influence were determinants of continuous use intention of direct bank. Convenience of service as a motivator has a significant influence on service satisfaction, while economic benefits, privacy, and unverified risks as hygiene factors have no significant influence on the continuous intention. Managers of direct banks need to implement service differentiation strategies to gain customers' loyalty. Also they seek to find the determinants of social influence. The present study confirmed that there is a big difference between Korea and China in terms of factors affecting the continuous intention to use direct bank.

• Asia pacific journal of information systems
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• v.22 no.4
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• pp.7-29
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• 2012

Smartphone and its applications (i.e. apps) are increasingly penetrating consumer markets. According to a recent report from Korea Communications Commission, nearly 50% of mobile subscribers in South Korea are smartphone users that accounts for over 25 million people. In particular, the importance of smartphone has risen as a geospatially-aware device that provides various location-based services (LBS) equipped with GPS capability. The popular LBS include map and navigation, traffic and transportation updates, shopping and coupon services, and location-sensitive social network services. Overall, the emerging location-based smartphone apps (LBA) offer significant value by providing greater connectivity, personalization, and information and entertainment in a location-specific context. Conversely, the rapid growth of LBA and their benefits have been accompanied by concerns over the collection and dissemination of individual users' personal information through ongoing tracking of their location, identity, preferences, and social behaviors. The majority of LBA users tend to agree and consent to the LBA provider's terms and privacy policy on use of location data to get the immediate services. This tendency further increases the potential risks of unprotected exposure of personal information and serious invasion and breaches of individual privacy. To address the complex issues surrounding LBA particularly from the user's behavioral perspective, this study applied the privacy calculus model (PCM) to explore the factors that influence the adoption of LBA. According to PCM, consumers are engaged in a dynamic adjustment process in which privacy risks are weighted against benefits of information disclosure. Consistent with the principal notion of PCM, we investigated how individual users make a risk-benefit assessment under which personalized service and locatability act as benefit-side factors and information privacy risks act as a risk-side factor accompanying LBA adoption. In addition, we consider the moderating role of trust on the service providers in the prohibiting effects of privacy risks on user intention to adopt LBA. Further we include perceived ease of use and usefulness as additional constructs to examine whether the technology acceptance model (TAM) can be applied in the context of LBA adoption. The research model with ten (10) hypotheses was tested using data gathered from 98 respondents through a quasi-experimental survey method. During the survey, each participant was asked to navigate the website where the experimental simulation of a LBA allows the participant to purchase time-and-location sensitive discounted tickets for nearby stores. Structural equations modeling using partial least square validated the instrument and the proposed model. The results showed that six (6) out of ten (10) hypotheses were supported. On the subject of the core PCM, H2 (locatability ${\rightarrow}$ intention to use LBA) and H3 (privacy risks ${\rightarrow}$ intention to use LBA) were supported, while H1 (personalization ${\rightarrow}$ intention to use LBA) was not supported. Further, we could not any interaction effects (personalization X privacy risks, H4 & locatability X privacy risks, H5) on the intention to use LBA. In terms of privacy risks and trust, as mentioned above we found the significant negative influence from privacy risks on intention to use (H3), but positive influence from trust, which supported H6 (trust ${\rightarrow}$ intention to use LBA). The moderating effect of trust on the negative relationship between privacy risks and intention to use LBA was tested and confirmed by supporting H7 (privacy risks X trust ${\rightarrow}$ intention to use LBA). The two hypotheses regarding to the TAM, including H8 (perceived ease of use ${\rightarrow}$ perceived usefulness) and H9 (perceived ease of use ${\rightarrow}$ intention to use LBA) were supported; however, H10 (perceived effectiveness ${\rightarrow}$ intention to use LBA) was not supported. Results of this study offer the following key findings and implications. First the application of PCM was found to be a good analysis framework in the context of LBA adoption. Many of the hypotheses in the model were confirmed and the high value of $R^2$ (i.,e., 51%) indicated a good fit of the model. In particular, locatability and privacy risks are found to be the appropriate PCM-based antecedent variables. Second, the existence of moderating effect of trust on service provider suggests that the same marginal change in the level of privacy risks may differentially influence the intention to use LBA. That is, while the privacy risks increasingly become important social issues and will negatively influence the intention to use LBA, it is critical for LBA providers to build consumer trust and confidence to successfully mitigate this negative impact. Lastly, we could not find sufficient evidence that the intention to use LBA is influenced by perceived usefulness, which has been very well supported in most previous TAM research. This may suggest that more future research should examine the validity of applying TAM and further extend or modify it in the context of LBA or other similar smartphone apps.

• Journal of Preventive Medicine and Public Health
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• v.56 no.1
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• pp.31-40
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• 2023

Objectives: This study investigated the effect of cognitive impairment on the association between social network properties and mortality among older Korean adults. Methods: This study used data from the Korean Social Life, Health, and Aging Project. It obtained 814 older adults' complete network maps across an entire village in 2011-2012. Participants' deaths until December 31, 2020 were confirmed by cause-of-death statistics. A Cox proportional hazards model was used to assess the risks of poor social network properties (low degree centrality, perceived loneliness, social non-participation, group-level segregation, and lack of support) on mortality according to cognitive impairment. Results: In total, 675 participants (5510.4 person-years) were analyzed, excluding those with missing data and those whose deaths could not be verified. Along with cognitive impairment, all social network properties except loneliness were independently associated with mortality. When stratified by cognitive function, some variables indicating poor social relations had higher risks among older adults with cognitive impairment, with adjusted hazard ratios (HRs) of 2.12 (95% confidence interval [CI], 1.34 to 3.35) for social nonparticipation, 1.58 (95% CI, 0.94 to 2.65) for group-level segregation, and 3.44 (95% CI, 1.55 to 7.60) for lack of support. On the contrary, these effects were not observed among those with normal cognition, with adjusted HRs of 0.73 (95% CI, 0.31 to 1.71), 0.96 (95% CI, 0.42 to 2.21), and 0.95 (95% CI, 0.23 to 3.96), respectively. Conclusions: The effect of social network properties was more critical among the elderly with cognitive impairment. Older adults with poor cognitive function are particularly encouraged to participate in social activities to reduce the risk of mortality.

• Fashion & Textile Research Journal
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• v.10 no.6
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• pp.917-925
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• 2008

The purpose of this study was to find out the relationship between consumer's perceived risks and return behavior on internet clothing shopping. Questionnaires were distributed to the consumers, total 517, males and females, aged from 20 to 39, who had experience of clothing purchasing through internet shopping malls. The results showed that consumer's return factors related to the perceived risks on internet shopping process. The results were as follows. First, factors of perceived risks in internet clothing shopping were categorized into product performance, account-related, delivery, economic, and social psychological risk. 5 consumer types of perceived risk were segmented by low-perceived risk group, product performance/delivery-perceived risk group, account related-perceived risk group, harmony with oneself/account related-perceived risk group, and harmony with others/economic-perceived risk group. Second, the consumer's perceived risks on internet shopping process affected one's return behavior. The factors of return was differentiated on the types of consumer's perceived risk. The relation between consumer's perceived risks and return behavior on internet clothing shopping was significant. Therefore company had better draw various strategies to manage consumer's perceived risk, in order to reduce the returns and improve consumer's satisfaction.

• Journal of health informatics and statistics
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• v.43 no.4
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• pp.318-328
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• 2018

Objectives: People are living longer, but often with diseases or chronic conditions. As a consequence, interest in resolving insurance blind spots is growing. This study provides substandard risk-relevant statistics to help substandard risks who are likely to fall in insurance blind spots obtain insurance coverage, such as the reimbursement of medical costs, as well as to stimulate insurance product development. Methods: This study uses National Health Insurance Service (NHIS) cohort data to determine the relevant statistics. The incidence rates of severe diseases are derived and compared against standard risks to establish a set of relative risk factors. These incidence rates of standard and substandard risks are then compared. Results: Currently, an individual's cancer history is used in the underwriting process for simplified issue insurance. However, underwriting focusing on hospitalization and procedures related to serious illnesses could lower premiums for substandard risks. Moreover, the statistical results could be used to expand the coverage of health insurance products. Conclusions: This study's relative risk factors can be used to derive simplified issue premium rates for substandard risks. They can also be used to implement discount and loading schemes for medical reimbursement insurance and help insurance companies implement proactive risk management.

• Korean Journal of Weed Science
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• v.13 no.4
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• pp.195-202
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• 1993

The benefits of pesticides in improving the food quantity and quality requirements for an increasing world population are significant, and they can be described in agronomic, economic and social terms. The risks are assessed from the hazards which are likely to occur in practice ; the hazards are defined by the toxicity of the pesticide to non-target organisms at various exposure levels. There are ways of reducing the risks (mainly by reducing exposure in practice) and improving the benefits of pesticides ; these are known as risk management and benefit management respectively. The overall risk-benefit assessment is facilitated if each component can be expressed in financial terms, but it must be made nationally or locally on a sound technical basis against the prevailing agronomic, socio-economic and political circumstances. Paraquat is used to illustrate the risk-benefit assessment process in general terms, and the conclusion is that the benefits greatly outweigh the risks. It is important to keep the risks of pesticides in perspective with those associated with other naturally occurring chemicals in our diet and with other everyday aspects of life. In an overall context, the pesticide risk is small.

• International Journal of Human Ecology
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• v.8 no.2
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• pp.47-60
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• 2007

While there is growing evidence regarding the subgroup-sensitive nature of risk factors among delinquent adolescents, researchers have paid little attention to the tracking of risks and needs by subgroups (e.g., gender, ethnicity, and the timing of onset for delinquency) among youth who are currently involved in the juvenile court system. Therefore, greater empirical attention directed toward subgroup-sensitive risk factors experienced by delinquent adolescents is thought to be both timely and necessary. A final convenience sample of 2167 court-involved adolescents in the US was used to specify subgroup-sensitive risks and needs. The results demonstrated that there were various levels of risks according to subgroups associated with gender, ethnicity, and onset for delinquency group. The findings of this study add to the extant literature on delinquency by demonstrating the importance of considering subgroups associated with gender, ethnicity, and the timing of onset for delinquency when practicing treatment or intervention programs with delinquent adolescents.

• Journal of Engineering Education Research
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• v.25 no.2
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• pp.42-56
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• 2022

This study aimed to investigate the views of STEM college students on the social responsibility of scientists and engineers. A total of 660 students in STEM majors at several Korean universities participated in the study. We assessed social responsibility among college students in STEM majors using the VSRoSE scale, which taps into eight different domains of social responsibility: Concern for human welfare and safety (HUMAN), Concern for environmental sustainability (ENVIR), Consideration of societal risks and consequences (CONSEQ), Consideration of societal risks and consequences (CONSEQ), Consideration of societal needs and demands (NEEDS), Pursuit of the common good (COMGOOD), Civic engagement and services (CIVIC), Communication with the public (COMMU), and Participation in policy decision-making (POLICY). Group differences in social responsibility by gender, majors, and years in school were examined. Mean scores in HUMAN, ENVIR, and CONSEQ were relatively higher than those in NEEDS, COMGOOD, CIVIC, COMMU, and POLICY. Cluster analysis identified five different groups with similar patterns of social responsibility scores. In addition to two groups with overall high and low scores across all eight factors of VSRoSE, three additional groups with different combinations of high and low scores in different factors were identified. The results indicated that students with low social responsibility are not homogeneous and these heterogeneous sub-groups of students will need tailored interventions highlighting different factors of social responsibility that they lack. Pedagogical implications of social responsibility for education were discussed.

• Korean Journal of Social Welfare Studies
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• v.47 no.4
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• pp.361-388
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• 2016

The purpose of the study was to conduct an empirical study on the scope and level of social exclusion experienced by persons with psychosocial disabilities. The Wave 6 data of the Panel Survey of Employment for the Disabled were used to investigate the current status of social exclusion in life areas including income, education, work, housing, health, social network, social participation, and discrimination (N=4,161). A series of logistic regressions were executed, with the psychosocial disability(PD) group being the reference; the reverse odds rations of different disability groups were compared against the PD reference group (OR=1). The results showed that compared with all others, the PD group was about 2 to 11 times more likely to have risks in income, work, and housing; and that compared to other groups except for the autism/developmental disability group, they were about 6 to 10 times more likely to have risks in social network, social participation and discrimination. In conclusion, the authors urged the need for legal mandates to have community based mental health services and welfare services for the disabled more available to the PD groups and the necessity to eliminate various discriminatory legislations that are violating human and social rights of the persons with PDs.

• Korean Journal of Human Ecology
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• v.1 no.1
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• pp.126-142
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• 1998

The purpose of this study was to investigate the relationship between perceived risk and purchasing behavior of clothing gift among adult women. Data were collected from 258 adult women reside in Kwangiu who have ever been to purchase clothing gift during recent six months using a qusetionaire. Frequency Analysis, Factor Analysis, Correlation Analysis, T-test were carried out in the collected data. The findings were as follows; 1. The types of risks that respondents perceived when they purchased clothing gift were identified as practical-economic risk, the social-psychological risk, the fashionable risk and the time-refunding risk. 2. The higher the self-satisfaction motivation was, the higher the social-psychological risk and the higher the practical motivation was, the higher the practical-economic risk (P<.001). 3. The degree of the perceived risks of the Low Planning Group was higher than that of the High Planning Group (P＜.001). 4. When the respondents perceived social-psychological risk high, they considered brand, fashionability, and store type as more important selective criteria and when the practical-economic risk perceived high, practicality, store service were conidered more important (P＜.05). 5. When respondents perceived social-psychological and fashionable risk high, they used both personal information and non-personal information high (P<.01). (Korean J Human Ecology 1(1) : 126∼142, 1998)