Internet-only banks (IOB) refer to financial institutions which provide services entirely through online digital platforms without physical branches. Although IOBs have been around for over 26 years, there is still room for investigating what factors motivate customers to use them continuously and extensively. Therefore, this study aims to examine what factors lead to customers' intention of continued use and cross-buying on IOBs by extending the Post-Acceptance Model of IS Continuance (PAMISC). The result shows that perceived economic benefit and ongoing trust have significant relationships with the intention of continued use and that ongoing trust has significant direct and mediating (via intention of continued use) relationships with the intention of cross-buying. Also, personal innovativeness positively moderates the relationship between ongoing trust and the intention of cross-buying. This study sheds light on the literature on branchless financial services and PAMISC. IOB practitioners should revisit the effectiveness of customers' economic benefits to establish ongoing trust with customers.
Purpose Fintech has been recently drawing extensive attention all over the world as the innovative trend that will change the future of the global financial industry. However, fintech has been mostly focusing on the payment service in the embryonic stage in Korea. This paper will investigate the approach to increase the intention to use for those who do not use fintech at present. Design/methodology/approach This paper empirically analyzes the impact of innovation of users and the perceived ease-of-use and security on the intention to use through the perceived usefulness and confidence. The 255 survey responses were used to verify research hypotheses through covariate structural equation model. Findings According to the analysis results, it was found that innovation had a significant impact on the perceived usefulness, but had no significant impact on confidence. The perceived usefulness had a significant impact on perceived usefulness and confidence. Moreover, the perceived usefulness and confidence had a significant impact on the intention to use. Meanwhile, it was identified that the security perceived by those who do not use fintech had a negative impact on perceived usefulness, confidence, and intention to use related to fintech. Accordingly, fintech service providers need to determine an approach to help customers to have a positive perception on the security of fintech.
The COVID-19 pandemic has brought about many changes in our daily lives and in industries as a whole. The most notable change was the spread of the untact culture to minimize face-to-face contact. The spread of the untact culture has changed the use of public transportation. Looking at the results of previous SARS and MERS studies, it was found that as the pandemic spreads, the use of public transportation decreased. Recently, the mobility sharing service is attracting attention as a personalized means of transportation instead of public transportation. Therefore, in this study, the factors affecting the intention to use the mobility sharing service were to be identified by the actual users. In this study, economic benefit, convenience, sustainability, and sense of belonging were set as independent variables based on previous studies. In addition, the relationship between the perceived usefulness and perceived pleasure of these factors of use on intention to use was empirically analyzed through PLS-SEM. As a result of the study, it was found that economic benefits, convenience, sustainability, and sense of belongingness had a significant effect on intention to use through perceived usefulness and enjoyment. This study was meaningful in that it was verified through the study that economic benefits, convenience, sustainability, and a sense of belongingness were significant variables affecting the intention to use through usefulness and pleasure.
This study identifies meaningful factors that influence relationship switching intention and multi-channel use intention for department store customers. Two types of commitment (affective and calculative commitment) are proposed as mediators between satisfaction and behavioral intention. A web-based survey collected fashion product data from consumers who had a relationship with a department store. A total of 150 responses were analyzed by frequency analysis and reliability analysis, CFA, and SEM analysis with SPSS 18.0 and AMOS 18.0. Department store attributes were composed of four factors (product, salespersons, facilities and place, and price and promotion). Department store satisfaction was specified as a second order latent construct which was reflected in the satisfaction with the four department store attributes. Department store satisfaction had a significant negative influence on calculative commitment and a positive effect on affective commitment. Calculative commitment affected switching intention and affective commitment determined multichannel use intention. This study has implications for retail marketers that target fashion consumers and academics who research consumer behavior in retail settings. The most important result is that the affective commitment and the calculative commitment serve different functions. Department store managers need to make an increased effort to instigate an affective customer commitment in order to reduce switching intention.
This descriptive correlational study was done to identify ICU nurses' intention to use restraints and related factors using Ajzen and Madden(1986)'s Theory of Planned Behavior. Self-reported questionnaires were used to measure intention and related factors. The subjects of this study were 287 ICU nurses in 21 general hospitals with at least 200 beds at Taegu, Pusan and Kyungbuk area in Korea. The results of this study were : 1. There were significant differences in intention according to age and marnital status, attitude according to educastion(with indirect measure), subjective norm according to career in ICU(with both measures), perceived behavioral control according to age and career in ICU(with direct measure), and knowledge according to education and position. 2. There were significant correlations among intention and all factors. Intention was correlated with attitude(r=.2119), subjective norm(r=.1112), and perceived behavioral control(r=.3448) with direct measure. Attitude was correlated with subjective norm(r=.2530), perceived behavioral control(r=.3005), and knowledge(r=.1388) with direct measure. Subjective norm was correlated with perceived behavioral control(r=.1321) with direct measure. Intention was correlated with attitude(r=.1496) and perceived behavioral control(r=.2922) with indirect measure. Attitude was correlated with subjectivenorm(r=.2829) and knowledge(r=-.1390) with indirect measure. Also, subjective norm was correlated with perceived behavioral control(r=.2363) with indirect measure. 3. ICU nurses' intention to use restraints was explained 16.7% by perceived behavioral control, attitude with direct measure, control belief, and age. By this study, it was foundr that ICU nurses reported high level of intention to use restraints. The most important predictor of intention to use restraints was perceived behavioral control toward using restrains, which reflected the easiness and difficulty in the use of restraints.
This study aims to determine the effects of clothing consumption value, usefulness of clothing and ease of use on the new product acceptance intention of premium linen apparel. A survey was conducted among male and female consumers, and a total of 328 responses were analyzed. Frequency, factor analysis, and multiple regression analysis were used for data analysis using SPSS WIN Ver.21.0. The results of this study are as follows. First, clothing consumption value was classified into five factors: social value, fashionable value, individual value, practical value and emotional value. Usefulness and ease of use were found two factors and the new product acceptance intention of premium linen apparel was found one factor. Second, all factors of clothing consumption value had a positive effect on usefulness. The higher the values of the five factors of clothing consumption value, the higher usefulness. Third, fashionable value affected ease of use, but individual value had no positive effect on ease of use. The higher the fashionable value, the higher the ease of use, but, the higher the individual value, the lower the ease of use. Fourth, all factors of clothing consumption value had a positive effect on the new product acceptance intention of premium linen apparel. Therefore, clothing consumption value is important to the new product acceptance intention of premium linen apparel. Moreover, usefulness and ease of use influenced the new product acceptance intention of premium linen apparel. This shows that consumers' new product acceptance intention of premium linen apparel increases if the product is they are perceived to be useful and easy to use.
In this study, we examined the effect of customer satisfaction and switching cost on continuous use intention to suggest how organizations can retain their customers when market growth slows down and competition becomes stronger. We carefully developed and modified survey instruments through a pre-test, and subsequently surveyed 432 dental care users in Seoul and Busan areas. As a result of regression analysis, higher procedural learning switching cost, relational switching cost, and customer satisfaction were manifested in the increased continuous use intention. In contrast, higher financial switching cost and customer satisfaction with insufficient effort for information acquisition led to decreased switching intention. In addition, procedural initial switching cost and residents in Seoul led to increased switching intention. Understanding continuous use intention and switching intention is important for healthcare institutions striving to maintain market position. The findings of this study suggest a paradigm shift from conventional transactional marketing to strategic relational marketing to be effective in the healthcare environment today.
This study aims to assess the impact of chatbot usability and demographics on continuous intention to use across different sectors. The research employed Braun's Bot Usability Scale (BUS11) to measure chatbot usability, focusing on accessibility, quality, conversation quality, privacy risk, and response time. A total of 187 participants completed a survey as part of this study. Variance-based SEM was utilized to examine relationships and test hypotheses. This study contributes to the ongoing discourse on chatbot adoption and user behaviour. It enhances the understanding of chatbot usability, highlighting the role of age in continued intention to use chatbots. The findings suggest that different age groups may possess specific preferences and expectations regarding chatbot usability. These differing preferences can influence their intention to continue using this technology. The study reveals that chatbot usability significantly impacts continuous intention to use and that age moderates the relationship between perceived conversation quality, information, privacy, security, and continuous intention to use. Based on the study's results, it is recommended that chatbot designers enhance usability to promote long-term adoption and usage.
This study estimated a dual path model to predict consumers' intention to use a QR code virtual store by the effect of a mobile transaction system and a facilitating condition that also examined the role of experience and the use of an intention model in the context of a QR code virtual store. A longitudinal field study was conducted at selected QR code virtual stores. A questionnaire containing mobile transaction system, facilitating condition, performance expectancy, effort expectance, and intention to use was administered at two different points in time: Initial use (T1) and the second use after one month (T2). This study sampled 109 subjects who voluntarily participated in field studies twice at different time points (pooled sample=218). Participants were asked to visit at the QR code virtual store and undertake shopping tasks on their smartphones. The estimated dual path model showed that a mobile transaction system had a positive effect on performance expectancy, which influenced intention to use; however, facilitating condition had a positive effect on effort expectancy, but the effort expectance did not lead to intention to use. The effort expectance significantly also affected the performance expectance influencing intention to use QR code virtual stores. It was also found that use experience moderated the effect of mobile transaction systems on performance expectancy. The findings discussed a critical and success factor in consumer technology acceptance and use over time. A managerial implication was also discussed to capture potential users by emphasizing performance expectancy with the superiority of an innovative system or consumer facilitating condition as external resources in the introduction stage of new technology.
Objectives: The purpose of the study is to investigate the effect of social network service(SNS) information on intention to dental office use. Methods: A self-reported questionnaire was completed by 410 users of social network service between twenty and thirty years old in Seoul and Gyeonggido after receiving informed consent from July 1 to August 3, 2015. The questionnaire consisted of general profiles of the subjects(6 items), use of dental office(3 items), use of SNS(3 items), use of dental SNS(4 items), use of general SNS(6 items), application of dental SNS(6 items), and intention to dental office use(2 items). Except 8 incomplete answers, 402 data were analyzed using SPSS 18.0 program. Results: The first choice of dental office was recommendation by the acquaintances. There were close correlations between the use of SNS information and the use of general SNS information according to sex(p=0.016) and the frequency of SNS(p=0.012). The use of SNS for dental information showed a meaningful correlation with sex(p=0.003). The intention to use was influenced by sex(p=0.016) and the use of SNS for dental information(p<0.001). Conclusions: The important factor of visit intention to dental service was recommendation by the acquaintances through SNS. The appropriate advertisement of visit intention is very important to improve dental health care.
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