• Journal of Information Technology Services
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• v.20 no.6
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• pp.63-81
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• 2021

Joint financial network of Korea Financial Telecommunications and Clearings Institute, which is an essential facility with a natural monopoly, maintained its closedness as monopoly/public utility model, but it has evolved in the form of open banking in order to obtain domestic fintech competitiveness in the rapidly changing digital financial ecosystem such as the acceleration of Big Blur. In accordance with digital transformation strategy of financial institutions, various ICT companies are actively participating in the financial industries, which has been exclusive to banks, through the link technology called Open API. For this reason, there has been a significant change in the financial service supply chain in which ICT companies participate as users. The level of security in the financial service supply chain is determined based on the weakest part of the individual components according to the law of minimum. In addition, there is a perceived risk of personal information and financial information leakage among the main factors that affect users' intention to accept services, and appropriate protective measures against perceived security risks can be a catalyst, which increases the acceptance of open banking. Therefore, this is a study on factors affecting the introduction of open banking to achieve financial innovation by developing an open banking security control model for financial institutions, as a protective measures to user organizations, from the perspectives of cyber financial security and customer information protection, respectively, and surveying financial security experts. It is expected, from this study, that effective information protection measures will be derived to protect the rights and interests of financial customers and will help promote open banking.

• Fashion & Textile Research Journal
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• v.23 no.3
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• pp.347-357
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• 2021

This study analyzed the effects of optimism and innovativeness, the two drivers of a consumer's technological readiness to use an augmented reality(AR) fashion shopping service within the framework of the Technology Acceptance Model (TAM). The survey was conducted on 249 people (males = 58; females = 191) in their 20s who were willing to participate in the AR experience. Data were analyzed using confirmatory factor analysis (CFA) and structural equation modeling by AMOS 22.0. The results indicated that a greater level of perceived optimism had a positive influence on the ease of use and usefulness of the technology. The findings also show that consumers with a high degree of innovativeness tend to have a higher level of playfulness toward AR fashion shopping. Regarding the effects of user beliefs, ease of use had a positive effect on the perception of usefulness and playfulness with higher levels implying a higher consumer intention to adopt an AR fashion shopping service. In addition, this study reveals the moderating effect of consumers with high-fashion versus those with low-fashion innovativeness. For the latter, technological innovation had an insignificant effect on playfulness, thus indicating that consumers with low interest in fashion did not enjoy AR fashion shopping even if the technology was highly innovative. Nevertheless, the analysis confirms the possibility that experiencing a fashion product through AR technology could replace the actual experience of wearing the products.

• Journal of Digital Convergence
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• v.19 no.11
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• pp.53-62
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• 2021

Distance learning (DL) has become a major issue in the educational field with the spread of COVID-19. In order to enhance the satisfaction of DL learners, efforts to cultivate learners' competencies, as well as investment to build IT infrastructure, and activities to support high-quality content provision should be comprehensively considered. Based on a survey of 221 college students, this study verified that digital literacy (knowledge, skill, and mind) and information systems success factors (system, information, and service quality) all positively affect DL satisfaction, in turn, which positively influences on DL continuance. This study is meaningful in that it comprehensively considered learner's ability and IT infrastructure and analyzed the effect on the satisfaction and intention of continuous use of DL. In the future, it is necessary to expand the target of not only college students but also elementary and secondary students and instructors, and to further consider interaction, which is a major factor in the distance learning process.

• Journal of Practical Engineering Education
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• v.14 no.1
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• pp.99-108
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• 2022

As the demand for kiosks increases, more users complain of discomfort. Accordingly, a kiosk that enables easy menu selection and order by producing a voice-based interactive service is produced and provided in the form of a web. It implements voice functions based on the Annyang API and SpeechSynthesis API, and understands the user's intention through Dialogflow. And discuss how to implement this process based on Rest API. In addition, the recommendation system is applied based on collaborative filtering to improve the low consumer accessibility of existing kiosks, and to prevent infection caused by droplets during the use of voice recognition services, it provides the ability to check the wearing of masks before using the service.

• Journal of the Korea Society of Computer and Information
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• v.14 no.10
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• pp.233-240
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• 2009

In this paper we made the serious game learning multiplication table to be evolved. The serious game is to induce the interest of the learner. This program has an interaction form which reflects the intention of the user and using this program a learner to learn the multiplication table as teacher's location are training a program that are seen as the abata and came to be that learner is smart. A study ability to be evolved used an back propagation neural networks. But we improved a study speed using divided weight table concept. The engine is studied perfectly in 60~80 times training. The learning rate increase to various non-monotonic functional form not to do a mechanical rise. And the learning rate is similar with the study ability of the human.

• Korea Trade Review
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• v.43 no.3
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• pp.219-243
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• 2018

This study focused on the rapidly growing Chinese market by developing an evaluation model for overseas direct sales websites for Chinese consumers. In addition, we developed specific strategic alternatives for each sub-market by conducting multi-group analysis for each consumer's characteristics. Results showed that the level of concern about site use had a stronger impact on persistent use behavior. In addition, among antecedents that affect the level of assurance and concern, we found that these includes not only the perceived benefits and perceived risk factors identified in previous studies but also social-cultural factors. In addition, this study compares the evaluation of overseas direct sales website according to the level of involvement of users. This study analyzes the differences in coefficients among the paths and suggest practical implications for each group.

• Information Systems Review
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• v.22 no.3
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• pp.15-30
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• 2020

In the real estate industry, the latest changes in the Fourth Industrial Revolution, such as big data analytics, machine learning, and VR (virtual reality), combine to bring about industry change. Proptech is a new term combining properties and technology. This study aims to derive and analyze from a comprehensive perspective the quality factors (systems, services, interfaces, information) for mobile real estate brokerage services that are well known and used in the domestic market. The surveys in this study were conducted online and offline and a total of 161 samples were used for statistical analysis. As a result, all hypotheses were approved to except system quality and service quality. The results show that the domestic proptech companies who are mostly focused on real estate brokerage services, peer-to-peer lending, advertising platforms and apartments need to grow in various fields of proptech business of other countries including Europe, USA and China.

• Information Systems Review
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• v.19 no.3
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• pp.47-67
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• 2017

The sharing economy has emerged as a new form of consumption pattern along with the advancement of information technology and the changes in the consumers' desires for economic spending. In a C2C-sharing economy platform, the user side and supplier side share the same assets, thereby making both sides of the market closely related. However, an information asymmetry exists within the platform that makes the players from one side reluctant to participate. This information asymmetry warrants a strategic approach for solving the fundamental "chicken and egg" problem for platform development. Motivated by this phenomenon, this study aims to analyze how the participation intentions from both sides of the platform are influenced by certain anteceding factors, such as trust, perceived risk, and perceived economic profit. Our findings show that the anteceding factors affect the participation intentions in different paths for both sides of the platform. As a managerial implication, these findings highlight the necessity of employing different approaches for each side of market development.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.18 no.2
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• pp.35-52
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• 2023

Recently, as the non-face-to-face environment has developed due to COVID-19 and environmental pollution, the importance of online digital healthcare is increasing, and venture start-ups and activities such as health care, telemedicine, and digital treatments are also actively underway. This study conducted the impact on the acceptability of digital healthcare smartwatches with an integrated approach of the expanded integrated technology acceptance model (UTAUT2) and the behavioral inference model (BRT). The most advanced integrated technology acceptance model for innovative technology acceptance research was used to identify major factors such as utility expectations, social effects, convenience, price barriers, lack of alternatives, and behavioral intentions. For the study, about 410 responses from ordinary people in their teens to 60s across the country were collected, and based on this, the hypothesis was verified using structural equations after testing reliability and validity of the data. SPSS 23 and AMOS 23 were used for research analysis. Studies have shown that personal innovation has a significant impact on the reasons for acceptance (use value, social impact, convenience of use), attitude, and non-use (price barriers, lack of alternatives, and barriers to use). These results are the same as the results of previous studies that confirmed the influence of the main value of innovative ICT on user acceptance intention. In addition, the reason for acceptance had a significant effect on attitude, but the effect of the reason for non-acceptance was not significant. It can be analyzed that consumers are interested in new ICT products and new services, but purchase them more carefully and selectively. This study has evolved from the acceptance analysis of general-purpose consumer innovation technology to the acceptance analysis of consumer value in smartwatch digital healthcare, which is a new and important area in the future. Industrially, it can contribute to the product's purchase and marketing. It is hoped that this study will contribute to increasing research in the digital healthcare sector, which will play an important role in our lives in the future, and that it will develop into in-depth factors that are more suitable for consumer value through integrated approach models and integrated analysis of consumer acceptance and non-acceptance.

• Science of Emotion and Sensibility
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• v.21 no.1
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• pp.59-70
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• 2018

With the breakthrough of speech recognition technology, conversational agents have become pervasive through smartphones and smart speakers. The recognition accuracy of speech recognition technology has developed to the level of human beings, but it still shows limitations on understanding the underlying meaning or intention of words, or understanding long conversation. Accordingly, the users experience various errors when interacting with the conversational agents, which may negatively affect the user experience. In addition, in the case of smart speakers with a voice as the main interface, the lack of feedback on system and transparency was reported as the main issue when the users using. Therefore, there is a strong need for research on how users can better understand the capability of the conversational agents and mitigate negative emotions in error situations. In this study, we applied social strategies, "forewarning" and "apology", to conversational agent and investigated how these strategies affect users' perceptions of the agent in breakdown situations. For the study, we created a series of demo videos of a user interacting with a conversational agent. After watching the demo videos, the participants were asked to evaluate how they liked and trusted the agent through an online survey. A total of 104 respondents were analyzed and found to be contrary to our expectation based on the literature study. The result showed that forewarning gave a negative impression to the user, especially the reliability of the agent. Also, apology in a breakdown situation did not affect the users' perceptions. In the following in-depth interviews, participants explained that they perceived the smart speaker as a machine rather than a human-like object, and for this reason, the social strategies did not work. These results show that the social strategies should be applied according to the perceptions that user has toward agents.