References
- 한국은행 금융 결제국, 전자 금융 총람, 2004. 2
- Adams, D.A., Nelson, R.R., and Todd, P.A., 'Perceived Usefulness, Ease of Use, and Usage of Information Technology: A Replication,' MIS Quarterly, June, 1992, pp. 227-247
- Anderson, J. and Gerbing, D., 'Structural Equation Modeling in Practice: A Review and Recommended Two-Step Approach,' Psychological Bulletin, Vol. 103, 1988, pp. 411-423 https://doi.org/10.1037/0033-2909.103.3.411
- Atkinson, M.A. and Kydd, C., 'Individual Characteristics Associated with World Wide Web Use: An Empirical Study of Playfulness and Motivation,' DATA BASE for Advances in Information Systems, Vol. 28, No. 2, 1997, pp. 53-62 https://doi.org/10.1145/264701.264705
- Ba, S. and Pavlou, P.A., 'Evidence of the Effect of Trust Building Technology in Electronic Markets: Price Premiums and Buyer Behavior,' MIS Quarterly, Vol. 26, No. 3, 2002, pp. 243-268 https://doi.org/10.2307/4132332
- Blau, P.M., Exchange and power in social life, Wiley, NY, 1964
- Chen, L., Gillenson, M.L., and Sherrell, D.L., 'Consumer Acceptance of Virtual Stores: A Theoretical Model and Critical Success Factors for Virtual Stores,' ACM SIGMIS Database, Vol. 35, No. 2, 2004, pp. 8-31 https://doi.org/10.1145/1007965.1007968
- Chin, W.W., Marcolin, B.L., and Newsted, P.R., 'A Partial Least Squares Latent Variable Modeling Approach for Measuring Interaction Effects: Results from a Monte Carlo Simulation Study and an Electronic Mail Emotion/Adoption Study,' Information Systems Research, Vol. 14, No. 2, 2003. pp. 189-217 https://doi.org/10.1287/isre.14.2.189.16018
- Daft, R. and Becker, S., Innovation in Organizations: innovation Adoption in High Schools, Elsevier, NY, 1978
- Davis, F.D., 'Perceived Usefulness, Perceived Ease of Use and User Acceptance of Information Technology,' MIS Quarterly, Vol. 13, No. 3, 1989, pp. 319-339 https://doi.org/10.2307/249008
- Davis, F.D., 'User Acceptance of Information Technology: System Characteristics, User Perceptions and Behavioral Impacts,' International Journal of Man -Machine Studies, Vol. 38, 1993, pp. 475-87 https://doi.org/10.1006/imms.1993.1022
- Davis, F.D., Bagozzi, R.P., and Warshaw, P.R., 'User Acceptance of Computer Technology: A Comparison of Two Theoretical Models,' Management Science, Vol. 35, No. 8, 1989, pp. 982-1003 https://doi.org/10.1287/mnsc.35.8.982
- Dirks, K.T. and Ferrin, D.L., 'The Role of Trust in Organizational Settings,' Organization Science, Vol. 12, No. 4, 2001, pp. 450-467 https://doi.org/10.1287/orsc.12.4.450.10640
- Doney, P.M. and Cannon, J.P., 'An Examination of the Nature of Trust in Buyer-Seller Relationships,' Journal of Marketing, Vol. 61, No. 2, 1997, pp. 35-51 https://doi.org/10.2307/1251829
- Fishbein, M. and Ajzen, I., Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research. Addison-Wesley, 1975
- Friedman, B., Kahn, P.H., Jr. and Howe, D.C., 'Trust Online,' Communications of the ACM, Vol. 43, No. 12, 2000, pp. 34-40
- Fusfeld, A.R., 'How to Put Technology into Corporate Planning,' In Burgelman, R.A., C.M. Christensen & S.C. Wheelwright (eds.), Strategic Management of Technology and Innovation (4th edition), 1978, pp. 63-66
- Gefen, D., 'Lessons Learnt from the Successful Adoption of an ERP: The Central Role of Trust,' in Recent Developments and Applications in Decision Making, S. Zanakis, G. Doukidis, and C. Zopounidis (eds.), Norwood, MA: Kluwer Academic. MA, 2000a
- Gefen, D., 'E-Commerce: The Role of Familiarity and Trust,' Omega: The International Journal of Management Science, Vol. 28, No. 6, 2000b, pp. 725-737 https://doi.org/10.1016/S0305-0483(00)00021-9
- Gefen, D., Karahanna, E., and Straub, D.W., 'Trust and TAM in Online Shopping: An Integrated Model,' MIS Quarterly, Vol. 27, No. 1, 2003, pp. 51-90 https://doi.org/10.2307/30036519
- Gefen, D. and Straub, D., 'The Relative Importance of Perceived Ease of Use in IS Adoption: A Study of e-Commerce Adoption,' Journal of the Association for Information Systems, Vol. 1, No. 8, 2000, pp. 1-28 https://doi.org/10.1016/S1467-0895(99)00002-0
- Gefen, D. and Straub, D., 'Consumer Trust in B2C e-Commerce and the Importance of Social Presence: Experiments in e-Products and e-Services,' Omega: The International Journal of Management Science, Vol. 32, No. 6, 2004, pp. 407-424 https://doi.org/10.1016/j.omega.2004.01.006
- Hair, J.F., Anderson, R.E., Tatham, R.L., and Black, W.C., Multivariate Data Analysis (5th ed.), Upper Saddle River, Prentice Hall, NJ, 1998
- Hoffman, D.L., Novak, T.P., and Peralta, M., 'Building Consumer Trust Online,' Communications of the ACM, Vol. 42, No. 4, 1999, pp. 80-85
- Hu, P.J., Chau, P.Y.K., Sheng, O.L., and Tam, K.Y., 'Examining the Technology Acceptance Model Using Physician Acceptance of Telemedicine,' Journal of Management Information Systems, Vol. 16, No. 2, 1999, pp. 91-112
- Hwang, P. and Burgers, W.P., 'Properties of Trust: An Analytical View,' Organizational Behavior & Human Decision Processes, Vol. 69, No. 1, 1997, pp. 67-73 https://doi.org/10.1006/obhd.1996.2673
- Jarvenpaa, S.L. and Tractinsky, N., 'Consumer Trust in an Internet Store: A Cross- Cultural Validation,' Journal of Computer Mediated Communication, Vol. 5, No. 2, 1999
- Karahanna, E. and Straub, D.W., 'The Psychological Origins of Perceived Usefulness and Perceived Ease-of-Use,' Information & Management, Vol. 35, 1999, pp. 237-250 https://doi.org/10.1016/S0378-7206(98)00096-2
- Karahanna, E., Straub, D.W., and Chervany, N.L., 'Information Technology Adoption across Time: A Cross-Sectional Comparison of Pre-Adoption and Post-Adoption Beliefs,' MIS Quarterly, Vol. 23, No. 2, 1999, pp. 183-213 https://doi.org/10.2307/249751
- Keil, M., Beranek, P.M., and Konsynski, B.R., 'Usefulness and Ease of Use: Field Study Evidence Regarding Task Considerations,' Decision Support Systems, Vol. 13, 1995, pp. 75-91 https://doi.org/10.1016/0167-9236(94)E0032-M
- Kim, K. and Prabhakar, B., 'Initial Trust, Perceived Risk, and the Adoption of Internet Banking,' Proceedings of the 21st International Conference on Information Systems, Brisbane, Australia, December, 2000
- Legris, P., Inghan, J., and Collerette, P., 'Why Do People Use Information Technology? A Critical Review of the Technology Acceptance Model,' Information & Management, Vol. 40, 2003, pp. 191-204 https://doi.org/10.1016/S0378-7206(01)00143-4
- Lenth, R.V., 'Some Practical Guidelines for Effective Sample-Size Determination,' The American Statistician, Vol. 55, 2001, pp. 187-193 https://doi.org/10.1198/000313001317098149
- Mayer, R.C., Davis, J.H., and Schoorman, F.D., 'An Integrative Model of Organizational Trust,' Academy of Management Review, Vol. 20, No. 3, 1995, pp. 709-734 https://doi.org/10.2307/258792
- McKnight, D.H., Choudhury, V., and Kacmar, C., 'Developing and Validating Trust Measures for e-Commerce: An Integrative Typology,' Information Systems Research, Vol. 13, No. 3, 2002, pp. 334-359 https://doi.org/10.1287/isre.13.3.334.81
- McKnight, D.H., Cummings, L.L., and Chervany, N.L., 'Initial Trust Formation in New Organizational Relationships,' Academy of Management Review, Vol. 23, No. 3, 1998, pp. 473-490 https://doi.org/10.2307/259290
- Menon, N.M., Konana, P., Browne, G.J., and Balasubramanian, S., 'Understanding Trustworthiness Beliefs in Electronic Brokerage Usage,' Proceedings of the 20th International Conference on Information Systems, January, 1999
- Mishra, A.K. and Spreitzer, G.M., 'Explaining How Survivors Respond to Downsizing: The Roles of Trust, Empowerment, Justice, and Work Redesign,' Academy of Management Review, Vol. 23, No. 3, 1998, pp. 567-588 https://doi.org/10.2307/259295
- Moore, G.C. and Benbasat, I., 'Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation,' Information System Research, Vol. 2, No. 3, 1991, pp. 192-222 https://doi.org/10.1287/isre.2.3.192
- Pavlou, P.A., 'Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model,' International Journal of Electronic Commerce, Vol. 7, No. 3, 2003, pp. 101-134
- Ping, R.A., Jr., 'A Parsimonious Estimating Technique for Interaction and Quadratic Latent Variables,' Journal of Marketing Research, Vol. 32, 1995, pp. 336-347 https://doi.org/10.2307/3151985
- Rogers, E.M., Diffusion of Innovations (5th ed.), Free Press, NY, 2003
- Rousseau, D., Sitkin, S., Burt, R., and Camerer, C., 'Not So Different After All: A Cross-Discipline View of Trust,' Academy of Management Review, Vol. 23, No. 3, 1998, pp. 393-404 https://doi.org/10.5465/AMR.1998.926617
- Sadeh, N., M-Commerce: Technologies, Services, and Business Models, Wiley, NY, 2002
- Schilling, M., Strategic Management of Technological Innovation, McGraw-Hill, 2005
- Sheppard, B.H., Hartwick, J., and Warshaw, P.R., 'The Theory of Reasoned Action: A Meta-Analysis of Past Research with Recommendations for Modifications and Future Research,' Journal of Consumer Research, Vol. 15, No. 3, 1988, pp. 325-343 https://doi.org/10.1086/209170
- Siau, K. and Shen, Z., 'Building Customer Trust in Mobile Commerce,' Communications of the ACM, Vol. 46, No. 4, 2003, pp. 91-94
- Subramanian, G.H., 'A Replication of Perceived Usefulness and Perceived Ease of Use Measurement,' Decision Sciences, Vol. 25, Nos. 5/6, 1994, pp. 863-874 https://doi.org/10.1111/j.1540-5915.1994.tb01873.x
- Szajna, B., 'Software Evaluation and Choice: Predictive Validation of the Technology Acceptance Instrument,' MIS Quarterly, Vol. 18, No. 3, 1994, pp. 319-324 https://doi.org/10.2307/249621
- Szajna, B., 'Empirical Evaluation of the Revised Technology Acceptance Model,' Management Science, Vol. 42, No. 1, 1996, pp. 85-92 https://doi.org/10.1287/mnsc.42.1.85
- Van der Heijden, H., 'User Acceptance of Hedonic Information Systems,' MIS Quarterly, Vol. 28, No. 4, 2004, pp. 695-704 https://doi.org/10.2307/25148660
- Venkatesh, V., 'Creation of Favorable User Perceptions: Exploring the Role of Intrinsic Motivation,' MIS Quarterly, Vol. 23, No. 2, 1999, pp. 239-260 https://doi.org/10.2307/249753
- Venkatesh, V., 'Determinants of Perceived Ease of Use: Integrating Control, Intrinsic Motivation, and Emotion into the Technology Acceptance Model,' Information Systems Research, Vol. 11, No. 4, 2000, pp. 342-365 https://doi.org/10.1287/isre.11.4.342.11872
- Venkatesh, V. and Davis, F.D., 'A Model of the Antecedents of Perceived Ease of Use: Development and Test,' Decision Sciences, Vol. 27, 1996, pp. 451-481 https://doi.org/10.1111/j.1540-5915.1996.tb01822.x
- Venkatesh, V. and Davis, F.D., 'A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies,' Management Science, Vol. 46, No. 2, 2000, pp. 186-204 https://doi.org/10.1287/mnsc.46.2.186.11926
- Venkatesh, V. and Morris, M.G., 'Why Don't Men Ever Stop to Ask for Directions- Gender, Social Influence, and Their Role in Technology Acceptance and Usage Behavior,' MIS Quarterly, Vol. 24, No. 1, 2000
- Venkatesh, V., Morris, M.G., Davis, G.B., and Davis, F.D., 'User Acceptance of Information Technology: Toward a Unified View,' MIS Quarterly, Vol. 27, No. 3, 2003, pp. 425-478 https://doi.org/10.2307/30036540