• 한국경영정보학회:학술대회논문집
• /
• 2007.06a
• /
• pp.469-472
• /
• 2007

This study deals with an important but ignored topic in IS research, the trustee issue. The purpose of this study, performed in the context of mobile banking, is: (1) to broaden the types of trustees (vendors, mobile channel, customers themselves) that customers consider in the adoption of emerging IT services and (2) to investigate the relationships between customer intention to adopt new IT services and trust in three different trustee types. The analysis showed that customers' self-trust is the most important in shaping their intention to adopt mobile banking. Consumer trust in the mobile channel came in second. Unlike the results of previous research, the effect of customers' trust in vendors was insignificant in mobile banking.

• Agribusiness and Information Management
• /
• v.5 no.2
• /
• pp.7-15
• /
• 2013

As the consumers' anxiety for food increases, the interest in food safety also increases. To satisfy the public requirement on food safety, the government is trying to set up a food safety standard by using regulations and certification systems. However, there is still difficulty in building up complex traceability systems for medicinal crops including ginseng due to the low participation of farming industries. The purpose of this empirical research is to draw factors that impede the GAP adoption of ginseng farms. By comparing the average attitude and intention to adopt the ginseng farms' depending on its characteristics through a two-tailed test, it was drawn that continuous farming education can positively influence the GAP adoption of the ginseng farms.

• Asia pacific journal of information systems
• /
• v.22 no.4
• /
• pp.7-29
• /
• 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 Distribution Science
• /
• v.18 no.10
• /
• pp.89-99
• /
• 2020

Purpose: There has been a growing focus on E-wallet adoption especially in emerging markets as it offers a convenient method for users to conduct cashless transactions. This study examines antecedents influencing the decision of Generation Z to adopt E-wallet. It looks into the effect of determining factors including compatibility, perceived convenience, perceived trust, perceived reputation, perceived usefulness, perceived ease of use and social influence on users' intention to use. The moderator role of social influence is also under examination. Research design, data and methodology: The quantitative method has been adopted to collect data from 170 Generation Z users. SmartPLS 3.0 was applied to examine the constructed hypotheses. Results: The results indicate an indirect effect between Compatibility, Perceived Ease of Use, Perceived Trust and Social Influence toward intention to adopt Electronic wallet, or both of those factors are mediated by Perceived Convenience, Perceived Usefulness, and Reputation. Moreover, research finding highlights the role of Perceived Usefulness as Generation Z's intention determinant to use E-Wallet. Conclusions: This study is substantial as it selected the promising customer segment - Generation Z to examine the factors influencing their decision to adopt Electronic wallet. Marketers can navigate which dimensions should be included in marketing campaigns to encourage Generation Z's adoption.

• Human Ecology Research
• /
• v.57 no.1
• /
• pp.1-13
• /
• 2019

Internet-based financial services are being increasingly integrated into consumers' daily lives. Internet-only banks have emerged as a powerful tool accelerating financial inclusion. This study investigates the satisfaction and continuous use intention predictors for Internet-only banks. We employed an extended post-acceptance model and used six antecedent factors that included perceived usefulness, perceived ease of use, privacy risk, functional risk, subjective norms, and network externality. All 351 participants used Internet-only banks and were 20-40 years of age. A self-administration online survey was conducted. SPSS 23.0 analyzed the frequency, description, and multiple regression analysis. The results of current study are as follows. The education, perceived usefulness, perceived ease of use, and network externality positively influenced the satisfaction of Internet-only banks. Privacy risk negatively influenced satisfaction with Internet-only banks. Perceived ease of use, subjective norm, network externality, and satisfaction positively influenced the continuous use intention of Internet-only banks. The results of our study provide a better explanation of important factors that could enhance the understanding of satisfaction and continuous use intention for Internet-only banks. Furthermore, this study extends the antecedent variables to the knowledge of financial services and enlarges the understanding of users' post-adoption behaviors.

• Journal of Information Technology Services
• /
• v.13 no.4
• /
• pp.255-273
• /
• 2014

The widespread use of smart phones and smart pads has given rise to the use of eBook services based on these smart devices. Consequently, the size of eBook services has exploded both in the domestic as well as overseas market. However, the growth curve becomes flatter than before, and the adoption rate is still not high in Korea. Hence, this study explores the factors affecting the intention to use eBook services based on smart devices, and their relationships. Finally, we propose an eBook adoption model, which extends the Technology Adoption Model. An online survey was conducted to validate the research model. By applying Partial Least Squares, we found that there are strong relationships among perceived usefulness, perceived ease of use, perceived playfulness, social influence, and intention to use. In addition, we found that smart devices enjoyment positively affects the perceived playfulness of eBooks, and that personal innovativeness positively affects perceived ease of use. Our findings shed some light on how to design eBook services based on smart devices.

• Journal of Information Technology Applications and Management
• /
• v.19 no.4
• /
• pp.41-59
• /
• 2012

This study examines the roles of user resistance and social influences on the acceptance and continuous usage of smartphones at different stages of adoption. The respondents were classified into three groups according to their innovation adoption stage : non-user group, the potential user group and the trial user group. Theories relevant to user resistance, social influences including normative social influences and informational social influences, as well as user adoption and continuance behavior were reviewed and integrated into our research model. In order to verify the proposed structured equation model, we conducted an online survey by targeting mobile phone users and collected data to be analyzed through a partial least squares (PLS) test. This study tested whether there exists differences in the effects of user resistance and different types of social influence on user's adoption or continuance intetion among these three groups. The results showed that user resistance exists in all adopter groups and that it has significant negative influences on intention to use a smartphone. The findings also revealed that user resistance can be enhanced or resolved by two types of social influence; informational social influence resolves user resistance regardless of the adopter category, while normative social influence enhances the user resistance of potential users. Furthermore, the findings show that social influence regardless of the type positively affects user intention. Several theoretic and practical implications pertaining to the results are discussed.

• Journal of Korean Society for Quality Management
• /
• v.47 no.2
• /
• pp.367-380
• /
• 2019

Purpose: The purpose of this study is (1) to empirically examine why laggards resist IT adoption in public service and (2) to investigate the relationship between resistance and negative behavioral intention. Methods: The questionnaire survey was conducted on expressway users who do not use High-pass system. The collected 232 samples were analyzed using structure equation model method with AMOS 22.0. Results: Resistance is found to be a statistically significant factor affecting intention to reject. Also, incompatibility, privacy concern, status quo inertia and relative advantage are found to be statistically significant factors affecting resistance. Conclusion: Laggards have a tendency to intend to reject IT adoption rather than to postpone. They are affected not by monetary, procedural aspect associated with purchasing or registering OBU(On Board Unit). Incompatibility and relative advantage which are inherent attributes of Hi-pass system are more influential factors than privacy concern and status quo inertia. They make ethical and emotional decision partially affected by public-social factors.

• Asia pacific journal of information systems
• /
• v.33 no.3
• /
• pp.652-676
• /
• 2023

The objective of this study is to provide a deeper understanding of the factors that lead to the development and adoption of AI-based chatbots. We analyze the structural relationship between the organizational (externalities), systematic (fit), and the consumer-related (psychological) factors and their role in the adoption of AI-based chatbots. Founded on the theories of task-technology fit and network externalities, we present a conceptual model overlooking common perception-based theories (e.g., Technology Acceptance Model). We collected 380 responses from Indian banking consumers to test the model using the PLS-SEM method. Interestingly, the findings present a positive impact of all factors on consumers' intention to adopt AI-based chatbots. However, the interplays between these factors provide a mixed perspective for literature. Apart from employing a combination of factors that have been used to study technology adoption, our study explores the importance of externalities and their relationship with fit factors, a unique outlook often overlooked by prior research. Moreover, we offer a clear understanding of latent variables such as trust, and the intricacies of their interplays in a novel context. Thereby, the study offers implications for literature and practice, followed by future research directions.

• Asia Marketing Journal
• /
• v.12 no.3
• /
• pp.1-24
• /
• 2010

Typically, marketing literature on innovation diffusion has focused on the pre-adoption process and only a few studies explicitly examined consumers' post-adoption behavior of innovative mobile services. Besides, prior use diffusion research has considered the variables that determine the consumers' initial adoption in explaining the post adoption usage behavior. However, behavioral sciences and individual psychology suggest that social influences are a potentially important determinant of usage behavior as well. The purpose of this study is to investigate into the effects of network factor and brand identification as social influences on the consumers' use diffusion or continued usage intention of a mobile service. Network factor designates consumer perception of the usefulness of a network, which embraces the concept of network externality and that of critical mass. Brand identification captures distinct aspects of social influence on technology acceptance that is not captured by subjective norm in situations where the technology use is voluntary. Additionally, this study explores the effect of the use diffusion on the brand switching intention, a generally unexplored form of post-adoption behavior. There are only a few empirical studies in the literature addressing the issue of IT user switching. In this study, the use diffusion comprises of rate of use and variety of use. The research hypotheses are as follows; H1. Network factor will have a positive influence on the rate of use of mobile services. H2. Network factor will have a positive influence on variety of use of mobile services. H3. Network factor will have a positive influence on continued usage intention. H4. Brand identification will have a positive influence on the rate of use. H5. Brand identification will have a positive influence on variety of use. H6. Brand identification will have a positive influence on continued usage intention. H7. Rate of use of mobile services are positively related to continued usage intention. H8. Variety of Use of mobile services are positively related to continued usage intention. H9. Rate of use of mobile services are negatively related to brand switching intention. H10. Variety of Use of mobile services are negatively related to brand switching intention. With the assistance of a marketing service company, a total of 1023 questionnaires from an online survey were collected. The survey was conducted only on those who have received or given a mobile service called "Gifticon". Those who answered insincerely were excluded from the analysis, so we had 936 observations available for a further stage of data analysis. We used structural equation modeling and overall fit was good enough (CFI=0.933, TLI=0.903, RMSEA=0.081). The results show that network factor and brand identification significantly increase the rate of use. But only brand identification increases variety of use. Also, network factor, brand identification and the use diffusion are positively related to continued usage intention. But the hypotheses that the use diffusion are positively related to brand switching intention were rejected. This result implies that continued usage intention cannot guarantee reducing brand switching intention.