• Journal of Korea Trade
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• 제26권8호
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• pp.1-20
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• 2022

Purpose - The paper aims to develop the theory of TAM and perceived risk through a more comprehensive and rigorous understanding of the influencing factors of the consumer's adoption of LG HomNet smart home from the perspective of trade-offs. Design/methodology - Based on the TAM and perceived risk theory, combined with the individual characteristics of consumers in the context of information technology as the external factors of the technology acceptance model, this paper constructs a theoretical model of the factors affecting the use intention of the consumer. It was empirically tested by using SEM, and survey data was collected from 458 respondents. Findings - The research results show that 9 hypotheses of the research model are supported and have reliable prediction accuracy. Consumers' perceived interest, perceived connectivity and perceived controllability have a significant positive impact on their intention to use. In addition, this paper also confirmed the mediating effect of perceived usefulness and perceived ease of use. Originality/value - Consumers are very concerned about gains and losses. Low-level performance risks, security risks, and financial risks will drive the consumer to have a stronger intention to use, and financial risks have the strongest impact. This research provides a useful implication and guidance for smart home equipment manufacturers and service providers in product and service innovation and marketing and promotion strategies.

• 융합정보논문지
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• 제10권3호
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• pp.58-66
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• 2020

이 연구는 인터넷전문은행의 국내 금융소비자의 신뢰 수준을 토대로 연령대별 신뢰도 차이에 대해 다단 비교를 통해 실증 분석하고자 하였다. 이로써 국내 금융시장에 인터넷전문은행이 착근할 수 있는 토대에 대한 기초 연구 자료를 구축하고, 연령대별로 소비자 신뢰 구축 전략을 어떻게 차별화할 것인지에 대한 단초를 제공하려는 것이 이 연구의 목적이다. 이를 위해 먼저 이 연구에서는 연령대별로 금융소비자 그룹을 2030세대 그룹과 4050세대 그룹으로 분리하여 이 두 그룹의 신뢰감을 결정하는 요인을 탐색하고, 두 그룹의 차이를 다집단 분석방법을 통해 비교하였다. 연구 결과, 전 연령층에서 인터넷전문은행에 대한 금융소비자 신뢰는 편리성, 보안성 그리고 금융 거래 비용의 합리성이 결정요인으로 작용함을 보았다. 그리고 연령대별로 과연 신뢰 결정요인이 영향력에서 차이가 있는지를 살펴본 결과, 3개의 신뢰 결정요인 중 비용의 합리성 요인이 젊은 층과 중장년층 간 신뢰 수준의 차이를 발생시키는 것으로 확인되었다. 그리고 소비자 신뢰는 추후 관계몰입으로 역시 강하게 연결됨도 재확인되었다. 이러한 연구 결과는 앞으로 시장 경쟁이 격화될 인터넷전문은행이 지속성장하기 위해 소비자 신뢰가 무엇보다 중요함을 시사한다고 하겠다.

• Journal of Information Processing Systems
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• 제8권3호
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• pp.495-520
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• 2012

A secure Electronic Payment System (EPS) is essential for the booming online shopping market. A successful EPS supports the transfer of electronic money and sensitive information with security, accuracy, and integrity between the seller and buyer over the Internet. SET, CyberCash, Paypal, and iKP are the most popular Credit Card-Based EPSs (CCBEPSs). Some CCBEPSs only use SSL to provide a secure communication channel. Hence, they only prevent "Man in the Middle" fraud but do not protect the sensitive cardholder information such as the credit card number from being passed onto the merchant, who may be unscrupulous. Other CCBEPSs use complex mechanisms such as cryptography, certificate authorities, etc. to fulfill the security schemes. However, factors such as ease of use for the cardholder and the implementation costs for each party are frequently overlooked. In this paper, we propose a Web service based new payment system, based on ANSI X9.59-2006 with extra features added on top of this standard. X9.59 is an Account Based Digital Signature (ABDS) and consumer-oriented payment system. It utilizes the existing financial network and financial messages to complete the payment process. However, there are a number of limitations in this standard. This research provides a solution to solve the limitations of X9.59 by adding a merchant authentication feature during the payment cycle without any addenda records to be added in the existing financial messages. We have conducted performance testing on the proposed system via a comparison with SET and X9.59 using simulation to analyze their levels of performance and security.

• 가정과삶의질연구
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• 제30권4호
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• pp.105-117
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• 2012

This study examined Chinese students' satisfaction level regarding their Korean Internet shopping mall experiences and the measured factors were pre-purchase, purchase, delivery, A/S and security, additionally, evaluate the level of repurchase intention on Chinese students living in South Korea. To accomplish these goals, an online questionnaire survey was conducted between October 1 and 10, 2011. A total of 365 questionnaires were used for the final analysis. The analysis process involved many statistical methods such as frequency, correlation and regression. The results indicate the following finding: First, Chinese students normally visited and purchased from popular Internet shopping malls and the items that they purchased the most frequently were clothing and shoes, makeup, computer and electronics. Second, the Chinese students' satisfaction level regarding their Internet shopping mall experiences was not high. They were especially worried about security matters regarding their personal or financial information. Third, their satisfaction level with the delivery process has the largest influence on their repurchase intention. Also, their gender, the length of time they had lived in Korea, the length of time they spent on Korean Internet shopping mall websites, the amount of frequency of online shopping in Korea, and their satisfaction with their purchase, the delivery process, the A/S process and security affected their repurchase intention in different degrees. The conclusion provides valuable information for devising a strategic direction for improving the foreigners' satisfaction level regarding and repurchase intention on Korean Internet shopping malls.

• Journal of Information Technology Applications and Management
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• 제13권2호
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• pp.127-143
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• 2006

As the number of Internet users increases, online shopping malls are gradually flourishing and sales are continuously growing. However, since consumers are not able to check what they purchase when buying products on the Internet, they are bound to have higher risk perception than buying directly from off-line stores. Especially, sporting goods require a special attention because a preliminary test is important. Therefore, the risk perception is much higher when people purchase sporting goods online. This study first identifies the multi-dimensionality of risk perception. Then, it investigates whether online purchasing experience of sporting goods makes differences in the level of risk perception. In addition, it examines whether the risk perception by those who had an experience in purchasing sporting goods online affects the customer satisfaction. This study has identified five dimensions in the concept of risk perception, such as financial risk, performance risk, security risk, delivery risk, and psychological/physical risk. A statistical analysis shows that people without an experience in purchasing sporting goods online have perceived significantly higher performance risk, security risk, and psychological/physical risk than those with online purchasing experiences. Finally, this study has found that delivery risk, financial risk, and psychological/physical risk have significant negative influences on the customer satisfaction.

• International Journal of Computer Science & Network Security
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• 제22권5호
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• pp.215-219
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• 2022

Bankruptcy is one of the major areas that have attracted the interest of many researchers in the American system, particularly in terms of the laws that oversee it. It provides a plan of reorganization that enables the debtor or the proprietor to discharge liabilities to the creditors through dividing the assets to settle debts. This activity is carried out under supervision to fairly protect the interests of the creditors. Bankruptcy protection systems are dynamic and complex in nature, in line with the economic sector, ensuring the protection of affected individuals from falling into huge losses. Some bankruptcy procedures give the debtor the opportunity to stay in operation or business activity and benefit from revenues until the debt is settled. This law allows some debtors to be relived from any financial burden after the distribution of assets, even if the debt is not paid in full. In light of the above information, this research paper seeks to explore the nature of the complexity of bankruptcy protection laws, their characteristics, and the justice system that regulate them. It also sheds more light on the decision-making powers on bankruptcy cases. There are specialized courts that cover bankruptcy cases located in district courts in every state.

• 정보보호학회논문지
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• 제34권5호
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• pp.1089-1100
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• 2024

정부 및 관련 기관에서 보이스피싱을 예방하기 위한 다양한 대책을 마련하고 있음에도 불구하고, 보이스피싱 피해가 계속해서 발생하고 있다. 본 연구는 텍스트 마이닝 기법을 활용하여 보이스피싱 사기범과 잠재피해자의 실 제대화 448건을 분석하였다. 분석 결과, 보이스피싱 사기범은 지금, 이제, 진행, 오늘, 먼저 등의 한정된 기간을 강조하는 단어를 자주 사용하는 것으로 나타났다. 이것은 사기범들이 특정 단어를 통해 상대방이 합리적인 판단을 하지 못하도록 피해자의 심리를 조작한다는 것을 말해준다. 본 연구의 결과는 정부 및 유관 기관이 효과적인 보이스피싱 예방 및 소비자 보호 정책을 수립하는 데 도움이 된다.

• 한국경영정보학회:학술대회논문집
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• 한국경영정보학회 2007년도 International Conference
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• pp.699-704
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• 2007

In this study, we examine why there exist different legal systems in electronic commerce or online financial trading. When a fraud online transaction occurs and the online customer disputes the transaction, the online customer takes responsibility for the proof of her/his argument in many European countries while in the U.S., the burden of proof lays on the firm. This paper analyzes how these two different legal systems exist and how these can be applied to electronic commerce law. In particular, this paper intends to find the optimal level of e-commerce firms' investment on security and analyzes how security investments can be related to firm's profits and consumer's welfare depending on IT infrastructure and social trust environment. More on, this paper can be contributed to provide guidelines for regulatory framework on ecommerce online transactions and discuss social welfare implications.

• 정보학연구
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• 제2권1호
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• pp.35-52
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• 1999

구매자와 공급자가 새로운 전자화폐를 통한 결제시스템의 도입에 있어 공급자의 과제는 전자화폐의 유용성에 대한 평가기준인 상업성, 안정성, 제한조건 등의 문제를 중심으로 살펴볼 필요가 있다. 사용자인 구매자와 상인이 안전한 결제시스템을 선택할 경우에 그들의 needs를 분석하여 활용해야 하며, 특히, 상업적 조건은 새로운 지불방식에서 필수적으로 고려되어져야 한다. 즉, 사용하기 편리하고 비용이 적게 들어야 함을 물론 다용도로 쓰일 수 있어야 한다. 이러한 사용자의 필요성의 충족 없이(즉, 보안기술의 확보 등)는 궁극적으로 사용자들로부터 외면 받게 될 수 있다. 이에 따라 사용자들에게 선택의 폭을 넓게 해 줌으로써 궁극적으로 전자상거래의 활성화에 이바지 할 것이다.

• 한국시스템다이내믹스연구
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• 제17권1호
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• pp.77-105
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• 2016

Whenever Information leak case had been happened, even though IT Infra systems were reinforced, those cases of kind were not decreased. It meant that the causes are not only the fault of IT, but also other things. So that the information leak cases should have been studied by the interdisciplinary way. There was a point of view for the Business Ethics which needed to be studied in the interdisciplinary way. Financial Information Leak Case of three representative Card Companies in Korea which is happened in 2014 was a case which was composed by many problems. These were bad circumstances, half-educated, lower salary, and the most of all, the C-Levels' ignorance of the law. By studying the CLD: Causal Loop Diagram of Business Ethics and those mentioned factors, few meanings were discovered. Firstly, this case was not a accident, but a predeterminate issue at all, because of the structural unethical corruption. Secondly, main reason of this case was not only criminals who leaked information, but also managers, especially CEO who didn't obey the law, forced that to employees. Thirdly, although those companies had moral guide and did CSR activities, it was not help to protect this information leak case. This study shows that the important thing was not the action for showing, but effective action to management for sustainability.