• Asia pacific journal of information systems
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• v.34 no.1
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• pp.114-149
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• 2024

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.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.41 no.3
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• pp.170-175
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• 2018

While the term online shopping refers to all online transactions, cross-border online shopping means shopping activities purchasing products or services over the internet for the customers abroad. As Internet use for the international shopping activity increasing, cross border online shopping has grown substantially for last decade. This study is about the problem regarding the cross border online shopping for two different countries and the variables that influence their shopping behavior. The cross border online shopping has been increased by the growth of Internet access. However, the growth of the Internet use does not guarantee a successful development of cross border e-commerce for every country. To find out the perception for cross-border online shopping for two different cultures, shoppers from two countries with different cultural background were chosen, and the perception for cross-border online shopping from each culture is contrasted. For statistical Analysis, ANOVA is used to find the relationship between a single non-metric independent variable, and multiple metric dependent variables. Hofstede's cultural dimensions model is adopted for this study as a tool to find out the patterns of cross border online shopping. This study showed what the variables would affect the perception in cross border online shopping. The results of this study indicated that cross border online shoppers with different culture were notably different on two variables identified-timeliness and ease of use.

• International Journal of Contents
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• v.8 no.4
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• pp.50-55
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• 2012

This study compared cross-national Twitter use between Korea and Japan. The main exploratory variables were a) cultural traits and b) disclosure of geographic information. Twitter use was measured by the degree of reciprocity and the numbers of Tweets, followings, and followers. Data were collected using API-based software and analyzed with independent samples t-tests. Content analysis was conducted to validate the findings. The results indicate that Korean and Japanese users employ their own communication strategies reflecting their cultural orientation.

• English Language & Literature Teaching
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• v.17 no.3
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• pp.177-194
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• 2011

This study examines the use of discourse markers in cross-cultural communication between EFL learners in an e-learning environment. The study analyzes the use of discourse markers in a corpus of an interactive web with a bulletin board system through which college students of English at Japanese and Korean universities interacted with each other discussing the topics of local and global issues. It compares the use of discourse markers in the learners' corpus to that of a native English speakers' corpus. The results indicate that discourse markers are useful interactional devices to structure and organize discourse. EFL learners are found to display more frequent use of referentially and cognitively functional discourse markers and a relatively rare use of other markers. Native speakers are found to use a wider variety of discourse markers for different functions. Suggestions are made for using computer corpora in understanding EFL learners' language difficulties and helping them become more interactionally competent speakers.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.17 no.12
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• pp.3345-3363
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• 2023

Developers often use cross-platform frameworks to create mobile apps that can run on multiple platforms with minimal code changes. However, these frameworks may not suit all the needs of a specific app, so developers may also use native APIs to add platform-specific features. This method eventually dilutes the advantages of cross-platform development methodology that aims to reduce development costs and time, and often leads to a decision to return back to the original native mobile development methodology. In this study, we explore a different approach: combining different cross-platform tools to develop a storybook mobile app that meets various requirements. We have demonstrated that integrating two cross-platform solutions can be used reliably to develop complex mobile applications. However, we also report that this approach can introduce unforeseen issues such as sandbox redundancy, unexpected functional burdens, and redundant permission requests. Despite these challenges, we believe that combining two cross-platform solutions can be applied to a variety of functional and performance requirements, enabling the development of more sophisticated mobile applications at lower costs and with shorter development timelines than traditional mobile app development methodologies.

• Journal of the Korean Society of Clothing and Textiles
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• v.44 no.5
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• pp.1004-1018
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• 2020

Advances in e-commerce enable consumers to shop efficiently for fashion products in global markets in addition, the market size of purchasing directly from foreign websites are also increasing. This study investigates the effects of hedonic and utilitarian shopping values on the continuous use intention of online cross-border shopping. Curiosity and self-efficacy were introduced as mediating variables between shopping values and user intentions. A web-based survey is conducted on female consumers, who have experiences to buy fashion products by online cross-border shopping. A total of 472 responses were collected from a panel of online survey firms. Data are analyzed using confirmatory factor analysis, structural equation modeling, and multi-group SEM by AMOS 21.0. According to the results of the structural equation model test, hedonic value affected continuous use intention of online cross-border shopping as mediated by curiosity and self-efficacy; in addition, utilitarian value influenced self-efficacy, which mediated relations between the utilitarian value and the continuous use intention. The research model was also tested to compare heavy users and light users of online cross-border shopping. For heavy users, the effect of hedonic value on curiosity was significantly stronger than for light users. Several implications are suggested based on the results.

• The Research Journal of the Costume Culture
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• v.27 no.2
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• pp.98-108
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• 2019

With the expansion of various distribution channels in online and offline stores, TV, and mobile, consumers now have more information search and retail selection channels to choose from than ever before. Major retailers now use multi- and omni-channel strategies. This study focused on cross-channel consumption, which involves the use of different information search and purchase channels. Using cross-channel consumption, consumers can search for information online and then make purchases offline and vice versa. The purpose of this study was to examine the relationship between channel strategies and other consumer variables, and the study also assessed the effect of product type. To conduct this empirical study, the researchers developed a consumer questionnaire concerning three consumer channel strategies-on-on, cross, and off-off-and four product categories-clothing, cosmetics, books, and electronics. The results indicated that gender and marital status did not influence consumer channel strategies, but that age did have a significant influence. The analysis showed that consumers in their 40s preferred the cross channel strategy, perceiving it to be effective, satisfactory, and rewarding. Compared to other products, clothing products showed higher levels of cross channel strategies. Consumers indicated that they prefer searching for information online and then purchasing clothing offline. Overall, clothing products generated higher levels of channel satisfaction and channel switch intentions. Cross-channel clothing shoppers reported effective information retrieval times but longer delivery times.

• Asia pacific journal of information systems
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• v.15 no.3
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• pp.209-221
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• 2005

One of the most fundamental problems in business is to evaluate the value of each product. The difficulty is that the profit of one product not only comes from its own sales, but also its influence on the sales of other products, i.e., the "cross-selling effect". This study integrates a measure for cross selling and an algorithm for profit estimation. Sales transaction data and post sales survey data from on-line and off-line shopping mall is used to show the effectiveness of the method against other heuristic for profit estimation based on product-specific profitability. We show that with the use of the new method we are able to identify the cross-selling potential of each product and use the information for better product selection.

• Cross-Cultural Studies
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• v.24
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• pp.170-183
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• 2011

This study explored how a Chinese college student who previously had not reached a threshold level of Korean proficiency used L1 (Chinese) and L2 (English) as a tool to socialize into Korean (L3) culture of learning over the course of study. From a perspective of language socialization, this study examined the cross-linguistic influence of L1 and L2 on the L3 acquisition process by tracing an approach to language learning and practices taken by the Chinese student as a case study. Data were collected through three methods; interview protocols, various types of written texts, and observations. The results showed that the student used English as a means to negotiate difficulties and expertise by empowering her L2 exposure during the classroom practices. Her ways of using L2 in oral practices could be characterized as the 'Inverse U-shape' pattern, under which she increased L2 exposure at the early stage of the study and shifted the intermediate language to L3 at the later stage of the study. When it comes to the language use in written practices, the sequence of "L2-L1-L3" use gradually changed to the "L2-L3" sequence over time, signifying the importance of interaction between L2 and L3. However, the use of her native language (L1) in a Korean-speaking classroom was limited to a certain aspect of literacy practices (i.e., vocabulary learning or translation). This study argues for L2 communication channel in cross-cultural classrooms as a key factor to determine sustainable learning growth.

• Preventive Nutrition and Food Science
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• v.10 no.1
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• pp.88-91
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• 2005

To improve the physical properties of protein films, various plasticizers and cross-linking agents were used in the preparation of the films. For zein film, 3% polypropylene glycol with 3% glycerol was the best plasticizer, while 2.5% glycerol was the most suitable for soy protein isolate (SPI) film in terms of tensile strength (TS), % elongation, and water vapor permeability (WVP). Formaldehyde, glutaraldehyde, glyoxal, and cinnamaldehyde as cross-linking agents of protein films were used to further improve the physical properties of the films. All aldehydes used as cross-linking agent in this study improved TS of zein and SPI films. In particular, cinnamaldehyde was the best cross-linking agent due to its safety in foods. These results suggest that appropriate use of plasticizer and cross-linking agent like cinnamaldehyde should improve the physical properties of protein films for use in food packaging.