• 제목/요약/키워드: Ease-of-Use

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The Implication of Trust that Influences Customers' Intention to Use Mobile Banking

  • RAMLI, Yanto;HARWANI, Yuli;SOELTON, Mochamad;HARIANI, Swarmilah;USMAN, Fadlil;ROHMAN, Fatchur
    • The Journal of Asian Finance, Economics and Business
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    • 제8권1호
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    • pp.353-361
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    • 2021
  • The aim of this research is to understand and analyze the ways in which the current digital financial technology is impacting on the financial payment system provided by most of the commercial banks in Indonesia. This research analyzes the variables such as perceived ease-of-use, perceived usefulness, and perceived value on customer's intention to use in relation to the variable of trust as the intervening variable. The data collection is done through distribution of questionnaire; the population of this research consisted of the commercial banking customers located in Jakarta, Indonesia. The sample determination is done through Purposive Sampling and the analysis technique is using Partial Least Square (PLS). The results show that perceived ease-of-use, perceived usefulness, and perceived value have positive and significant effect on intention to use the mobile banking system; perceived usefulness of the application has the most significant influence on intention to use compare to the perceived of ease-of-use and perceived value of the mobile banking system. The results also indicate that, even though the mobile banking system has offered several benefits to the customer, yet it was not actively used by the banking customer compared to other commercial bank's mobile banking system in Indonesia.

확장된 기술수용모델을 통한 항공사 고객의 셀프체크인 키오스크의 사용의도 분석 (The Analysis on Airline Passengers' Intention to Use a Self Check-ln Kiosk through Extended Technology Acceptance Model)

  • 최사라;박윤미;정은성
    • 한국항공운항학회지
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    • 제30권3호
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    • pp.54-64
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    • 2022
  • Airlines have been introducing self check-in kiosks to reduce check-in time and improve operational efficacy to increase business revenue. The domestic airlines have actively provided kiosks at airports which are expected to reduce their operating costs and enrich their passengers' travel convenience. Based on the above background, the study investigates the factors influencing intention to use the self check-in kiosks by employing the Extended Technology Acceptance Model (ETAM). The study, therefore, designed a research model by reviewing theories and studies on the relationship among information quality, innovativeness, perceived ease of use, perceived usefulness, and intention to use the kiosks. The structural equation model revealed the following. Information quality and innovativeness had a significantly positive influence on perceived ease of use and perceived usefulness; furthermore, perceived ease of use had a significantly positive influence on perceived usefulness. In addition, both perceived ease of use and perceived usefulness had a significantly positive influence on intention to use. The results indicate that the airlines should constantly develop user-friendly contents and design of the self check-in kiosks.

스마트폰 기반 쇼핑몰에 대한 정보프라이버시 염려와 개인적 혁신성이 유용성과 사용편이성 및 만족에 미치는 영향 (Influences Information Privacy Concerns and Personal Innovation of Smartphone-based Shopping Mall on Usefulness, Ease-of-Use and Satisfaction)

  • 신미향
    • 디지털융복합연구
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    • 제12권8호
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    • pp.197-209
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    • 2014
  • 본 연구는 기술수용모형을 근거로 정보프라이버시 염려와 개인적 혁신성이 스마트폰 기반 쇼핑몰에 대한 인지된 유용성과 사용편이성 및 만족에 미치는 영향을 분석하였다. 스마트폰 기반 쇼핑몰에서 구매경험이 있는 사람들을 대상으로 설문조사를 실시했고, 구조방정식 모형분석 기법을 사용하여 가설검증을 했다. 연구결과는 첫째, 정보 프라이버시 염려는 스마트폰 기반 쇼핑몰에 대한 유용성에는 유의적인 부(-)의 영향을 주지만, 사용편이성에는 유의적인 영향이 없었다. 둘째, 개인적 혁신성은 스마트폰 기반 쇼핑몰의 유용성과 사용편이성에 유의적인 정(+)의 영향을 주었다. 셋째, 스마트폰 기반 쇼핑몰의 사용편이성은 유용성과 만족에 유의적인 정(+)의 영향을 주었다. 마지막으로 스마트폰 기반 쇼핑몰의 유용성은 만족에 유의적인 정(+)의 영향을 주는 것으로 나타났다. 이러한 연구결과는 스마트폰 기반 쇼핑몰의 수용에 있어서 정보프라이버시 염려와 개인적 혁신성의 중요성을 밝혔다.

인터넷 사용과 지각의 성별차이에 관한 연구 (A Study on Gender Differences in the Perception and Use of Internet)

  • 이동만;이영숙;안현숙
    • Asia pacific journal of information systems
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    • 제12권1호
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    • pp.103-122
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    • 2002
  • The technology acceptance model(TAM) has been widely studied in IS research and Internet has been expanded very rapidly in modern society. The purpose of this study is to provide an internet acceptance model and test it empirically. This study extends the TAM model and motivation theory by adding gender. This model posits that perceived ease of use, perceived usefulness and perceived playfulness correlate with Internet use, Test results are as follows: First, the survey suggested the three factors-perceived usefulness, perceived ease of use and perceived playfulness-affect the use of Internet. Second, Difference just appeared in case of perceived use of use between genders but not others-perceived usefulness and perceived playfulness. Third, the result represented that there was nothing that affected the use of Internet by itself among the three factors-perceived usefulness, ease of use and playfulness and perceived usefulness used gender as a moderated variable in the case of the use of Internet.

인터넷 쇼핑몰 수용에 있어 사용자 능력의 조절효과 분석 (An Analysis of the Moderating Effects of User Ability on the Acceptance of an Internet Shopping Mall)

  • 서건수
    • Asia pacific journal of information systems
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    • 제18권4호
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    • pp.27-55
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    • 2008
  • Due to the increasing and intensifying competition in the Internet shopping market, it has been recognized as very important to develop an effective policy and strategy for acquiring loyal customers. For this reason, web site designers need to know if a new Internet shopping mall(ISM) will be accepted. Researchers have been working on identifying factors for explaining and predicting user acceptance of an ISM. Some studies, however, revealed inconsistent findings on the antecedents of user acceptance of a website. Lack of consideration for individual differences in user ability is believed to be one of the key reasons for the mixed findings. The elaboration likelihood model (ELM) and several studies have suggested that individual differences in ability plays an moderating role on the relationship between the antecedents and user acceptance. Despite the critical role of user ability, little research has examined the role of user ability in the Internet shopping mall context. The purpose of this study is to develop a user acceptance model that consider the moderating role of user ability in the context of Internet shopping. This study was initiated to see the ability of the technology acceptance model(TAM) to explain the acceptance of a specific ISM. According to TAM. which is one of the most influential models for explaining user acceptance of IT, an intention to use IT is determined by usefulness and ease of use. Given that interaction between user and website takes place through web interface, the decisions to accept and continue using an ISM depend on these beliefs. However, TAM neglects to consider the fact that many users would not stick to an ISM until they trust it although they may think it useful and easy to use. The importance of trust for user acceptance of ISM has been raised by the relational views. The relational view emphasizes the trust-building process between the user and ISM, and user's trust on the website is a major determinant of user acceptance. The proposed model extends and integrates the TAM and relational views on user acceptance of ISM by incorporating usefulness, ease of use, and trust. User acceptance is defined as a user's intention to reuse a specific ISM. And user ability is introduced into the model as moderating variable. Here, the user ability is defined as a degree of experiences, knowledge and skills regarding Internet shopping sites. The research model proposes that the ease of use, usefulness and trust of ISM are key determinants of user acceptance. In addition, this paper hypothesizes that the effects of the antecedents(i.e., ease of use, usefulness, and trust) on user acceptance may differ among users. In particular, this paper proposes a moderating effect of a user's ability on the relationship between antecedents with user's intention to reuse. The research model with eleven hypotheses was derived and tested through a survey that involved 470 university students. For each research variable, this paper used measurement items recognized for reliability and widely used in previous research. We slightly modified some items proper to the research context. The reliability and validity of the research variables were tested using the Crobnach's alpha and internal consistency reliability (ICR) values, standard factor loadings of the confirmative factor analysis, and average variance extracted (AVE) values. A LISREL method was used to test the suitability of the research model and its relating six hypotheses. Key findings of the results are summarized in the following. First, TAM's two constructs, ease of use and usefulness directly affect user acceptance. In addition, ease of use indirectly influences user acceptance by affecting trust. This implies that users tend to trust a shopping site and visit repeatedly when they perceive a specific ISM easy to use. Accordingly, designing a shopping site that allows users to navigate with heuristic and minimal clicks for finding information and products within the site is important for improving the site's trust and acceptance. Usefulness, however, was not found to influence trust. Second, among the three belief constructs(ease of use, usefulness, and trust), trust was empirically supported as the most important determinants of user acceptance. This implies that users require trustworthiness from an Internet shopping site to be repeat visitors of an ISM. Providing a sense of safety and eliminating the anxiety of online shoppers in relation to privacy, security, delivery, and product returns are critically important conditions for acquiring repeat visitors. Hence, in addition to usefulness and ease of use as in TAM, trust should be a fundamental determinants of user acceptance in the context of internet shopping. Third, the user's ability on using an Internet shopping site played a moderating role. For users with low ability, ease of use was found to be a more important factors in deciding to reuse the shopping mall, whereas usefulness and trust had more effects on users with high ability. Applying the EML theory to these findings, we can suggest that experienced and knowledgeable ISM users tend to elaborate on such usefulness aspects as efficient and effective shopping performance and trust factors as ability, benevolence, integrity, and predictability of a shopping site before they become repeat visitors of the site. In contrast, novice users tend to rely on the low elaborating features, such as the perceived ease of use. The existence of moderating effects suggests the fact that different individuals evaluate an ISM from different perspectives. The expert users are more interested in the outcome of the visit(usefulness) and trustworthiness(trust) than those novice visitors. The latter evaluate the ISM in a more superficial manner focusing on the novelty of the site and on other instrumental beliefs(ease of use). This is consistent with the insights proposed by the Heuristic-Systematic model. According to the Heuristic-Systematic model. a users act on the principle of minimum effort. Thus, the user considers an ISM heuristically, focusing on those aspects that are easy to process and evaluate(ease of use). When the user has sufficient experience and skills, the user will change to systematic processing, where they will evaluate more complex aspects of the site(its usefulness and trustworthiness). This implies that an ISM has to provide a minimum level of ease of use to make it possible for a user to evaluate its usefulness and trustworthiness. Ease of use is a necessary but not sufficient condition for the acceptance and use of an ISM. Overall, the empirical results generally support the proposed model and identify the moderating effect of the effects of user ability. More detailed interpretations and implications of the findings are discussed. The limitations of this study are also discussed to provide directions for future research.

Factors affecting millennials' intentions to use social commerce in fashion shopping

  • Bounkhong, Tiffany;Cho, Eunjoo
    • 복식문화연구
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    • 제25권6호
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    • pp.928-942
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    • 2017
  • Social media has become an integral part of consumers' daily lives. Individuals connect with one another on social networking sites to like, share, and post information and experiences. As social media become popular among millennials, a growing number of fashion retailers use social media networks in the context of online commerce transactions. Accordingly, an increased number of fashion retailers has been using social media as an advertising tool and a retail channel. Despite the popularity of social media among millennials, empirical findings are limited to reveal factors associated with young consumers' intentions to use social commerce in fashion shopping. This study sought to examine factors affecting millennials' intentions to use social commerce in fashion shopping by adopting the technology acceptance model. A total of 524 college students completed an online survey in the U.S. The results of structural equation model confirmed that perceived ease of use, usefulness, and enjoyment had a positive impact on millennials' attitudes and intentions toward fashion shopping in social commerce. While both perceived ease of use and usefulness positively influenced enjoyment, usefulness had a stronger impact than ease of use. Compared to usefulness, enjoyment had much stronger impact on attitudes. Further structural model analysis revealed a direct, positive influence of perceived usefulness of social commerce on perceived enjoyment of social commerce, which has not been explored in prior studies. These findings provide theoretical and managerial implications.

무선인터넷서비스 수용의 영향요인 분석: 플로우이론을 가미한 기술수용모델의 확장 (Factors Influencing Mobile Internet Service Acceptance: Extension of Technology Acceptance Model Using The Flow Theory)

  • 장정무;김종욱;김태웅
    • Asia pacific journal of information systems
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    • 제14권3호
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    • pp.93-120
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    • 2004
  • The current study investigates major factors which influence the acceptance of mobile internet services based on the theoretical backgrounds of the technology acceptance model(TAM) and the flow theory. This research extended the Davis' TAM model(1989) by including the flow concept as another major factor towards the intention to use the mobile device in order to explain the acceptance of divers mobile services. According to the marketing studies(Ghani & Desphande, 1994; Novak, Hoffman & Yung, 2000), flow is regarded a psychological state in which one is absorbed in something he or she is doing, and is known to be widely adopted in explaining one's acceptance in the area of game, sports, and even hobby. This study developed a research model to explain the use of mobile services employing usefulness, ease of use and flow as major research variables, and collected 221 survey responses from the high school students who had experiences with such mobile services as game and audio file download. The results of the current research indicates that usefulness and flow influence the intension to use mobile services, but the effect of ease of use did not appear significant to the intention to use. It was also found that flow affects both usefulness and ease of use, and then ease of use next influences usefulness.

지식관리시스템의 지속적 사용에 영향을 미치는 요인에 관한 연구 (A Study on the Factors Affecting Continuance Use of Knowledge Management System)

  • 이홍재
    • 정보관리학회지
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    • 제28권3호
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    • pp.219-238
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    • 2011
  • 본 연구에서는 KMS의 지속적 사용에 영향을 미치는 요인을 분석하기 위해 KMS 품질, 지각된 사용용이성과 지각된 유용성, 태도 및 KMS의 지속적 사용 간의 구조적 관계를 실증적으로 분석하고자 하였다. 이를 위해 본 연구는 경찰공무원들을 대상으로 한 설문조사를 통해 실증분석을 시도하였다. 가설검증 결과, 외부요인인 KMS 품질은 지각된 사용 용이성과 지각된 유용성에 유의미한 긍정적 영향을 미치고, 지각된 사용 용이성은 지각된 유용성에 긍정적인 영향을 미치는 것으로 검증되었다. 그리고 KMS에 대한 사용자의 지각된 사용 용이성과 지각된 유용성 모두 KMS 태도에 긍정적인 영향을 미치고, 태도요인을 매개로 KMS 사용행위에 긍정적인 영향을 미치는 것으로 나타났다. 이러한 분석결과를 토대로 본 연구에서는 KMS의 지속적인 수용과정을 설명하고, 그 함의를 제시하였다.

HTML5 서비스 품질이 스마트러닝 사용의도에 관한 연구 (A study of HTML5 Service Quality on Usage Intention of Smart Learning)

  • 노은희;이홍제;한경석
    • 디지털콘텐츠학회 논문지
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    • 제18권5호
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    • pp.869-879
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    • 2017
  • 이 연구는 HTML5 서비스 품질이 스마트 러닝의 사용의도에 관한 실증적인 연구를 통해 정책적 시사점을 제시한다. HTML5의 서비스 품질로 신뢰성, 확신성, 유형성, 공감성, 대응성을 독립변수로, 지각된 유용성, 지각된 사용 용이성을 매개변수로, 사용의도를 종속변수로 선정 하였다. 조절변수로는 디바이스, 이용서비스, 학습장소, 이용서비스, 사용기간, 사용시간이 채택되었다. HTML5 서비스 품질의 신뢰성, 유형성이 지각된 사용 용이성에 부정적 영향을 미치는 것으로 파악 되었다. 신뢰성, 확신성, 유형성, 공감성, 대응성이 지각된 유용성에 긍정적 영향을 미치고, 확신성, 공감성, 대응성이 지각된 사용 용이성에서 긍정적 영향을 미치는 것으로 파악 되었다. 지각된 사용 용이성이 지각된 유용성에서 긍정적인 영향을 미치는 것으로 검증이 되었고 유용하거나 사용이 용이하다면 이용자의 사용의도에 긍정적인 영향이 있음을 검증하였다.

스마트폰의 정보시스템 품질이 사용의도에 미치는 영향에 관한 연구 (The study on th effects of system quality of Smart Phone on use of intention)

  • 조현숙;양승복
    • 한국컴퓨터정보학회논문지
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    • 제16권5호
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    • pp.147-152
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    • 2011
  • 본 연구는 스마트폰의 품질에 따른 스마트폰의 유용성과 이용 용이성 및 사용의도에 관한 연구를 통하여 스마트폰의 수용 결정과정에 미치는 영향들을 확인 및 검증했다. 이를 위해 기술수용모델(TAM)을 확장하여 이론모델을 제시하고, 설문조사를 실시하여 회귀분석을 실시하였다. 조사 분석결과 스마트폰의 품질은 유용성과 이용용이성에 유의한 영향을 미치며, 이들은 사용의도에 유의한 영향을 미치는 것으로 나타났다. 또, 스마트폰 사용자가 일반 휴대폰 사용자보다 품질 만족도가 높고, 계속사용의도가 높은 것으로 나타났다.