• The Journal of Asian Finance, Economics and Business
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• v.9 no.2
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• pp.217-227
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• 2022

The main purpose of this study is to analyze the adoption and use of mobile banking by university students and its potential determining factors. This study comprises 259 completed questionnaires answered through an online survey method. The respondents are Mongolian university students who have experience in using mobile banking applications. Young adults rely heavily on technology and are more likely to adopt mobile banking applications; however, there is limited research on the acceptance and use of mobile banking applications among this cohort, particularly from the perspective of Central Asian developing economies. Through using the SmartPLS 3.3 software, confirmatory factor analysis was conducted to evaluate the construct and structural equation modeling. The main results indicate that performance expectancy, effort expectancy, social influence, and facilitating conditions are the main constructs related to mobile banking technology acceptance; perceived security positively impacts perceived trust. Moreover, perceived trust is the construct of the use of mobile banking technology by the university students who responded to the questionnaire. However, the relationship between perceived risk and use behavior was not accepted.

• Journal of Distribution Science
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• v.21 no.3
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• pp.47-60
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• 2023

Purpose: During and after Covid-19 pandemic, technology has emerged as a key factor in supporting the recovery of the economy and the rise of living standards. This study examines seven factors affecting the intention of food delivery apps usage, which include Performance Expectancy, Effort Expectancy, Social Influence, Hedonic Motivation, Price Value, and Habit, and how much influence they have on the customers' behavioral continuance of food delivery apps after Covid-19 Pandemic. Research methodology: This research is a quantitative descriptive research with 473 qualified respondents from 550 respondents collected. Besides using the UTAUT2 model (Venkatesh et al., 2012), Information Quality was added to give a better explanation for the consumers' intention towards continuance behavior using food delivery apps. The collected data is then processed using SPSS 22.0. Results: Habit factors and Information Quality factors have significant positive effects on promoting food delivery apps usage intention, which in turn influences continuance behavior. In addition, Habit factors and Information Quality factors together have an effect of 48.57% on Behavioral Intention. Conclusion: The result proves that positive habits and food information quality can increase the usage intention towards the behavioral continuance of consumers. Higher usage frequency can be improved by increasing these two factors.

• International Journal of Advanced Culture Technology
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• v.11 no.2
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• pp.345-357
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• 2023

This research investigates the relationship between the information quality, service quality, and system quality of lodging apps and the users' expectations, level of satisfaction, and intent to continue using them. For this objective, 418 respondents participated in a survey. To evaluate the hypotheses, the collected data were examined using SPSS 22.0 and AMOS 22.0 statistical software. This study constructed a model using information quality, service quality, system quality, expectancy, satisfaction, and intention to continue using the pre- and post-use relationship of users of accommodation applications. The results of testing the hypotheses indicated that system quality had no significant effect on expectancy, system quality and service quality had no significant effect on satisfaction, and all other hypotheses had significant effects. The conclusion of this research is that the app's system quality, including access speed, access barriers, and privacy, does not satisfy pre- and post-use expectations. In addition, the system quality and service quality of the application have little effect on the app's satisfaction. The information quality of the application has a considerable impact on expectation confirmation and satisfaction, expectation confirmation has an impact on satisfaction, and expectation confirmation and satisfaction have an impact on intention to continue using.

• Korea Trade Review
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• v.45 no.2
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• pp.103-119
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• 2020

As the easy payment service is popularized and the competition in the service market is fierce, research on factors affecting users' continuous use of the easy payment service is becoming increasingly important. However, in the existing studies, the discussion of the continuous intention to use the consumer's simple payment service has not been sufficiently conducted. Existing research remains on the way of listing technology and consumer characteristics. To bridge this research gap, this study aims to integrate and modify ECM and UTAUT to consider factors influencing the continuous use of easy payment services. The user's expectations and the confirmation were considered as important factors to decide. For empirical analysis, a survey was conducted for 236 users who had experience with domestic easy payment service. As a result, it was verified that confirmation, performance expectancy, effort expectancy, social influence, and habit in regard to easy payment services are important for continuous use intention. Through this study, it is expected that the consumer's technology acceptance mechanism on the continuous use of simple payment will be grasped in more detail to develop academic discussions in the field. Implications from the results as well as limitations of the study are presented.

• Journal of Distribution Science
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• v.22 no.1
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• pp.13-23
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• 2024

Purpose: Within the ever-changing realm of modern e-commerce, this study delves into the complex effects of factors like performance expectations, ease of use, social influence, favorable conditions, and enjoyment perception on users' intentions and usage patterns in online marketplace apps. The research centres on Tokopedia app users in Denpasar City, encompassing a wide and varied demographic. Methods: Utilizing a non-probability sampling method, 200 participants were selected for extensive data collection through surveys. Subsequent rigorous analysis of the gathered data was performed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) techniques. Results: This study aims to contribute substantially to theoretical and practical knowledge regarding marketplace app usage. Theoretical contributions involve enhancing the marketing domain, especially in digital marketing, by revealing the intricate factors influencing user conduct in online marketplaces. From a practical standpoint, this research provides valuable insights for entrepreneurs aspiring to join or improve their positions in the Tokopedia app market. Conclusion: Based on the study, we suggest optimising online shopping apps for a more appealing and user-friendly interface. Enhancing the enjoyment and simplicity of finding desired products can prompt heightened usage of online shopping services, thereby reinforcing distribution management strategies and overall market presence.

• Asia pacific journal of information systems
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• v.29 no.2
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• pp.203-216
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• 2019

There is an accuracy-diversity dilemma with personalized recommendation services. Some researchers believe that accurate recommendations might reinforce customer satisfaction. However, others claim that highly accurate recommendations and customer satisfaction are not always correlated. Thus, this study attempts to establish the causal factors that determine customer satisfaction with personalized recommendation services to reconcile these incompatible views. This paper employs statistical analyses of simulation to investigate an accuracy-diversity dilemma with personalized recommendation services. To this end, we develop a personalized recommendation system and measured accuracy, diversity, and customer satisfaction using a simulation method. The results show that accurate recommendations positively affected customer satisfaction, whereas diverse recommendations negatively affected customer satisfaction. Also, customer satisfaction was associated with the recommendation product size when neighborhood size was optimal in accuracy. Thus, these results offer insights into personalizing recommendation service providers. The providers must identify customers' preferences correctly and suggest more accurate recommendations. Furthermore, accuracy is not always improved as the number of product recommendation increases. Accordingly, providers must propose adequate number of product recommendation.

• Journal of The Korean Society of Grassland and Forage Science
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• v.37 no.1
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• pp.68-79
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• 2017

The objective of study was to find the relationship in hilly pasture landscape expectancy and tourist's satisfaction on grassland facility. It was followed by literature reviews and visitors' survey in Daegwallyeong Yangtte Farm on 31, July, 2014. 367 respondents were analyzed by F-test, t-test, Chi-square and Fisher's Exact Test at 0.05 level after data screening process. Computing factors were sex, marital status, age, academic career and occupation. The results was as followed; First, major respondents group of survey were in oder of woman, forty years old group, married office worker, and university graduate. Second, the expectancy for grassland was significant difference in age, but pasture color expectancy was not significant difference in gender, age, educational background, marital status, and there was significant difference in favorite grassland type with age, marital status. Third, favorite fence type was not significant difference along with all group of participants. However, color and material of fence was significant difference in marital status. Fourth, preferred ranch road was significant difference with occupation and marital status. There was significant difference in favorite grassland type near ranch road along with age and occupation type. Fifth, the mean satisfaction was 3.6 point in 5.0. Therefore, all respondents were generally satisfaction in visited. Tourists were more interested in ranch landscape than experience or contacts to animal.

• Korea journal of population studies
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• v.35 no.2
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• pp.209-232
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• 2012

The purposes of this study is to calculate the gender-based Life Expectancy and Disability Free Life Expectancy of 65-year-olds in accordance with the regions of 16 in Korea based on the years 2005 and 2010 by using the Sullivan method. We used the Census in 2005, 2010, the Korea National Statistical Office(10% sample). We also reviewed examining the changes in LE and DFLE and understanding the relevance between the DFLE of 65-year-olds of the year 2010 and related factors. As a result of this study, it was shown that the LE of the group of all 65-year-old in Korea increased from 18.15 years in 2005 to 19.75 years in 2010 and DFLE increased from 11.41 years in 2005 to 11.64 years in 2010. Regionally, the highest LE for total of 65-year-olds was found to be the entire Jeju area and DFLE was the highest in the city of Seoul. And the highest LE and the highest DFLE for 65-year-old male were found to be in the city of Seoul. Regarding the regional LE of 65-year-old female, both in 2005 and 2010 Jeju area was seen to be the highest. The results of a correlation analysis showed that the DFLE of 65-year-olds in 2010 was found to be increasing with high LE and high population density and in regions with low average temperatures, low number of beds and low age standardized death rates of malignant neoplasms and circulatory disease.

• Asia pacific journal of information systems
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• v.22 no.3
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• pp.99-124
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• 2012

Our society has long been talking about necessity for innovation. Since companies in particular need to carry out business innovation in their overall processes, they have attempted to apply many innovation factors on sites and become to pay more attention to their innovation. In order to achieve this goal, companies has applied various information technologies (IT) on sites as a means of innovation, and consequently IT have been greatly developed. It is natural for the field of IT to have faced another revolution which is called cloud computing, which is expected to result in innovative changes in software application via the Internet, data storing, the use of devices, and their operations. As a vehicle of innovation, cloud computing is expected to lead the changes and advancement of our society and the business world. Although many scholars have researched on a variety of topics regarding the innovation via IT, few studies have dealt with the issue of could computing as IT. Thus, the purpose of this paper is to set the variables of innovation attributes based on the previous articles as the characteristic variables and clarify how these variables affect "Performance Expectancy" of companies and the intention of using cloud computing. The result from the analysis of data collected in this study is as follows. The study utilized a research model developed on the innovation diffusion theory to identify influences on the adaptation and spreading IT for cloud computing services. Second, this study summarized the characteristics of cloud computing services as a new concept that introduces innovation at its early stage of adaptation for companies. Third, a theoretical model is provided that relates to the future innovation by suggesting variables for innovation characteristics to adopt cloud computing services. Finally, this study identified the factors affecting expectation and the intention to use the cloud computing service for the companies that consider adopting the cloud computing service. As the parameter and dependent variable respectively, the study deploys the independent variables that are aligned with the characteristics of the cloud computing services based on the innovation diffusion model, and utilizes the expectation for performance and Intention to Use based on the UTAUT theory. Independent variables for the research model include Relative Advantage, Complexity, Compatibility, Cost Saving, Trialability, and Observability. In addition, 'Acceptance for Adaptation' is applied as an adjustment variable to verify the influences on the expected performances from the cloud computing service. The validity of the research model was secured by performing factor analysis and reliability analysis. After confirmatory factor analysis is conducted using AMOS 7.0, the 20 hypotheses are verified through the analysis of the structural equation model, accepting 12 hypotheses among 20. For example, Relative Advantage turned out to have the positive effect both on Individual Performance and on Strategic Performance from the verification of hypothesis, while it showed meaningful correlation to affect Intention to Use directly. This indicates that many articles on the diffusion related Relative Advantage as the most important factor to predict the rate to accept innovation. From the viewpoint of the influence on Performance Expectancy among Compatibility and Cost Saving, Compatibility has the positive effect on both Individual Performance and on Strategic Performance, while it showed meaningful correlation with Intention to Use. However, the topic of the cloud computing service has become a strategic issue for adoption in companies, Cost Saving turns out to affect Individual Performance without a significant influence on Intention to Use. This indicates that companies expect practical performances such as time and cost saving and financial improvements through the adoption of the cloud computing service in the environment of the budget squeezing from the global economic crisis from 2008. Likewise, this positively affects the strategic performance in companies. In terms of effects, Trialability is proved to give no effects on Performance Expectancy. This indicates that the participants of the survey are willing to afford the risk from the high uncertainty caused by innovation, because they positively pursue information about new ideas as innovators and early adopter. In addition, they believe it is unnecessary to test the cloud computing service before the adoption, because there are various types of the cloud computing service. However, Observability positively affected both Individual Performance and Strategic Performance. It also showed meaningful correlation with Intention to Use. From the analysis of the direct effects on Intention to Use by innovative characteristics for the cloud computing service except the parameters, the innovative characteristics for the cloud computing service showed the positive influence on Relative Advantage, Compatibility and Observability while Complexity, Cost saving and the likelihood for the attempt did not affect Intention to Use. While the practical verification that was believed to be the most important factor on Performance Expectancy by characteristics for cloud computing service, Relative Advantage, Compatibility and Observability showed significant correlation with the various causes and effect analysis. Cost Saving showed a significant relation with Strategic Performance in companies, which indicates that the cost to build and operate IT is the burden of the management. Thus, the cloud computing service reflected the expectation as an alternative to reduce the investment and operational cost for IT infrastructure due to the recent economic crisis. The cloud computing service is not pervasive in the business world, but it is rapidly spreading all over the world, because of its inherited merits and benefits. Moreover, results of this research regarding the diffusion innovation are more or less different from those of the existing articles. This seems to be caused by the fact that the cloud computing service has a strong innovative factor that results in a new paradigm shift while most IT that are based on the theory of innovation diffusion are limited to companies and organizations. In addition, the participants in this study are believed to play an important role as innovators and early adapters to introduce the cloud computing service and to have competency to afford higher uncertainty for innovation. In conclusion, the introduction of the cloud computing service is a critical issue in the business world.

• Asia pacific journal of information systems
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• v.18 no.3
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• pp.45-65
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• 2008

The rapid growth of the Internet has increased the amount of transmission of personally identifiable information. At the same time, with new Internet related technologies, organizations are trying to collect and access more personal information than before, which in turn makes individuals concern more about their information privacy. For their successful businesses, organizations have tried to alleviate these concerns in two ways: (1) by offering privacy policies that promise certain level of privacy protection; (2) by offering benefits such as financial gains or convenience. In this paper, we interpret these actions in the context of the information processing theory of motivation. This paper follows Hann et al.(2007)'s methods to analyze Internet users privacy concerns in Korea and tries to compare the findings. Our research objectives are as follows: First, we analyze privacy concern mitigation strategies in the framework of the expectancy theory of motivation. Subsequently, we show how the expectancy theory based framework is linked o the conjoint analysis. We empirically validate the predictions that the means to mitigate privacy concerns are associated with positive valences resulting in an increase in motivational score. In order to accommodate real-life contexts, we investigate these means in trade-off situation, where an organization may only be able to offer partially complete privacy protection and/or promotions and/or convenience, While privacy protection (secondary use, improper access) are associated with positive valences, we also find that financial gains can significantly increase the individuals' motivational score of a website in Korea. One important implication of this empirical analysis is that organizations may possess means to actively manage the privacy concerns of Internet users. Our findings show that privacy policies are valued by users in Korea just as in the US or Singapore. Hence, organizations can capitalize on this, by stating their privacy policy more prominently. Also organizations would better think of strategies or means that may increase online users' willingness to provide personal information. Since financial incentives also significantly increase the individuals' motivational score of website participation, we can quantify the value of website privacy protection in terms of monetary gains. We find that Korean Internet users value the total privacy protection (protection against errors, improper access, and secondary use of personal information) as worthy as KW 25,550, which is about US 28. Having done this conjoint analysis, we next adopt cluster analysis methodology. We identify two distinct segments of Korea's internet users-privacy guardians and information sellers, and convenience seekers. The immediate implication of our study is that firms with online presence must differentiate their services to serve these distinct segments to best meet the needs of segments with differing trade-offs between money and privacy concerns. Information sellers are distinguished from privacy guardians by prior experience of information provision, To the extent that businesses cannot observe an individual's prior experience, they must use indirect methods to induce segmentation by self-selection as suggested in classic economics literature of price discrimination, Businesses could use monetary rewards to attract information sellers to provide personal information. One step forward from the societal trends that emphasize the need of legal protection of information privacy, our study wants to encourage organizations and related authorities to have the viewpoints to consider both importance of privacy protection and the necessity of information trade for the growth of e-commerce.