• Title/Summary/Keyword: Intention to provide MyData

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Factors Influencing Individual's Intention to Provide MyData: Focusing on the Moderating Effects of Individual Capabilities and Institutional Type (개인의 마이데이터 제공의도에 영향을 미치는 요인: 개인역량과 기관유형의 조절효과를 중심으로)

  • Dong Keun Park;Sung-Byung Yang;Sang-Hyeak Yoon
    • Knowledge Management Research
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    • v.24 no.1
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    • pp.73-97
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    • 2023
  • Recently, the MyData market has been growing as the importance of data and issues related to personal information protection have drawn much attention together. MyData refers to the concept of guaranteeing an individual's right to personal information and providing and utilizing one's data according to individual consent. MyData service providers can combine and analyze customer information to provide personalized services. In the early days, the MyData business was activated mainly by private companies and the financial industry, but recently, public institutions are also actively taking advantage of MyData. Meanwhile, the importance of an individual's intention to provide MyData for the success of MyData businesses continues to increase, but research related to this is lacking. Moreover, existing studies have been mainly conducted on individual benefits of MyData; there are not enough studies in which both public benefit and perceived risk factors are considered at the same time. In this regard, this study intends to derive factors affecting the intention to provide MyData based on the privacy calculus model, examine their influencing mechanism, and further verify the moderating effects of individual capabilities and institutional type. This study can find academic significance in that it expanded and demonstrated the privacy calculus model in the context of MyData providing intention. In addition, the results of this study are expected to offer practical guidelines for developing and managing new services in MyData businesses.

Effects of MyData Service Attributes on Intention to Use (마이데이터 서비스 속성이 이용의도에 미치는 영향)

  • Kim, Soo-Hyun
    • The Journal of the Korea Contents Association
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    • v.22 no.10
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    • pp.271-278
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    • 2022
  • MyData service integrates and manages user's personal data such as finance, credit, etc, and is expected to provide useful information to the user as personal data in various fields are gradually integrated. Discovering factors that affect the intention to use of MyData service is a very important topic for understanding that service. To this end, in this study, the attributes of the MyData service were derived, and the derived service attributes were grouped together by using factor analysis. As a result, we found four factors such as "convenience", "usefulness", "security", and "control". After that, we established our research model to analyze the causal relationship between these four factors and the intention to use of MyData service. According to the analysis results, among the factors of the MyData service attribute, "convenience", "usefulness", and "control" had a significant effect, and "security" did not have a significant effect. In particular, it was confirmed that "control" had the greatest influence on the intention to use. This study suggests that MyData service provider need to make users recognize they are controlling their data and develop services that provide various benefits to users.

Motivating Factors for Providing Personal Data in MyData Services: The Moderating Effect of Perceived Personal Information Self-Determination (마이데이터 서비스 이용을 위한 개인정보제공 동기 요인: 개인정보자기결정권 인지 수준의 조절효과)

  • Hyeonjeong Kim;Soohyun Kwon;Jeongu Choi;Beomsoo Kim
    • Knowledge Management Research
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    • v.25 no.2
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    • pp.219-243
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    • 2024
  • This study investigates the impact of privacy concerns, perceived utility, and awareness of the right to personal data self-determination on the effective use and expansion of MyData services, which are critical to the data economy. Integrating the value-based adoption model with privacy calculus theory, the research examines how perceived utility, privacy concerns, trust, and personal innovativeness influence perceived value, perceived privacy, and the intention to provide personal information. Data collected from an online survey of 442 MyData service users and prospective users were analyzed using PLS-SEM and Bootstrapping methods via SmartPLS 4. The results indicate that perceived utility positively affects the intention to provide personal information, while privacy concerns have a negative impact. Trust and personal innovativeness positively influence the intention to adopt MyData services, and the awareness of personal data self-determination rights moderates these intentions. The findings underscore the importance of developing beneficial services that mitigate users' privacy concerns and build trust for the successful implementation of MyData services. Additionally, the study highlights the need for education and awareness campaigns to enhance understanding of the right to personal data self-determination.

The Relationship between Financial Mydata Service Characteristics and Intention to Use: The Moderating Effects of Innovativeness and Technology Security (금융 마이데이터 서비스 특성과 수용의도의 관계: 개인혁신성과 기술적 보안성의 조절효과)

  • Changyong Sohn;Hyunsun Park;Sanghyun Kim
    • Knowledge Management Research
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    • v.23 no.4
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    • pp.133-157
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    • 2022
  • As data becomes a new core resource with high attention, MyData service is spreading to various fields such as finance, medical care, and the public sector. However, research on the behavior of MyData service users is insufficient. Therefore, this study aims to empirically examine the effect of MyData service traits on value perception and acceptable behavior particularly in the financial sector where MyData service is most active. To this end, this study proposed a research model based on the literature. 295 survey responses were collected from individuals and analyzed using AMOS 26.0 for hypothesis testing. As a result of the analysis, it was found that self-information control, financial convenience, and personalized service had a significant effect on perceived value, and that perceived value had a significant effect on the intention to accept MyData service. Furthermore, this study examined the role of personal innovation and technological security in the relationship between variables by suggesting them as moderators. Results show that individual innovation was found to strengthen the relationship between two variables(self-information control and personalized service) and perceived value. Also, technological security was shown to strengthen the relationship between perceived value and intention to accept financial MyData services. The findings are expected to provide useful information to understand the factors affecting the acceptance of financial MyData service users and to understand the importance of individual innovation levels and technological security.

A Study on the Intention to Use Personal Financial Product Recommendation MyData Service (금융상품 비교/추천 마이데이터 서비스 이용 의도에 관한 연구)

  • Sung Hoon Cho;Jung Sook Jin;Joo Seok Park
    • The Journal of Bigdata
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    • v.7 no.2
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    • pp.173-193
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    • 2022
  • With the revision of the Data 3 Act, the financial MyData industry was created newly. MyData services collect the financial customers' data scattered in various financial companies and provide personalized services such as personal financial product recommendation, personal expenditure advice, etc. Although MyData service started in 2022, but the use of the service has not been significantly activated. This study attempted to analyze the factors affecting the use of MyData services from the perspective of financial consumers through VAM, UTAUT2 model. The factors related to the perceived value and intention to use MyData services of financial consumers were verified using benefit and sacrifice variables. Personal Innovativeness was used as a moderating variable. As a result of this study, it was found that personal product recommendation service has an important influence on the use of MyData services, and personal innovativeness has an effect as a modulating variable. It can be said that it is meaningful as a preceding study in terms of timing because it studied the perceived value of consumers less than a year after the MyData service began. From the practical perspectives, it was possible to show the change direction and marketing points of the MyData service. In practice, it was possible to confirm the direction of the service and the marketing point.

U.S. Baby Boomers' Intention to Move and Reasons for Moving after Retirement (은퇴 후 주거이동 의사가 있는 미국 베이비붐 세대의 주거이동 요인분석)

  • Kwon, Hyun Joo
    • Journal of the Korean housing association
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    • v.25 no.5
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    • pp.73-82
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    • 2014
  • The purpose of this study is to identify U.S. Baby Boomers' intention to move and their reasons for moving after retirement, and to examine the associations between their socio-demographic characteristics and housing characteristics, and their reasons for moving after retirement factors. A total of 403 usable data were collected through an online survey using a self-administrated questionnaire. For data analyses, descriptive statistics, factor analysis, t-test, and ANOVA were used. Almost 30% of the total respondents considered moving and 15% were strongly agreed to move after their retirement. The most frequently mentioned reasons for moving after retirement were 'a place with good weather', 'being close to leisure activities', and 'a change or decline of my current neighborhood'. Four factors of reasons for moving after retirement (quality of residential environment, need assistant, proximity to activities, and proximity to family/friends) were identified. Age, marital status, number of household, housing type, homeownership, length of residence, and number of bedroom were significantly associated with the four factors of reasons for moving. The results of this study provide a better understanding to U.S. Baby Boomers' housing behavior after retirement which is 10 years faster than Korea, and suggest insights of housing plan for Korean older adults.

Development of Tourism Information Named Entity Recognition Datasets for the Fine-tune KoBERT-CRF Model

  • Jwa, Myeong-Cheol;Jwa, Jeong-Woo
    • International Journal of Internet, Broadcasting and Communication
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    • v.14 no.2
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    • pp.55-62
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    • 2022
  • A smart tourism chatbot is needed as a user interface to efficiently provide smart tourism services such as recommended travel products, tourist information, my travel itinerary, and tour guide service to tourists. We have been developed a smart tourism app and a smart tourism information system that provide smart tourism services to tourists. We also developed a smart tourism chatbot service consisting of khaiii morpheme analyzer, rule-based intention classification, and tourism information knowledge base using Neo4j graph database. In this paper, we develop the Korean and English smart tourism Name Entity (NE) datasets required for the development of the NER model using the pre-trained language models (PLMs) for the smart tourism chatbot system. We create the tourism information NER datasets by collecting source data through smart tourism app, visitJeju web of Jeju Tourism Organization (JTO), and web search, and preprocessing it using Korean and English tourism information Name Entity dictionaries. We perform training on the KoBERT-CRF NER model using the developed Korean and English tourism information NER datasets. The weight-averaged precision, recall, and f1 scores are 0.94, 0.92 and 0.94 on Korean and English tourism information NER datasets.

Typology of Korean Eco-sumers: Based on Clothing Disposal Behaviors (관우한국생태학적일개예설(关于韩国生态学的一个预设): 기우복장탑배적행위(基于服装搭配的行为))

  • Sung, Hee-Won;Kincade, Doris H.
    • Journal of Global Scholars of Marketing Science
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    • v.20 no.1
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    • pp.59-69
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    • 2010
  • Green or an environmental consciousness has been a major issue for businesses and government offices, as well as consumers, worldwide. In response to this movement, the Korean government announced, in the early 2000s, the era of "Green Growth" as a way to encourage green-related business activities. The Korean fashion industry, in various levels of involvement, presents diverse eco-friendly products as a part of the green movement. These apparel products include organic products and recycled clothing. For these companies to be successful, they need information about who are the consumers who consider green issues (e.g., environmental sustainability) as part of their personal values when making a decision for product purchase, use, and disposal. These consumers can be considered as eco-sumers. Previous studies have examined consumers' purchase intention for or with eco-friendly products. In addition, studies have examined influential factors used to identify the eco-sumers or green consumers. However, limited attention was paid to eco-sumers' disposal or recycling behavior of clothes in comparison with their green product purchases. Clothing disposal behaviors are ways that consumer can get rid of unused clothing and in clue temporarily lending the item or permanently eliminating the item by "handing down" (e.g., giving it to a younger sibling), donating, exchanging, selling, or simply throwing it away. Accordingly, examining purchasing behaviors of eco-friendly fashion items in conjunction with clothing disposal behaviors should improve understanding of a consumer's clothing consumption behavior from the environmental perspective. The purpose of this exploratory study is to provide descriptive information about Korean eco-sumers who have ecologically-favorable lifestyles and behaviors when buying and disposing of clothes. The objectives of this study are to (a) categorize Koreans on the basis of clothing disposal behaviors; (b) investigate the differences in demographics, lifestyles, and clothing consumption values among segments; and (c) compare the purchase intention of eco-friendly fashion items and influential factors among segments. A self-administered questionnaire was developed based on previous studies. The questionnaire included 10 items of clothing disposal behavior, 22 items of LOHAS (Lifestyles of Health and Sustainability) characteristics, and 19 items of consumption values, measured by five-point Likert-type scales. In addition, the purchase intention of two eco-friendly fashion items and 11 attributes of each item were measured by seven-point Likert type scales. Two polyester fleece pullovers, made from fabric created from recycled bottles with the PET identification code, were selected from one Korean brand and one US imported brand among outdoor sportswear brands. A brief description of each product with a color picture was provided in the survey. Demographic variables (i.e., gender, age, marital status, education level, income, occupation) were also included. The data were collected through a professional web survey agency during May 2009. A total of 600 final usable questionnaires were analyzed. The age of respondents ranged from 20 to 49 years old with a mean age of 34 years. Fifty percent of the respondents were males and about 58% were married, and 62% reported having earned university degrees. Principal components factor analysis with varimax rotation was used to identify the underlying dimensions of the clothing disposal behavior scale, and three factors were generated (i.e., reselling behavior, donating behavior, non-recycling behavior). To categorize the respondents on the basis of clothing disposal behaviors, k-mean cluster analysis was used, and three segments were obtained. These consumer segments were labeled as 'Resale Group', 'Donation Group', and 'Non-Recycling Group.' The classification results indicated approximately 98 percent of the original cases were correctly classified. With respect to demographic characteristics among the three segments, significant differences were found in gender, marital status, occupation, and age. LOHAS characteristics were reduced into the following five factors: self-satisfaction, family orientation, health concern, environmental concern, and voluntary service. Significant differences were found in the LOHAS factors among the three clusters. Resale Group and Donation Group showed a similar predisposition to LOHAS issues while the Non-Recycling Group presented the lowest mean scores on the LOHAS factors compared to the other segments. The Resale and Donation Groups described themselves as enjoying or being satisfied with their lives and spending spare-time with family. In addition, these two groups cared about health and organic foods, and tried to conserve energy and resources. Principal components factor analysis generated clothing consumption values into the following three factors: personal values, social value, and practical value. The ANOVA test with the factors showed differences primarily between the Resale Group and the other two groups. The Resale Group was more concerned about personal value and social value than the other segments. In contrast, the Non-Recycling Group presented the higher level of social value than did Donation Group. In a comparison of the intention to purchase eco-friendly products, the Resale Group showed the highest mean score on intent to purchase Product A. On the other hand, the Donation Group presented the highest intention to purchase for Product B among segments. In addition, the mean scores indicated that the Korean product (Product B) was more preferable for purchase than the U.S. product (Product A). Stepwise regression analysis was used to identify the influence of product attributes on the purchase intention of eco product. With respect to Product A, design, price and contribution to environmental preservation were significant to predict purchase intention for the Resale Group, while price and compatibility with my image factors were significant for the Donation Group. For the Non-Recycling Group, design, price compatibility with the factors of my image, participation to eco campaign, and contribution to environmental preservation were significant. Price appropriateness was significant for each of the three clusters. With respect to Product B, design, price and compatibility with my image factors were important, but different attributes were associated significantly with purchase intention for each of the three groups. The influence of LOHAS characteristics and clothing consumption values on intention to purchase Products A and B were also examined. The LOHAS factor of health concern and the personal value factor were significant in the relationships with the purchase intention; however, the explanatory powers were low in the three segments. Findings showed that each group as classified by clothing disposal behaviors showed differences in the attributes of a product, personal values, and the LOHAS characteristics that influenced their purchase intention of eco-friendly products. Findings would enable organizations to understand eco-friendly behavior and to design appropriate strategic decisions to appeal eco-sumers.

A Survey on the Perception of Companion Plants for Eco-Friendly Urban Agriculture among Urban Residents

  • Hong, In-Kyoung;Yun, Hyung Kwon;Jung, Young-Bin;Lee, Sang-Mi
    • Journal of People, Plants, and Environment
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    • v.24 no.1
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    • pp.17-27
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    • 2021
  • Background and objective: This study was conducted as part of research to promote garden diversity and seek sustainable garden management plans, as well as to determine the trends in understanding and use of companion plants as an eco-friendly farming method and provide the results as the basic data for sustainable urban agriculture. Methods: To determine the trends in garden activities, eco-friendly pest control, and use of companion plants, a survey was conducted on 230 urban residents participating in the Urban Agriculture Expert course. 223 copies of the questionnaire were collected excluding missing values, and IBM SPSS statistics Ver. 25 Program was used for frequency analysis, descriptive statistics, and regression analysis. Results: Most of the respondents were female (71.3%), homemakers (26.5%), were in their 50s (29.1%), and had 2 members in the family (27.8%). 164 respondents (73.5%) had experience in gardening, most of them once a week (31.7%) and for self-consumption (55.5%). Both men and women raised crops for safe food production (32.3%), and they most preferred the city garden type (39.9%). For the preparation of nourishment for eco-friendly garden management, most respondents (60.1%) purchased fertilizers from the market. For the reason why eco-friendly pest control is necessary, all respondents except 4 of them (98.2%) responded that it is necessary 'because it affects my health as I eat it (73.5%)', indicating that they still had a high level of interest in health. Only 43.9% of the respondents said that they had heard of companion plants, 89.2% responded that companion plants were effective in eco-friendly management, and 87.4% showed the will to participate in gardening using companion plants in the future. Finally, the regression analysis confirmed that the awareness of companion plants and satisfaction with gardening activities are key variables that increase the intention to participate in gardening activities in the future. Conclusion: Since plants require special care depending on the period and various diseases and insect pests occur, there must be continuous research on companion plants as an eco-friendly farming method. Moreover, by actively using companion plants in urban gardens with the utility value in not only eco-friendly pest control but also in helping plant growth, urban agriculture is expected to be continuously activated and promoted by increasing satisfaction in gardening activities with aesthetic landscaping and pest control.