• 유통과학연구
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• 제21권11호
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• pp.67-75
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• 2023

Purpose: The study is focused on understanding consumer behaviour related to credit card use in retail payment or identifying factors that influence risk perception. Research design, data and methodology: Based on data collecting from structured self-administered questionnaires of 247 Vietnamese bank account payers, this study uses the Cronbach alpha analysis, the factor analyses, the structural equation modeling to assess the research's measurement model and structural model with the presence of knowledge, propensity to trust, self-efficacy, risk perception, intended use and their complex, intertwined relationships. Results: The results reveal that customer's perceived risk, which is affected by their self-efficacy and propensity to trust, negatively impact on their intended use of credit cards in retail payment. However, there is no evidence of the significant influence of consumer knowledge on how they assess potential losses of credit card. Conclusions: These findings provide a better understanding of consumer risk perception, its antecedents and consequence in a direction of credit card adoption. Bank managers or marketers should focus on increasing the information about credit cards and issues related to credit card use in retail payment, promoting mechanisms to encourage customers to participate in the credit card experience.

• 한국IT서비스학회지
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• 제14권4호
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• pp.171-184
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• 2015

Nowadays, mobile commerce is having an increasingly profound impact on our daily lives, and offer interesting and advantageous new services. Mobile payment is an emerging and important application of mobile commerce in smart work, enabling users to use their mobile devices (especially mobile phones) for paying goods and services wherever they go. The appearance of m-payment is expected to provide us a convenient and bright future to enjoy. That is the common trend on over the world, but in Vietnam, although the number of smart phone users has been increasing rapidly, the adoption of m-payment system still didn't succeed completely. The research reviewed literature regarding mobile payment services, analyzed the impact of customer characteristics and system characteristics on m-payment adoption in Vietnam. To analyze the adoption behaviors of m-payment users, m-payment research model which consists of three customer-characteristics (m-payment trust, personal innovativeness, m-payment knowledge) and four m-payment system characteristics (mobility, reachability, convenience, compatibility) were studied. The results indicate that perceived usefulness, trust, and compatibility are the important predictors to the intention to use m-payment. This study will assist m-payment services suppliers in implementing appropriate business models and service strategies to successfully attract customer to use m-payment in Vietnam, allowing managers to exert appropriate investment, time, and effort for m-payment system development in designing smart working.

• 가정과삶의질연구
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• 제23권2호
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• pp.77-91
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• 2005

The purpose of this study is to investigate general tendencies in credit card use, and determine the causes of the use of cash advance service and deferred payment among college students. Socio-demographic variables(gender, year in college, allowance, family income, parents' education and occupation, having taken a personal financial management course), knowledge and attitudes toward credit card, and financial management practices were incorporated as antecedent variables. Logistic regression analysis and multiple regression analysis were conducted to test the hypotheses. The results were as follows ; First, $32\%$ of the college students with no regular income experienced deferred payment, and $60.4\%$ of them had used a cash advance service. Second, the frequency and amount of cash advance service use were affected by family income, financial practices, and allowance. The financial practice as a parameter was affected by their completion of a personal finance course and their allowance. Third, deferred payment of credit was affected by their knowledge on credit cards and their financial practices. The financial practices as a parameter were affected by the family income and their completion of a personal finance course, and the knowledge on credit cards was affected by gender. Lastly, implications and suggestions for credit card use behavior research and consumer credit education are discussed in this article.

• 한국정보시스템학회지:정보시스템연구
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• 제22권4호
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• pp.85-115
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• 2013

Digital knowledge and information goods as experience goods have some unique characteristics such as close to zero reproduction and distribution cost, high price volatility, and low price acceptability. For the reasons, the pricing policies of digital knowledge goods are very difficult and complicate. Also, most consumers of digital goods have experienced cognitive dissonance after buying decision. The purpose of this paper is to investigate what factors affect the price acceptability level and cognitive dissonance of digital knowledge goods buyers. This paper suggest a structural model that was established by the cognitive dissonance theory and S-O-R(Stimulus-Organization-Response) model. The model is consisted of four exogenous variables and three endogenous variables. The empirical test and statistical analysis suggest following results and practical implications. The variables such as product involvement and perception of price fairness that have positive roles to price acceptability have strong influence on the all the three endogenous variables. But the variables such as sale proneness and price mavenism that have negative roles to price acceptability have little influence on the all the three endogenous variables. In the model, the payment intention was very important mediating variable between exogenous variables and two dependent variables, ie. price acceptability and cognitive dissonance. These results imply that the digital knowledge portals must have some differentiated pricing policies to the customers who have price consciousness and price mavenism. Also, they need some special promotions to whom have positive attitude to the value of digital goods.

• 한국정보시스템학회지:정보시스템연구
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• 제26권4호
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• pp.303-325
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• 2017

Purpose The purpose of this study is to forage for the factors for explaining the adoption behavior of the mobile convenient payment system based on the Personality Trait, Unified Theory of Acceptance and Use of Technology, and Regulatory focus. Design/methodology/approach This study made a design of the research model by integrating the factors of Unified Theory of Acceptance and Use of Technology with the factors of Big five personality traits on the basis of Samrt device environment. In addition, this study, did empirical analysis of the structural equation model by PLS(Partial Least Squares) in order to find out the relationship of personal factors and mobile convenient payment system's features. Findings According to the empirical analysis result, this study confirmed that the acceptance of mobile convenient payment systems is influence by personality traits and factors based on Unified Theory of Acceptance and Use of Technology and trust. In addition, this study find out that the behavior of an adoption of mobile convenient payment systems according to the type of regulatory focus.

• 지식경영연구
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• 제19권4호
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• pp.187-201
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• 2018

This paper explores the potential of Blockchain technology in enabling a panacea for health equity. Since Satoshi Nakamoto first described Blockchain technology in 2008 pseudonymous paper, that distributed ledger system is empowered and ranging from finance to law to another sector and beyond. Also impacting healthcare sector and life science. In other words, there are many usage cases being researched in healthcare and Blockchain has shown its considerable special side in recent years. But this paper aims to the distributed ledger that is the special side of Blockchain technology is potentially can panacea for some global health equity issues such as patient data, counterfeit drug and hospital payment management.

• 정보처리학회논문지:컴퓨터 및 통신 시스템
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• 제2권3호
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• pp.133-142
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• 2013

최근 스마트 기기는 결제, 할인쿠폰 등 각종 기능을 제공하는 수단으로 진화되면서 통신과 금융이 융합된 모바일 NFC 서비스의 시장이 급성장할 것으로 전망되고 있다. 특히 모바일 NFC 결제 서비스 시장의 활성화가 예상됨에 따라 모바일 NFC 결제 서비스는 국내 외적으로 널리 주목받고 있다. 하지만 이에 따른 NFC 기술 활용 증가로 개인정보 이용이 늘면서 침해요소 또한 증가하고 있다. 최근 한국인터넷진흥원에서 발표한 "NFC 개인정보보호 대책 최종보고서"에 따르면 개인정보 암호화를 부분적으로 미지원하거나 불필요한 개인정보의 과도한 수집 및 저장 등이 문제점으로 제기되었으며 Google사의 Google Wallet 서비스의 개인정보 유출 사고 또한 이러한 문제점을 뒷받침하는 근거가 되고 있다. 본 논문에서는 기존에 서비스되고 있는 NFC 모바일 결제 서비스 상에서 결제정보의 이동 경로 별 결제 기술의 위협을 분석하고 OTA(Over the Air) 상에서 안전한 정보교환을 위한 NTRU 기반 상호인증 기법과 사용자와 은행 간의 결제 단계에서 결제정보를 직접적으로 사용하지 않고 결제자를 증명할 수 있는 NTRU기반 영지식 증명 기법에 대해 제안한다.

• 한국조리학회지
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• 제10권2호
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• pp.135-148
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• 2004

Research there is a place objective which searches the importance of physical environment. Namely, there is a place objective which defines the effect relationship of physical environment and payment price. The analysis result physical environment appeared in 6 items. (interia, hygiene, illumination, the color body and atmosphere, space, movement and the command installation). The item which causes a big effect in price appeared with the interia and atmosphere. The upgrade of the interia and atmosphere of the restaurant increases the price it will be able to pay letting with the customer is judged with the fact that role. Currently the restaurant service or importance of specialty knowledge of the work unit field is embossed. But, the customer pays an expense and the item which is important it will be able to create a value is showing is physical environment.

• 지식경영연구
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• 제23권2호
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• pp.143-168
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• 2022

본 연구는 Herzberg의 동기-위생이론을 이용하여 모바일 안면인식결제서비스의 수용 및 저항에 미치는 영향과, 사용자의 혁신성이 동기요인과 위생요인에서 수용과 저항에 미치는 영향 또한 조사하였다. 모바일 결제서비스 이용 경험이 있는 중국의 사용자를 대상으로 설문조사를 하였으며, 통계 분석은 IBM SPSS Statistics 26과 SmartPLS 3.0을 이용하였다. 분석결과, 모바일 안면인식결제서비스의 동기요인은 수용에 정(+)의 영향을 미치고 있으며, 저항에는 유의한 결과가 나타나지 않았다. 또한 위생요인은 수용에서는 부(-)의 영향을, 저항에는 정(+)의 영향을 미치는 것으로 나타났다. 매개변수인 사용자 혁신성은 동기요인과 수용에서는 완전매개효과를, 위생요인과 저항에서는 부분매개효과가 있었다. 연구결과를 통해 발견된 동기 요인인 신속성, 편재성, 지각된 유용성, 지각된 사용용이성, 비접촉성과 위생 요인인 프라이버시 염려, 보안성, 현상유지관성, 사용장벽, 손실회피성은 모바일 안면인식결제서비스의 활성화를 위한 기초자료로 사용될 수 있을 것으로 판단한다.

• 한국콘텐츠학회:학술대회논문집
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• 한국콘텐츠학회 2006년도 춘계 종합학술대회 논문집
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• pp.227-230
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• 2006

지식정보사회에서 지식정보 자원이 국가 경쟁력의 기반이 되고 있다. 이러한 국가 지식정보자원을 체계적으로 디지털화하고, 지속적인 자원의 관리 및 활용을 위해 지식정보자원의 유료화 필요성이 제기되고 있다. 본 연구는 과학기술분야 지식정보 자원의 유료화 방안을 제시하고, 유료화 데이터베이스에 대한 과금방식, 정보이용료, 결제방식을 도출하여 유료화 시스템을 구축하였다.