• 제목/요약/키워드: Online Merchant

검색결과 20건 처리시간 0.024초

지속적 제품관여도와 소비자 요구신뢰수준 간의 영향관계: 인지된 위험의 매개 역할에 대한 실증분석을 중심으로 (The Mediating Role of Perceived Risk in the Relationships Between Enduring Product Involvement and Trust Expectation)

  • 홍일유;김태하;차훈상
    • Asia pacific journal of information systems
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    • 제23권4호
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    • pp.103-128
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    • 2013
  • When a consumer needs a product or service and multiple sellers are available online, the process of selecting a seller to buy online from is complex since the process involves many behavioral dimensions that have to be taken into account. As a part of this selection process, consumers may set minimum trust expectation that can be used to screen out less trustworthy sellers. In the previous research, the level of consumers' trust expectation has been anchored on two important factors: product involvement and perceived risk. Product involvement refers to the extent to which a consumer perceives a specific product important. Thus, the higher product involvement may result in the higher trust expectation in sellers. On the other hand, other related studies found that when consumers perceived a higher level of risk (e.g., credit card fraud risk), they set higher trust expectation as well. While abundant research exists addressing the relationship between product involvement and perceived risk, little attention has been paid to the integrative view of the link between the two constructs and their impacts on the trust expectation. The present paper is a step toward filling this research gap. The purpose of this paper is to understand the process by which a consumer chooses an online merchant by examining the relationships among product involvement, perceived risk, trust expectation, and intention to buy from an e-tailer. We specifically focus on the mediating role of perceived risk in the relationships between enduring product involvement and the trust expectation. That is, we question whether product involvement affects the trust expectation directly without mediation or indirectly mediated by perceived risk. The research model with four hypotheses was initially tested using data gathered from 635 respondents through an online survey method. The structural equation modeling technique with partial least square was used to validate the instrument and the proposed model. The results showed that three out of the four hypotheses formulated were supported. First, we found that the intention to buy from a digital storefront is positively and significantly influenced by the trust expectation, providing support for H4 (trust expectation ${\rightarrow}$ purchase intention). Second, perceived risk was found to be a strong predictor of trust expectation, supporting H2 as well (perceived risk ${\rightarrow}$ trust expectation). Third, we did not find any evidence of direct influence of product involvement, which caused H3 to be rejected (product involvement ${\rightarrow}$ trust expectation). Finally, we found significant positive relationship between product involvement and perceived risk (H1: product involvement ${\rightarrow}$ perceived risk), which suggests that the possibility of complete mediation of perceived risk in the relationship between enduring product involvement and the trust expectation. As a result, we conducted an additional test for the mediation effect by comparing the original model with the revised model without the mediator variable of perceived risk. Indeed, we found that there exists a strong influence of product involvement on the trust expectation (by intentionally eliminating the variable of perceived risk) that was suppressed (i.e., mediated) by the perceived risk in the original model. The Sobel test statistically confirmed the complete mediation effect. Results of this study offer the following key findings. First, enduring product involvement is positively related to perceived risk, implying that the higher a consumer is enduringly involved with a given product, the greater risk he or she is likely to perceive with regards to the online purchase of the product. Second, perceived risk is positively related to trust expectation. A consumer with great risk perceptions concerning the online purchase is likely to buy from a highly trustworthy online merchant, thereby mitigating potential risks. Finally, product involvement was found to have no direct influence on trust expectation, but the relationship between the two constructs was indirect and mediated by the perceived risk. This is perhaps an important theoretical integration of two separate streams of literature on product involvement and perceived risk. The present research also provides useful implications for practitioners as well as academicians. First, one implication for practicing managers in online retail stores is that they should invest in reducing the perceived risk of consumers in order to lower down the trust expectation and thus increasing the consumer's intention to purchase products or services. Second, an academic implication is that perceived risk mediates the relationship between enduring product involvement and trust expectation. Further research is needed to elaborate the theoretical relationships among the constructs under consideration.

전자상거래 시장 유형에 따른 거래협상 문서의 특성 및 구조에 관한 연구 (A Study of Characteristics and Structure of Negotiation Message using Electronic Commerce Market Classification)

  • 홍준석
    • 한국IT서비스학회지
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    • 제4권2호
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    • pp.79-97
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    • 2005
  • With the proliferation of EC, many customers have been participating into online auction or group-buying market over searching internet shopping-malls to purchase goods. To support the customer's convenient transaction, lots of agent systems are developed to facilitate the customer's product brokering, merchant brokering, and negotiation of transaction. However, many of these systems have focused upon supporting transaction at only one type of marketplace. Since these marketplaces have different transaction settlement mechanism, it is necessary to develop the system that utilizes the customer's transaction including the selection of the type of marketplace to buy. Then we classify the kinds of B2C electronic marketplace according to the protocol by which the market operated. The structure of negotiation message is developed using XML schema and RDFS under the characteristics and message example of each marketplace in this research.

Designing an Efficient and Secure Credit Card-based Payment System with Web Services Based on the ANSI X9.59-2006

  • Cheong, Chi Po;Fong, Simon;Lei, Pouwan;Chatwin, Chris;Young, Rupert
    • Journal of Information Processing Systems
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    • 제8권3호
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    • pp.495-520
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    • 2012
  • A secure Electronic Payment System (EPS) is essential for the booming online shopping market. A successful EPS supports the transfer of electronic money and sensitive information with security, accuracy, and integrity between the seller and buyer over the Internet. SET, CyberCash, Paypal, and iKP are the most popular Credit Card-Based EPSs (CCBEPSs). Some CCBEPSs only use SSL to provide a secure communication channel. Hence, they only prevent "Man in the Middle" fraud but do not protect the sensitive cardholder information such as the credit card number from being passed onto the merchant, who may be unscrupulous. Other CCBEPSs use complex mechanisms such as cryptography, certificate authorities, etc. to fulfill the security schemes. However, factors such as ease of use for the cardholder and the implementation costs for each party are frequently overlooked. In this paper, we propose a Web service based new payment system, based on ANSI X9.59-2006 with extra features added on top of this standard. X9.59 is an Account Based Digital Signature (ABDS) and consumer-oriented payment system. It utilizes the existing financial network and financial messages to complete the payment process. However, there are a number of limitations in this standard. This research provides a solution to solve the limitations of X9.59 by adding a merchant authentication feature during the payment cycle without any addenda records to be added in the existing financial messages. We have conducted performance testing on the proposed system via a comparison with SET and X9.59 using simulation to analyze their levels of performance and security.

리뷰에서의 고객의견의 다층적 지식표현 (Multilayer Knowledge Representation of Customer's Opinion in Reviews)

  • ;원광복;옥철영
    • 한국정보과학회 언어공학연구회:학술대회논문집(한글 및 한국어 정보처리)
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    • 한국정보과학회언어공학연구회 2018년도 제30회 한글 및 한국어 정보처리 학술대회
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    • pp.652-657
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    • 2018
  • With the rapid development of e-commerce, many customers can now express their opinion on various kinds of product at discussion groups, merchant sites, social networks, etc. Discerning a consensus opinion about a product sold online is difficult due to more and more reviews become available on the internet. Opinion Mining, also known as Sentiment analysis, is the task of automatically detecting and understanding the sentimental expressions about a product from customer textual reviews. Recently, researchers have proposed various approaches for evaluation in sentiment mining by applying several techniques for document, sentence and aspect level. Aspect-based sentiment analysis is getting widely interesting of researchers; however, more complex algorithms are needed to address this issue precisely with larger corpora. This paper introduces an approach of knowledge representation for the task of analyzing product aspect rating. We focus on how to form the nature of sentiment representation from textual opinion by utilizing the representation learning methods which include word embedding and compositional vector models. Our experiment is performed on a dataset of reviews from electronic domain and the obtained result show that the proposed system achieved outstanding methods in previous studies.

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The development model of PT Visionet Internasional (OVO) in Indonesia

  • Yuhang Xia;Yuming Liu;Myeongcheol Choi;Chuijie Meng;Haanearl Kim
    • International Journal of Advanced Culture Technology
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    • 제11권2호
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    • pp.125-131
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    • 2023
  • OVO is a digital platform that provides simple payments and smart financial services, as well as one of the largest digital payment platforms in Indonesia. It has wide coverage and security when making payments, and supports multiple settlement currencies. The purpose of this study is to explore the history, business model, and future strategic direction of OVO, an Indonesian e-wallet. To date, OVO has built its own mobile payment ecosystem covering a wide range of consumer scenarios including e-commerce, travel, offline shopping and finance. And it supports mobile banking, online banking, debit cards or selected partner merchants. Its three largest transaction categories are in the transportation, retail and e-commerce sectors. With over 110 million consumers and 1.3 million merchant users, it is one of the dominant e-wallets in Indonesian market and has become the country's e-payment market leader. OVO eWallet's 'One Card' model offers convenience and choice for users, thus contributing to the rapid growth of OVO eWallet. And OVO eWallet competes fiercely with other competitors, but OVO eWallet continues to grow in terms of the number of users and market share. Finally, this study analyzes the strategic goals and plans of OVO eWallet, predicts its future direction. OVO eWallet has a huge success, but there are still competition and challenges to face.

가맹점 결제 인프라 개선을 통한 모바일 결제 확대 방안 연구 : 블루투스(BLE) 기술 중심 (Study of Measures to Expand Mobile Payment by Enhancing the Payment Infrastructure for Merchant : Focus on Bluetooth Low Energy(BLE) Technology)

  • 복중효;김병수;김광용
    • 한국IT서비스학회지
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    • 제16권4호
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    • pp.33-46
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    • 2017
  • Increasing popularity of smartphone is creating many changes in payment market sector also. The new fin-tech and simple mobile payment service have provided convenience as well as various benefits and value-added services to create new payment culture. However, the infrastructure of offline shops is too poor for users to use the simple mobile payment services in Korea. There are several reasons why the support of simple mobile payment services by offline shops has reached the limit in Korea. They include the reluctance of shop owners due to highly priced devices, the failure of NFC of the leading offline payment infrastructure to support iOS, the services that are biased to the specific manufacturers and smartphones (Samsung Pay and LG Pay), prefer large shops (SSG Pay and L PAY), and focus on online transactions. This study used the Bluetooth technology that is the standard feature built in all smartphone to expand the offline shops that accept the simple mobile payment services ensuring universality and scalability from the convenience of customer's and service provider's aspects. Applying the same payment scene as the existing NFC payment method from the user's aspect and the Bluetooth technology from the service provider's aspect enables support of all smartphones and offering value-added services such as electronic receipt and promotions through the large-capacity bidirectional data transfer. This study is intended to review the simple mobile payment services in Korea and other countries, propose the simple mobile payment service model for Korea by analyzing the Bluetooth technology and preceding studies of payment services using BLE technology, and develop the pilot system using the BLE technology to verify the proposed system with actual shops.

아토피 피부염 영유아 이유식에 대한 인식조사 및 관련 웹 사이트 현황 평가 (Care Giver's Perceptions and Systematic Evaluation of Korean Websites about Baby Food for Atopic Dermatitis Infants)

  • 민성희
    • 한국식생활문화학회지
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    • 제25권4호
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    • pp.357-365
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    • 2010
  • The study surveyed care giver's perceptions of baby food and evaluated the quantitative and qualitative aspects of Korean websites related to the baby food for atopic dermatitis infants. Sources of care giver information about baby food were the internet (93%), clinics (57%), television (52%), oriental clinics (37%), and neighbors (6%). The five most commonly-used internet search engines (Daum, Google, Nate, Naver and Yahoo) were searched using the terms "atopic dermatitis", "weaning food" and "baby food". The searched websites included oriental medical clinics (38.8%), online merchant companies (13.4%), corporations (13.4%), medical clinics (11.9%), related associations (11.9%), public health centers (4.4%) and personal sites (4.4%). Website food and nutrition information included medical information about baby food for atopic dermatitis (92.6%), baby food for atopic dermatitis (67.6%), related community (58.8%), product information (32.4%) and baby food preparation for atopic dermatitis (23.5%). Qualitative evaluation was conducted based on the American Library Association website checklist; Website operator and information sources were provided for 62.7% and 38.8% of the websites, respectively. The purpose of a website was more explicitly stated in medical clinic sites than nonmedical sites. Only 24.2% of websites had a title that appropriately reflected the site's purpose. The majority (92.5%) of the sites were easy to read and understand. Information was judged to be sufficient in 65% of the medical sites and 74.1% of non-medical sites. A feedback menu and search function were enabled in 85.1% and 28.4% of the sites, respectively. The mean score for quality grade was 14.64 (range 9-19). In conclusion, in order to improve the information of baby food for atopic dermatitis infants in websites, accurate information by experts and continuing monitoring are highly required.

SNS에서 제휴마케팅 관점의 클릭의도에 영향을 주는 요인과 연대강도의 조절효과 (Determinants of Click-Through Intention as Affiliate Marketing and the Moderating Effect of Tie Strength in SNS)

  • 목혜민;주재훈
    • 경영정보학연구
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    • 제15권3호
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    • pp.89-110
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    • 2013
  • 제휴마케팅으로 웹에서의 콘텐트 제공자가 수익을 창출할 수 있게 되었다. 그러나 콘텐트 제공자는 웹 사이트를 구축하여 일정 수준 이상의 고객을 끌어들이는데 어려움을 겪어왔다. 최근 SNS가 활성화되면서 누구나 쉽게 콘텐트 제공자가 될 수 있게 되었고, 자신의 SNS에 광고를 게재하고 제휴마케팅을 통해 수익을 창출하는 것이 용이하게 되었다. 본 연구에서는 트위터와 같은 마이크로블로그 기반 SNS에서 제휴마케팅에 영향을 주는 요인을 분석하였으며, 구성원들간의 연대관계가 이들 영향변수와 제휴마케팅 간에 조절역할을 하는지를 조사하였다. 실증분석에서는 제휴마케팅의 대용 변수로 클릭의도를 사용하였다. 실증분석을 통한 연구결과는 다음과 같다: 첫째, 마이크로블로그 기반 SNS의 보안 서비스, 커뮤니티 소통지원 서비스, 내비게이션 서비스, 콘텐트 품질은 클릭의도에 긍정적 영향을 미친다. 둘째, 마이크로블로그 기반 SNS에서 구성원들 간의 연대(연결강도)는 콘텐트 품질과 클릭의도간의 관계에서 조절역할을 한다. 약한 연대 그룹일수록 콘텐트 품질이 클릭의도에 긍정적 영향을 미친다. 끝으로 본 연구에서는 이들 연구결과가 주는 함의를 연구자와 실무자 관점에서 제시하였다.

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MORPHEUS: 확장성이 있는 비교 쇼핑 에이전트 (MORPHEUS: A More Scalable Comparison-Shopping Agent)

  • 양재영;김태형;최중민
    • 한국정보과학회논문지:소프트웨어및응용
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    • 제28권2호
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    • pp.179-191
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    • 2001
  • 비교 쇼핑은 웹 상에 존재하는 웹 상점으로부터 구매를 원하는 상품에 대해 저렴한 가격을 찾아주는 일종의 판매자 중개 방법이다. 보다 쉽게 확장 가능한 비교 쇼핑 시스템을 생성하기 위해서 에이전트는 각각의 준 구조화된 상점으로부터 필요한 정보만을 추출할 수 있는 wrapper를 자동으로 생성해낼 수 있어야 한다. 웹 문서를 작성하기 위한 HTML은 포함하고 잇는 정보의 의미가 아닌 브라우저를 통한 정보의 표현에 대해서만 정의하고 있다. 또한 각 웹 상점들은 사용자의 다양한 상품 검색 요구를 수용하기 위해 다양한 상품 검색 방법과 검색 결과의 출력 형태를 가진다. 따라서 자동으로 필요한 정보만을 추출하는 wrapper의 생성은 어려운 작업이다. wrapper의 귀납적인 생성은 이러한 이질적인 환경을 극복하기 위한 기술이다. 그러나 Shopbot과 같은 기존의 확장 가능한 비교 쇼핑 에에전트는 원하는 상품 정도를 추출하기 위해 강한 바이어스에 의존한다. 따라서 Shopbot은 바이어스를 따르지 않는 많은 웹 상점으로부터 wrapper를 생성할 수 없다. 본 논문에서는 강한 바이어스를 사용하지 않고 wrapper를 생성해 낼 수 있는 비교 쇼핑 에이전트 시스템인 모피우스를 제안한다. 모피우스는 간단하면서도 견고한 학습 알고리즘을 바탕으로 wrapper를 생성한다. 제안하는 학습 알고리즘의 핵심은 상품 검색 결과를 논리적 라인으로 나누고 여기서 나타나는 상품 설명 단위의 패턴으로 wrapper를 생성하는 것이다. 모피우스 대부분의 웹 상점에 대한 wrapper를 정확하게 생성해 낸다. 또한 학습하려는 검색 결과에 노이즈가 존재하는 경우에도 wrapper를 정확하게 추출할 수 있다. 모피우스는 헤더나 광고와 같은 불필요한 정보들을 제거하는 별도의 단계를 거치지 않으므로 wrapper를 빠르게 생성한다. 궁극적으로 모피우스는 새로운 웹 상점을 사용자가 자유롭게 추가, 삭제할 수 있는 환경을 제공한다.

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인터넷 오픈마켓 거래안전 요인과 소비자신뢰의 관계 연구 (A Study on Consumer Trust Building in an Internet Marketplace)

  • 이기헌
    • CRM연구
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    • 제1권1호
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    • pp.23-48
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    • 2006
  • 본 연구는 우리나라 전자상거래 업계에서 새로운 업태로 급격하게 성장하고 있는 인터넷 오픈마켓기업이 고객의 신뢰도 확보를 위하여 갖추어야 할 전략적 요소는 무엇인지 파악하고자 실시되었다. 소비자들이 오픈마켓의 명성과 평판을 보고 거래에 참가하지만, 실제 거래는 인지도나 만족도가 낮은 중소규모의 판매자 또는 일부 프로 슈머와 거래해야 된다는 점에서 판매자의 신뢰확보 여부가 오픈마켓 성패의 중요한 요소가 될 것이다. 연구결과, 오픈마켓에 참가하는 소비자가 구매과정에서 경험한 만족도는 7점 척도기준 4.23으로 비교적 낮은 수준이었으며, 거래의 안전성 확보를 위하여 중요하게 인식하는 요인은 (1) 사후적 피해보상의 가능성 (2) 상품품 질 및 브랜드의 진정성 (3) 상품의 신속 정확한 배송 (4) 상품가격 및 품질 등 선택정보 제공 등으로 나타났다. 이러한 요인들과 판매자의 신뢰도와의 관계를 회귀분석한 결과 양자의 관계는 매우 유의한 것으로 나타나 이러한 요인들이 충족될 경우 판매자에 대한 소비자의 신뢰도가 향상될 것으로 나타났다. 따라서 오픈마켓 기업은 소비자 신뢰확보를 위하여 판매자에 대한 소비자의 신뢰 확보를 위하여 지속적인 관계마케팅, 고객관계 관리 전략이 필요한 것으로 판단된다.

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