• Title/Summary/Keyword: User Trust

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The Influence of Characteristics of Local Government Web-sites on User Satisfaction and Trust (자치단체 웹사이트의 특성이 사용자 만족과 신뢰에 미치는 영향)

  • Song, Ju Hyun;Park, Jong Hun
    • Journal of Korean Society of Industrial and Systems Engineering
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    • v.42 no.3
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    • pp.39-51
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    • 2019
  • This paper is an exploratory study to investigate the influence of characteristics of local government web-sites on user satisfaction and trust. The objective of this research is to identify the characteristics of local government web-sites influencing on user satisfaction and trust, and determine how they affect user satisfaction and trust. From the literature review, we identify four characteristics which are expected to influence on user satisfaction: technical, information, customer-oriented, and work-performing characteristics. In addition, we develop research model that the four characteristics are expected to affect user satisfaction and trust via users' perceived values. The results of the research are as follows. The technical, customer-oriented, and work-performing characteristics significantly affects perceived values, which significantly affected user satisfaction and trust. Perceived value is partially mediated by user satisfaction in affecting user trust. The characteristics of local government web-sites affecting perceived values differed partially by the purpose of visitor. As for the personal goal, the technical, customer-oriented, and work-performing characteristics significantly affect perceived values, with the technical and customer-oriented characteristics having more significant effects. As for the business goal, the technical, information, work-performing characteristics significantly affected perceived values, with information characteristics having more significant effects.

User Factors and Trust in ChatGPT: Investigating the Relationship between Demographic Variables, Experience with AI Systems, and Trust in ChatGPT (사용자 특성과 ChatGPT 신뢰의 관계 : 인구통계학적 변수와 AI 경험의 영향)

  • Park Yeeun;Jang Jeonghoon
    • Journal of Korea Society of Digital Industry and Information Management
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    • v.19 no.4
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    • pp.53-71
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    • 2023
  • This study explores the relationship between various user factors and the level of trust in ChatGPT, a sophisticated language model exhibiting human-like capabilities. Specifically, we considered demographic characteristics such as age, education, gender, and major, along with factors related to previous AI experience, including duration, frequency, proficiency, perception, and familiarity. Through a survey of 140 participants, comprising 71 females and 69 males, we collected and analyzed the data to see how these user factors have a relationship with trust in ChatGPT. Both descriptive and inferential statistical methods, encompassing multiple linear regression models, were employed in our analysis. Our findings reveal significant relationships between user factors such as gender, the perception of prior AI interactions, self-evaluated proficiency, and Trust in ChatGPT. This research not only enhances our understanding of trust in artificial intelligence but also offers valuable insights for AI developers and practitioners in the field.

A Research on Information Security Risk-based Antecedents Influencing Electronic Commerce User's Trust (전자상거래 사용자의 신뢰에 영향을 미치는 정보보안위험 기반의 선행요인 연구)

  • Kim, Jong-Ki;Lee, Dong-Ho
    • Asia pacific journal of information systems
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    • v.15 no.2
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    • pp.65-96
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    • 2005
  • It is generally believed that, compared to traditional commerce, Electronic Commerce(EC) is more difficult to gain and sustain customers. One of the major reasons that customers do not use EC is lack of trust. Previous researches on the EC user's trust suggested that risk is an antecedent of trust and the concept of trust is highly related to risk. This study proposed a combined model in which includes the factors based on generic information security risk analysis methodology and trust factors in EC. The objectives of this study are follows; first, investigating the relationship between trust and risk that are antecedent factors of purchase intention, and second, examining the validity of information security risk analysis approach in EC environment. Based on the survey results of 143 MBA students statistical analysis showed that factors like threats and controls were significantly related to risk, but assets did not have statistically significant relationship with risk. Controls and knowledge of EC had meaningful effect on user's trust. This study found that risk analysis methodology which is generally used at organizational level is practically useful at user level on EC environment. In conclusion, the results of this study would be applied to generic situation of information security for analyzing and managing the risk. Besides, this study emphasized that EC vendors need to pay more attention to the information security risk to gain customer's trust.

Factors Affecting User Acceptance in Mobile Banking: An Empirical Study Using Extended TAM and Trust (모바일뱅킹에서의 사용자 수용요인: 확장된 TAM과 Trust를 이용한 실증연구)

  • Gu, Ja-Chul;Lee, Sang-Chul;Kim, Nam-Hee;Suh, Yung-Ho
    • Asia pacific journal of information systems
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    • v.16 no.2
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    • pp.159-181
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    • 2006
  • The purpose of this research is to identify the factors affecting user acceptance of mobile banking. To test the hypotheses, this research incorporates trust to extend the model. This study investigates the causal relationship among four factors; perceived ease of use, perceived usefulness, trust, and intention to use in mobile banking. This study also identifies the elements by which these factors are influenced. The result finds that facilitation condition and self-efficacy are significant elements affecting perceived ease of use. System quality, perceived ease of use and trust are significant elements affecting perceived usefulness, However, social influence is found to be not significant. System quality and perceived ease of use are significant elements affecting trust. Conclusively, perceived ease of use, perceived usefulness and trust are significant factors affecting the user acceptance in Mobile banking.

A study on the effect of user experience of fitness APP on product trust and purchase intention

  • Zhoua, Huizhuo;Xing, Xiaoyu;Lu, Zifan
    • Asia-Pacific Journal of Business
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    • v.13 no.3
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    • pp.1-18
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    • 2022
  • Purpose - The purpose of this study is to take fitness APP users as the research object from the perspective of user experience to explore the influence of fitness APP user experience factors on product trust and purchase intention. Design/methodology/approach - The study collected data on 275 customers who had experience buying and using fitness apps. To test the hypothesis, SPSS 27.0 and AMOS 26.0 statistical packages were used based on the collected data. Findings - The results showed that the user experience factors (usefulness, ease to use, enjoyment, interaction) of fitness APP and the relationship between product trust had a positive effect, and product trust had a positive effect on purchase intention. In addition, exercise experience, showed a moderating effect in the relationship between the usefulness, easy to use of user experience and product trust. Research implications or Originality - This study provided research model among user experience factors of fitness APP, product trust and purchase intention. This study can help sports and fitness companies with product optimization and marketing decisions.

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

  • Suh, Kun-Soo
    • Asia pacific journal of information systems
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    • v.18 no.4
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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.

Trust-based business model in trust economy: External interaction, data orchestration and ecosystem value

  • Minzheong, Song
    • International Journal of Advanced Culture Technology
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    • v.6 no.1
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    • pp.32-41
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    • 2018
  • The aim of this study is to formulate a trust-based business model of Internet services in so called the "trust economy." For it, firstly concepts of trust and trust economy are discussed. Then, we present previous literatures' review of trust in social science prism and trust economy in economic prism. This study classified the literatures' stances with two viewpoints of the 'system' and the 'user'. With this backdrop, we discuss three contradictory stances: Internal optimization vs. external interaction, personal data control vs. orchestration, and end-user vs. ecosystem value. In the result, we formulate a trust-based business model framework with three trust issues in user perspective and suggests three strategic directions related three issues along with representative use cases.

A Study on the Impact of Perceived Risk Factors on Cognitive Trust and Quality Trust in Mobile Payment Systems

  • Choi, Hun;Choi, Yoo Jung
    • International Journal of Contents
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    • v.14 no.4
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    • pp.18-23
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    • 2018
  • Recently, the developments in IT technology and the spread of smart phones have made Fin-Tech, which is a combination of financial services and IT technology, a big issue. In accordance with the growth trend of mobile payments in the world, all financial transactions in Korea are gradually shifting to smart phones. In fact, mobile payment system services are not widely used by users. In particular, the risk factors involved when users want to use the service are one of the factors that hinder the expansion of the usage of mobile financial payment service. The risk factors affect the trust of the mobile payment system users. Therefore, this study investigates the risk factors of the mobile payment system and the manner in which it affects a user's trust. We have also examined as how user's trust affects trust in the quality of the mobile payment system. To this end, the trust in overall quality of use was largely divided into trust in system quality, trust in information quality, and trust in service quality. Perceived finance risk, perceived performance risk, and perceived privacy risk have negative effects on cognitive trust. However, perceived time risk did not affect cognitive trust. User's cognitive trust also has an effect on trust in quality.

Enhancing Predictive Accuracy of Collaborative Filtering Algorithms using the Network Analysis of Trust Relationship among Users (사용자 간 신뢰관계 네트워크 분석을 활용한 협업 필터링 알고리즘의 예측 정확도 개선)

  • Choi, Seulbi;Kwahk, Kee-Young;Ahn, Hyunchul
    • Journal of Intelligence and Information Systems
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    • v.22 no.3
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    • pp.113-127
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    • 2016
  • Among the techniques for recommendation, collaborative filtering (CF) is commonly recognized to be the most effective for implementing recommender systems. Until now, CF has been popularly studied and adopted in both academic and real-world applications. The basic idea of CF is to create recommendation results by finding correlations between users of a recommendation system. CF system compares users based on how similar they are, and recommend products to users by using other like-minded people's results of evaluation for each product. Thus, it is very important to compute evaluation similarities among users in CF because the recommendation quality depends on it. Typical CF uses user's explicit numeric ratings of items (i.e. quantitative information) when computing the similarities among users in CF. In other words, user's numeric ratings have been a sole source of user preference information in traditional CF. However, user ratings are unable to fully reflect user's actual preferences from time to time. According to several studies, users may more actively accommodate recommendation of reliable others when purchasing goods. Thus, trust relationship can be regarded as the informative source for identifying user's preference with accuracy. Under this background, we propose a new hybrid recommender system that fuses CF and social network analysis (SNA). The proposed system adopts the recommendation algorithm that additionally reflect the result analyzed by SNA. In detail, our proposed system is based on conventional memory-based CF, but it is designed to use both user's numeric ratings and trust relationship information between users when calculating user similarities. For this, our system creates and uses not only user-item rating matrix, but also user-to-user trust network. As the methods for calculating user similarity between users, we proposed two alternatives - one is algorithm calculating the degree of similarity between users by utilizing in-degree and out-degree centrality, which are the indices representing the central location in the social network. We named these approaches as 'Trust CF - All' and 'Trust CF - Conditional'. The other alternative is the algorithm reflecting a neighbor's score higher when a target user trusts the neighbor directly or indirectly. The direct or indirect trust relationship can be identified by searching trust network of users. In this study, we call this approach 'Trust CF - Search'. To validate the applicability of the proposed system, we used experimental data provided by LibRec that crawled from the entire FilmTrust website. It consists of ratings of movies and trust relationship network indicating who to trust between users. The experimental system was implemented using Microsoft Visual Basic for Applications (VBA) and UCINET 6. To examine the effectiveness of the proposed system, we compared the performance of our proposed method with one of conventional CF system. The performances of recommender system were evaluated by using average MAE (mean absolute error). The analysis results confirmed that in case of applying without conditions the in-degree centrality index of trusted network of users(i.e. Trust CF - All), the accuracy (MAE = 0.565134) was lower than conventional CF (MAE = 0.564966). And, in case of applying the in-degree centrality index only to the users with the out-degree centrality above a certain threshold value(i.e. Trust CF - Conditional), the proposed system improved the accuracy a little (MAE = 0.564909) compared to traditional CF. However, the algorithm searching based on the trusted network of users (i.e. Trust CF - Search) was found to show the best performance (MAE = 0.564846). And the result from paired samples t-test presented that Trust CF - Search outperformed conventional CF with 10% statistical significance level. Our study sheds a light on the application of user's trust relationship network information for facilitating electronic commerce by recommending proper items to users.

Exploring the Influence of the Internet Shopping Mall's Quality Factors on User Trust and Acceptance (인터넷 쇼핑몰이 갖는 품질요인이 사용자 신뢰와 수용에 미치는 영향에 대한 연구)

  • Lee Kung-Chang;Kang Byung-Uk;Suh Bomil;Kim Jong-Uk
    • Korean Management Science Review
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    • v.22 no.1
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    • pp.27-46
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    • 2005
  • As the electronic commerce has grown dramatically, visiting the Internet shopping malls is accepted as one of our daily life. Despite many studies about user acceptance of the Internet shopping malls, it still remains unanswered how the Internet shopping mall's three quality factors such as system qualify, Information qualify, and service quality affect user trust, and eventually user acceptance of the mall. To investigate this issue, we propose a research model in which six external factors such as three qualify factors as well as self-efficacy, subjective norm, and trust have a significant impact on user's attitude and intention to use the mall. After garnering 244 valid questionnaires from users, we analyze them with structural equation modeling. Experiment results show that the Internet shopping mall's three quality factors such as system quality, information qualify, and service quality significantly Influence user trust for the mall, which in turn impacts user's perceived usefulness, attitude toward using the mall. Another external factors such as self-efficacy and subjective norm also influence user's perceived ease of use and perceived usefulness respectively, affecting user's attitude altogether. Implications and further research directions are presented.