• Information Systems Review
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• v.14 no.3
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• pp.75-97
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• 2012

Fostering trusting belief in financial transactions is a challenging task in Internet banking services. Authenticated Certificate had been regarded as an effective method to guarantee the trusting belief for online transactions. However, previous research claimed that this method has some loopholes for such abusers as hackers, who intend to attack the financial accounts of innocent transactors in Internet. Two types of methods have been suggested as alternatives for securing user identification and activity in online financial services. Control transparency uses information over the transaction process to verify and to control the transactions. Outcome feedback, which refers to the specific information about exchange outcomes, provides information over final transaction results. By using these two methods, financial service providers can send signals to involved parties about the robustness of their security mechanisms. These two methods-control transparency and outcome feedback-have been widely used in the IS field to enhance the quality of IS services. In this research, we intend to verify that these two methods can also be used to reduce risks and to increase the security protections in online banking services. The purpose of this paper is to empirically test the effects of the control transparency and the outcome feedback on the risk perceptions in Internet banking services. Our assumption is that these two methods-control transparency and outcome feedback-can reduce perceived risks involved with online financial transactions, while increasing perceived trust over financial service providers. These changes in user attitudes can increase the level of user satisfactions, which may lead to the increased user loyalty as well as users' willingness to pay for the financial transactions. Previous research in IS suggested that the increased level of transparency on the process and the result of transactions can enhance the information quality and decision quality of IS users. Transparency helps IS users to acquire the information needed to control the transaction counterpart and thus to complete transaction successfully. It is also argued that transparency can reduce the perceived transaction risks in IS usage. Many IS researchers also argued that the trust can be generated by the institutional mechanisms. Trusting belief refers to the truster's belief for the trustee to have attributes for being beneficial to the truster. Institution-based trust plays an important role to enhance the probability of achieving a successful outcome. When a transactor regards the conditions crucial for the transaction success, he or she considers the condition providers as trustful, and thus eventually trust the others involved with such condition providers. In this process, transparency helps the transactor complete the transaction successfully. Through the investigation of these studies, we expect that the control transparency and outcome feedback can reduce the risk perception on transaction and enhance the trust with the service provider. Based on a theoretical framework of transparency and institution-based trust, we propose and test a research model by evaluating research hypotheses. We have conducted a laboratory experiment in order to validate our research model. Since the transparency artifact(control transparency and outcome feedback) is not yet adopted in online banking services, the general survey method could not be employed to verify our research model. We collected data from 138 experiment subjects who had experiences with online banking services. PLS is used to analyze the experiment data. The measurement model confirms that our data set has appropriate convergent and discriminant validity. The results of testing the structural model indicate that control transparency significantly enhances the trust and significantly reduces the risk perception of online banking users. The result also suggested that the outcome feedback significantly enhances the trust of users. We have found that the reduced risk and the increased trust level significantly improve the level of service satisfaction. The increased satisfaction finally leads to the increased loyalty and willingness to pay for the financial services.

• Asia pacific journal of information systems
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• v.19 no.4
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• pp.149-176
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• 2009

In the recent e-learning environment, avatars are often used to help learners get familiar with the contents, which is ultimately to motivate them to study more. Therefore, it is important to investigate whether avatars have actually the desirable effect on users of e-learning materials. Surprisingly, however, no extensive study has been conducted on this crucial issue Accordingly, main objectives this study are summarized as follows. First, we need to gain better understanding of how much learners' trust towards avatars (termed as "avatar trust") is transferred to learners' trust towards e-learning contents (termed as "contents trust"). Second, we need to investigate how much learners' personal relationships with avatars as well as learning behaviors change depending on avatar types (attractive vs. professional) and contents complexity (easy vs. difficult). As described in the study objectives, in order for us to analyze empirical data more systematically, we classified avatar types into two: "attractive" and "professional;" the contents are categorized as either "easy" or "difficult." Therefore, it is essential for this study to build a prototype e-learning website on which our research purpose can be realized and tested effectively with proper avatar types and e-learning contents. For this purpose, we built a prototype e-learning website, in which avatars are invited from currently working avatar instructors used in real-world e-learning websites, and e-learning contents are adapted from real-world contents about Java programming topic, which have been proved to have shown high quality and reliability. Our research method includes questionnaire survey by inviting a number of valid respondents comprised of office workers who are believed to have high demands for the e-learning contents as well as those who have previous experience with avatar instructors. Respondents were given one of the four e-learning experiment conditions (2 avatar types x 2 contents types) on a random basis. Each experimental e-learning condition is framed to have the same quality but different avatar type and content complexity. Then the respondents are asked to fill out the survey form which has questions about avatar trust, contents trust, personal relationships with avatar, and learning behavior, among others. Regarding the constructs used in research model, we based them rigorously on previous studies. For example, we used six constructs such as behavior to give information (BGI), behavior to obtain information (BOI), need for inclusion wanted, need for control wanted, contents trust, and avatar trust. To measure them, 7-Likert scales were used in the questionnaire. E-learning performance was measured indirectly through two constructs such as BGI and BOI. Six constructs used in the research model were adopted and revised from the FIRO-B model suggested by Schutz. Empirical results are as follows: First, professional avatars are more effective for difficult contents, while attractive avatars were not as effective for easy contents. Second, our study results ascertained that avatar trust transfers to contents trust regardless of avatar types and contents complexity.

• The Journal of the Korea Contents Association
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• v.12 no.3
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• pp.352-362
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• 2012

Recently, the number of smartphone user is increasing fast, and many companies provide various mobile applications. However, not all applications remain at the smartphones, they could be deleted easily if users don't trust them. Therefore in this study, we try to develop the model of building trust to use the smartphone applications and examines the influences of ease of use, usefulness, enjoyment on user satisfaction and trust. For this study the 221 sets of data collected, who use the smartphones, were tested against the model using PLS 2.0. The results of this study are as follows. First, perceived ease of use had an effect on usefulness and enjoyment. Second, usefulness and enjoyment had an effect on user satisfaction and trust. We can derive the factors which affect building trust in smartphone applications through this study, and provide a guideline to mobile application vendors and providers.

• Journal of Digital Convergence
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• v.18 no.7
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• pp.167-175
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• 2020

With the recent revitalization of the shared economy, bike-sharing services are gaining huge popularity in the bicycle sector. Bike-sharing services are characterized by reducing environmental pollution and borrowing bicycles at low prices. This study investigated the mechanisms for the formation of customer's continuance intention toward bike-sharing services. The theoretical framework clarified the role of perceived value and trust in enhancing customer's continuance intention. Perceived usefulness, perceived ease of use and perceived enjoyment are considered as the vital factors of enhancing perceived value and trust in a service provider. The research model was validated by data from 217 bike-sharing users in China. Both perceived value and trust in a service provider had a significant impact on user's continuance intention. However, the analysis results showed that perceived usefulness does not have a significant impact on both perceived value and trust in a service provider. Perceived ease of use and perceived enjoyment played a significant role in enhancing both perceived value and trust in a service provider. Our results are expected to provide academic and practical implications for bike-sharing services.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.32 no.6
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• pp.1069-1080
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• 2022

Zero trust, which means never trust anything before verifying it, is emerging as a hot issue in security field. After authenticating users, zero trust establishes network boundaries so that only networks in the trusted range can be accessed. This concept is also consistent with the concept of SDP, which performs pre-verification and creates a network boundary with a dynamic firewall so that clients can access only as many as they have permission to connect. Therefore, we recommend the SDP model as an example of how zero trust can be achieved in a zero trust architecture. In this paper, we point out the areas where SDP needs to be modified for zero trust and suggest ways to overcome them. In addition, we propose an onboarding method, which is one of the processes for becoming an SDP entity, and present performance measurement results.

• Journal of the Korean Society for information Management
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• v.24 no.1 s.63
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• pp.227-250
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• 2007

With the advent of social networking activity on the Internet, online community sites are becoming more popular. The main purpose of this study is to empirically investigate the influence of intermediary trust and system trust on the forum activity trust and information quality satisfaction. We assume that the intermediary trust and system trust come from the online community site itself, while the forum activity is made within a specific forum allowed on the online community site, and therefore forum activity trust and information quality satisfaction are related to a specific forum. The 591 valid questionnaire data were gathered from the users acting in forums allowed on the Samsung Economic Research Institute (SERI) (www. seri.org). The empirical results are as follows. First, the SERI intermediary trust and its system trust have positive influence on the SERI forum information quality, system quality, and perceived effectiveness. Second, the SERI intermediary trust contributes to reducing the SERI forum perceived risks, while the SERI system quality does not. Third, the higher the SERI intermediary trust is, the higher the SERI forum trust and information quality satisfaction increase.

• The KIPS Transactions:PartA
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• v.13A no.7 s.104
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• pp.599-606
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• 2006

As the P2P service does not have any administration authorities that are able to manage the behavior of participants and control the malicious users, malicious user can give harm to legitimate users for the benefit of themselves. To perform the secure transaction with new members who did not have past experiences on transaction, service users can differentiate malicious users and legitimate users by referring to the reputation information that provided by users having past experience. However, users can intentionally give false evaluation to other users on Performed transaction. We call these users as 'liar'. In this Paper, we propose a new reputation system for liar reduction to guarantee an accuracy on reputation information.

• Journal of Digital Contents Society
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• v.13 no.3
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• pp.301-307
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• 2012

This study deals with the influencing factors for satisfaction of mobile coupon service. Thus researcher examined a structural equation modeling methodology of the path within word of mouth, satisfaction, and other exogenous variables (economic value, trust, joyfulness, innovativeness). As a result of this study, mobile coupon users understand the characteristics of basic coupon concept, and First, it was confirmed that the economic value, innovativeness affected user's trust for coupon service and joyfulness for using coupon. Second, it was confirmed that trust and joyfulness affected user's satisfaction and word of mouth activities. Moreover, this paper's contribution point is the proposes of the one of the post adoption model with the quantitative study of the industrial development stages of current various mobile coupon application.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.10 no.5
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• pp.2067-2080
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• 2016

Cooperative spectrum sensing (CSS) for vacant licensed bands is one of the key techniques in cognitive radio networks. Currently, sequential probability ratio test scheme (SPRT) is considered as a powerful soft decision approach to improve the sensing result for CSS. However, SPRT assumes all secondary users (SU) are honest, and thus offering opportunities for malicious SUs to launch the spectrum sensing data falsification attack (SSDF attack). To combat such misbehaved behaviors, recent efforts have been made to trust mechanism. In this paper, we argue that powering SPRT with traditional trust mechanism is not enough. Dynamic SSDF attackers can maintain high trust in an alternant process of submitting honest or false sensing data, resulting in difficultly detecting them. Noting that the trust value of dymamic SSDF attackers behave highly volatile, a novel trusted SPRT scheme (VSPRT) based on volatility decay analysis is proposed in this paper to mitigate the harmful effect of dynamic SSDF attackers in the process of the soft-decision data fusion, and thus improving the accuracy of the final sensing result. Simulation results show that the VSPRT scheme outperforms the conventional SPRT schemes.

• Asia-Pacific Journal of Business
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• v.6 no.1
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• pp.27-43
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• 2015

The objective of the present study is to identify the security factors that influence customer trust towards intention to continue using Internet banking in Malaysia. The participants are individual Internet banking users in Peninsular Malaysia. Data was collected through self-administered questionnaires distributed using the drop-off and pick-up (DOPU) technique to bank branch managers who then passed the questionnaires to their customers. A total of 413 respondents completed the questionnaires. The SPSS statistical analysis software package and Partial Least Squares statistical method were used for data analysis and hypothesis testing. The results show that authentication, confidentiality, data integrity and non-repudiation are significant factors that influence customer trust towards intention to continue using Internet banking. Trust plays a critical role in influencing the intention to continue using Internet banking in Malaysia while perceived privacy does not. An understanding of the factors identified in this study will enable Internet banking providers to effectively and efficiently enhance the security of services and thereby promote continued usage of Internet banking among customers. The findings of this study are thus expected to be of great use to Internet banking providers as improvements in Internet banking security will increase business in the long run.