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Impact of impulsiveness on mobile banking usage: Moderating effect of credit card use and mediating effect of SNS addiction (충동성이 모바일뱅킹 사용률에 미치는 영향: 신용카드 사용 여부의 조절효과와 SNS 중독의 매개효과)

  • Lee, Youmi;Nam, Kihwan
    • Journal of Intelligence and Information Systems
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    • v.27 no.3
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    • pp.113-137
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    • 2021
  • According to the clear potential of mobile banking growth, many studies related to this are being conducted, but in Korea, it is concentrated on the analysis of technical factors or consumers' intentions, behaviors, and satisfaction. In addition, even though it has a strong customer base of 20s, there are few studies that have been conducted specifically for this customer group. In order for mobile banking to take a leap forward, a strategy to secure various perspectives is needed not only through research on itself but also through research on external factors affecting mobile banking. Therefore, this study analyzes impulsiveness, credit card use, and SNS addiction among various external factors that can significantly affect mobile banking in their 20s. This study examines whether the relationship between impulsiveness and mobile banking usage depends on whether or not a credit card is used, and checks whether a customer's impulsiveness is possible by examining whether a credit card is used. Based on this, it is possible to establish new standards for classification of marketing target groups of mobile banking. After finding out the static or unsuitable relationship between whether to use a credit card and impulsiveness, we want to indirectly predict the customer's impulsiveness through whether to use a credit card or not to use a credit card. It also verifies the mediating effect of SNS addiction in the relationship between impulsiveness and mobile banking usage. For this analysis, the collected data were conducted according to research problems using the SPSS Statistics 25 program. The findings are as follows. First, positive urgency has been shown to have a significant static effect on mobile banking usage. Second, whether to use credit cards has shown moderating effects in the relationship between fraudulent urgency and mobile banking usage. Third, it has been shown that all subfactors of impulsiveness have significant static relationships with subfactors of SNS addiction. Fourth, it has been confirmed that the relationship between positive urgency, SNS addiction, and mobile banking usage has total effect and direct effect. The first result means that mobile banking usage may be high if positive urgency is measured relatively high, even if the multi-dimensional impulsiveness scale is low. The second result indicates that mobile banking usage rates were not affected by the independent variable, negative urgency, but were found to have a significant static relationship with negative urgency when using credit cards. The third result means that SNS is likely to become addictive if lack of premeditation or lack of perseverance is high because it provides instant enjoyment and satisfaction as a mobile-based service. This also means that SNS can be used as an avoidance space for those with negative urgency, and as an emotional expression space for those with high positive urgency.

A Study on the Professional Image Concept for Appearance Management in the Workplace (Part 1) (직장인의 외모관리를 위한 프로페셔널 이미지 개념 연구 (제1보))

  • Yoo, Hee;Choi, Sun-Hyung
    • Journal of the Korean Society of Clothing and Textiles
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    • v.34 no.10
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    • pp.1742-1753
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    • 2010
  • This study clarifies the importance, advantages, and constituents of the professional image by appearance management in the workplace. In-depth interviews were conducted with 8 participants who have over 8 years experience in their respective fields. The transcripts of the interview were classified according to a card classification method. The results of the study were as follows: First, the professional image by appearance management is important, because there is a special treatment by image in interaction on business. Second, the advantages of the professional image were to achieve a career opportunity, improve interpersonal relationships, obtain special treatment or protection from a biased angle, and increase business reliability. Third, the constituents of the professional image were conscientiousness and self-management skills, assertive and open attitudes, leadership, interpersonal skills, customer-satisfaction spirit, expert knowledge and skills, and confidence in the business results.

An Empirical Study on User Acceptance of Micro e-Payment Systems : System Features, Transaction Cost, and Provider (소액 전자결제시스템 수용의지에 관한 실증연구 : 시스템 특성, 거래비용과 제공업체를 중심으로)

  • Chung, Suk-Kyun;Ryoo, Chang-Wan;Ku, Tae-Yong
    • Journal of Korean Society of Industrial and Systems Engineering
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    • v.33 no.4
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    • pp.130-137
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    • 2010
  • This paper analyzes the main factors affecting user selection of a small-sum electronic payment system using survey data of 396 users. Several findings emerge. First, users consider three pillars and eight factors in adopting a new system : system features(stability, security, and flexibility), transaction cost(payment commission and settlement period), and financial capability of provider(stability of financial structure, risk management capability, and funding capability). Second, the stability of the financial structure of the system provider is the most important factor to user acceptance of a new e-payment system. Users tend to consider uncertainty risk more seriously than transaction cost. This reflects the reality that electronic payment system service industry has not fully fledged yet. Third, some moderating effects exist according to payment methods and business usages. As for payment methods, speedy settlement cycle for wired/wireless phone payment, system stability for credit card and account transfer payment, and security for advance payment means are crucial factors. As for business usages, the stability of financial structure for online game content, system stability for music and video content, proxy payment commission for e-learning content, flexibility of the payment system for digital adult content, and security for public services are decisive ones.

Development of Self-Diagnosis Methodology Based on Process for Improving the Effectiveness in Public Institutions Service (공공기관의 대국민 서비스 효율성 제고를 위한 프로세스 기반 자가진단 방법론 개발)

  • Kim, Changhee;Lee, Sanghoon;Kim, Soowook
    • Journal of the Korean Operations Research and Management Science Society
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    • v.40 no.1
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    • pp.171-184
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    • 2015
  • The purpose of this study is to develop the self-diagnosis methodology based on process for improving the effectiveness in public institutions service and to suggest it. For this goal, we would like to select the management methodology which can be easily handled from the viewpoint of working personnel in the public institutions and make it as a process. First, the strategy for the public institutions and the strategic task for practicing it are acquired using BSC (Balanced Score Card) which is now under the active research. At this time, the relative degree of significance is derived using the AHP (Analytic Hierarchy Process) which is conducted for the professionals and management to get the degree of importance in the strategic tasks. The acquired relative degree of significance and the figures related to the performance of each strategic task derived from the subsequent questionnaire are used to get the final highly efficient strategic task through IPA (Importance Performance Analysis). In this study, this process based self diagnosis methodology will be explained in detail using the case of Project A in order to verify the effectiveness of the management science technique on the self diagnosis of the public institutions.

Remote Measurement of Photovoltaic Plant using Web (태양광발전 설비의 웹을 이용한 원격 계측)

  • Suh, Jang-Soo;Lee, Jung-Il;Kang, Byung-Bog;Cha, In-Su
    • Proceedings of the KIEE Conference
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    • 2003.07e
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    • pp.171-173
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    • 2003
  • Digital environment that is represented to internet is displacing business way of industry and business achievement way with the fast speed being giving great change on life whole, improve existence business process utilizing internet and Web connection technology, information superhighway to tradition industrialist manufacture and e-transformation's propulsion that wish to maximize productivity and administration efficiency is spread vigorously. In this paper, we wish to accomplish generation equipment's heighten stability and believability through remote monitoring and control of PV system. This paper describes the design of the monitoring system for sensing the monitoring data and indirect controlling of the PV system. Most of the conventional monitoring system depend on the special hardware and software. Basic design goal of monitoring system is to provide the convenience for the user and the portability for the system. In order for the system to fulfill its requirements, it was designed using Labview GUI facility based on the Windows 2000 environment of IBM PC compatible and Add-on card based on the TCP/IP protocol. Advantage of the monitoring system are a personnel expenses curtailment effect, free of the place restriction and unmanned system of the generation plants, etc.

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A Study of Activation plan for Korean restaurant business -Based on Literature of Preceding Studies- (한식당 영업활성화 방안 연구 - 선행연구 문헌을 토대로 -)

  • Gye, Su-Gyeong;Jin, Yeong-Il
    • Proceedings of the Korea Hospitality Industry Research Society Conference
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    • 2005.11a
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    • pp.109-122
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    • 2005
  • In accordance with changes in life style, people's desire to eat out is getting changed in their preferring factors from whether they can buy food they want to eat fast and easily to mood of the dining space, content and quality of service, hygiene condition of restaurant, quiet location and surrounding circumstance, and discount coupon and price destruction. In addition, consumers who begin to recognize the seriousness of environmental pollution prefer health-oriented food. On the other hand, excessive presence of competitors, growing personnel expense, increasing expenditure in accordance with swelling price of rent and material expenditure, increase of tax burden, decrease of income because of credit card service charge and high expected level by consumers make it difficult for restaurant's owners to manage restaurant business. Therefore, this study purposes to establish development of menu from the consumer's and the supplier's point of view and propose how to develop menu aiming at convenience, health and diversity.

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Case Study on BSC System Implementation in Korean Public Firms: Focused on KOTRA (BSC 시스템 구축 사례 연구: 대한무역투자진흥공사를 중심으로)

  • Kim, Sung-Soo;Lee, Hak-Seon
    • Information Systems Review
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    • v.9 no.1
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    • pp.233-257
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    • 2007
  • BSC has gained increasing popularity as an effective management tool aligns employee actions and goles with corporate strategy since first being introduced in 1992. Though a lot of people have thought that many corporations have achieved a lot of effectiveness in their business with BSC, by the way, public enterprises have been difficulties in implementing BSC as a management innovation tool because of different characters between private and public enterprises. KOTRA's BSC among domestic public enterprises is early introduced and evaluated very high in quality. So the purpose of this paper is to represent success factors and problems for implementing BSC System of KOTRA and then expects to be used for implementing successful BSC System as a good reference model in domestic public enterprises.

The Evaluation Model for Knowledge Assets on Medical Devices Industry (의료기기산업의 지식자산 평가모형)

  • Kim, Mahn-Sool;Lee, Jong-Moo
    • Journal of the Korea Safety Management & Science
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    • v.13 no.2
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    • pp.251-258
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    • 2011
  • The existing evaluation systems based on financial performance summarize the information about past results and focus on short-term performance, and so they have the limits to explain the future value of firms and to make a long-term strategic performance. By this reason, as a way to increase the future value, the development of the integrated performance evaluation system with which we may manages financial performance and knowledge assets together has been required recently. This study puts together various researches for the evaluation of knowledge assets, and analyzes the existing studies for the domestic medical devices industry and the tendency of introduction for business practice. Under this analysis, this study develops the knowledge asset evaluation indexes for medical devices industry by using the Balanced Score Card (BSC) of Kaplan & Norton(1992), and then presents the evaluation model by applying the Analytic Hierarchy Process (AHP) of Saaty(1980) to get the weight for each index. With the final evaluation model, we can calculate the evaluation score combined with both the quantitative indexes and the qualitative indexes at once.

A Strategy for Developing Service Model Toward Industrial Innovation (산업 혁신을 위한 서비스모델 개발 전략에 관한 연구)

  • Kwon, Hyeog-In;Joo, Hi-Yeob;Ryu, Gui-Jin;Kim, Man-Jin
    • Journal of Information Technology Services
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    • v.9 no.4
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    • pp.231-242
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    • 2010
  • The emergence of convergence has been the cause of development of the industry more complex and difficult by continually changing business environment and the destruction of the business area. The government-initiatives approach shows the limits to foster the new industries in needs of service-oriented ecosystem. In this study, we propose the service model as service-based approach for the development of new industries derived through the convergence inter-industry. While business model is defined based on the company's temporary and piecemeal activities, service model is the concept of dynamic and continuous that includes national, industrial, corporate level. In order to derive the service model, to identify current problems and issues with the public and the private sector is first. Then design the roadmap for the implementation of the desired shape through strategy from optimal rationality and long-term strategy. In this study, we define a service model, and consider when establishing a service model for three dimensional(national, industrial, corporate level) through analyzed by 3Level Service Model. And we also consider characteristics of the service model and approach, present the case of 'New Transit Card Services in Seoul'.

Image Support and Wood Identification of Wood Crafts (IV) - Focusing on Stationery articles - (목공예품의 이미지 제공 및 수종분석 (IV) - 문구류를 중심으로 -)

  • Kim, Sa-Ick
    • Journal of the Korea Furniture Society
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    • v.28 no.3
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    • pp.233-247
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    • 2017
  • Woodcraft activities have an inseparable relationship with our daily life, and it is a field that needs to be continued because of the value of education for the growing students. The interest in woodworking from childhood to old age is rapidly expanding nowadays, therefore this study has been done to provide images to those who are engaged in woodcraft business and also those who are interested in this field. If we look at the use of wood in our daily life, We can classify it into Architecture, Civil engineering, Furniture, Musical Instrument, Packaging, Recreational instrument, Exercise instrument, Stationery, Daily commodity, and Industrial use. Among them, We examined kinds of stationery and which type of woods were used. As a result of classifying 101 stationery products in 22 countries, stationery materials using wood can be used for Business cards, Envelope houses, Box houses, Pen holders, Locker plates, Stationery baskets, Book holders, Stamps, Paper knives, Bookmarks, and Photo frames. It was found various wooden stationery are made in USA, Japan, UK, Canada etc. And the most frequently used species are hardwoods such as Walnut (Juglans regia), Maple (Acer spp.), Cherry (Prunus serotina), Birch (Betula spp.), Mahogany (Swietenia macrophylla), Tulip (Liriodendron tulipifera Linnaeus), Bubinga (Guibourtia tessmannii J. Leonard), Wenge (Milletia laurentii De. wild), Cocobolo (Dallbergia cultrata Grah), Zebrawood (Microberlinia brazzavillensis A. Chev.) and Ebony (Diospyros spp.).