• The Journal of Asian Finance, Economics and Business
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• 제7권6호
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• pp.221-231
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• 2020

This research investigates the relationship among product risk, financial risk, security risk, privacy risk, perceived satisfaction, and purchase intention. Validated measurements were identified from a literature review. The measurement model and the conceptual model depicting hypothesized relationships were evaluated based on responses from 306 customers using confirmatory factor analysis and structural equation modeling. The results showed that product risk, financial risk, security risk, and privacy risk impacted on perceived satisfaction. Besides, product risk, privacy risk, and perceived satisfaction influenced purchase intentions. Thus, this study focused on the influences of product risk, financial risk, security risk, and privacy risk on their cognitive attitudes toward websites. That means the more consumer perceive security, the more they avoid shopping online. The study is important to show how perceived risk affects online shopping behaviors, and it invites marketers to make necessary adjustments to prevent perceived risks to increase and online shopping to decrease. The findings of this study suggest the creation of a framework on the effect of perceived risk types on online shopping. Managers need to take perceived risks into account when designing their electronic marketing channels. In addition, shopping websites should strengthen their transaction security by appropriately using various available resources and new information technologies.

• 대한가정학회지
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• 제41권11호
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• pp.49-60
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• 2003

The purposes of this study were (1) to assess the perceived evaluation of family financial risk safeguards and (2) to identify demographic variables, financial security and financial communication which were an influence on the perceived evaluation of family financial risk safeguards. The data were collected from 598 housewives using an on-line survey. The major findings of this study were as follows: first, the perceived evaluation of financial risk safeguards was lower than the median(2.80). Especially, the perceived evaluation of financial risk safeguard for children's education had the highest score. Second, the variables which were an influence on the financial communication of husbands and wives were‘financial security’ and ‘years which they have been married’. Third, the perceived evaluation of financial risk safeguards was significantly different according to financial security and the financial communication of husbands and wives.

• 한국항해항만학회지
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• 제36권3호
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• pp.261-271
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• 2012

본 연구의 목적은 항만기업 종사자들의 정보보안인식정도와 지각된 정보보안위험 정도에 영향을 미치는 요인들이 어떤 것들이 있는지를 실증 분석하는 것이다. 특히, 지각된 정보보안위험에 영향을 미치는 요인을 파악하기 위하여 위험분석방법론을 토대로 자산, 위협, 취약성과의 관계를 분석하였다. 252개의 유효설문을 대상으로 AMOS를 이용한 구조방정식 모형 분석을 하였다. 연구결과를 보면, 첫째, 항만기업 종사자의 경우 정보자산은 지각된 정보보안위험에 유의하지 않은 결과로 분석되었다. 둘째, 위협, 취약성은 지각된 정보보안위험에 유의한 영향을 미치는 것으로 나타났다. 마지막으로, 정보보안인식과 정보보안교육, 정보보안인식과 정보보안의도와의 관계는 유의하게 분석되었다. 그러나 정보보안관심도는 정보보안인식에 유의하지 않은 것으로 분석되었다.

• 한국컴퓨터정보학회논문지
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• 제23권9호
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• pp.141-156
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• 2018

The purpose of this study is how personal information violation risks affect the intention to use domestic cryptocurrency services. VAM(Value based Adoption Model) model is validated as a theoretical background, selecting perceived ease of use, perceived usefulness and perceived security as a benefit factors, and considers perceived cost, technical complexity, and risk of personal information violation risks as sacrifice factors. The method of this study used questionnaire survey to collect 150 data on user's perception on cryptocurrency services, and also performed a structural equation modeling method using by AMOS 23. The result of this paper shows that all hypotheses are accepted statistically significant except 2 hypothesis. This research is concluded that perceived value is affected on statistically positive impact on perceived ease of use, perceived usefulness and perceived security, and negative impact on risk of personal information violation risk, not statistically perceived fee and technical complexity.

• 한국콘텐츠학회논문지
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• 제19권5호
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• pp.194-204
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• 2019

최근 모바일 결제 앱 시장이 점차 확대되고 있으나 보안과 프라이버시에 대한 염려로 인하여 모바일 결제 앱 사용률이 서비스 제공자들의 기대에 미치지 못하고 있다. 본 연구는 모바일 결제 앱을 사용하는 개인의 성향과 결제 앱 자체의 보안 신호가 사용자들의 인지된 개인정보 유출 위험과 보안 위험에 어떠한 영향을 주며, 이러한 요인들이 최종적으로 어떻게 모바일 결제 앱의 신뢰에 영향을 주는지 설문을 통하여 살펴보았다. 그 결과, 프라이버시 염려도는 인지된 개인정보 유출 위험을 증가시키고 모바일 시스템 보안 정도를 감소시키는 반면, 친숙도, 인지된 명성, 보안 마크는 인지된 개인정보 유출 위험을 감소시키고 모바일 시스템 보안 정도를 증가시키는 것으로 나타났다. 마지막으로 인지된 개인정보 유출 위험의 감소와 모바일 시스템 보안의 증가가 모바일 결제 앱의 신뢰도에 긍정적 영향을 미친다는 점을 밝혔다.

• Asia pacific journal of information systems
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• 제18권4호
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• pp.1-26
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• 2008

Rapid progress of information technology and widespread use of the personal computers have brought various conveniences in our life. But this also provoked a series of problems such as hacking, malicious programs, illegal exposure of personal information etc. Information security threats are becoming more and more serious due to enhanced connectivity of information systems. Nevertheless, users are not much aware of the severity of the problems. Using appropriate password is supposed to bring out security effects such as preventing misuses and banning illegal users. The purpose of this research is to empirically analyze a research model which includes a series of factors influencing the effectiveness of passwords. The research model incorporates the concept of risk based on information systems risk analysis framework as the core element affecting the selection of passwords by users. The perceived risk is a main factor that influences user's attitude on password security, security awareness, and intention of security behavior. To validate the research model this study relied on questionnaire survey targeted on evening class MBA students. The data was analyzed by AMOS 7.0 which is one of popular tools based on covariance-based structural equation modeling. According to the results of this study, while threat is not related to the risk, information assets and vulnerability are related to the user's awareness of risk. The relationships between the risk, users security awareness, password selection and security effectiveness are all significant. Password exposure may lead to intrusion by hackers, data exposure and destruction. The insignificant relationship between security threat and perceived risk can be explained by user's indetermination of risk exposed due to weak passwords. In other words, information systems users do not consider password exposure as a severe security threat as well as indirect loss caused by inappropriate password. Another plausible explanation is that severity of threat perceived by users may be influenced by individual difference of risk propensity. This study confirms that security vulnerability is positively related to security risk which in turn increases risk of information loss. As the security risk increases so does user's security awareness. Security policies also have positive impact on security awareness. Higher security awareness leads to selection of safer passwords. If users are aware of responsibility of security problems and how to respond to password exposure and to solve security problems of computers, users choose better passwords. All these antecedents influence the effectiveness of passwords. Several implications can be derived from this study. First, this study empirically investigated the effect of user's security awareness on security effectiveness from a point of view based on good password selection practice. Second, information security risk analysis framework is used as a core element of the research model in this study. Risk analysis framework has been used very widely in practice, but very few studies incorporated the framework in the research model and empirically investigated. Third, the research model proposed in this study also focuses on impact of security awareness of information systems users on effectiveness of password from cognitive aspect of information systems users.

• 복식문화연구
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• 제18권1호
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• pp.118-132
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• 2010

The purpose of this study is to understand factors of risk perception and purchase obstruction by consumer characteristics and purchase experience of clothing in online. The collection of the research materials was progressed by online and offline. Out of 374 usable questionnaires used for examining this study, 278 questionnaires were collected from offline and 107 questionnaires were collected from online. Frequency analysis, factor analysis, reliability analysis, t-test, One-way ANOVA and multiple regression analysis using SPSS WIN 12.0 were conducted. Three factors of perceived risk were extracted: harmonic/image, quality/shopping process, payments. Based on these dimensions, ANOVA was conducted. The results indicated that the more purchasing experience people had, the less the extent of perceived risk they got, and quality/shopping process risk mostly among them. As the factors which obstruct purchasing decision, a security obstruction, a reliability obstruction, a convenient obstruction and an information insufficient obstruction are extracted. Also, the factors have got the result of same aspects as the perceived risk recognized by the Internet shopping experience. Meaningful differences between groups appear at security obstruction, reliability obstruction, and convenient obstruction. Perceived risk almost influenced on purchase obstruction when purchasing clothes in Internet shopping mall. When consumers perceiving harmony/image risk highly make decisions, they usually hesitate or abandon due to reliability obstruction, convenient obstruction. All the factors: including security obstruction, reliability obstruction, convenient obstruction and information insufficient obstruction made consumers perceiving quality/shopping process risk highly obstruct purchase decision.

• 디지털융복합연구
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• 제15권12호
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• pp.239-253
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• 2017

모바일 결제 서비스가 빠르게 확산되고 있는 시점에서 안정적인 성장을 위해서는 수용요인뿐만 아니라 사용저항을 유발하는 요인을 이해하고 이를 줄이거나 제거하려는 노력이 필요하다. 이에 본 연구는 모바일 결제 서비스에 대한 사용자의 저항행동에 영향을 미치는 요인을 선행연구를 통해 도출하고 이들 간의 관계를 살펴보기 위한 실증분석을 진행하였다. 이를 위해 총 8주간 설문조사법을 통해 자료를 수집하였으며 SmartPLS2.0을 사용하여 가설검증을 위한 분석을 실시하였다. 실증분석 결과, 부정적 사회영향, 위험회피성향, 기존서비스불신은 지각된 위험에 유의한 영향을 미치는 것으로 나타났으며 기술의 변화속도와 취약성은 지각된 위험에 유의한 영향을 미치는 것으로 나타났다. 또한, 지각된 위험은 사용자저항에 유의한 영향을 미치는 것으로 나타났으며 부정적 보안인식은 지각된 위험과 사용자저항 간의 관계를 강화시키는 것으로 나타났다. 본 연구의 결과는 모바일 결제 서비스와 관련된 서비스나 기술을 제공하는 기업이나 사람들에게 사용자저항에 영향을 미칠 수 있는 요인들에 대한 유용한 정보를 제공할 수 있을 것으로 기대한다. 뿐만 아니라 모바일 결제 서비스가 꾸준히 성장하는데 있어 학문적으로 관련 연구를 진행하는데 유용한 학문적 시사점을 제공할 수 있을 것으로 기대한다.

• 한국정보시스템학회지:정보시스템연구
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• 제30권3호
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• pp.65-91
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• 2021

Purpose In this study, we investigated the impact of perceived risk and switching costs on switching intention to cloud service based on PPM (Pull-Push-Mooring) model. Design/methodology/approach We focused on revealing the switching factors of the switching intention to the cloud services. The switching factors to the cloud services were defined as perceived risk consisting of performance risk, economic risk, and security risk, and switching costs consisting of financial and learning costs. On the PPM model, we defined the pull factors consisting of perceived usefulness and perceived ease of use, and the push factor as satisfaction of the legacy system, and the mooring factor as policy supports. Findings The results of this study as follows; (1) Among the perceived risk factors, performance risk has a negative effect on the ease of use of pull factors, and finally it was found to affect the switching intention to the cloud services. Therefore, cloud service providers need to improve trust in cloud services, service timeliness, and linkage to the legacy systems. And it was found that economic risk and security risk among the perceived risk factors did not affect the switching intention to the cloud services. (2) Of the perceived risk factors, financial cost and learning cost did not affect the satisfaction of the legacy system, which is a push factor. It indicates that the respondents are positively considering switching to cloud service in the future, despite the fact that the respondents are satisfied with the use of the legacy system and are aware of the switching cost to cloud service. (3) Policy support was found to improve the switching intention to cloud services by alleviating the financial and learning costs required for cloud service switching.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제7권5호
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• pp.1213-1235
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• 2013

In this paper, we investigated the factors affecting the intention to use smartphone banking with a research model based on the Technology Acceptance Model (TAM) extended to include security risk, trust, and self-efficacy. With analysis after controlling factors such as age, gender, and previous experience of smartphone banking that may have effects, we conclude that perceived usefulness, perceived ease of use, security risk, and trust have direct effect on the intention to use smartphone banking, and self-efficacy has indirect effect on the intention to use through mediation of perceived ease of use. We performed a study to check the validity of TAM in the context of smartphone banking, and confirmed that perceived ease of use has both direct and indirect effect on the intention to use.