• Title/Summary/Keyword: personal influence

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A Study on the Intention of Financial Consumers to Accept AI Services Using UTAUT Model (통합기술수용이론을 이용한 금융소비자들의 인공지능 서비스 수용의도 연구)

  • Kim, Sun Mi;Son, Young Doo
    • Journal of Korean Society for Quality Management
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    • v.50 no.1
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    • pp.43-61
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    • 2022
  • Purpose: The purpose of this study was verifying factors that affect to intention to use AI financial services and finding a way of building an user oriented AI ecology. Methods: This study used the UTAUT (Unified Theory of Acceptance and Use of Technology) model with independent variables such as performance expectancy, effort expectancy, social influence, facilitating conditions, trust, personal innovativeness and AI understanding as moderating variable. The data was collected through online & offline survey with questionnaire from 330 financial customers. Results: As a result, the analysis suggested that the performance expectancy, social influence, facilitating conditions, personal innovativeness are statistically significant to the intention to use AI. It was also found that AI knowledge of users differently influence the intention to use through the moderating effect on the facilitating conditions. Conclusion: Performance expectancy, social influence, facilitating conditions, personal innovativeness have positive causation to the intention to use in AI financial service. On the facilitating conditions, unlike other variables, it was found that the user's intention to use was different by the level of AI understanding. It means that customers could have the strong intention to use AI even though they don't have enough pieces of knowledge on the factors. Customers seem to be of recognition that the technology has certain benefits for themselves. The facilitating factors are significantly affected by AI understanding and differently effect on the intention to use AI.

Motivating Factors for Providing Personal Data in MyData Services: The Moderating Effect of Perceived Personal Information Self-Determination (마이데이터 서비스 이용을 위한 개인정보제공 동기 요인: 개인정보자기결정권 인지 수준의 조절효과)

  • Hyeonjeong Kim;Soohyun Kwon;Jeongu Choi;Beomsoo Kim
    • Knowledge Management Research
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    • v.25 no.2
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    • pp.219-243
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    • 2024
  • This study investigates the impact of privacy concerns, perceived utility, and awareness of the right to personal data self-determination on the effective use and expansion of MyData services, which are critical to the data economy. Integrating the value-based adoption model with privacy calculus theory, the research examines how perceived utility, privacy concerns, trust, and personal innovativeness influence perceived value, perceived privacy, and the intention to provide personal information. Data collected from an online survey of 442 MyData service users and prospective users were analyzed using PLS-SEM and Bootstrapping methods via SmartPLS 4. The results indicate that perceived utility positively affects the intention to provide personal information, while privacy concerns have a negative impact. Trust and personal innovativeness positively influence the intention to adopt MyData services, and the awareness of personal data self-determination rights moderates these intentions. The findings underscore the importance of developing beneficial services that mitigate users' privacy concerns and build trust for the successful implementation of MyData services. Additionally, the study highlights the need for education and awareness campaigns to enhance understanding of the right to personal data self-determination.

College Student Consumers′ Attitude toward the Internet Shopping, Internet Purchase Behavior, and Purchase Satisfaction (대학생 소비자의 인터넷 쇼핑에 대한 태도와 쇼핑행동, 쇼핑만족도)

  • 홍은실;황덕순
    • Korean Journal of Human Ecology
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    • v.6 no.1
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    • pp.1-13
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    • 2003
  • This study attempts to investigate attitude toward internet shopping. internet purchase behavior. and purchase satisfaction of college student consumers. The data used for this study were collected from 361 college students who is living the southern part of Korea. and purchased goods and services on the internet at least one time during the previous 12 months. in Autumn, 2001. Data analysis were carried out using SAS package. Statistics used for data analysis were Cronbach'$\alpha$, Pearson's correlation analysis, and multiple regression. The results were summarized as follows : First, college student consumers in general are favorable to the internet shopping. The variable that has significant influence on the attitude toward the internet shopping was the web searching competence. Second, the variables that have significant influence on the internet purchases were the number of site visits, internet using time, credit card possession. personal income, and web searching competence. Third, the variables that have significant influence on the amount of internet purchases were personal income, internet using time, number of site visits. and credit card possession. Fourth, the variables that have significant influence on the satisfaction with internet shopping were internet shopping attitude and web searching competence.

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Factors Influencing the Provision of Personal Information in Electronic Government Services (전자정부서비스에 대한 개인정보제공의 영향요인)

  • Park, Jung Ae;Son, Dal Ho
    • The Journal of Information Systems
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    • v.26 no.1
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    • pp.53-73
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    • 2017
  • Frequent outbreak of intrusion of private information is occurring recently not only at portal sites but also in electronic information service of public agencies. Due to these intrusions, it is observed that the citizens tend to avoid providing their private information even to the service for public agencies. Therefore, the object of this research can be explained as demonstrating the influence of the intention of provision for private information to foster the selectronic information ervice of the public agencies. In order to achieve this, this research intends to demonstrate how the experience of the intrusion of the private information affects the concern about the privacy and how the information factor from the public electronic information service has influence on the reliability toward the public. The results showed that the experience of intrusion of privacy, awareness of the danger of privacy, and the sense protection of the information from the manager at public agencies have direct influence on the concern of privacy. Meanwhile, it has been verified that the awareness of information protection of a manager, the systemicity of information protection, and the surveillance and punishment of information protection have influence on the reliability of public agencies.

Correlations between Self-esteem, Sociality, and Subjective Appearance Satisfaction among College Students (대학생의 자아존중감과 사회성, 주관적외모만족 간의 연계성)

  • Eun-Seo Heo;Koh-Mi Cho
    • Fashion & Textile Research Journal
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    • v.25 no.4
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    • pp.481-489
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    • 2023
  • This study aims to explore the relationships between self-esteem, sociality, appearance satisfaction, and subjective appearance satisfaction among college students. A self-administered questionnaire was used to survey students from 4-year colleges in Gwangju Metropolitan City. The findings reveal that personal self-esteem significantly impacts autonomy and activity, while social self-esteem significantly affects sociability and activity. Both physical and psychological self-esteem exhibit a significant influence on sociability, autonomy, and activity, underscoring their pivotal role in shaping social interactions. Further, both social and physical self-esteem significantly affect subjective appearance satisfaction, while bearing no significant influence on personal and psychological self-esteem. Thus, all self-esteem factors influence subjective appearance satisfaction, although some are not statistically significant. In addition, both sociability and activity display a statistically significant influence, whereas autonomy exhibits no such significance. This underlines the centrality of subjective appearance satisfaction in fostering sociability and activity. In sum, the outcomes underscore the interconnectedness of self-esteem, sociality, and subjective appearance satisfaction in college students. Moreover, the results indicate that higher subjective appearance satisfaction is linked with increased perceptions of self-esteem and sociality. Therefore, the development of programs oriented toward enhancing self-esteem and sociality among college students is imperative, enabling them to navigate their academic and social experiences with self-assurance.

An Empirical Study on the Effects of Personal and Systematic Characteristics on the Acceptance of Technologically Innovative Products - With Focus on Cloud Computing - (개인특성 및 시스템특성이 기술혁신제품의 수용에 미치는 영향 연구 - 클라우드 컴퓨팅을 대상으로 -)

  • Park, Cheol-Woo;Jeong, Hae-Joo
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.7 no.2
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    • pp.63-76
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    • 2012
  • The possibility of successful commercialization of technologically innovative products depends on the degree to which consumers select and utilize the product. Therefore, the research that endeavors to find the usage behavior and the acceptance intention of users of technologically innovative products is a very important quest. This study empirically analyzes the factors that influence commercialization of a technologically innovative product: cloud computing. Existing studies examined acceptance intentions by expanding the TAM model and excluded attitude and usage behavior. This study determined attitude, usage behavior and personal characteristics of consumers to be important influencing factors. The results of the empirical analysis are as follows: First, the self-efficacy of personal characteristics had a significant effect on ease of use and acceptance intention and perceived costs had a significant influence on the factors of perceived usefulness and perceived ease of use. Second, research on the systematic characteristics of cloud computing confirmed that security was an important factor affecting acceptance intention while innovativeness was critical to ease of use. Third, of the usage characteristics among users of technologically innovative products, perceived usefulness had an effect on the acceptance and usage behavior of cloud computing, and perceived ease of use had an important influence on perceived usefulness. Currently, when cloud computing services have not yet become widespread to the public, this study proposed meaningful results for policy direction and commercialization strategies by revealing variables that influence acceptance and usage behavior.

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A Study of Factors Influencing on Watching Personal Game Webcasting (1인 게임방송 시청에 영향을 미치는 요인에 관한 연구)

  • Choe, Min-Ji;Park, Jeong-Min;Noh, Ghee-Young
    • Journal of Korea Game Society
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    • v.16 no.6
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    • pp.39-48
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    • 2016
  • This study intended to find out the influence of media usage motivations including Wishful Identification toward BJ, Entertainment, Passing Time, Information Seeking on watching personal game webcasting, based on Use & Gratification Theory. We conducted a survey of 395 audiences who had experienced in watching personal game webcasting and analyzed collected data using hierarchical regression analysis. First, we put and analyzed demographic factors of audiences in model 1. After that, we added media usage motivations in model 2. As a result of the study, gender and age in model 1 and age, Wishful Identification and Entertainment in model 2 are found to have a significant influence on watching personal game webcasting respectively.

Intention to Use Mobile Delivery Application Services, Depending on Personal Innovativeness and Self-Efficacy (개인혁신성과 자기효능감이 모바일 배달 어플리케이션 서비스 이용의도에 미치는 영향)

  • Park, Min-Hee;Kwon, Mahnwoo
    • The Journal of the Korea Contents Association
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    • v.17 no.5
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    • pp.440-448
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    • 2017
  • This study aims to determine the factors affecting people's intention to use mobile delivery application services. The technology acceptance model (TAM) was employed and a survey was conducted on 300 delivery application users. As a result, personal innovativeness was found to have a positive effect on perceived ease of use and perceived playfulness. Self-efficacy turned out to have a positive influence on perceived ease of use and perceived playfulness. Next, perceived ease of use was found to positively affect both perceived usefulness and perceived playfulness, and perceived usefulness and playfulness had a positive effect on the intention to use the service as well. Lastly, personal innovativeness and self-efficacy were found to have a significant indirect influence on the intention to use the service. This study suggests users can be induced to voluntarily and continuously use the service, if their personal characteristics and perception of the service are considered in the future development of the service.