• 한국의류학회지
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• 제40권1호
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• pp.148-157
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• 2016

In this study, the notion of payment intention price was introduced and examined in relation with self-image congruence, clothing preference and two types of reference price: expected price and fair price. One hundred samples of female collegiate students participated in the group survey and responded to the instrument including variables of clothing image evaluation, clothing preference, reference price, payment intention price toward a one-piece dress as the stimulus, and ideal self-image perception. Descriptive statistics, correlations, and regressions were applied on data analysis. The results were as follow. Payment intention price was determined by clothing preference and fair price, and the explaining power of fair price was greater than clothing preference. One confirmatory path was observed that self-image congruence effects clothing preference, and then clothing preference effects payment intention price. The other confirmatory path was from expected price to fair price and fair price to payment intention price.

• ETRI Journal
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• 제39권1호
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• pp.135-144
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• 2017

Recently, mobile phones have been recognized as the most convenient type of mobile payment device. However, they have some security problems; therefore, mobile devices cannot be used for unauthorized transactions using anonymous data by unauthenticated users in a cloud environment. This paper suggests a mobile payment system that uses a certificate mode in which a user receives a paperless receipt of a product purchase in a cloud environment. To address mobile payment system security, we propose the transaction certificate mode (TCM), which supports mutual authentication and key management for transaction parties. TCM provides a software token, the transaction certificate token (TCT), which interacts with a cloud self-proxy server (CSPS). The CSPS shares key management with the TCT and provides simple data authentication without complex encryption. The proposed self-creating protocol supports TCM, which can interactively communicate with the transaction parties without accessing a user's personal information. Therefore, the system can support verification for anonymous data and transaction parties and provides user-based mobile payments with a paperless receipt.

• International Journal of Advanced Culture Technology
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• 제8권1호
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• pp.38-43
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• 2020

This study examines the factors affecting the usage and diffusion of mobile easy payment services which is fast growing industry recently. After wide reviewing previous research about mobile payment, Some factors are identified as the factors influencing intention to use mobile easy payment services-confidence, innovativeness, mobile self-efficacy, relative advantage- through several mediating factors- perceived ease, perceived usefulness, perceived risk. Empirical study for a research model showed confidence, mobile self-efficacy and relative advantage are effective to the intention to use mobile easy payment services via perceived usefulness and perceived risk. Based on the results of the study, some practical implication for customer retention and acquisition are suggested.

• 한국IT서비스학회지
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• 제21권1호
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• pp.21-40
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• 2022

Advances in information and communication technology have introduced self-service technologies (SSTs) to service companies, changing the way they serve. In addition, as SSTs are expanding for low cost and high efficiency, opportunities for technology to interact with consumers have increased. Restaurant managers have the advantage of the SSTs win-win strategy, which allows consumers to freely receive the products or services they want, but some consumers have low satisfaction of the SSTs, especially elder people and the blind. This study examines the effect of unmanned order payment technology on service quality evaluation. For this, we interviewed a total of 12 consumers in their 10s to 50s with the experiences of using unmanned order payment technology, applying the Grounded Theory Method(GTM). Through a review of the research participant interview materials, totally 84 concepts were derived and the concepts were analyzed to derive 15 subcategories and 10 upper categories. Finally, a paradigm model of the effect of unmanned order payment technology on service quality assessment was derived. It also found the importance of consumers' sense of obligation to use unmanned order payment technology, recognition of advantages (e.g., time savings), recognition of shadow labor, and recognition of whether the technology usage process is in the service quality assessment stage.

• 디지털융복합연구
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• 제16권4호
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• pp.137-147
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• 2018

이 연구에서는 학부생과 대학원생 188명을 대상으로 기술수용모델 변인과 개인 특성 요인, 위험 지각 요인이 모바일 간편결제 이용의도에 미치는 영향에 대해 알아보고자 하였다. 더불어 문화차원 변수인 자기해석이 이러한 영향요인의 효과를 조절하는지 검증하였다. 연구 결과, 인지된 유용성과 주관적 규범, 혁신성, 프라이버시 위험이 모바일 간편결제 이용의도에 긍정적인 영향을 미치고 있었던 반면, 이용 용이성과 자기효능감, 성능 위험은 영향을 미치지 않는 것으로 나타났다. 또한 이 연구에서 조절변인으로 설정하였던 자기해석은 지각된 유용성과 이용 용이성, 주관적 규범이 모바일 간편결제 이용의도에 미치는 영향력을 조절하는 것으로 나타났다. 이는 TAM을 통해 기술수용을 과정을 이해하고자 할 때 자기해석과 같은 문화차원 변인을 고려해야 할 필요성을 시사한다. 본 연구는 자신과 타인을 구분하는 메커니즘으로서 자기해석이 모바일 간편결제 이용의도에 미치는 영향력을 검증함으로써 여러 이론적 실무적 시사점을 제공하고 있다.

• 아태비즈니스연구
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• 제12권3호
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• pp.1-36
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• 2021

Purpose - This empirical study, aims to identify the determinants of adoption and acceptance of mobile payment as to understand why it is successful in some countries in Sub-Saharan Africa but failing in others. A comparative study of a successful mobile payment service and a purported failed one was done as to have some insights to the factors affecting acceptance of the technology. Design/methodology/approach - The strength of three notable theories: theory of diffusion of innovation (DOI), the extended unified theory of user acceptance of information technology (UTAUT2) and self-efficacy theory were use. The self-efficacy of government support inclusion as, a moderating variable in the form of infrastructure, securing transaction and price value revealed the relevance of government in the success of mobile payment service. By means of a field survey of 705 subjects in two separate regions of Africa (East and West), the data was collected and use to test the research model. Findings - The study result shows the importance of the moderating factor of government support to the success of mobile payment of any nation. The result also shows the importance of the perception of relative advantage, compatibility, complexity, social influence as already revealed by other studies. Research implications or Originality - Mobile payment success in some part of Sub-Saharan Africa is well known but also suggested to fail in some Sub-Saharan African countries. Buttressing the need for understanding of the factors affecting mobile payment acceptance. This article empirically examined the factors influencing the success of mobile payment, and we implicated that if the implementation of mobile payment is to be successful for mobile commerce in any nation, adoption, acceptance and use by its citizen is imperative.

• 유통과학연구
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• 제21권11호
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• pp.67-75
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• 2023

Purpose: The study is focused on understanding consumer behaviour related to credit card use in retail payment or identifying factors that influence risk perception. Research design, data and methodology: Based on data collecting from structured self-administered questionnaires of 247 Vietnamese bank account payers, this study uses the Cronbach alpha analysis, the factor analyses, the structural equation modeling to assess the research's measurement model and structural model with the presence of knowledge, propensity to trust, self-efficacy, risk perception, intended use and their complex, intertwined relationships. Results: The results reveal that customer's perceived risk, which is affected by their self-efficacy and propensity to trust, negatively impact on their intended use of credit cards in retail payment. However, there is no evidence of the significant influence of consumer knowledge on how they assess potential losses of credit card. Conclusions: These findings provide a better understanding of consumer risk perception, its antecedents and consequence in a direction of credit card adoption. Bank managers or marketers should focus on increasing the information about credit cards and issues related to credit card use in retail payment, promoting mechanisms to encourage customers to participate in the credit card experience.

• 한국산학기술학회논문지
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• 제11권9호
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• pp.3239-3248
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• 2010

본 연구의 목적은 전자결제의 서비스품질과 사회화요인, 자기효능감의 조절효과를 통해 전자결제의 수용의도에 미치는 영향력을 분석하고자 한다. 이를 위해서 구조화된 설문지를 이용하여 2,331명의 전자결제 사용경험자로부터 자료를 수집하였고, 수집된 자료는 회귀분석을 이용하여 분석하였다. 그 결과, 보안성, 반응성, 매스미디어, 구전, 보안성과 자기효능감의 상호작용이 전자결제 수용의도에 정(+)적인 영향을 미친 것으로 나타났다. 이러한 연구 결과를 통해 전자결제 수용의도의 영향력을 단순히 서비스품질만을 통해 설명하는 것보다 사회화의 영향력 및 자기효능감의 조절변수를 통해 설명하는 것이 더 적합하다는 것이 증명되었다.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제6권11호
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• pp.2956-2979
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• 2012

Along with the development of Information Technology, online transactions through Internet have become more popular for the reasons of convenience and efficiency. In order to provide secure and reliable online transactions, an effective electronic payment protocol is crucial. In this paper, we propose a novel electronic payment protocol for digital product transactions with an offline arbiter to achieve fair exchange, automated dispute resolution, customer anonymity, and customer unlinkability. In our protocol a product token is adopted to eliminate the need of key management for digital product decryption in the offline arbiter. In addition, Elliptic Curve Cryptography (ECC)-based self-certified public key is utilized to further reduce computing overheads. According to our analysis, the efficiency of our protocol can be greatly increased in comparison with previous literatures.

• 대한가정학회지
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• 제42권11호
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• pp.123-136
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• 2004

The Purpose of this study was to investigate the effects of self-efficacy on the early childhood teachers' self-concept and job satisfaction. 191 early Childhood-teachers were surveyed for this study. Spss/pc was run for statistical data analysis. This study abstracted that the most important factors for Early Childhood-teachers to have Self-efficacy are life self, duty, working environment, payment, and promotion opportunity and concluded that the more payment and promotion opportunity, the more Self-efficacy teachers have. In conclusion, this study implies that retraining and teaching programs for teachers need to be accessed variably, considered with the results of this paper.