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        검색결과 4

        1.
        2014.07 구독 인증기관·개인회원 무료
        The objective of this study is to test how five theory-driven adoption barriers and three key consumer demographics influence consumer adoption versus rejection decisions in two seemingly similar service innovations. The earlier literature on innovation diffusion recognizes two streams of research: one focusing on innovation adoption and acceptance of innovations, and the other stream, though less traveled, calling attention to innovation resistance. All innovations face a certain degree of resistance among consumers depending on consumer characteristics and the innovation itself. The literature argues that consumers can simultaneously express views that are both favorable and unfavorable towards the innovations (Ferreira, da Rocha, & da Silva, 2014) and thus both resistance and adoption can coexist during the lifetime of an innovation (Ram, 1987). Thus it is reasonable to explore how innovation resistance influences consumer decisions in different service innovations. Initially scholars explained resistance to innovations through two constructs, habit or satisfaction with an existing behavior and perceived risks associated with innovation adoption (Sheth, 1981). Ram and Sheth (1989) provide a more comprehensive view to the phenomenon by explaining consumer resistance through functional and psychological barriers that they further divide into five distinct barriers, namely usage, value, risk, tradition and image. This study tests how these five adoption barriers as well as three consumer demographics, gender, age, and income, influence consumer adoption versus rejection decisions in Internet and mobile banking. An effective total sample size of 1,736 consumer responses were collected from Finland. Logistic regression analysis finds that the value barrier is the strongest inhibitor of Internet and mobile banking adoption. In addition, while the image barrier slows down mobile banking adoption, the tradition barrier explains the rejection of Internet banking. In addition, age greatly explains this behavior and the results show that younger segments have a significantly greater likelihood of Internet banking adoption than their older counterparts. Contrary to Internet banking, it appears that gender significantly contributes to mobile banking adoption and the intention to use it. The results predict that males have nearly two times greater likelihood towards adoption compared to females.
        2.
        2008.09 KCI 등재 구독 인증기관 무료, 개인회원 유료
        인터넷이 발전해감에 따라 사이버 세계라고 하는 또 다른 세상이 창출되었다. 그러나 정보보호의 취약성 때문에 인터넷 게임과 인터넷 뱅킹 서비스를 이용하는 사용자들의 안전성이 보장되지 않고 있는 실정이다. 이처럼 불법 침입자들로부터 선의의 이용자를 보호하기 위한 대응책을 채택하고자 본 논문에서는 인터넷 게임과 뱅킹의 개선된 인증과정을 통하여 일반 사용자들도 이러한 정보들에 손쉽게 접근할 수 있게 하여 더욱더 인증보안이 강화된 알고리즘을 설계하고 구현해 보았으며 기존의 인증보안 방식과도 비교하여 설문조사를 해 본 결과를 바탕으로 새로운 인증방법을 적용해 보는데 그 목적이 있다.
        4,000원
        3.
        2003.06 KCI 등재 구독 인증기관 무료, 개인회원 유료
        Next Generation internet banking service for important role of banking business competitive power separates service function of individual banking and should equip various service that coincides in each special qualities these are customer management, portfolio management, global corporation support etc. The past few years have been characterized by rapid changes in technology and the introduction of corporate and retail banking services through the Internet. the integration of e-banking platforms with legacy systems and the increasing dependence of banks on third party information service providers, all dramatically amplify the magnitude of risks to which banks are exposed. Risk management disciplines have not evolved at the same speed and many institutions, especially the smaller ones, have not been able to incorporate Internet banking risk controls within their existing risk management structures. This article provides an overview of the various risks which are heightened with Internet banking, and a holistic approach to managing these risks. In addition, the presentation will explain the different risk areas and the controls to be adopted to mitigate these risks.
        4,200원
        4.
        2020.11 KCI 등재 SCOPUS 서비스 종료(열람 제한)
        This study aims to examine the effect of perceived usefulness (PU), perceived ease of use (PEU), trust (TR), subjective norm (SN), and attitude (AT) on customer’s Intention to Adopt Internet Banking (IAIB) at Islamic banks and conventional banks before and during the Covid-19 pandemic in Indonesia. The research model is based on the Theory of Planned Behavior (TPB) and the Technology Acceptance Model (TAM). This study involves 213 respondents for Islamic banks and 410 respondents for conventional banks from 25 provinces in Indonesia. Data was analyzed using partial least square (PLS) regression with the Structural Equation Model (SEM) method. The result of data analysis confirms several hypotheses taken from the literature. The results before the Covid-19 pandemic showed that AT and SN influence IAIB in Islamic banks. Whereas in conventional banks, AT, PU, SN, and TR influence IAIB. While during the Covid-19 pandemic, it shows that the AT, PU, IB, SN, and customer TR influence IAIB in Islamic banks and conventional banks. From the analysis, it was found that the PEU variable did not have a significant effect on the intention of customers of Islamic banks and conventional banks to use Internet banking.