Go to the main menu
Skip to content
Go to bottom
REFERENCE LINKING PLATFORM OF KOREA S&T JOURNALS
> Journal Vol & Issue
The Journal of Information Systems
Journal Basic Information
Journal DOI :
The Korea Association of Information Systems
Editor in Chief :
Volume & Issues
Volume 16, Issue 4 - Dec 2007
Volume 16, Issue 3 - Sep 2007
Volume 16, Issue 2 - Jun 2007
Volume 16, Issue 1 - Mar 2007
Selecting the target year
Developing Corporate Credit Rating Models Using Business Failure Probability Map and Analytic Hierarchy Process
Hong, Tae-Ho ; Shin, Taek-Soo ;
The Journal of Information Systems, volume 16, issue 3, 2007, Pages 1~20
Most researches on the corporate credit rating are generally classified into the area of bankruptcy prediction and bond rating. The studies on bankruptcy prediction have focused on improving the performance in binary classification problem, since the criterion variable is categorical, bankrupt or non-bankrupt. The other studies on bond rating have predicted the credit ratings, which was already evaluated by bond rating experts. The financial institute, however, should perform effective loan evaluation and risk management by employing the corporate credit rating model, which is able to determine the credit of corporations. Therefore, this study presents a corporate credit rating method using business failure probability map(BFPM) and AHP(Analytic Hierarchy Process). The BFPM enables us to rate the credit of corporations according to business failure probability and data distribution or frequency on each credit rating level. Also, we developed AHP model for credit rating using non-financial information. For the purpose of completed credit rating model, we integrated the BFPM and the AHP model using both financial and non-financial information. Finally, the credit ratings of each firm are assigned by our proposed method. This method will be helpful for the loan evaluators of financial institutes to decide more objective and effective credit ratings.
Antecedents to Internet Privacy Concern and Their Effect on Perceived Trust for the Internet Transaction
Choi, Hyuk-Ra ; Shin, Jeong-Shin ;
The Journal of Information Systems, volume 16, issue 3, 2007, Pages 21~44
Internet privacy is named as one of the major barriers to the expansion and further development of e-commerce. This study is to identify the antecedents to Internet privacy concerns, to investigate the relationship of the antecedents and the perceived trust and to validate Internet privacy's effect on the perceived trust. A conceptual model which identifies Internet literacy and perceived vulnerability as antecedents to Internet privacy concern is proposed and tested based on the sample of 276 Internet users. Empirical findings show that Internet literacy affect Internet privacy concern negatively while perceived vulnerability affect positively. Also perceived vulnerability's effect on and privacy concern's effect on perceived trust has both directional negative support. Implications and further research agenda are provided with the limitation of the study.
An Exploratory Study on the Factors of Assimilation Gap in Information Technology at the Individual Level
Baek, Sang-Yong ;
The Journal of Information Systems, volume 16, issue 3, 2007, Pages 45~68
This study aims to explore factors of Assimilation Gap(AG) which is proposed and illustrated by Fichman and Kemerer(1997). AG is defined as the time delay between adoption and deployment and mainly studied at the organizational level. This study derives the factor affecting AG through a review of technology acceptance models and agency theory. The research model consists of three groups of independent variables(IT knowledge burden, Individual characteristics, and organization characteristics) and a moderator, which is goal incongruence. Using multiple regression analyses, four groups of hypotheses are tested with data of 221 knowledge workers from various organizations through e-mail survey. The result shows that radicalness(a dimension of knowledge burden), personal innovativeness, self-efficacy, and organizational support are statistically significant factors while complexity, experience, and perceived critical mass are not supported. The moderator effects of goal incongruence are found in personal innovativeness and organizational support. The results of this study demonstrate that agency theory is a useful perspective to deal with AG, especially in radical innovation. In addition, IT practitioners should consider not only user training but also incentives and possible organizational controls in implementing a new information technology.
An Empirical Study of the Determinants of Service Level Management and its Performance
Koo, Chul-Mo ; Nam, Ki-Chan ;
The Journal of Information Systems, volume 16, issue 3, 2007, Pages 69~90
Recently, Service Level Management(SLM) including SLA has been developing to manage the level of information systems service. Although previous SLA studies have provided the conceptual model and critical success factors, the studies have not tested the effectiveness of the SLA by way of the empirical study. In this study, we applied an innovation decision making theory to our model and tested an empirical study using of a firm survey data. We suggested a SLM model, which consists of SLA planning, application, management dimensions. We found that the SLM's management stage has an impact on performance, whereas SLM's planning and application has not. At each sub dimensional analysis, there are found that adequate SLA indicators in the application stage influences performance and change management and feedback & reporting in the management stage influence performance.
A Research for the Setup of Evaluation Standards and the Decision of an Investment Priority of Information and Communication Enterprises of the Government
Song, Aeu-Guen ; Kim, Sung-Eon ;
The Journal of Information Systems, volume 16, issue 3, 2007, Pages 91~108
To decide a reasonable investment priority of public enterprises, it is required to have an efficient evaluation standard. However, without having a standard, a budget for those enterprises has been allocated. In this research, for the efficient and reasonable budget allocation, it is discussed how to decide investment priority of information and communication enterprises of the government. In order to examine possible alternatives of the investment priority of information and communication enterprises of the government, seventeen enterprises were chosen from the enterprises of Ministry of Information and Communication. Public benefit, economic benefit, technology, politics, and step-up increase of budget were set up as evaluation standards and 16 specific standards were set up as subordinates. A hierarchical decision model was designed and analyzed by using AHP.
The Credit Evaluation System for Micro-small Sized Individual Firms Using the Analytic Hierarchy Process
Lee, Ju-Min ; Kim, Seung-Yeon ; Ha, Eun-Ho ; Roh, Tae-Hyup ;
The Journal of Information Systems, volume 16, issue 3, 2007, Pages 109~132
In the paper, we builds an advanced new credit evaluation system for Micro-small sized individual firms through appropriate evaluation factors derived by logistic regression analysis for credit evaluation model using in Korean Federation of Credit Guarantee Foundations, and the weights of factors computed by analytic hierarchy process(AHP). Industry characteristics are more applied to previous credit model with the additional the financial fact-information and non-financial judgement-information. Our results show that the financial factors have become more important than three years ago. Moreover, in the non-financial factors, the fact-information factors consider more important then the judgement-information factors. A new credit evaluation system is developed based on this credit evaluation model.
A Study of the Effects of Perceived Characteristics on Satisfaction and Continuous Usage Intention in Personal Communities
Chung, Young-Soo ; Jung, Chul-Ho ;
The Journal of Information Systems, volume 16, issue 3, 2007, Pages 133~159
The primary purpose of this study is to examine the effects of perceived characteristics on user satisfaction and continuous usage intention in personal communities. We developed a research model based on the literature reviews of personal communities, TAM, perceived risks, and satisfaction. The research model includes perceived playfulness, perceived ease of use, perceived usefulness, and perceived risk as perceived characteristics in personal communities. For validation of this theoretical model, we survey the users of 'Mini-hompy', one of the most popular personal communities in Korea. The research model was empirically verified by structural equation model analysis with data collected from 407 samples. Analysis of the results indicates that perceived ease of use is positively related perceived playfulness and perceived usefulness. Perceived playfulness, perceived ease of use, and perceived risks are significantly related to satisfaction. User's satisfaction has positive relationship with continuous usage intention in personal communities.