• 한국컴퓨터정보학회논문지
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• 제24권5호
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• pp.179-186
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• 2019

While there have been a lots of studies on the use of cyber money, few researches proposed the results on relationships among quality factors, usage intention, and usage characteristics of cyber money in online business environment. Therefore, this study investigates the relationships between cyber money quality and usage intention of cyber money, and examines whether the usage characteristics(frequency, amount) of cyber money has moderating effect on the relationship between cyber money quality and usage intention of cyber money. Firstly, multiple regression analysis tells significant causal relationship between functional and emotional factors of cyber money quality and usage intention of cyber money. Secondly, dummy regression analysis shows usage characteristics of cyber money has the moderating effect on the relationship between cyber money quality and usage intention of cyber money. This paper concludes with some implications for both theory development and cyber money practice.

• 한국컴퓨터정보학회논문지
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• 제24권12호
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• pp.175-182
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• 2019

최근까지 온라인 비즈니스 환경에서 사이버머니의 이용과 관련한 다수의 연구들이 진행되었음에도 불구하고 이들 대부분의 연구들은 사이버머니 이용자의 특성과 사이버머니 품질간의 관련성을 심층적으로 제시하지는 못하고 있는 것이 현실이다. 이에 따라, 본 연구에서는 사이버머니 이용경험이 있는 사람들을 대상으로 설문조사를 실시함으로써, 향후 사이버머니의 활성화 측면에서 어떠한 사이버머니 품질특성을 가장 중요하게 인식하고 있는가를 파악하고자 하였다. 또한, 이러한 사이버머니 품질특성에 대한 인식도가 사이버머니 이용자의 인구통계적 특성과 사이버머니 이용특성에 따라 어떻게 달라지는가를 조사하고자 하였다. 분석결과, 사이버머니 품질특성에 대한 인식도가 사이버머니 이용자의 성, 연령, 사이버머니 이용빈도에 따라 달라짐을 확인할 수 있었다. 본 연구에서의 분석결과는 다양한 온라인 비즈니스 환경에서 사이버머니의 이용방안을 모색하고 있는 국내외 다수의 기업들에게 다양한 시사점을 제공할 수 있다고 판단된다.

• 한국경영과학회지
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• 제29권2호
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• pp.97-116
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• 2004

Recently, e portion of on-line stock brokerage has been rapidly increased to be more than 50%, on the basis of contracted money. The usage of wCTS(Web Based Cyber Trading Systems) has now got into the steady state over the initial diffusion stage, which means wCTS has got more-than-half customer base in on-line service. Therefore, brokerage service providers have their competitive strategic focus on customer retention through the enhancement of customer loyalty. This study provides framework and survey results on explanation of wCTS user's loyalty, what and how factors affect wCTS user's loyalty. We adopt the results of early studies on information technology acceptance and diffusion such as TAM(Technology Acceptance Model) and IDT(Innovation Diffusion Theory). We also referred loyalty theory of marketing area and studios on CTS usage. We categorized explanation factors as three groups characteristics of users, characteristics of system, social environment. And we assumed that these three factors could affect the loyalty through two parameters : customer satisfaction and trust to the system. This study firstly shows that the ease of use and usefulness, the major factors of TAM. can also be applied to the loyalty of wCTS with resulting that the usefulness is more important than the ease of use In wCTS. Secondly, it shows that the innovative and risk-sensitive user has the lower degree of loyalty. Thirdly, it shows that the satisfaction and trust impact the loyalty simultaneously, the trust particularly impacts more strongly than the loyalty, due to the characteristics of monetary transaction in wCTS. This study provides meaningful results to the other on-line EC service fields as a first empirical research regarding the loyalty to wCTS which is a typical on-line EC service.