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가치기반수용모형과 개인의 혁신성을 적용한인터넷전문은행의 지속적 사용의도
이건용 인문사회 21 2022 인문사회 21 Vol.13 No.6
Intention to Use Internet-only Banks Applying Value-basedAdoption Model and Individual InnovationKeonyong Lee Abstract: The purpose of this study is to analyze the relationship between Internet-only bank users' perceived value and continuous use intention, and to analyze the effect of user innovation on the benefits and risks that determine perceived value. For the analysis, data from 309 people were collected using a structured questionnaire targeting internet-only bank users and analyzed using a structural equation model. As a result of the analysis, it was found that the user’s perceived value is determined by benefits and risks, and the perceived value affects the intention to continue using. In addition, it was found that user's innovativeness increases the level of perception of benefit and decreases the perception of risk. This study provides important information for the continuous growth of Internet-only banks by analyzing users’ continuous intention to use Internet-only banks from a new perspective. In addition, the need for development and publicity of various financial services and word-of-mouth marketing targeting users was presented in order for internet-only banks to increase user value for continuous growth. Key Words: Continuous Intention to Use, Perceived Value, Perceived Benefit, Perceived Risk, Individual Innovation 가치기반수용모형과 개인의 혁신성을 적용한인터넷전문은행의 지속적 사용의도이 건 용* 연구 목적: 이 연구는 인터넷전문은행 사용자의 지각된 가치와 지속적 사용의도 간의 관계를 분석하고, 지각된 가치를 결정하는 혜택과 위험에 사용자의 혁신성이 미치는 영향을 분석하는 데 있다. 연구 방법: 인터넷전문은행 사용자를 대상으로 구조화된 설문지를 활용하여 309명의 자료를 수집하여 구조방정식모형으로 분석하였다. 연구 내용: 사용자의 지각된 가치는 혜택과 위험에 의해 결정되며, 지각된 가치는 지속적 사용의도에 영향을 미치는 것으로 나타났다. 또한, 사용자의 혁신성은 혜택에 대한 지각수준을 높이고, 위험에 대한 지각은 감소시키는 역할을 하는 것으로 나타났다. 결론 및 제언: 이 연구는 인터넷전문은행의 사용자의 지속적 사용의도를 새로운 관점에서 분석함으로써 인터넷전문은행의 지속적인 성장에 중요한 정보를 제공하고 있다. 아울러 인터넷전문은행이 지속적인 성장을 위해 사용자 가치를 높이기 위해 다양한 금융서비스의 개발과 홍보, 사용자를 대상으로 한 구전 마케팅의 필요성을 제시하였다. 핵심어: 지속적 사용의도, 지각된 가치, 지각된 혜택, 지각된 위험, 개인의 혁신성 □ 접수일: 2022년 12월 1일, 수정일: 2022년 12월 15일, 게재확정일: 2022년 12월 20일* 숭실대학교 컴퓨터학과 박사과정(Doctoral Course, SoongSil Univ., Email: leekeonyong@gmail.com)
이건용 한국음악학회 1984 한국음악학회논문집 음악연구 Vol.3 No.1
What the author means by Korean music is not necessarily related to either traditional Korean music of the past or western-oriented Korean music of the present. In the course of the study the author attempted to introduce a new definition of the term Korean music in order to develop a desirable mode of thinking about music in relation to the growth and well-being of Korean society as a whole. The western-oriented composers in Korea have experimented for developing a new type of works which can be uniquely characterized by Korean-based musical composition. The first generation of Korean composers after the introduction of western compositional techniques around the turn of the century tried to compose original works utilizing pre-existing folk music idioms in the structure of western melodic type. The second generation of the composers in Korea attempted to creat a different type of music in an effort to transform the way western composers in the common practice period manipulate the musical materials into Koreanized compositional technique. The third generation being influenced by the contemporary musical technique from the west has challenged to bring genuinely Korean timber, micro-interval, vibrato, etc. into newly created works. The author believes that the approaches of three generations mentioned above seem to incline to ideological mind. What the author means by ideological mind refers to those person who sticks with one dogmatic ideology. In order to find a promising answer for creating Korean-based musical style, the author therefore suggests an alternative solution in terms of dialectic approach. Dialectic approach means here not to give any definite answer but continuously negate the answer until optional means to meet those ends which has been mentioned earlier.