온라인과 오프라인의 신회의 영향변수와 결과변수에 관한 연구
Antecedents and Consequences of Trusts in On and Off Line in Internet Banking
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본 연구의 목적은 인터넷뱅킹과 지점뱅킹을 동시에 사용하고 있는 고객들을 대상으로 하여 그들의 인터넷채널에 대한 충성도를 향상시키는데 있어 중요한 변수인 신뢰와 관계결속과 그것의 영향변수인 공유가치, 커뮤니케이션, 기회주의와의 관계를 온라인과 오프라인 채널을 통하여 동시에 고찰하고, 온라인과 오프라인 채널에 대한 신뢰의 상호작용과 그 역할을 고찰하는 것이다. 변수들간의 인과관계를 검정하기 위하여 LISREL 분석을 실시한 결과 다음과 같은 결론을 얻을 수 있었다. 첫째, 온라인 환경에서는 공유가치, 커뮤니케이션, 기회주의 모두 관계결속에 중요한 영향변수로 나타났다. 둘째, 온라인 채널과 오프라인 채널에 대한 신뢰는 서로 밀접한 관계가 있는 것으로 나타났다. 셋째, 온라인 채널에 대한 고객 충성도에 온라인 채널에 대한 신뢰뿐만 아니라 오프라인 채널에 대한 신뢰도 영향을 미치는 것으로 나타났다.
Abstract
The purposes of this study are following. First, we want to review the relationship between trust and precedent variables including shared value, communication and opportunistic behavior in the on-line and off-line channel. Second, building the relationship among variables from previous research, we develop the research model. Third, based on the empirical analysis, we want to build the relationship among variables. Fourth, based on results of analysis, we want to elicit implications for marketing management from the trust in on-line channel in order to enhance the relationship commitment and customer loyalty. Theoretical implications of this study are following. First, under the multiple channel retailing environment, trust in on-line channel is influenced by the trust in off-line channel that the company is operating. Previous researches couldn't found this result because these researches divided on-line and off-line channel separatedly. Second, under the multiple channel retailing environment, on-line or off-line relational attributes including shared value, opportunistic behavior and communication have a effect on trust or relationship commitment. So, shared value, opportunistic behavior and communication are very important variables having a effect on trust and relationship commitment in not only off-line channel but also on-line channel. Third, trust and relationship commitment were important mediate variables in multiple channel environment. This result goes with previous researches in single channel.
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