대학생의 정보만족도가 휴대폰 소액결제 이용과 피해경험에 미치는 영향- 휴대폰 소액결제 차단·한도 인지여부를 조절변수로 -

Abstract

This study tries to find out how College-student-consumers can reasonably use increasingly bigger small-scale transactions by cell phone and how they can be prevented from damage caused by the transactions, assessing how information satisfaction influences small-scale transaction by cell phone and damage and whether College-students are aware of blocking and limit of small-scale transaction by cell phone. The main results are as follows: First, the damages reported to Gyeonggido Consumer Information Center and relevant studies were examined and basic questions were developed to define the scale of College-student-consumer information satisfaction with small-scale transaction by cell phone. Unidimensionality, reliability, validity and fitness were verified by substantive research to define the scale of information satisfaction. Second, Structural Equation Modeling was analyzed to find out how College-student-consumer information satisfaction influenced small-scale transaction by cell phone and its damage. Information satisfaction before transaction showed negative influence on the level of damage experience and small-scale transaction level showed positive influence on the level of damage experience. Third, measurement equivalence and multiple group structural equation modeling were analyzed to investigate the moderator effect of awareness of blocking and limit of small-scale transaction by cell phone. As shown by the results of measurement equivalence analysis, the awareness group and the non-awareness group were identically aware of measurement instrument, thus measurement equivalence was considered adequate. Multiple group structural equation modeling was analyzed to investigate the moderator effect of awareness of blocking and limit of small- scale transaction by cell phone. Information satisfaction before transaction has no statistically significant influence on the College-student-consumers aware of blocking and limit in contrast to the College-student-consumer unaware of it. In addition, information satisfaction has a positive influence on small-scale transaction level in the case of the awareness group in contrast to the non-awareness group. The results of this study suggest that information impotance is conditioned by the time of information acquisition with regard to small-scale transaction by cell phone and damage prevention and it is necessary to seek measures to protect small-scale transaction users by supplying adequate information in each phase of purchase decision-making process.