The Effects of Characteristics of User and System on the Perceived Cognition and the Continuous Use Intention of Fintech

핀테크(fintech) 사용자와 시스템 특성이 지각된 인식과 지속사용의도에 미치는 영향

  • Lee, Jun-Sang (Division of Product Design Engineering, Dong-Eui University) ;
  • Park, Jun-Hong (Division of Business Administration, Honam University)
  • 이준상 (동의대학교 디자인공학부) ;
  • 박준홍 (호남대학교 경영학부)
  • Received : 2017.11.13
  • Accepted : 2018.01.20
  • Published : 2018.01.28


The purpose of this study is to investigate the factors that affect the perceived awareness and the intention of continuous use by FinTech users and system characteristics. Data collection was carried out by targeting and surveying 600 people living in Gwangju, and office workers using smartphones. As a result, first, self-efficacy, innovation, and fitness for Fin-Tech services were found to influence the degree of perceptual awareness and intent to use of Fin-tech service users. Second, the system characteristics have a positive effect on perceived awareness and intention of using FinTech service. Third, the hypothesis about the dangers in the user attributes and system properties were dismissed. It seems that the priority concern was regarding the leakage of personal information and security as privacy and the increasing damage cases of financial fraud by electronic financial transactions spill. Therefore, in order to spread FinTech services, it would be effective if a Fin-Tech service strategy could eliminate inconveniences such as the risk of hindering convenience and intention to use by the marketing strategy established by the company.


Supported by : 동의대학교


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