A Study on Reuse Intention of the Easy Payment Service

간편 결제서비스 재사용의도에 관한 연구

  • Kim, Jun-Woo (Dept. of Business Administration, Incheon National University) ;
  • Nam, Jung-Ki (Dept. of Business Administration, Incheon National University) ;
  • Jeon, Dong-Jin (Dept. of Business Administration, Incheon National University)
  • Received : 2018.03.22
  • Accepted : 2018.11.20
  • Published : 2018.11.28


The purpose of this study is to design the easy payment service research model and to find the influencing effect on the intention for the reuse of easy payment service by analysing the factors such as the social influence, the promotion condition, the security and the convenience as UTAUT model has. Also the research model employs the trust and the user satisfaction as parameters. The result shows that even though people feel the trust due to the convenience by the social influence, it has a negative influence on the user satisfaction if the risk recognized in the easy payment service and the weakness in the security are anticipated. The results of this study are academically meaningful as they established the research model for the easy payment service and the theoretical basis of the easy payment service area; they have provided the various practical implications.


Fintech;Convenient Payment System;Security;Convenience;Intention to Reuse

DJTJBT_2018_v16n11_303_f0001.png 이미지

Fig. 1. Research Model

Table 1. Easy Payment Service(EPS) Use Intention Research

DJTJBT_2018_v16n11_303_t0001.png 이미지

Table 2. Reliability Analysis

DJTJBT_2018_v16n11_303_t0002.png 이미지

Table 3. Validity Analysis

DJTJBT_2018_v16n11_303_t0003.png 이미지

Table 4. The Result of Path Analysis

DJTJBT_2018_v16n11_303_t0004.png 이미지


Supported by : Incheon National University


  1. S. Venture. (2015). Where are fintech innovations happening?. Venture Scanner
  2. S. H. Kang. (2006). A Study on the User's Acceptance and Use of Easy Payment Service based on UTAUT : Focused on the Moderating Effect of Innovation Resistance. PHD. dissertation, Bukyong University. Busan.
  3. T. T. Wei, M. A. Govindan, Y. L. Chong, K. B. Ooi & A. Seetharam. (2009). What drives Malaysian m-commerce adoption? An empirical analysis. Industrial Management & Data Systems, 109(3), 370-388.
  4. Y. J. Choi. (2016). Influential factors on user satisfaction and continued intention to use in mobile payment service. M.S. dissertation. Yonsei University, Seoul.
  5. D. Pietro, R. G. Mugion, G. Mattia, M. F. Renzi & M. Toni (2015). The integrated model on mobile payment acceptance(IMMPA) : An empirical application to public transport. Transportation Research Part C : Emerging Technologies, 56, 463-479.
  6. C. S. Kim, M. Mirusmonov & I. Lee. (2010). An empirical examination of factors influencing the intention to use mobile payment, Computers in Human Behavior, 26, 310-322.
  7. F. Liebana, J. Sanchez & F. Munoz. (2014). Antecedents of the adoption of the new mobile payment systems : The moderating effect of age. Computers in Human Behavior, 35, 464-478.
  8. K. Pousttchi & D. G. Wiedemann. (2007). What influences consumers' intention to use mobile payments. University of Augsburg
  9. Z. Tao. (2013). An empirical examination of continuance intention of mobile payment services. Decision Support Systems, 54(2), 1085-1091.
  10. Z. Y. Ge. (2016). A Study on Factors Influencing a Customer's switching intention to the Mobile Easy Payment service using Push-Pull-Mooring, M.S. dissertation, Kookmin University, Seoul.
  11. S. H, No. (2016). A study of factors affecting the intention to use a mobile easy payments system : focused on the moderating effects of consumer's. M.S. dissertation, Yonsei University Seoul.
  12. H. Y. Oh. (2015). A Study of Factors Affecting the Adoption Intention of Mobile Easy Payment Service. Journal of Financial Services Consumers, 5(1), 33-64.
  13. S. Y. Lee. (2016). A study on the intention of the use of mobile payment services : application of the technology acceptance model. M.S. dissertation, Hanyang University, Seoul.
  14. D. K. Han. (2015). A study on the factors affecting acceptance and diffusion of Fintech. PHD. dissertation. Yonsei University , Seoul.
  15. J. H. Han, S. H. Jae, B. H. Kim & J. S. Park. (2015). Effects of Consumer Trust and Perceived Usefulness on Mobile Payments and Online Shopping Website Loyalty. The Society of Digital Policy & Management, 13(12), 75-87.
  16. T. T. T. Pham & J. C. Ho. (2015). The effects of product-related, personal-related factors and attractiveness of alternatives on consumer adoption of NFC-based mobile payments. Technology in Society, 43, 159-172.
  17. B. Lee & J. H. Lee. (2016). A Study on the Customer"s Using Intentions of Mobile Payment Services Using NFC Function : Focused on China Market. The e-business studies, 17(1), 49-68.
  18. F. Wang & M. Head. (2007). How can the web helf build customer relationships? An empirical study on e-tailing. Information and Management, 44(2), 115-129.
  19. K. Y. Lee, S. W. Hyung & K. S. Park. (2005). A Study about the Mediating Effects of Website Attitude and Trust in Continuously using the Website. Journal of the Korean Operations Research and Management Science Society, 30(2), 81-104.
  20. N. Lim. (2003). Consumer's perceived risk: sources versus consequences. Electronic commerce research and applications, 2, 216-228.
  21. A. I. Nicolaou & D. H. McKnight. (2006). Perceived information quality in data exchanges : effect on risk, trust and intention to use. Information Systems Research, 17(4), 332-351.
  22. M. Khalifa & K. Shen. (2008). Explaining the adoption of transactional B2C mobile commerce, Journal of Enterprise Information Management, 21(2), 110-124.
  23. V. Venkatesh, M. Morris, G. Davis & F. Davis. (2003). User acceptance of information technology : Toward unified view. MIS Quarterly, 27(3), 425-478.
  24. C. F. Shin & A. Venkatesh. (2004). Beyond adoption : Development and application of a use-diffusion model. Journal of Marketing, 68(1), 39-72.
  25. V. Venkatech & F. D. Davis. (2000). A theoretical extension of the technology acceptance model : Four longitudinal field studies. Management Science, 46(2), 186-204.
  26. E. M. Rogers. (2005). Diffusion of innovations, 4th Edition, Free Press : New York.
  27. F. D. Davis. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340.
  28. Y. G. Kim & J. Y. Chung. (2013). Effects of Service Convenience and Perceived Value on Satisfaction with Eating out in Social Commerce Service. The Tourism Sciences Society of Korea, 37(3), 83-102.
  29. K. H. Park. (2014). Study on the effect of customer loyalty by e-banking service quality : focused on comparison between internet banking and smart banking. M.S. dissertation, Chungang University, Seoul.
  30. I. Ajzen. (1991). The theory of planned behavior, Organizational Behavior and Human. Decision Processes, 50(2), 179-211.
  31. R. L. Thompson, C. A. Higgins & J. M. Howell. (1991). Personal computing : Toward a conceptual model of utilization. MIS Quarterly, 15(1), 125-143.
  32. S. H. Jeon, N. R. Park & C. C. Lee. (2011). Study on the Factors Affecting the Intention to Adopt Public Cloud Computing Service. Entrue Journal of Information Technology, 10(2), 97-112.
  33. S. Ba & P, A. Pavlou. (2002). Evidence of the effect of trust building technology in electronic markets : Price premiums and buyer behavior. MIS Quarterly, 26(3), 243-268.
  34. D. Hoffman, T. Novak & M. A. Peralta. (1999). Building consumer trust online. Communications of the ACM, 42(4), 80-85.
  35. D. Gefen. (2002). Customer loyalty in e-commerce. Journal of the Association for Information system, 3(3), 27-51.
  36. Y. K., Kwon, S. R. Lee & H. J. Park. (2006). An Integrated Study for Customer Loyally in Internet Shopping Mal. Journal of information systems, 15(4), 23-53.
  37. S. B. Choi & H. Y. Joo. (2010). A Study on the Hierarchical Structure of Logistics Service Quality and Its Casual Relationship of Internet Shopping Mall in China. The Journal of internet electronic commerce research, 10(4), 133-155.
  38. Flavian. (2006). Consumer trust, perceived security and privacy policy : Three basic elements of loyalty to a web site. Industrial Management & Data Systems, 106(5), 601-620.
  39. W. H. DeLone & E. R. McLean. (1992). Information system success : The quest for the dependent variable. Information Systems Research, 3(1), 60-95.
  40. P. Jiang & B. Rosenbloom. (2003), Customer intention to return on-lion : Price perception, attribute level performance, and satisfaction unfolding overtime. European Journal of Marketing, 39(1), 150-174.
  41. R. L. Oliver. (1980). A cognitive model of the antecedents and consequences of satisfaction decisions. Journal of Marketing Research, 17(4), 460-469.
  42. Y. M. Kwon. (2015). A Study on the Affecting the Intention to Use of Smart-Phone Mobile Banking. Journal of Industrial Economics and Business, 28(1), 529-549.
  43. W. Chin. (1998). The partial least squares approach to structural equation modeling. Modern methods for business research, 10, 295-336.
  44. N. Mallat & V. K. Tuunainen. (2008). Exploring merchant adoption of mobile payment systems : an empirical study. e-Service Journal, 6(2), 24-57.
  45. M. Tan & T. S. Teo. (2000). Factors influencing the adoption of Internet banking. Journal of the AIS, 1(1es), 1-44.
  46. D. H. Shin. (2009). Towards an understanding of the consumer acceptance of mobile wallet. Computers in Human Behavior, 25(6), 1343-1354.
  47. I. S Lee., Y. A. Rha & H. H. Yoon. (2013). The Effects of Food service Consumer's Perceived Technology-Based Self-Service Characteristics on Satisfaction and Purchase Intention : With a focus on an online menu ordering system. International Journal of Tourism and Hospitality Research, 27(4), 85-100.
  48. M. M. Montoya-Weiss, G. B. Voss & D. Grewal (2003). Determinants of online channel use and overal satisfaction with a relational multichannel service provider. Journal of Academy of Marketing Science, 31(4), 448-458.