• Title, Summary, Keyword: 인터넷전문은행

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Relationship among perceived benefit, perceived risk and continuous use of user' Internet primary bank : The mediation effects of trust (인터넷전문은행의 지각된 혜택, 지각된 위험, 지속적 이용의도의 관계에서 신뢰의 매개효과 분석)

  • Jung, Joo Won;Cho, So Yeon
    • Journal of the Korea Convergence Society
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    • v.9 no.12
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    • pp.195-205
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    • 2018
  • The purpose of this study was to investigate the effects of perceived risk, perceived benefits and trust on the intention of continuous use of Internet primary banks in order to explore ways for stable establishment and growth of Internet primary banks. In addition, the mediating effects of trust on the relationships among perceived benefits, perceived risk and intention of continuous use were tested. Through an online survey, 457 people aged 20-59 years who had experience of using an Internet primary bank within the last 3 months were selected as the subjects for this study. First, perceived benefits, perceived risk, and trust were found to have a significant influence on the intention of continuous use of Internet primary banks. Second, the partial mediation effect of trust on the relationships of ease of use and functional risk with intention of continuous use was confirmed, and the full mediation effect of trust on the relationships of attractiveness and innovativeness with intention of continuous use was verified. In order to achieve sustainable growth, Internet primary banks are required to increase major benefits of customers and lower the risk levels to build firm customer trust.

The Effects of the Mobile-Banking Characteristics and Internet-Only Bank Benefits on the Switching Value and the Use Intention (인터넷전문은행 특성과 혜택이 지각된 전환가치와 이용의도에 미치는 영향)

  • Kim, Su-Ji;Kim, Chae-Bogk
    • The Journal of the Korea Contents Association
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    • v.18 no.8
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    • pp.109-117
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    • 2018
  • The launch of internet-only banks has brought many changes. As the existing commercial banks and internet-only banks have started the infinite competition, the maintenance of relationships with customers or the creation of new customers is important. For this, it is meaningful to understand the aspect of customers' perception of value. Thus, this study conducted the empirical analysis on the attitude of the existing phone-banking users after the launch of internet-only banks. First, the reliability and mobility out of the characteristics of the existing mobile service of commercial banks had effects on the perceived switching value while the reactivity had no effects on it. Second, in the results of understanding the effects of diverse benefits from internet-only banks on the perceived value, the economic benefit and convenient benefit had positive(+) effects on the perceived switching value. Lastly, the perceived switching value had positive(+) effects on the use intention.

A Study of Factors Influencing on the Intention to Use Internet Primary Bank (인터넷 전문은행 사용의도에 영향을 미치는 요인 연구)

  • Kwon, Hyeok Gi;Lee, Moon Bong
    • Journal of the Korea Industrial Information Systems Research
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    • v.23 no.1
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    • pp.97-108
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    • 2018
  • The objective of this study will investigate the approach to increase the intention to use Internet primary bank for those who do not use it at present. This study establishes a theoretical model that includes five independent variables - performance expectancy, effort expectancy, social influence, channel trust and trust toward bank - and one dependent variable - use intention -. The empirical results obtained in a sample of 145 university students are followings; The use intention is positively influenced by the performance expectancy, social influence and channel trust. The performance expectancy is the strongest predictor of the use intention. Effort expectancy and trust toward bank has no effect on intention to use Internet primary bank.

A Study Factors Affecting Continuance Intention of Internet Only Bank: Using Task-Technology Fit Theory (인터넷전문은행의 지속 사용 의도에 영향을 미치는 요인에 대한 연구: 업무-기술 적합성 이론을 활용하여)

  • Yoo, Hyein;An, Jaeyoung;Lee, Choong C.
    • The Journal of Society for e-Business Studies
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    • v.23 no.3
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    • pp.111-128
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    • 2018
  • Today the paradigm of the financial services industry is shifting to mobile banking, and each financial company provides a variety of mobile banking services. Because of the innovation of mobile banking service, the Internet Only Bank has been launched recently. However, the actual number of users is far less than the number of subscribers. The purpose of this study is to investigate the factors affecting the intention to use of Internet only banking service by applying Task-Technology Fit (TTF) theory. In order to carry out this research, we conducted a survey on the user of the Internet only banking services, tested the measurement validity/reliability analysis and derived structural equation model. The results indicate that there are significant correlations between technology characteristics and task-technology fit and between task-technology fit and continuance intention. The results of this study are expected to provide implications for securing and maintaining the users of Internet banking providers.

An Exploratory Study on the Factors of Difference in Trust Levels for Internet-Only Banks by Age Groups (인터넷전문은행의 신뢰 결정요인의 연령대별 차이에 관한 탐색 연구)

  • Nam, Sang-Wook
    • Journal of Convergence for Information Technology
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    • v.10 no.3
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    • pp.58-66
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    • 2020
  • This paper aims to empirically analyze the factors of difference in trust level for Internet-only bank by age groups. The purpose of this study is to provide clues and a research data in developing differentiation strategies that can increase consumer's trust by age group. In this study, above all, the financial consumer group was divided into the 2030s and 4050s based on age. The study explored the trust determinants of the two groups and compared the differences between the two groups using a multi-group analysis method. As results, in all age groups, financial consumer's trust was seen as a determinant of convenience, security and benefit of financial transaction costs. The difference of the determinant of trust between 2030s and 4050s occurred in the factor of benefit. Moreover, it reconfirmed that consumer's trust is later strongly extended to relationship commitment. These findings suggest that trust is of paramount importance to the Internet-only bank, whose market competition will intensify in the future.

Gender Difference on Trust in Internet-Only Banks Using the Multi-Group Path Analysis (다집단 경로 분석을 통한 남녀 간 인터넷전문은행의 신뢰 차이)

  • Nam, Sang-Wook;Hong, Eun-Joo
    • Journal of Convergence for Information Technology
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    • v.8 no.3
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    • pp.99-105
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    • 2018
  • The purpose to this study is to analyze the difference of trust toward Internet-only bank into two groups according to the gender. We specially examined whether there is any gap in the determinant of trust. For this, we attempted to analyze the significance of the difference in the path coefficients between the gender through latent mean and path analysis. As a results, the difference of the determinant of trust between the male and the female group occurred in the factor of benefit and security. Moreover, it reconfirmed that trust are later strongly extended to relationship commitment. These findings suggest that it's very important to establish a trust with customers.

Study on Factors Affecting Financial Customer's Switching Intention to Internet only bank: Focus on Kakao bank (인터넷 전문은행의 성공 요건, 금융 소비자의 전환의도에 영향 주는 요인 분석: 카카오뱅크를 중심으로)

  • Kwak, Na-Yeon;Yoo, Hyein;Lee, Choong C.
    • Journal of Digital Convergence
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    • v.16 no.2
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    • pp.157-167
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    • 2018
  • Internet only banking has been spreading rapidly since it was first introduced in Korea since 2017, but issues regarding its limitations continuously are rising. In this research, consumers' intention to switch have been empirically demonstrated toward the internet banking by applying the PPM theory. To achieve a purpose of the research, survey targeting total 132 person who have experiences of using KaKaobank have been implemented by using Smart PLS 3.0. In conclusion, it has been verified that the push and full effect have a positive effect on the consumers' intention to switch main bank and the degree of usage of KaKaobank have significantly influences on relation between mooring factor and consumers' intention to switch main bank. Through this study, the scope of the PPM theory applied in previous researches regarding consumer's service transition shall be extended to Fintech service and practically it provides implications for establishing a strategy to enter the Internet only bank market.

A Study on the Effect of Accept Intention for Internet-Only Bank According to Service Providers (서비스 제공자에 따른 인터넷 전문은행 서비스 수용의도에 미치는 영향에 관한 연구)

  • Jung, Sung-Gwang
    • Management & Information Systems Review
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    • v.37 no.4
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    • pp.157-174
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    • 2018
  • The purpose of this study is to examine service acceptance process of Internet-Only Bank centered on perceived usefulness, confirmation, service satisfaction, adoption intention. this study examine relation of perceived usefulness, confirmation, service satisfaction based on previous studies. And we examine the effect of Internet-Only Bank satisfaction on adoption intention. Also, we studied the relationship between perceived usefulness, confirmation, service satisfaction according to Internet-Only Bank services providers. The following are main results of this study. First, perceived usefulness, confirmation have significant effects on service satisfaction. Second, service satisfaction of Internet-Only Bank have a positive effect on adoption intention of Internet-Only Bank. Third, The relationship between perceived usefulness, confirmation and service satisfaction is differ depending on Internet-Only Bank services providers. Based on these findings, in this study examined the significant influence of Internet-Only Bank. Through this study, we propose to marketing practitioners the need for a splitted strategy based on Internet-Only Bank services providers.

Study about the Positive and Negative Affect on the Continuance Intention of Internet only Bank (금융소비자의 지속사용의도에 영향을 미치는 정적·부적 정서 연구: 인터넷전문은행을 중심으로)

  • Kim, Jin A;Yoon, Jeewhan
    • Journal of Digital Convergence
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    • v.16 no.12
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    • pp.267-281
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    • 2018
  • Internet only Banks in Korea have acquired more than seven million customer base, but most of the accounts are not active. As financial products tend to be similar, customer affect plays more crucial role than service features in continuance intention. The purpose of this research is to study about the impact of positive and negative affect on the continuance intention. The result indicated that positive affect is positively related to continuance intention, and negative affect is negatively related to continuance intention. Also expectation confirmation is positively related to positive affect. The results imply Internet only Banks need to focus on customer's positive affect and expectation confirmation to improve continuance intention.