DOI QR코드

DOI QR Code

A Study on the Determinants of Continuous Usage of New Technology-based Banking System: Focusing on Moderation Effect of User Experience Period

신기술기반 은행 정보시스템의 지속사용의도 결정요인에 관한 연구: 사용자경험기간 조절효과 중심으로

  • Park, Mi (Department of Business Administration, Hongik University) ;
  • Lee, Ki-Ryang (Department of Business Administration, Hongik University) ;
  • Kim, Hyung-Wook (Department of Business Administration, Hongik University)
  • 박미 (홍익대학교 경영학과) ;
  • 이기량 (홍익대학교 경영학과) ;
  • 김형욱 (홍익대학교 경영학과)
  • Received : 2016.05.12
  • Accepted : 2016.06.07
  • Published : 2016.06.30

Abstract

Purpose: Present study was designed to examine the casual relationships among service quality, self-efficacy, perceived usefulness, user satisfaction and Continuous Usage in new technology-based banking system. Also, we intended to testify the moderating effects of user experience period in causal model. We applied path analysis model in order to test the hypotheses and research model. Methods: Survey tool, that is, questionnaire has obtained validity through literature survey, exploratory survey and pretest and sample 279 was selected. For statistical treatment of pretest and main analysis, SPSS20.0 and AMOS 20.0 were employed and structural equation model was employed as analysis method. Results: Result of this study shows as follows. All factors have an effect on user satisfaction and Continuous Usage, and we found that user experience period played moderating effect in causal relationship. Therefore, new technology-based banking system is found that the determinants of continuous usage intention is different according to the user experience period. Conclusion: Present study shows that self-efficacy in via of user experience period, there is a need to emphasize that the main consideration factor new technology-based banking system. However, present study has some limitations to additionally research in the future.

Keywords

Acknowledgement

Supported by : 홍익대학교

References

  1. Anderson, E. W., Fornell, C., and Lehmann, D. R. 1994. "Customer Satisfaction, Market Share and Profitability: Findings from Sweden." Journal of Marketing 58:58-66.
  2. Bandura, A. 1977. "Self-efficacy: Toward a Unifying Theory of Behavioral Change." Psychological Review 84:191-215. https://doi.org/10.1037/0033-295X.84.2.191
  3. Baek, Ingie, Chun, Youngho, Lee, Chunseon, and Choi, Younglak. 2011. "A Study on an Asymmetric Relationship between Quality Attribute and Customer Satisfaction." Journal of the Korea Society for Quality Management 39(1):57-69.
  4. Bhattacherjee, A. 2001. "Understanding information systems continuance. An expectation-confirmation model." MIS Quarterly 25(3):351-370. https://doi.org/10.2307/3250921
  5. Bhattacherjee, A., Perols, J., and Sanford, C. 2008. "Information Technology Continuance: A Theoretical Extension and Empirical Test." Journal of Computer Information Systems 49(1):17-26. https://doi.org/10.1080/08874417.2008.11645302
  6. Compeau, D. R., and Higgins. C. A. 1995. "Computer Self-efficacy: Development of a Measure and Initial Test." MIS Quarterly 19(2):189-211. https://doi.org/10.2307/249688
  7. Delone, W. H., and McLean, E. R. 1992. "Information systems success: The quest for the dependent variable." Information Systems Research 3(1):60-95. https://doi.org/10.1287/isre.3.1.60
  8. Delone, W. H., and McLean, E. R. 2003. "The DeLone and McLean model of information systems success: A Ten-year update." Journal of Management Information Systems 19(4):9-30. https://doi.org/10.1080/07421222.2003.11045748
  9. Delone, W. H., and McLean, E. R. 2004. "Measuring e-Commerce Sucess: Applying the DeLone & McLean Information System Success Model." International Journal of Electronic Commerce 9(1):31-47.
  10. Gorla, N., Somers, T. M., Wong, B. 2010. "Organizational impact of system quality, information quality, and service quality." Journal of Strategic Information Systems 19:207-228.
  11. Hsu, M. H., and Chiu, C. M. 2004. "Internet self-efficacy and electronic service acceptance." Decision Support Systems 38:369-381. https://doi.org/10.1016/j.dss.2003.08.001
  12. Jeon, Hyunjae, Cho, Donghyek. 2014. "A Study on Success Factor for School Affairs Information Systems Based in Mobile Environments." Journal of Korean Institute of Information Technology 12(12):125-135.
  13. Kim, Jihye. Dec 27, 2015. FinTech pioneer in moving the Bank. Korea: ETNews.
  14. Kim, Taekyung, and Cho Chulho. 2015. "An Effect of SNS Tourism Information Service Quality on User Satisfaction and Reuse Intention." Journal of the Korea Society for Quality Management 43(2):185-200. https://doi.org/10.7469/JKSQM.2015.43.2.185
  15. King, Brett. 2014. Breaking Banks: The Innovators, Rogues, and Strategists Rebooting Banking. New Jersey: Wiley.
  16. Oliver, R. 1993. "Cognitive, Affective, and Attribute Bases of the Satisfaction Response." Journal of Consumer Research 20:418-430. https://doi.org/10.1086/209358
  17. Park, Mi. 2011. "Portable Branch's Applying Means and Forecasts in the Financial." The Banker 685(Apr):38-44.
  18. Park, Youngteak. 2014. Understanding of quality management priority. Korea: KSA.
  19. Parasuraman, A., Zeithaml, V. A. and Berry, L. L. 1988. "SERVQUAL:a multi-item scale for measuring consumer perceptions of service quality." Journal of Retailing 64(1):12-40.
  20. Petter, S., DeLone, W. H., and McLean, E. R. 2013. "Information Systems Success: The Quest for the Independent Variables." Journal of Management Information Systems 29(4):7-61. https://doi.org/10.2753/MIS0742-1222290401
  21. Pitt, L. F., Watson, R. T., and Kavan, C. B. 1995. "Service quality: A measure of information systems effectiveness." MIS Quarterly 19(2):173-187. https://doi.org/10.2307/249687
  22. Prahalad, C., and Ramaswamy, V. 2003. "The new frontier of experience innovation." Sloan Management Review 2003(Summer):12-18.
  23. Roca, J. C., Chiu, C. M., and Martinez, F. J. 2006. "Understanding e-learning continuance intention: An extension of the Technology Acceptance Model." Human-Computer Studies 64(8):683-696. https://doi.org/10.1016/j.ijhcs.2006.01.003
  24. Seddon, P. B. 1997. "A respecification and extension of the DeLone and McLean, model of IS Success." Information Systems Research 8(3):240-153. https://doi.org/10.1287/isre.8.3.240
  25. Sabherwal, R., Jeyaraj, A., and Chowa, C. 2006. "Information System Success: Individual and Organizational Determinants." Management Science 52(2):1849-1864. https://doi.org/10.1287/mnsc.1060.0583
  26. Taylor, S., and Todd, P. A. 1995. "Understanding Information Technology Usage: A Test of Competing Models." Information Systems Research 6(2):144-176. https://doi.org/10.1287/isre.6.2.144
  27. Thong, J. Y. L., Hong, S. J., and Tam, K. Y., 2006. "Understanding continued information technology usage behavior: A comparison of three models in the context of mobile internet." Decision Support Systems 42(3):1819-1834. https://doi.org/10.1016/j.dss.2006.03.009
  28. Venkatesh, V., and Davis, F. D. 2000. "A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies." Management Science 46(2):186-204. https://doi.org/10.1287/mnsc.46.2.186.11926
  29. Venkatesh, V., and Davis, F. D. 2003. "User Acceptance of Information Technology: Toward a Unified View." MIS Quarterly 27(3):425-478. https://doi.org/10.2307/30036540