The Journal of Information Systems (한국정보시스템학회지:정보시스템연구)

Korea Association of Information Systems (한국정보시스템학회)
권호 표지
DOI QR코드

DOI QR Code

A Study of the Factors Influencing on the Intention to Use Fintech

핀테크 사용의도에 영향을 미치는 요인에 관한 연구

  • 김은정 (동의대학교 경영정보학과) ;
  • 김주현 (이화여자대학교 경영대학) ;
  • 김종원 (동의대학교 경영정보학과)
  • Received : 2016.12.23
  • Accepted : 2017.03.14
  • Published : 2017.03.31
Download PDF
⟨ Previous Next ⟩

Abstract

Purpose Fintech has been recently drawing extensive attention all over the world as the innovative trend that will change the future of the global financial industry. However, fintech has been mostly focusing on the payment service in the embryonic stage in Korea. This paper will investigate the approach to increase the intention to use for those who do not use fintech at present. Design/methodology/approach This paper empirically analyzes the impact of innovation of users and the perceived ease-of-use and security on the intention to use through the perceived usefulness and confidence. The 255 survey responses were used to verify research hypotheses through covariate structural equation model. Findings According to the analysis results, it was found that innovation had a significant impact on the perceived usefulness, but had no significant impact on confidence. The perceived usefulness had a significant impact on perceived usefulness and confidence. Moreover, the perceived usefulness and confidence had a significant impact on the intention to use. Meanwhile, it was identified that the security perceived by those who do not use fintech had a negative impact on perceived usefulness, confidence, and intention to use related to fintech. Accordingly, fintech service providers need to determine an approach to help customers to have a positive perception on the security of fintech.

Keywords

References

  1. 강병진, "국내 핀테크 활성화 방안 연구: 해외 사례를 중심으로", 고려대학교 정책대학원 석사학위논문, 2016.
  2. 강선희, "통합기술수용이론(UTAUT)을 기반으로 간편결제 서비스 수용의도와 이용에 관한 연구: 혁신저항의 조절효과를 중심으로", 부경대학교 대학원 박사학위논문, 2016.
  3. 강재은, 김두경, "스마트폰의 지속적 사용 결정요인에 관한 연구", E-비즈니스연구, Vol. 12, No. 3, 2011, pp.27-47.
  4. 구자철, 이상철, 김남희, 서영호, "모바일뱅킹에서의 사용자 수용요인: 확장된 TAM과 Trust를 이용한 실증연구", Asia Pacific Journal of Information Systems, 16권 2호, 2006, pp.159-181.
  5. 김병우, "국내 핀테크 산업 활성화에 관한 연구", 경영교육저널, Vol. 26, No. 1, 2015, pp.47-73.
  6. 김종원, 김은정, "내재적 동기와 외재적 동기가 온라인 커뮤니티에 미치는 영향", 한국산업정보학회논문지, Vol. 10, No. 4, 2005, pp.1-15.
  7. 나윤규, "확장된 기술수용모형(ETAM)을 이용한 인터넷 쇼핑몰 패션상품 구매행동 연구: 지각된 가치와 위험 및 신뢰의 영향을 중심으로", 인터넷전자상거래연구, Vol. 10, No. 3, 2010, pp.27-49.
  8. 노미진, 장형유, "모바일뱅킹 품질 및 지각된 신뢰가 재이용 의도에 미치는 영향: 성별의 조절효과를 중심으로", 산업경제연구, Vol. 24, No. 2, 2011, pp.927-925.
  9. 문용은, 정유진, "모바일뱅킹 사용의도의 영향 요인에 관한 연구, 정보시스템연구, Vol. 12, No. 2, 2003, pp.89-117.
  10. 박정국, "핀테크와 정보보안", 정보과학회지, Vol. 33, No. 5, 2015, pp.23-32.
  11. 유일, 최혁라, "B2C 전자상거래에서 고객신뢰의 영향요인과 구매의도에 대한 신뢰의 매개 역할", 경영정보학연구, Vol. 13, No. 4, 2003, pp.49-72.
  12. 윤승욱, "모바일 인터넷의 수용결정요인에 대한 연구", 한국언론학보, Vol. 48, No. 3, 2004, pp.274-301.
  13. 이경전, 허미리, 황보유정, 전정호, "핀테크의 이해", 정보시스템연구, Vol. 25, No. 2, 2016, pp.173-189.
  14. 이동현, 곽수환, 황규승, "기술수용모형을 이용한 인터넷 뱅킹과 모바일 뱅킹의 차이에 관한 연구", 기술혁신연구, Vol. 14, No. 1, 2006, pp.201-225.
  15. 이민화, "인터넷 뱅킹의 지속적 이용 의도에 결정요인", 대한경영학회지, Vol. 37, 2003, pp.757-776.
  16. 이선경, "인터넷 쇼핑몰에서 제품 구매시 소비자 신뢰, 만족에 영향을 미치는 요인에 관한 연구: 종합몰, 전문몰 유형물 중심으로, 이화여자대학교 석사학위논문, 2004.
  17. 이웅규, "보안과 위험의 지각이 인터넷 뱅킹 재사용 의도에 미치는 영향", 경영정보학연구, Vol. 17, No. 1, 2007, pp.77-93.
  18. 한미란, 이성주, 박범, "Widget 인터페이스 영향요인 분석: 속성을 고려한 확장된 기술 수용모형", 한국산업정보학회논문지, Vol. 15, No. 2, 2010, pp.127-137.
  19. 함흥식, "쇼핑몰 web sites의 지각된 이용편리성이 애호도에 미치는 영향: 지각된 유용성, 신뢰, 만족의 매개적 역할", 홍익대학교 석사학위논문, 2004.
  20. Adams, D.A., Nelson, B.R., and Todd, P.A., "Perceived Usefulness, Ease of Use, and Usage of Information Technology: A Replication", MIS Quarterly, Vol. 16, No.2, 1992, pp.227-247. https://doi.org/10.2307/249577
  21. Chircu, Alina M, Gordin B. Davis AND Robert J. Kauffman, "Trust, Expertise, and E-Commerce Intermediary Adoption," Proceedings of the 2000 Americas Conference on Information Systems.
  22. Davis, F.D., "A Technology Acceptance Model for Empirically Testing New End-User Information Systems: Theory and Results", Doctoral Dissertation, Sloan School of Management, MIT, 1986.
  23. Davis, F.D., "Perceived Usefulness, Perceived Ease of Use and User Acceptance of Information Technology", MIS Quarterly, Vol. 13, No. 3, 1989, pp.319-339. https://doi.org/10.2307/249008
  24. Davis, F.D., Bagozzi, R.P., and Warsharw, P.P., "User Acceptance of Computer Technology A Comparison of Two Theoretical Models", Management Science, Vol. 35, No. 8, 1989, pp.982-1003. https://doi.org/10.1287/mnsc.35.8.982
  25. Falk, R.F. and Miller, N.B., A Primer for Soft Modeling, University of Akron, 1992.
  26. Frost, T., Stimpson, D.V. and Maughan, M.R.C., "Some Correlates of Trust", Journal of Psychology, Vol. 99, 1978, pp.103-108. https://doi.org/10.1080/00223980.1978.9921447
  27. Gefen, D., "e-Commerce: the Role of Familiarity and Trust", Omega, Vol. 28, No.6, 2000, pp.725-737. https://doi.org/10.1016/S0305-0483(00)00021-9
  28. Gefen, D., E. Karahanna and D.W. Straub, "Trust and TAM in Online Shopping: An Integrated Model", MIS Quarterly, Vol. 27, No.1, 2003, pp.51-90. https://doi.org/10.2307/30036519
  29. Gefen. D., "TAM or Just Plain Habit: A look at Experience Online Shoppers," Journal of End User Computing, Vol. 15, No. 3, 2003, pp.1-13.
  30. Godwin, J.U., "Privacy and Security Concerns as Major Barriers for E-Commerce: a Survey Study," Information Management and Computer Security, Vol. 9, No.4, 2001, pp.165-174. https://doi.org/10.1108/EUM0000000005808
  31. Hendrickson, A.r., Glorfeld, K. and Cronan, T.P., "On the Repeated Test-Retest Reliability of the End-User Computer Satisfaction Instrument: A Comment", Decision Sciences, Vol. 25, No. 4, 1993, pp.655-667. https://doi.org/10.1111/j.1540-5915.1994.tb01864.x
  32. Igbaria, M., Guimaraes, T., and Davis, G., "Testing the Determinant of Microcomputer Usage via a Structural Equation Model," Journal of MIS, Vol. 11, No. 4, 1995, pp.87-114.
  33. Kyung Kyu Kim, Bipin Prabhakar, Sung Kook Park, "Trust, Perceived Risk, and Trusting Behavior in Internet Banking", Asia Pacific Journal of Information Systems, Vol. 19, No. 3, 2009, pp.1-23. https://doi.org/10.1111/j.1365-2575.2008.00323.x
  34. Lewrs, W., Agarwal, R., and Sambamurthy, V., "Sources of Influence on Beliefs about Information Technology Use: An Empirical Study of Knowledge Workers," MIS Quarterly, Vol. 27, 2003, pp.657-679. https://doi.org/10.2307/30036552
  35. Lu, J., Yao, J.E., and Yu, C., "Personal Innovativeness, Social Influences and Adoption of Wireless Internet Services Via Mobile Technology", Strategic Information Systems, Vol. 14, 2005, pp.245-268. https://doi.org/10.1016/j.jsis.2005.07.003
  36. Midgley, D.F., and Grahame R.D., "Innovativeness: The Concept and Its Measurement", Journal of Consumer Research, Vol. 4, No.4, 1978, pp.229- 242. https://doi.org/10.1086/208701
  37. Pearson, P.H., "Relationship between Global and Specific Measures of Novelty Seeking", Journal of Consulting and Clinical Psychology, Vol. 34, 1970, pp.199-204. https://doi.org/10.1037/h0029010
  38. Rogers, E.M., Diffusion of Innovation, 4th ed, The Free Press, 1983.
  39. Rotter, J.B., "Generalized Expectancies for Interpersonal Trust, American Psychologist, Vol. 35, 1971, pp.1-7.
  40. Staub, D., Limayem, M., and Karahanna-Evaristo, E., "Measuring System Usage: Implications for IS Theory Testing", Management Science, Vol. 41, No.8, 1995, pp.1328-1342. https://doi.org/10.1287/mnsc.41.8.1328
  41. Venkatash, V., "A Longitudinal Investigation of Personal Computers in Homes: Adoption Determinants and Emerging Challenges", MIS Quarterly, Vol. 25, No. 1, 2001, pp.71-102. https://doi.org/10.2307/3250959
  42. Venkatash, V., "Determinants of Perceived Ease of Use: Integrating Control, Intrinsic Motivation, and Emotion into the Technology Acceptance Model", Information Systems Research, Vol. 11, No. 4, 2000, pp.342-366. https://doi.org/10.1287/isre.11.4.342.11872
  43. Venkatraman, M.P., and Price, L.L., Differentiating between Cognitive and Sensory Innovativeness: Concept, Measurement, and Implication, Journal of Business Research, Vol. 20, No. 4, 1990, pp.293-315. https://doi.org/10.1016/0148-2963(90)90008-2
  44. Yousafzai, S.Y., Pallister, J.G., and Foxall, G.R., "A Proposed Model of e-Trust for Electronic Banking," Technovation, Vol. 23, No.11, 2003, pp.847-860. https://doi.org/10.1016/S0166-4972(03)00130-5