서비스연구 (Journal of Service Research and Studies)

  • 제7권2호
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  • Pages.17-41
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  • 2017
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  • 2234-2850(pISSN)
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  • 2466-1813(eISSN)
서비스사이언스학회 (The Society of service Science)
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모바일 간편 결제 서비스 품질 및 기업 명성이 고객 만족과 충성도에 미치는 영향: 전환장벽의 조절적 작용

The Effect of Service Quality and Company Reputation on Customer Satisfaction and Loyalty in Mobile Payment: Moderating Effects of Switching Barriers

  • Kim, Eun Bi (College of Business Administration, Seoul National University) ;
  • Yang, Hongsuk (College of Business Administration, Seoul National University)
  • 투고 : 2017.04.27
  • 심사 : 2017.06.08
  • 발행 : 2017.06.30
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초록

전 세계적으로 핀테크(FinTech) 방식의 금융 서비스가 활성화되면서 모바일 결제 시장에 대한 관심이 높아지고 있다. 따라서 모바일 간편 결제 서비스의 이용 의도에 영향을 미치는 요인은 무엇이며 이용 행위를 저해하는 요인에는 무엇이 있는지 파악하기 위하여 본 연구는 모바일 간편 결제 서비스 이용 고객의 만족과 충성도에 영향을 미치는 요인을 찾아내고, 이러한 요인들에 전환장벽이 유의한 영향을 미치는지에 대해 검토한다. 이러한 연구는 모바일 기반 결제 서비스의 지속적인 성장과 신규 고객층의 확산을 위한 시사점을 찾는 데 도움이 될 것이다. 이를 위하여 설문조사를 실시하고, 수집된 자료를 바탕으로 제시된 구조방정식 연구 모형을 통해 검증을 실시하였다. 분석 결과, 고객들이 지각하고 있는 기업에 대한 가치 즉, 기업 명성은 고객 만족도와 충성도에 유의한 영향을 미치는 것으로 나타났다. 서비스 품질 요인 중에서는 편의성과 보안성이 고객 만족도에 영향을 미치는 것으로 나타났고, 이러한 고객 만족도는 충성도에 영향을 미치는 것으로 나타났다. 또한, 전환장벽 중에서는 계약비용, 연속비용, 학습비용, 대안의 매력 그리고 서비스 회복 요인이 고객 만족이 서비스에 대한 충성도로 이어지는데 조절효과로서의 영향을 가지는 것으로 나타났다. 따라서 모바일 간편 결제 서비스 시장에 진출하려는 서비스 제공 기업은 높은 서비스 품질로서 고객 만족도를 증가시키는 동시에 서비스의 전환장벽을 증가시키기 위해 노력해야 한다. 특히, 고객 충성도는 서비스의 수익성과 장기 성장과도 밀접한 관련이 있으므로 이를 관리하고 높일 수 있는 방안을 지속해서 개발해야 한다.

The purpose of this research is to investigate the factors that impact customer satisfaction and loyalty in mobile payment services. Specifically, this research (1) studies the influence of company reputation on customer satisfaction and loyalty, (2) examines service quality dimensions that increase customer satisfaction, and (3) assesses switching barriers as moderators in influencing customer loyalty. Findings of this empirical research reconfirm the point of view that company reputation, service quality, and switching barriers are crucial for customer satisfaction in mobile payment services. The research methodologies that were used to verify the hypothesis in this study included customized surveys and structural equation modeling. The results demonstrated that company reputation significantly affects customer satisfaction and loyalty. Additionally, the results indicated that only two of the five total service qualities, ease of use and the security/privacy qualities, have positive influences on customer satisfaction. Customer satisfaction has also proven to be a significant influence on loyalty. Lastly, the results showed that among the factors of switching barriers, the factors of lost performance costs, sunk costs, setup costs, the attractiveness of alternatives, and service recovery have moderating effects on the relationships between customer satisfaction and loyalty. Base on the results, this research recommends that firms aim at devising integrated strategies that make switching barriers act as complements to customer satisfaction.

키워드

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피인용 문헌

  1. 모바일 뱅킹에서 핀테크 서비스로의 전환 시 고객만족에 영향을 미치는 요인에 관한 실증연구 vol.26, pp.4, 2017, https://doi.org/10.5859/kais.2017.26.4.203