Journal of Digital Convergence (디지털융복합연구)

The Society of Digital Policy and Management (한국디지털정책학회)
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Examining Factors Influencing the Intention to Use Mobile Payment: Focusing on Self-Construal

모바일 간편결제 이용의도에 미치는 영향요인에 관한 연구: 자기해석의 조절적 역할을 중심으로

  • Received : 2017.11.20
  • Accepted : 2018.04.20
  • Published : 2018.04.28
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Abstract

The purpose of this study was to examine the influence of variables of TAM, user characteristics variables, and perceived risk variables on the intention to use mobile payment. Through the combination of characteristics of mobile payment, this study also investigated the effect of various independent variables on the intention to use mobile payment including the moderating effect of self-construal. To verify hypotheses of this study, the hierarchical regression analysis based on responses from 188 undergraduate and graduate students was conducted. The significant findings of this study were as follows: TAM variables, user characteristics variables and perceived risk variables had positive influence on the intention to use mobile payment. Self-construal was found to moderate the effect of the perceived usefulness, perceived ease of use and subjective norm. This study may provide important implications for both academicians and practitioners.

이 연구에서는 학부생과 대학원생 188명을 대상으로 기술수용모델 변인과 개인 특성 요인, 위험 지각 요인이 모바일 간편결제 이용의도에 미치는 영향에 대해 알아보고자 하였다. 더불어 문화차원 변수인 자기해석이 이러한 영향요인의 효과를 조절하는지 검증하였다. 연구 결과, 인지된 유용성과 주관적 규범, 혁신성, 프라이버시 위험이 모바일 간편결제 이용의도에 긍정적인 영향을 미치고 있었던 반면, 이용 용이성과 자기효능감, 성능 위험은 영향을 미치지 않는 것으로 나타났다. 또한 이 연구에서 조절변인으로 설정하였던 자기해석은 지각된 유용성과 이용 용이성, 주관적 규범이 모바일 간편결제 이용의도에 미치는 영향력을 조절하는 것으로 나타났다. 이는 TAM을 통해 기술수용을 과정을 이해하고자 할 때 자기해석과 같은 문화차원 변인을 고려해야 할 필요성을 시사한다. 본 연구는 자신과 타인을 구분하는 메커니즘으로서 자기해석이 모바일 간편결제 이용의도에 미치는 영향력을 검증함으로써 여러 이론적 실무적 시사점을 제공하고 있다.

Keywords

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