Journal of Digital Convergence (디지털융복합연구)

The Society of Digital Policy and Management (한국디지털정책학회)
권호 표지
DOI QR코드

DOI QR Code

A Study on the Effect of Credit Card Usage on the Intention to Use Mobile Payment

신용카드 사용이 모바일 간편결제 이용의도에 미치는 영향에 관한 연구

  • Lee, Eun-Mi (International Business, Yonsei University) ;
  • Goo, Jayoung James (Interdisciplinary Program of Management of Technology, Yonsei University)
  • 이은미 (연세대학교 국제경영) ;
  • 구자영 (연세대학교 기술경영학협동과정)
  • Received : 2020.02.14
  • Accepted : 2020.04.20
  • Published : 2020.04.28
Download PDF
⟨ Previous Next ⟩

Abstract

This paper aims to explore the question of whether the environment in Korea where credit card use is prevalent affects the intention to accept Fintech-based mobile payment. The institution that encourages the credit card use such as credit card receipt obligation may lead to the lock-in and build infrastructures to influence the acceptance of new payment acceptance. This paper investigates how the perceived of use, usefulness, accessibility and stability affect the intention to use mobile payment based on the Technology Acceptance Model(TAM) model with the mediator of lock-in and moderator of credit card receipt obligation. In the results, we found that the perceived usefulness, perceived ease of use and accessibility positively impact on the intention of mobile payment usages. It is also observed that the usefulness and accessibility of credit cards positively mediate to the intention of mobile payment use.

본 논문은 신용카드 사용이 고착화되어 있는 한국의 환경이 핀테크 간편결제 수용의도에 영향을 미치는지에 관해 연구하였다. 의무수납제와 같은 신용카드 사용을 장려하는 제도는 신용카드 사용을 고착화시키고 인프라를 구축시켜 새로운 결제수단인 모바일 간편결제 수용에 영향을 미칠 수 있다. 따라서 본 연구는 기술수용모델을 바탕으로 신용카드의 용이성, 유용성에 접근성과 안정성 변수를 확장하여 검증을 시도했다. 신용카드의 고착도를 매개효과로 그리고 신용카드 의무수납제도를 조절효과로 설정하였다. 연구 결과 신용카드 사용의 인지된 용이성, 유용성, 접근성이 간편결제의 이용의도에 긍정적인 영향을 미치고 있는 것으로 나타났다. 또한, 신용카드사용의 유용성과 접근성이 소비자 고착도를 매개로 하여 모바일 간편결제 이용의도에 긍정적인 영향을 미치고 있는 것을 확인하였다.

Keywords

References

  1. H. N. Chin, S. C. Park & W. T Choi. (2015). Analysis of Mobile Easy Payment Technology by the FinTech. Korean Society for Internet Information, 237-238.
  2. K. I. Park. (2006). A Study on the Electronic Payment and Settlement System. Korean Law Association. 23, 181-205.
  3. KIET. (2018). Domestic Mobile Payment Service Market Status and Implications, https://www.kiet.re.kr
  4. BOK. (2019). 2018 Payment Method Usage Survey. Bank of Korea. https://www.bok.or.kr
  5. Korea Ratings. (2018). Winter is coming?. Korea Ratings. https://www.korearatings.com
  6. Financial Services Commission. Financial Supervisory Service, Credit Finance Association. (2018). Comprehensive Revision of Card Fees. Financial Services Commission. http://www.fsc.go.kr
  7. NIPA. (2017). Characteristics and Status of Mobile Payment Technology: Evidence from Magnetic Payment. National IT Industry Promotion Agency. https://www.nipa.kr
  8. Financial Supervisory Service. (2019). Financial Customers Mobile Payment Service to Use Conveniently. Financial Supervisory Service. http://www.kdi.re.kr
  9. KIET. (2018). Domestic Mobile Payment Service Market Status and Implications, https://www.kiet.re.kr
  10. KITA. (2019). Third-Party Mobile Payment Market Comparison between Korea-China and Implications. Korea International Trade Association. https://www.kita.net
  11. F. Davis. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 318-339. https://doi.org/10.2307/249008
  12. K. M. Lee & T. W. Roh. (2018). Extending of TAM through Perceived Trust and its Application to Autonomous Driving. Journal of Digital Convergence, 16(5), 115-122. https://doi.org/10.14400/JDC.2018.16.5.115
  13. S. Y. Lee & J. W. Park (2016). A Study on the Intention of the Use of Mobile Payment Services : Application of the Technology Acceptance Model. The Korean Operations Research and Management Science Society, 33(2), 65-74.
  14. F. Davis, R. Bagozzi & P. C. Warshaw. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), 982-1003. https://doi.org/10.1287/mnsc.35.8.982
  15. J. H. Wu & S. C. Wang. (2005). What Drives Mobile Commerce? An Empirical Evaluation of the Revised Technology Acceptance Model. Information & Management, 42(1), 719-729. https://doi.org/10.1016/j.im.2004.07.001
  16. J. S. Lee & S. Y. Jang. (2003). Users' Acceptance of Information Systems in Extended Technology Acceptance Model. Korean Academic Society of Business Administration, 32(5), 1415-1451.
  17. K. I. Park. (2006). A Study on the Electronic Payment and Settlement System. Korean Law Association, 23, 181-205.
  18. K. M. Lee & T. W. Roh. (2018). Extending of TAM through Perceived Trust and its Application to Autonomous Driving. Journal of Digital Convergence, 16(5), 115-122. https://doi.org/10.14400/JDC.2018.16.5.115
  19. J. O. Lee, D. G. Han, J. G. Lee & S. N. Lee. (2014). A Study on Continued Usage of Mobile Telecommunication Companies by Killer-app Lock-in. Journal of Digital Convergence, 12(6), 297-310. https://doi.org/10.14400/JDC.2014.12.6.297
  20. J. Y. Jeong & T. W. Roh. (2017). The Intention of Using Wearable Devices: Based on Modified Technology Acceptance Model. Journal of Digital Convergence, 15(4), 205-212. https://doi.org/10.14400/JDC.2017.15.4.205
  21. M. Hossain & V. R. Prybutok. (2008). Consumer Acceptance of RFID Technology: An Exploratory Study. IEEE Transactions on Engineering Management, 55(2), 316-28. https://doi.org/10.1109/TEM.2008.919728
  22. K. K. Seo. (2016). Analysis of Use Intention of Mobile Cloud Service using a Convergence Technology Acceptance Model. Journal of Digital Convergence, 14(12), 105-110. https://doi.org/10.14400/JDC.2016.14.12.105
  23. S. R. Um, H. R. Shin & Y. S. Kim. (2020). An Analysis of the Factors Affecting Technology Acceptance: Focusing on Fintech in High-End Technology. Journal of Digital Convergence, 18(2), 57-71. https://doi.org/10.14400/JDC.2020.18.2.057
  24. S. Y. Lee & J. W. Park (2016). A Study on the Intention of the Use of Mobile Payment Services : Application of the Technology Acceptance Model. The Korean Operations Research and Management Science Society, 33(2), 65-74.
  25. J. S. Lee & D. K. Sung. (2018). Examining Factors Influencing the Intention to Use Mobile Payment: Focusing on Self-Construal. Journal of Digital Convergence, 16(4), 137-147. https://doi.org/10.14400/JDC.2018.16.4.137
  26. J. W. Choi. (2010). Measurements of Network Externality and Switching Cost for Users' Lock-in: Based on Social Media and Social Networking. Korean Review of Corporation Management, 1(2), 181-193.
  27. G. C. Moore & I. Benbasat. (1991). Development of an Instrument to Measure the Perceptions of Adopting and Information Technology Innovation. Information System Research, 2(3), 192-222. https://doi.org/10.1287/isre.2.3.192
  28. H. Choi & Y. J. Choi. (2006). The Impact Perceived Risk on Users Trust and Continuance Intention in Mobile Payment Systems. Journal of the Korea Institute of Information and Communication Engineering, 20(6), 1096-1102. https://doi.org/10.6109/jkiice.2016.20.6.1096
  29. C. Kim, M. Mirusmonov & I. Lee. (2010). An Empirical Examination of Factors Influencing the Intention to Use Mobile Payment. Computers in Human Behavior, 26(3), 310-322. https://doi.org/10.1016/j.chb.2009.10.013
  30. W. K. Lee & H. J. Kim. (2011). The Two Contrary Effects of Usage Habits on the Acceptance of a New IT: Lock-in and Expertise. Knowledge Management Research, 12(5), 11-23.
  31. C. K. Oh & H. S. Chang. (2004). An Evaluation of Technology Acceptance Model Reflecting Decision Environment. Korean Management Review, 33(3), 839-863.
  32. J. M. Jang, T. U. Kim & W. J. Lee. (2004). As Study on Factors Affecting the Acceptance of E-Learning Class Using Technology Acceptance Model. Journal of Technology Innovation, 12(3), 1-24.
  33. E. Goodman, L. M. Dolan, J. A. Morrison & S. R. Daniels (2005). Factor Analysis of Clustered Cardiovascular Risks in Adolescence: Obesity is the Predominant Correlate of Among Youth. Circulation, 111(15), 1970-1997. https://doi.org/10.1161/01.CIR.0000161957.34198.2B
  34. J. F. Hair, R. P. Bush & D. J. Ortinau. (2000). Marketing Research: A Practical Approach for the New Millennium. Sydney: Irwin McGraw-Hill.
  35. J. F. Hair, C, M. Ringle & M. Sarstedt. (2011). PLS-SEM: Indeed A Silver Bullet. Journal of Marketing theory and Practice, 19(2), 139-152. https://doi.org/10.2753/MTP1069-6679190202