디지털융복합연구 (Journal of Digital Convergence)

  • 제18권4호
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  • Pages.149-161
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  • 2020
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  • 2713-6434(pISSN)
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  • 2713-6442(eISSN)
한국디지털정책학회 (The Society of Digital Policy and Management)
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신용카드 사용이 모바일 간편결제 이용의도에 미치는 영향에 관한 연구

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

  • 이은미 (연세대학교 국제경영) ;
  • 구자영 (연세대학교 기술경영학협동과정)
  • Lee, Eun-Mi (International Business, Yonsei University) ;
  • Goo, Jayoung James (Interdisciplinary Program of Management of Technology, Yonsei University)
  • 투고 : 2020.02.14
  • 심사 : 2020.04.20
  • 발행 : 2020.04.28
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초록

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.

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.

키워드

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