디지털융복합연구 (Journal of Digital Convergence)

  • 제18권8호
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  • Pages.133-149
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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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인터넷전문은행의 지속적 이용의도에 있어서 지각된 위험의 영향력 : 수용요인의 조절효과 분석

Relationship Between Perceived Risk and Continuous Use Intention of Internet Primary Banks : Moderating Effects of Acceptance Factors

  • 정주원 (동국대학교 사범대학 가정교육과) ;
  • 조소연 (동국대학교 사범대학 가정교육과)
  • Jung, Joowon (Department of Home Economics Education, Dongguk University) ;
  • Cho, SO Yeon (Department of Home Economics Education, Dongguk University)
  • 투고 : 2020.05.19
  • 심사 : 2020.08.20
  • 발행 : 2020.08.28
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초록

본 연구의 목적은 인터넷전문은행에 대한 지각된 위험이 지속적 이용의도에 미치는 영향을 분석하고, 지각된 위험과 지속적 이용의도의 관계에서 수용적 요인의 조절효과를 검증하는 것이다. 이를 통하여 인터넷전문은행의 지속적 이용의도를 높이기 위한 지각된 위험의 대처방안과 수용요인의 전략적 방안을 모색하고자 한다. 연구목적을 달성하기 위하여 인터넷전문은행 이용경험이 있는 20-50대 소비자 457명을 대상으로 중다회귀분석을 실시하였으며, 이를 근거로 수용요인의 상호작용효과를 분석하였다. 연구결과, 첫째, 인터넷전문은행이용 소비자의 지각된 위험, 수용요인과 지속적 이용의도 간에는 유의한 상관관계를 보였다. 둘째, 지각된 재무적, 기능적 위험은 인터넷전문은행의 지속적 이용의도에 유의한 영향을 미치는 것으로 나타났다. 셋째, 유용성은 보안적 위험과 지속적 이용의도의 관계에서 유의한 조절효과가 나타났으며, 편리성은 모든 지각된 위험과 지속적 이용의도의 관계에서 유의한 조절효과를 보였다. 인터넷전문은행의 안정적 정착을 확보하기 위해서는 소비자가 지각하는 재무적·기능적 위험을 완화하고 인터넷전문은행의 유용성과 편리성에 대한 확대가 이루어져야 한다.

The purpose of this study was to investigate the effect of perceived risk on continuous usage intention of Internet primary banks and to verify moderating effects of acceptance factors affecting customers' acceptance of Internet primary banks on the relationship between perceived risk and continuous usage intention. The study aims to find ways to cope with perceived risk and strategic measures of intention in order to increase the intention to continuous usage intention of Internet primary banks. For the analysis, interaction effect were conducted among a total of 457 surveys. As a results, First, perceived risks, acceptance factors and continuous usage intention of the customers of Internet primary banks were significantly correlated. Second, the types of perceived risks which have a significant effect on continued usage intention of Internet primary banks were found to be perceived financial and functional risks. Third, respect to moderating effects of moderator variables, usefulness was found to have a significant moderating effect on the relationship between perceived security risk and continuous usage intention. In addition, ease of use was shown to have a significant moderating effect on the relationship between each type of perceived risks and continuous usage intention. This study attempted to explore and seek strategies to reduce perceived risks and strategic plans for acceptance factors to increase continuous usage intention of Internet primary banks.

키워드

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