블록체인의 특성이 소비자 사용 의도에 미치는 영향: 기술수용모델을 중심으로 = Impact of Blockchain Characteristics on Consumer Intention to Use: Focusing on the Technology Acceptance Model

국문 초록 (Abstract)

교육, 의료 및 부동산 등 다양한 산업에서 일상 업무에 이르기까지 블록체인 기술은 다양하게 활용되기 기슬은 다양하게 활용되기 시작했다. 본 연구는 블록체인 기술 또는 사용자의 사용 의도를 알아보기 위하여 기술수용모델로 확장하여 블록체인을 접한 사용자들에게 블록체인에 관하여 지금까지 형성된 인식을 분석하였다. 기술수용모델(Technology Acceptance Model: TAM)을 기반으로 하여 블록체인 기술의 특성을 탈중앙성, 보안성, 다양성, 신뢰성, 투명성의 5가지 독립변수로 구성하였다. 그리고 지각된 유용성과 지각된 용이성을 매개변수로 하였고 종속변수는 사용 의도를 종속변수로 연구모형을 설계하였다. 본 연구는 블록체인 기술 사용 경험이 있는 이용자를 대상으로 조사했으며, 통계 분석은 Smart PLS 4.0을 이용하여 판별 타당성과 집중 타당성을 검증하였다. 연구결과는 블록체인 특성 중 탈중앙성, 다양성, 신뢰성, 투명성은 지각된 유용성, 지각된 용이성을 통해 사용 의도에 영향을 미친 것으로 나타났다. 반면, 보안성이 지각된 유용성과 지각된 용이성에 영향을 유의하게 미칠 것이라는 가설은 기각되었다. 본 연구가 향후 블록체인 특성을 이해하고 해당 특성과의 사용 의도와의 관계를 실증 분석 하는데 참고자료로 활용되기를 기대한다.

다국어 초록 (Multilingual Abstract)

Various industries, such as education, healthcare, and real estate, have begun to utilize blockchain technology in everyday operations. This study analyzed the perceptions formed to date of blockchain by users who have encountered block chain by expanding the technology acceptance model to investigate blockchain technology or users' intention to use it. To achieve this, based on the Technology Acceptance Model (TAM), the characteristics of blockchain technology were composed of five independent variables: decentralization, security, diversity, reliability, and transparency. A research framework was constructed, integrating perceived usefulness and ease of use as intermediary variables, with the intention to use them as the dependent variable. This study surveyed users with experience using blockchain technology, and statistical analysis verified discriminant and convergent validity using Smart PLS 4.0. The results of this study indicate that among the attributes of blockchain, decentralization, diversity, reliability, and transparency, the intention to use is mediated by perceived usefulness and perceived ease of use. On the other hand, the hypothesis positing that security would substantially influence perceived usefulness and ease of use was not supported. This study is significant because it understands future blockchain characteristics and empirically analyzes the relationship between them and the intention to use.

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