핀테크 지급결제서비스 지속사용 영향요인 연구 = 무리행동이론과 제도적 신뢰 관점에서

국문 초록 (Abstract)

핀테크 서비스는 기존 금융서비스에 IT기술을 결합한 서비스로 금융 서비스의 효율성 제고와 기존 금융서비스에서 제공하지 못했던 새로운 맞춤형 서비스를 제공하며 전통적인 금융시스템의 패러다임을 바꾸고 있다. 핀테크 시장은 기존 업체들의 지속적인 서비스 강화와 신규 업체들의 진입으로 경쟁이 치열해지고 있지만, 아직까지 다수의 사용자들이 기존 서비스에 대한 선호나 가맹점 부족 등 편의성과 범용성 측면에서의 불편함을 느끼고 있어 기대만큼 활성화 속도가 빠르지 않다.
본 연구는 핀테크 지급결제서비스의 활성화 영향요인 연구를 위해 핀테크 지급결제서비스 사용자의 지속사용의도에 영향을 미치는 요인을 선행연구를 토대로 사용자의 심리적 측면과 서비스 특성 관련 요인으로 분류 후 연구모형을 구성하고 영향관계를 실증 검증하였다. 데이터 분석 결과 범용성과 보안 우려가 가장 큰 영향을 미치는 요인으로 나타났고, 타인 모방과 지각된 혜택 역시 지속사용의도에 긍정적인 영향을 미쳤다. 반면 복잡성과 제도적 신뢰의 영향은 통계적으로 유의미하지 않았다. 하지만 제도적 신뢰는 보안 우려에 강하게 감소시키는 것으로 나타나 지속사용의도에 간접적인 영향을 미치는 것으로 나타났다.

다국어 초록 (Multilingual Abstract)

Fintech service combines IT technology with existing financial services. It provides innovative financial services that were not provided by existing financial institutions and is changing the paradigm of the traditional financial system. In the fintech industry, competition is intensifying due to the continuous enhancement of current service providers and the entry of new competitors. However, many users still feel uncomfortable in terms of convenience and universal acceptance.
This study aims to investigate the factors affecting the continuous intention to use of fintech payment service. The research model was formulated based on user’s psychological aspects and technical service characteristics. The proposed model was empirically validated using component based SEM(PLS). The data analysis results showed that universality and security concerns were the most influential factors for user’s continuance intention to use. Imitation of others and perceived benefits also show a positive effect on the continuance intention to use. Nevertheless, the effects of complexity and institution-based trust were not statistically significant. However, institution-based trust has strong negative effect on security concerns.

목차 (Table of Contents)

• ABSTRACT
• Ⅰ. Introduction
• Ⅱ. Literature review
• Ⅲ. Research model and hypotheses
• Ⅳ. Empirical analysis
• Ⅴ. Conclusion
• References
• 국문초록

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