모바일 신용카드 사용자 만족 및 지속사용 의도에 영향을 미치는 요인에 관한 연구 = 혁신확산이론 및 후기수용모형을 중심으로

다국어 초록 (Multilingual Abstract)

Due to the mobil-centered lifestyle following the wider use of Smartphones, Mobile services, including mobile banking and mobile shopping business have increased rapidly. Also with the emergence of “Fintech”, which finance combined with technology, IT based financial market is going to be highly promising. In this trend, interests mobile credit cards are increasing. But diffusion of the mobile credit card services is still in the low level. In this situation, to identify factors that influencing satisfaction and continuous usage intention on mobile credit card, this study applied innovation diffusion theory (IDT) and post acceptance model (PAM). To conducting this research, survey data were collected, and we used SmartPLS to analyze survey data. As a result of the study, perceived easy of use, image, compatibility and facilitation positively affect user’s satisfaction in mobile credit cards and that such satisfaction have a positive impact on continuous intention to use. The facilitation influences user satisfaction more strongly for those who use mobile credit cards more than plastic credit cards. Also, perceived of use and image influence user satisfaction more strongly for those who use plastic credit cards more than mobile credit cards. It is expected that this study can be a guideline for credit card service providers and policy makers to invigorate mobile credit card business. Also it worths as a early-stage research on Fintech-related studies.