스마트폰 기반 뱅킹 서비스의 특성과 지속적 사용의도의 관계 = The Relationship on the Characteristics of Smartphone-based Banking Service and the Intention of Sustainable Use

국문 초록 (Abstract)

스마트폰의 확산에 힘입어 스마트폰 기반 뱅킹 서비스 이용자가 꾸준히 증가하고 있지만 이용자들이 얼마나 효용성 있게 수용하고 이용하는지의 여부는 아직 미지수이기 때문에, 이용자들이 서비스를 어떻게 받아들이고 어떤 요인들이 영향을 미치며 영향관계가 어떻게 형성되는지에 대한 연구가 필요시 되고 있다. 본 연구에서는 스마트폰 뱅킹 서비스를 대상으로 기존의 기술수용모델을 확장?수정하여 유의미한 요인들을 추가하고 모델의 적합성과 각 요인들 간의 관계를 분석할 것이다. 이를 위하여 선행 연구들의 고찰을 토대로 스마트폰 뱅킹 서비스의 지속사용의도를 예측하기 위한 연구 모델을 설계하였으며, 190명 이상의 은행 고객들을 대상으로 수집된 데이터를 가지고 실증분석을 실시하였다. 데이터 분석 결과는 모형에서 제시한 14개의 가설과 모형검증 과정에서 추가된 가설 1개를 포함한 15개의 가설 중 13개의 가설에서 유의미한 영향관계가 검증되었다. 인지된 유용성에 대해서는 자기유효성, 사용경험, 혁신성, 사회적 영향과 같은 개인특성 요인들이 긍정적 영향관계를 갖는 것으로 검증되었으며, 서비스 확장성과 인터페이스 용이성 같은 뱅킹 서비스 특성 요인들도 긍정적 영향관계를 나타내었다. 또한 인지된 편이성에 대해서는 개인특성으로서는 자기유효성이, 뱅킹 서비스 특성으로서는 서비스 확장성, 보안위험, 인터페이스 용이성이 긍정적 영향관계를 형성하는 것으로 나타났다. 그리고 영향요인들에 의해 영향을 받은 인지적 요인들인 유용성과 편이성은 사용자의 지속적 사용의도에 강력한 영향을 미치는 것으로 분석되었다.

다국어 초록 (Multilingual Abstract)

According to the diffusion of using smart phone, the number of users using smartphone-based banking service is steadily increasing. Because it is unknown whether or not to accept users", it is necessary to study the influence of the factors on the relationship. In this study, the researchers expand and modify the existing technology acceptance model about the smartphone-based banking service and subjoin significant variables in the model and analysis of the relationship between each factor. For these analyzes, a research model is designed to predict the intention of sustainable use based on previous studies. The empirical analysis was conducted with the data collected for service users in more than 190. It was verified that the user characteristics factors including self-efficacy, experience of use, innovativeness, social influence has a positive relationship for the perceived usefulness and the characteristics factors of banking service including service scalability, ease of interface has a positive relationship for the perceived usefulness. It was verified that the self-efficacy among the user characteristics factors only has a positive relationship for the perceived ease of use and the characteristics factors of banking service including service scalability, security risk, ease of interface has a positive relationship for the perceived ease of use. Also It was analyzed that the perceived factors including perceived usefulness and perceived ease of use has a strong influence on the intention of sustainable use.

목차 (Table of Contents)

• Ⅰ. 서론
• Ⅱ. 연구의 이론적 배경
• Ⅲ. 연구가설과 연구모형
• Ⅳ. 연구 방법
• Ⅴ. 실증분석
• Ⅴ. 결론
• 참고문헌
• Abstract

참고문헌 (Reference)

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