UTAUT 기반 모바일 신용카드 서비스의 사용자 수용 모형에 관한 연구

다국어 초록 (Multilingual Abstract)

As smartphones spread out and new communication technologies like NFC come out recently, the mobile credit card service, which enables the payment and extra services of the conventional credit card using a mobile phone in a contactless way, is getting attentions. To capture and dominate this huge emerging market, the market participants including telecommunication companies, credit card service providers, and even government agencies in Korea are trying to facilitate the market of the mobile credit card service. However, the market is still underdeveloped. Under this background, our study identifies the factors that affect the intention to use the mobile credit card service and their causal relationships from the end-user perspective. In particular, this study proposes a new user acceptance model on mobile credit card service based on UTAUT which is known as the most advanced user acceptance model of IT. Also, our proposed model contains some antecedents of UTAUT, which are perceived compatability, personal mobility, and personal innovativeness. The proposed hypotheses are validated using the response data collected from the smartphone users in Korea by an online survey system. The collected data are analyzed using PLS(Partial Least Squares) method. In our study, all the hypotheses except for the hypothesis on the relationship between effort expectation and behavioral intention are accepted with statistical significance.

참고문헌 (Reference)

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