소비자의 사이버금융서비스 이용행태와 만족도에 관한 연구 = The Study of Consumer`s Usage Behavior and Satisfaction in Cyber Financial Services

다국어 초록 (Multilingual Abstract)

This study has conducted to understand the consumer usage behavior of cyber financial service, such as cyber banking, cyber trading, and cyber insurance. Data was collected by internet survey with self-administrated questionnaires. Among survey panel who had experience of using cyber banking service, final samples were 251 adults. The results showed that most of consumers have used more than two types of cyber financial services. Reasons for using cyber financial services were found to be the convenience in time and place as wall as the low transaction cost. Some were still unlikely to use cyber financial services because of insecurity in services. However, they also had positive attitude towards using cyber financial services and were going to be an user in near future. Based on the findings, marketing strategies could be planed to satisfy consumer`s diverse needs for cyber financial services. For the future studies, it is necessary to work of comparison between on-line and off-line financial service consumers.