학술논문
모바일 간편결제 기술 이용의도에 관한 연구 : TAM과 인지된 위험을 중심으로 / A study of factors affecting the intention to use a mobile easy payment service
Document Type
Dissertation/ Thesis
Author
황재 / Hwang, Jae
Source
Subject
Language
Korean
Abstract
본 연구는 전통적인 인터넷 기반 결제(e-payment)와 비교하여 상대적으로 실증적 연구가 부족한 모바일 간편결제 기술을 수용하는데 있어서 이용자들이 어떠한 요인에 영향을 받는지 실증적으로 검증하였다. 이에 본 연구에서는 총 16개의 가설을 통하여 사회적 요인으로 주관적 규범과 사회적 이미지, 개인적 요인으로 개인적 혁신성과 모바일 효능감, 기능적 요인으로 기능적 동기와 상대적 이점, 위험적 요인으로 신뢰도와 보안우려 등을 모바일 간편결제 기술의 이용의도에 영향을 미치는 외생변인으로 설정하였다. 이를 위해 본 연구에서는 확장된 기술수용모델을 활용하여 연구모형을 제시하였으며, 새로운 기술에 대한 수용과 활용능력이 뛰어난 총 303명의 20대(만 19-29세)를 대상으로 설문조사를 실시하였다. 위계적 회귀분석을 실시한 결과, 인지된 용이성과 상대적 이점이 인지된 유용성에 긍정적인 영향을 준 반면 보안우려는 인지된 유용성에 부정적인 영향을 주었다. 모바일 효능감과 상대적 이점은 인지된 용이성에 영향을 주었으며, 신뢰도와 보안우려는 인지된 위험성에 영향을 주는 요인으로 나타났다. 한편, 사회적 이미지, 개인적 혁신성, 기능적 동기는 인지된 용이성과 유용성에 별다른 영향을 주지 못했다. 모바일 간편결제 이용의도에 영향을 주는 요인으로 설정된 인지된 유용성, 인지된 용이성, 인지된 위험성, 주관적 규범은 모두 이용의도에 영향을 미치는 것으로 나타났다. 이러한 결과는 주관적 규범과 같은 사회적 영향과 모바일 간편결제가 갖는 특성이 이용의도를 결정하는 주요변인인 것으로 보인다.
Prior research has focused on the internet-based payment(e-payment) service in examining factors affecting the intention to use a new payment service. This study tried to identify how variables affect the intention to use a mobile easy payment(m-payment) service. Based on a total of 16 hypotheses developed for this study, the intention to use of mobile payment service was predicted from social image and subjective norm as social influence, innovativeness and mobile-efficacy as individual factors, functional motive and relative advantage as functional factors and trust and security concern as risk factors. this study employed the extended Technology Acceptance Model and analyzed questions given to people aged from 19 to 29(N=303) using hierarchical regression analyses. According to analysis, while perceived usefulness is positively affected by perceived ease of use and relative advantage, it is negatively affected by security concern. Mobile-efficacy and relative advantage have an positive affect on perceived ease of use. Perceived risk is affected by trust and security concern. However social image, innovativeness and functional motive did not have any influence on perceived ease of use and perceived usefulness. Perceived usefulness, perceived ease of use, perceived risk and subjective norm have an influence on the intention to use. It seems that the respondents valued advantages of mobile easy payment service and subjective norm as social influence. The result of this study is not limited to theoretical implications, but extends to practical implications as well.
Prior research has focused on the internet-based payment(e-payment) service in examining factors affecting the intention to use a new payment service. This study tried to identify how variables affect the intention to use a mobile easy payment(m-payment) service. Based on a total of 16 hypotheses developed for this study, the intention to use of mobile payment service was predicted from social image and subjective norm as social influence, innovativeness and mobile-efficacy as individual factors, functional motive and relative advantage as functional factors and trust and security concern as risk factors. this study employed the extended Technology Acceptance Model and analyzed questions given to people aged from 19 to 29(N=303) using hierarchical regression analyses. According to analysis, while perceived usefulness is positively affected by perceived ease of use and relative advantage, it is negatively affected by security concern. Mobile-efficacy and relative advantage have an positive affect on perceived ease of use. Perceived risk is affected by trust and security concern. However social image, innovativeness and functional motive did not have any influence on perceived ease of use and perceived usefulness. Perceived usefulness, perceived ease of use, perceived risk and subjective norm have an influence on the intention to use. It seems that the respondents valued advantages of mobile easy payment service and subjective norm as social influence. The result of this study is not limited to theoretical implications, but extends to practical implications as well.