경영정보학연구 (Information Systems Review)

  • 제6권1호
  • /
  • Pages.19-36
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  • 2004
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  • 2982-6551(pISSN)
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  • 2982-6837(eISSN)
한국경영정보학회 (The Korea Society of Management Information Systems)
권호 표지

인터넷뱅킹 채택 결정요인에 관한 실증연구

An Empirical Study on the Determinants of Internet Banking Adoption

  • 유일 (순천대학교 경영통상학부) ;
  • 김재전 (전남대학교 경영학부) ;
  • 김경애 (전남대학교 인터넷창업보육센터)
  • Ryu, Il (Dept. of Business Administration, Sunchon National University) ;
  • Kim, Jae-Jon (Dept. of Business Administration, Chonnam National University) ;
  • Kim, Kyoung-Ae (Chonnam National University Business Incubator)
  • 발행 : 2004.06.30
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초록

본 연구는 인터넷뱅킹 채택을 결정하는 요인들을 분석하기 위한 연구모형을 개발하고 이를 이용하여 실증분석을 함으로써, 인터넷뱅킹 사용자와 비사용자를 판별하기 위한 요인들을 체계적으로 분석하고 주요 요인을 도출하여, 인터넷뱅킹이 금융기관을 위한 전략적 경쟁도구로서 보다 빨리 확산되어 정착될 수 있도록 지원하는 방안을 제시하고자 하였다. 본 연구에서는 국내의 인터넷뱅킹 채택 의사결정에 영향을 미치는 요인들을 혁신, 개인, 위험, 그리고 주관적 규범의 네 가지 특성요인으로 구분하여, 인터넷 사용자들을 대상으로 실증 분석하였다. 분석 결과 적합성, 심리적 위험, 컴퓨터 경험, 주관적 규범 등이 인터넷뱅킹 사용자와 비사용자를 구별 짓는 뚜렷한 요인으로 나타났다.

The importance of Internet banking has been emphasized due to the spread of Internet and the potential advantages of Internet banking. In case of Korea, Internet banking users have been risen dramatically since 1999 after its introduction. The purpose of this study is to draw the antecedent variables that affect the adoption of Internet banking and show their effects empirically. In this paper, influencing factors are proposed to distinguishing Internet banking users from non-users. And nine hypotheses are empirically tested using logistic regression. The results show that most of hypotheses are supported except for complexity and IT innovativeness. And compatibility was found to have a strong positive effect on the adoption of Internet banking. Implications of these findings are discussed for researchers and practitioners.

키워드

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