한국정보시스템학회지:정보시스템연구 (The Journal of Information Systems)

  • 제24권2호
  • /
  • Pages.209-240
  • /
  • 2015
  • /
  • 1229-8476(pISSN)
  • /
  • 2733-8770(eISSN)
한국정보시스템학회 (Korea Association of Information Systems)
권호 표지
DOI QR코드

DOI QR Code

모바일 플랫폼에 따른 스마트 뱅킹의 지속사용에 영향을 미치는 선행요인: Android OS vs. iOS

Antecedent Factors Influencing the Continued Use of Smart Banking by Different Mobile Platforms: Android OS vs. iOS

  • Kim, Do-Hyung (SI Department, IBK System) ;
  • Ha, Sung-Ho (School of Business Administration, Kyungpook National University) ;
  • Park, KyungBae (School of Business Administration, Kyungpook National University)
  • 투고 : 2015.05.20
  • 심사 : 2015.06.17
  • 발행 : 2015.06.30
PDF 다운로드
⟨ 이전 논문 다음 논문 ⟩

초록

연구 목적 본 연구는 스마트 뱅킹(smart banking)의 다양한 속성과 사용자 속성, 지각된 즐거움, 신뢰 및 만족, 그리고 지속 사용 의도와의 관계를 구글의 안드로이드 운영체제(Android OS)와 애플의 운영체제(iOS)간 비교 분석하였다. 연구설계/방법론/접근법 본 연구의 목적을 달성하기 위해 2012년 9월 국내에서 실시된 설문조사를 바탕으로 총 245개의 샘플을 수집하였으며 이를 토대로 구조방정식을 통해 분석해 보았다. 결과 스마트 뱅킹 서비스에서 수렴성과 친숙성은 지각된 유용성에 유의미한 영향을 미치는 것으로 나타났으며, 보안성과 경제성은 지각된 신뢰성에 유의미한 영향을 미치는 것으로 밝혀졌다. 또한, 보안성, 경제성 및 혁신성의 지각된 유용성과의 관계, 그리고 편의성 및 친숙성의 지각된 신뢰성과의 관계에서 모두 안드로이드 운영체제가 iOS 보다 강한 영향력을 미침을 확인 할 수 있었다. 본 연구는 스마트 뱅킹에 관한 서로 다른 두 운영체제(Android OS vs. iOS)간의 비교분석을 수행함과 동시에 통합된 프레임워크를 제안함으로써 관련 연구에 이바지 할 것으로 기대된다.

Purpose This study investigates the relationships between various attributes of smart banking (convenience, security, convergence, and economy), user features (familiarity and innovativeness), perceived usefulness, trust, satisfaction, and continuance intentions and provides a comparison of Google's Android OS and Apple's iOS. Design/methodology/approach We considered a sample of 245 respondents and used structural equation modeling to analyze the data. Findings The results indicate that convergence and familiarity significantly affected perceived usefulness and that security and economy significantly affected perceived trust in smart banking services. The relationships of security, economy, and innovativeness to perceived usefulness and those of convenience and familiarity to perceived trust were stronger for the Android OS than for iOS. The study contributes by proposing an integrated framework and providing a comparison between the Android OS and iOS in the context of smart banking.

키워드

참고문헌

  1. Ahuja, M.K., and Thatcher, J.B., "Moving beyond intentions and toward the theory of trying: Effects of work environment and gender on post-adoption information technology use," MIS Quarterly, Vol. 29, No. 3, 2005, pp. 427-459.
  2. Aladwani, A.M., "Online banking: a field study of drivers, development challenges, and expectations," International Journal of Information Management, Vol. 21, 2001, pp. 213-225. https://doi.org/10.1016/S0268-4012(01)00011-1
  3. Bentler, P., "Comparative fit indexes in structural models," Psychological Bulletin, Vol. 107, 1990, pp. 238-246. https://doi.org/10.1037/0033-2909.107.2.238
  4. Bhattacherjee A., and Premkumar, G., "Understanding changes in belief and attitude toward information technology usage: A theoretical model and longitudinal test," MIS Quarterly, Vol. 28, No. 2, 2004, pp. 229-254.
  5. Bhattacherjee, A., "Understanding information systems continuance: An expectation-confirmation model," MIS Quarterly, Vol. 25, No. 3, 2001, pp. 351-370. https://doi.org/10.2307/3250921
  6. Blanca, H.O., "The role of post-use trust in the acceptance of a technology: Drivers and consequences," Technovation, Vol. 31, No. 10-11, 2011, pp. 523-538. https://doi.org/10.1016/j.technovation.2011.07.001
  7. Buellingen, F., and Woerter, M., "Development perspectives, firm strategies and applications in mobile commerce," Journal of Business Research, Vol. 57, No. 12, 2004, pp. 1402-1408. https://doi.org/10.1016/S0148-2963(02)00429-0
  8. Byeon, H.S., "The effects of internet user's trust, impulsiveness and commitment on the outcomes of visiting web stores," Korean Journal of Business Administration, Vol. 21, No. 4, 2008, pp. 1523-1542.
  9. Chen, J.V., Yen, D.C., and Chen, K., "The acceptance and diffusion of the innovative smart phone use: a case study of a delivery service company in logistics," Information and Management, Vol. 46, No. 4, 2009, pp. 241-248. https://doi.org/10.1016/j.im.2009.03.001
  10. Chin, W.W., Marcolin, B.L., and Newsted, P.R., "A partial least squares latent variable modeling approach for measuring interaction effect: Results from a Monte Carlo simulation study and voice mail emotion/adoption study," 17th International Conference on Information Systems, OH, 1996, pp. 21-41.
  11. Davis, F.D., "Perceived usefulness, perceived ease of use and user acceptance of information technology," MIS Quarterly, Vol. 13, No. 3, 1989, pp. 319-340. https://doi.org/10.2307/249008
  12. Dayal, S., Landesbeg, H., and Zeisser, M., "How to build trust online," Marketing Management, Vol. 8, No. 3, 1999, pp. 64-69.
  13. Deng, Z., Lu, Y., Wei, K.K., and Zhang, J., "Understanding customer satisfaction and loyalty: An empirical study of mobile instant messages in China," International Journal of Information Management, Vol. 30, 2010, pp. 289-300. https://doi.org/10.1016/j.ijinfomgt.2009.10.001
  14. Fornell, C., and Larcker, D.F., "Evaluating structural equation models with unobservable variables and measurement errors," Journal of Marketing Research, Vol. 18, 1981, pp. 39-50. https://doi.org/10.2307/3151312
  15. Gefen, D., Karahanna, E., and Straub, D., "Trust and TAM in online shopping: An integrated model," MIS Quarterly, Vol. 27, No. 1, 2003, pp. 51-90.
  16. Gefen, D., Benbasat, I., and Pavlou, P.A., "A research agenda for trust in online environments," Journal of Management Information Systems, Vol. 24, No. 4, 2008, pp. 275-286. https://doi.org/10.2753/MIS0742-1222240411
  17. Goodhue, D., "Understanding the linkage between user evaluations of systems and the underlying systems," Management Science, Vol. 41, 1995, pp. 1827-1844. https://doi.org/10.1287/mnsc.41.12.1827
  18. Gummerus, J., and Pihlstrom, M., "Context and mobile services' value-in-use," Journal of Retailing and Consumer Services, Vol. 18, No. 6, 2011, pp. 521-533. https://doi.org/10.1016/j.jretconser.2011.07.002
  19. Ha, I., Yoon, Y., and Choi, M., "Determinants of adoption of mobile games under mobile broadband wireless access environment," Information and Management, Vol. 44, 2007, pp. 276-286. https://doi.org/10.1016/j.im.2007.01.001
  20. Ha, T.H., "A study on features of smart phone users," The Journal of Digital Policy, and Management, Vol. 8, No. 4, 2010, pp. 177-184.
  21. Hoffman, D.L., Novak, T.P., and Peralta, M., "Building consumer trust online," Communications of the ACM, Vol. 42, No. 4, 1999, pp. 80-85. https://doi.org/10.1145/299157.299175
  22. Jarvenpaa, S.L., and Tractinsky, N., "Consumer trust in an internet store: A cross-cultural validation," Journal of Computer-Mediated Communication, Vol. 5, No. 2, 1999, pp. 1-35.
  23. Jayawardhena, C., and Foley, P., "Changes in the banking sector? The case of Internet banking in the UK," Internet Research, Vol. 10, No. 1, 2000, pp. 19-31. https://doi.org/10.1108/10662240010312048
  24. Karahann, E., Straub, D.W., and Chervany, N.L., "Information technology adoption across time: A cross-sectional comparison of pre-adoption and post-adoption beliefs," MIS Quarterly, Vol. 23, No. 2, 1999, pp. 183-213. https://doi.org/10.2307/249751
  25. Karahanna, E., Evaristo, J.R., and Srite, M., "Levels of culture and individual behavior: an integrative perspective," Journal of Global Information Management, Vol. 13, No. 2, 2006, pp. 30-50.
  26. Keil, M., Tan, B.C.Y., Wei, K.K., Saarinen, T., Tuunainen, V., and Wassenaar, A., "A cross-cultural study on escalation of commitment behavior in software projects," MIS Quarterly, Vol. 24, No. 2, 2000, pp. 299-325. https://doi.org/10.2307/3250940
  27. Kim, H.J., and Jung, C.H., "The impacts of commodity and user characteristics on customers' intention to reuse in mobile banking services," The Journal of Business Education, Vol. 21, 2008, pp. 215-246.
  28. Kim, J.B., "Research issues in mobile banking in the smart phone era: Korean case and literature survey," Entrue Journal of Information Technology, Vol. 10, No. 2, 2011, pp. 223-238.
  29. Kim, M.S., and Jeon, J.H., "A strategic development of domestic smart phone banking service," The Journal of Finance, and Knowledge, Vol. 9, No. 1, 2011, pp. 131-153.
  30. Kim, S.Y., "Convergence status and implications of smartphone and payment," Payment and Information Technology, Vol. 39, 2010, pp. 1-28.
  31. Kim, Y.Y., Yang, H.D., and Ahn, J.H., "Mobile is success in mandatory usage context: The role of compatibility with work," Journal of the Korean Operations Research and Management Science Society, Vol. 32, No. 2, 2007, pp. 71-88.
  32. Lee, M.C., "Factors influencing the adoption of Internet banking: An integration of TAM and TPB with perceived risk and perceived benefit," Electronic Commerce Research and Applications, Vol. 8, No. 3, 2009, pp. 130-141. https://doi.org/10.1016/j.elerap.2008.11.006
  33. Lee, Y., and Kwon, O., "Intimacy, familiarity and continuance intention: An extended expectation-confirmation model in web-based services," Electronic Commerce Research and Applications, Vol. 10, 2011, pp. 342-357. https://doi.org/10.1016/j.elerap.2010.11.005
  34. Lee, Y.K., Park, J.H., Chung, N., and Blakeney, A., "A unified perspective on the factors influencing usage intentions toward mobile financial services", Journal of Business Research, Vol. 65, No. 11, 2011, pp. 1590-1599. https://doi.org/10.1016/j.jbusres.2011.02.044
  35. Leyland, F.P., Parent, M., Junglas, I., Chan, A., and Spyropoulou, S., "Integrating the smartphone into a sound environmental information systems strategy: principles, practices and a research agenda," Journal of Strategic Information Systems, Vol. 20, 2011, pp. 27-37. https://doi.org/10.1016/j.jsis.2010.09.005
  36. Lu, J., Yao, J.E., and Yu, C.S., "Personal innovativeness, social influences and adoption of wireless internet services via mobile technology," Journal of Strategic Information Systems, Vol. 14, 2005, pp. 245-268. https://doi.org/10.1016/j.jsis.2005.07.003
  37. Luarn, P., and Lin, H.H., "Toward an understanding of the behavioral intention to use mobile banking," Computers in Human Behavior, Vol. 21, No. 6, 2005, pp. 873-891. https://doi.org/10.1016/j.chb.2004.03.003
  38. Luo, X., H. Li, Ahang, J., and Shim, J.P., "Examining multi-dimensional trust and multi-faceted risk in initial acceptance of emerging technologies: An empirical study of mobile banking services," Decision Support Systems, Vol. 49, 2010, pp. 222-234. https://doi.org/10.1016/j.dss.2010.02.008
  39. Mathieson, K., Peacock, E., and Chin, W., "Extending the technology acceptance model: the influence of perceived user resources," Database for Advances in Information Systems, Vol. 32, No. 3, 2001, pp. 86-112. https://doi.org/10.1145/506724.506730
  40. McKnight, D.H., and Chervany, N.L., "What trust means in e-commerce customer relationships: An interdiscplinary conceptual typology," International Journal of Electronic Commerce, Vol. 6, No. 2, 2001, pp. 296-315.
  41. Merikivi, J., and Mantymaki, M., "Explaining the continuous use of social virtual worlds: An applied theory of planned behavior approach," Proceedings of 42nd Hawaii International Conference on System Sciences, 2008.
  42. Na, Y.K., Hong, B.S., and Kang, S.M., "A study on the effect of the perceived value and risk of internet shopping on the purchase intention of the fashion merchandise," Journal of the Korean Society of Clothing and Textiles, Vol. 32, No. 8, 2008, pp. 1213-1225. https://doi.org/10.5850/JKSCT.2008.32.8.1213
  43. Noh, M.J., "An empirical study on the factors influencing the user acceptance of mobile services," Kyungpook National University, 2005.
  44. O, H.J., Yun, Y.S., and Lee, K.Y., "An empirical study on the determinants of trust and purchasing intention in online shopping," Journal of Industrial Economics and Business, Vol. 19, No. 1, 2006, pp. 205-224.
  45. O'Cass, A., and Carlson, J., "An e-retailing assessment of perceived website-service innovativeness: Implications for website quality evaluations, trust, loyalty and word of mouth," Australasian Marketing Journal, Vol. 20, 2012, pp. 28-36. https://doi.org/10.1016/j.ausmj.2011.10.012
  46. Oliver, R.L., "A cognitive model of the antecedents and consequences of satisfaction decisions," Journal of Marketing Research, Vol. 17, No. 3, 1980, pp. 460-469. https://doi.org/10.2307/3150499
  47. OPA (Online Publishers Association), A portrait of today's smartphone user, 2012.8.
  48. Park, J.H., "A study on the factors affecting intention to use mobile banking: An unified view," Sejong University, 2008.
  49. Park, Y., and Chen, J.V., "Acceptance and adoption of the innovative use of smartphone," Industrial Management and Data Systems, Vol. 107, No. 9, 2007, pp. 1349-1365. https://doi.org/10.1108/02635570710834009
  50. Pavlou, P.A., "Consumer acceptance of electronic commerce: integrating trust and risk with the technology acceptance model," International Journal of Electronic Commerce, Vol. 7, No. 3, 2003, pp. 69-103.
  51. Rogers, E.M., Diffusion of Innovations (5th eds.). Free Press, New York, 2003.
  52. Suh, B., and Han, I., "Effect of trust on customer acceptance of internet banking," Electronic Commerce Research and Applications, Vol. 1, 2002, pp. 247-263. https://doi.org/10.1016/S1567-4223(02)00017-0
  53. The Korea Herald, Korean smartphone users likely to top 20 mln in Nov, 2011.11.9.
  54. Venkatesh, V., and Davis, F., "A theoretical extension of the technology acceptance model: four longitudinal field studies," Management Science, Vol. 46, No. 2, 2000, pp. 186-204. https://doi.org/10.1287/mnsc.46.2.186.11926
  55. Verkasalo, H., Lopez-Nicolas, C., Molina-Castillo, F.J., and Bouwman, H., "Analysis of users and non-users of smartphone applications," Telematics and Informatics, Vol. 27, 2010, pp. 242-255. https://doi.org/10.1016/j.tele.2009.11.001
  56. Wu, I.L., "The antecedents of customer satisfaction and its link to complaint intentions in online shopping: An integration of justice, technology, and trust," International Journal of Information Management, Vol. 33, 2013, pp. 166-176. https://doi.org/10.1016/j.ijinfomgt.2012.09.001
  57. Wu, J.H., and Wang S.C., "What drive mobile commerce? An empirical evaluation of the revised technology acceptance model," Information, and Management, Vol. 42, No. 5, 2005, pp. 719-729. https://doi.org/10.1016/j.im.2004.07.001
  58. Yin, R.K., Case study research, design and methods (3ed.), Sage Press, 2003.
  59. Zhou, T., "Understanding users' initial trust in mobile banking: An elaboration likelihood perspective," Computers in Human Behavior, Vol. 28, 2012, pp. 1518-1525. https://doi.org/10.1016/j.chb.2012.03.021