Management & Information Systems Review (경영과정보연구)

Daehan Academy of Management Information Systems (대한경영정보학회)
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A Study on Building Trust in Mobile Payment System -Focused on Developing Hierarchical Trust Model-

모바일 간편 결제 시스템의 신뢰형성에 대한 연구 -계층적 신뢰모형 개발을 중심으로-

  • Choi, Yoo-Jung (Dept. of Business Administration, Kyungpook National University) ;
  • Choi, Hun (Dept. of Management Information Systems, Catholic University of Pusan)
  • 최유정 (경북대학교 경영학부) ;
  • 최훈 (부산가톨릭대학교 경영정보학과)
  • Received : 2016.07.12
  • Accepted : 2016.08.10
  • Published : 2016.09.30
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Abstract

As a new alternative to cash and credit-cards, mobile payment has been attracting world's attention. Although fin-tech, a mobile payment system provider, has been a rising issue, mobile payment systems is not yet widely used domestically. Because trust is the most important element in revitalizing the mobile payment system, we hoped to develop a hierarchical trust model to analyze the multi-dimensional trust factor. In this study, surveys were conducted to identify the components that affect the overall trust of a mobile payment system. It has been concluded that cognitive trust, affective trust, trust in system quality affect the overall trust of the system, and this trust affects the continuance intention of users.

모바일 결제는 현금 및 신용카드에 대한 대안으로서, 전세계적으로 크게 주목받고 있다. 최근에는 모바일 기기를 통해 결제 서비스를 제공하는 핀테크가 이슈가 되고 있지만, 국내에서는 아직 모바일 간편 결제 시스템이 널리 이용되지는 않고 있다. 모바일 간편 결제 시스템의 활성화를 위해서는 시스템에 대한 신뢰 형성이 매우 중요한 요소이기 때문에 다차원적인 신뢰요인을 분석하기 위해 계층적 신뢰모형을 개발하고자 하였다. 본 연구에서는 모바일 간편 결제 시스템의 전반적 신뢰에 영향을 미치는 신뢰 요인을 살펴보기 위해 설문을 진행하였고, 연구 결과 인지적 신뢰, 감성적 신뢰, 시스템 품질에 대한 신뢰가 전반적 신뢰에 영향을 미치고, 전반적 신뢰는 지속사용의도에 영향을 끼치는 것으로 나타났다.

Keywords

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