Journal of Digital Convergence (디지털융복합연구)

The Society of Digital Policy and Management (한국디지털정책학회)
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Impacts of Individual and Technical Characteristics on Perceived Risk and User Resistance of Mobile Payment Services

개인 및 기술 특성이 모바일 결제 서비스의 지각된 위험과 수용저항에 미치는 영향에 관한 연구

  • Kim, Sanghyun (School of Business Administration, Kyungpook National University) ;
  • Park, Hyun-Sun (BK21+, School of Business Administration, Kyungpook National University)
  • Received : 2017.10.27
  • Accepted : 2017.12.20
  • Published : 2017.12.28
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Abstract

This study investigates to investigate the factors that influence user resistance of mobile payment services. We suggested individual and technical characteristics of mobile payment services as factors influencing perceived risk and user resistance. In addition, we suggested negative security recognition as moderating variable. To test the proposed hypotheses, we collected 349 survey responses from the users of mobile payment services and conducted structural equation modeling with SmartPLS2.0. The results show that, first, negative social influence, risk aversion and distrust in existing services had an effect on the perceived risk. Second, the pace of change and vulnerability had an effect on the perceived risk. Third, perceived risk affected the user resistance while negative security recognition is related to the relationship between perceived risk and user resistance.

모바일 결제 서비스가 빠르게 확산되고 있는 시점에서 안정적인 성장을 위해서는 수용요인뿐만 아니라 사용저항을 유발하는 요인을 이해하고 이를 줄이거나 제거하려는 노력이 필요하다. 이에 본 연구는 모바일 결제 서비스에 대한 사용자의 저항행동에 영향을 미치는 요인을 선행연구를 통해 도출하고 이들 간의 관계를 살펴보기 위한 실증분석을 진행하였다. 이를 위해 총 8주간 설문조사법을 통해 자료를 수집하였으며 SmartPLS2.0을 사용하여 가설검증을 위한 분석을 실시하였다. 실증분석 결과, 부정적 사회영향, 위험회피성향, 기존서비스불신은 지각된 위험에 유의한 영향을 미치는 것으로 나타났으며 기술의 변화속도와 취약성은 지각된 위험에 유의한 영향을 미치는 것으로 나타났다. 또한, 지각된 위험은 사용자저항에 유의한 영향을 미치는 것으로 나타났으며 부정적 보안인식은 지각된 위험과 사용자저항 간의 관계를 강화시키는 것으로 나타났다. 본 연구의 결과는 모바일 결제 서비스와 관련된 서비스나 기술을 제공하는 기업이나 사람들에게 사용자저항에 영향을 미칠 수 있는 요인들에 대한 유용한 정보를 제공할 수 있을 것으로 기대한다. 뿐만 아니라 모바일 결제 서비스가 꾸준히 성장하는데 있어 학문적으로 관련 연구를 진행하는데 유용한 학문적 시사점을 제공할 수 있을 것으로 기대한다.

Keywords

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