DOI QR코드

DOI QR Code

A Comparative Study of Factors Affecting the Intention to Use Mobile Payment Services: Focusing on the Types of Mobile Payment Services and Different Age Groups

모바일결제 사용의도의 주요 요인에 관한 비교 연구: 연령 및 모바일결제 서비스 유형에 따른 비교

  • Received : 2017.04.21
  • Accepted : 2017.09.15
  • Published : 2017.09.30

Abstract

The purpose of this paper is the comparative analysis of factors affecting the intention to use mobile payment services. This research compares the types of mobile payment services and different age groups. The result reveals that consumers' innovativeness has a positive impact on the intention to use mobile payment services in case of smartphone-only pay and compatibility and image have a positive effect on the intention to use mobile payment services in case of online pay. There is no significant influencing factor in the case of mobile app card. Moreover, the study reveals that consumers' innovativeness, trust in other domains, and compatibility positively affect the intention to use mobile payment services in the 30-49 age group. In the 50-69 age group, image has a positive impact and perceived risk has a negative impact on the intention to use mobile payment services. There is no significant influence factor in the 10-29 age group. This study is a first-time comparative analysis of factors affecting the intention to use mobile payment services focusing on the types of mobile payment services and different age groups.

본 연구는 다양한 모바일결제 서비스들을 대상으로 모바일결제 서비스의 유형과 연령에 따라 모바일결제 사용의도에 영향을 미치는 요인들을 비교 분석하였다. 연구 결과, 스마트폰 전용 페이 유형에서는 소비자 혁신성이 모바일결제 사용의도에 정(+)의 영향을 미치며, 온라인 페이 유형에서는 호환성과 이미지가 모바일결제 사용의도에 정(+)의 영향을 미치는 것으로 나타났다. 모바일 앱 카드 유형의 경우에는 모바일결제 사용의도에 영향을 미치는 요인이 없는 것으로 나타났다. 그리고 30대와 40대의 경우에는 소비자 혁신성, '모바일결제 서비스 외의 이전 서비스에 대한 신뢰' 및 호환성이 모바일결제 사용의도에 정(+)의 영향을 미쳤다. 50대와 60대의 소비자 그룹에서는 이미지가 모바일결제 사용의도에 정(+)의 영향을 미치며, 지각된 위험이 모바일결제 사용의도에 부(-)의 영향을 미치는 것으로 나타났다. 10대와 20대의 경우에는 모바일결제 사용의도에 유의한 영향을 미치는 요인이 없는 것으로 나타났다. 본 연구에서는 모바일결제 서비스의 유형과 연령에 따라 모바일결제 사용의도에 영향을 미치는 요인들을 처음으로 비교 분석하였다는데 연구의 의의가 있다. 모바일결제 서비스를 제공하는 기업들은 목표로 하는 소비자 그룹에 모바일결제 서비스의 사용을 촉진하기 위해서 연구의 결과를 활용하여 해당 그룹에 잘 맞는 전략을 사용해야 한다.

Keywords

References

  1. M. Krueger, The future of m-payments : Business options and policy issues, 2001.
  2. H. Amin, "An Analysis of Mobile Credit Card Usage Intentions," Information Management & Computer Security, vol. 15, no. 4, pp. 260-269, 2007. DOI: https://doi.org/10.1108/09685220710817789
  3. H. S. Shin, Effect of user characteristics of mobile media on recognition and acceptance of mobile AD, Doctoral Dissertation, Sogang University, 2011.
  4. Rogers, E. M., Diffusion of Innovation, 5th eds. NY: The Free Press, 2003.
  5. E. S. Park, H. J. Woo, "A Study on Factors Affecting the Intention to Use Personal Cloud Service: Focused on the Convergence Model of TAM and PMT," Cybercommunication Academic Society, vol. 30, no. 2, pp. 111-150, 2013.
  6. Agarwal, R., J. Prasad, "A Conceptual and Operational Definition of Personal Innovativeness in the Domain of Information Technology," Information Systems Research, vol. 9, no. 2, pp. 204-215, 1998. DOI: https://doi.org/10.1287/isre.9.2.204
  7. Mowen, J. C., Consumer Behavior, Prentice-Hall, 1995.
  8. Goldsmith, R., Hofacker, C., "Measuring consumer innovativeness," Journal of the Academy of Marketing Science, vol. 19, no. 3, pp. 209-221, 1991. DOI: https://doi.org/10.1007/BF02726497
  9. G. Kim, B. Shin, H. G. Lee, "Understanding dynamics between initial trust and usage intentions of mobile banking," Information Systems Journal, vol. 19, no. 3, pp. 283-311, 2009. DOI: https://doi.org/10.1111/j.1365-2575.2007.00269.x
  10. D. H. McKnight, V. Choudhury, C. Kacmar, "Developing and validating trust measures for e-commerce: an integrative typology," Information Systems Research, vol. 13, no. 3, pp. 334-359, 2002. DOI: https://doi.org/10.1287/isre.13.3.334.81
  11. D. Gefen, E. Karahanna, D. W. Straub, "Trust and TAM in online shopping: an integrated model," MIS Quarterly, vol. 27, no. 1, pp. 51-90, 2003. https://doi.org/10.2307/30036519
  12. P. A. Pavlou, D. Gefen, "Building effective online marketplaces with institutionbased trust," Information Systems Research, vol. 15, no. 1, pp. 37-59, 2004. DOI: https://doi.org/10.1287/isre.1040.0015
  13. K. J. Stewart, "Trust transfer on the World Wide Web," Organization Science, vol. 14, no. 1, pp. 5-17, 2003. DOI: https://doi.org/10.1287/orsc.14.1.5.12810
  14. K. C. Lee, I. Kang, D. H. McKnight, "Transfer from offline trust to key online perceptions: an empirical study," IEEE Transactions on Engineering Management, vol. 54, no. 4, pp. 729-741, 2007. DOI: https://doi.org/10.1109/TEM.2007.906851
  15. Yaobin Lu, Shuiqing Yang, Patrick Y. K. Chau, Yuzhi Cao, "Dynamics between the trust transfer process and intention to use mobile payment services: A crossenvironment perspective," Information & Management, 48, pp. 393-403, 2011. DOI: https://doi.org/10.1016/j.im.2011.09.006
  16. Dahlberg, T., J. Guo, J. Ondrus, "A critical review of mobile payment research," Electronic Commerce Research and Applications, 14, pp. 265-284, 2015. DOI: https://doi.org/10.1016/j.elerap.2015.07.006
  17. H. S. Yoo, M. Y. Kim, O. B. Kwon, "A Study of Factors Influencing Ubiquitous Computing Service Acceptance," The Journal of Society for e-Business Studies, vol. 13, no. 2, pp. 117-147, 2008.
  18. J. W. Lee, "Determinants of SCM Diffusion and Performance," The Korea Society of Management Information System-Fall Conference, pp. 230-248, 2009.
  19. M. J. Nam, "Investigating Factors Affecting the Adoption of Korean Quick Service Restaurant," Journal of Hospitality and Tourism Studies, vol. 17, no. 1, pp. 188-206, 2015.
  20. C. H. Song, "Mobile Phone and Extension of Human Communication," Korean Journal of Communication & Information, 27, pp. 183-212, 2004.
  21. B. H. Chang, Y. G. Kim, "An Exploratory Study on Factors Affecting the Adoption Intent of Triple Play Service: Focusing on College Students," Korean Journal of Broadcasting and Telecommunication Studies, vol. 21, no. 5, pp. 165-203, 2007.
  22. Y. J. Kim, J. M. Jung, E. J. Lee, "What Drives the Adoption and Usage of Smartphone Applications?: Factors Affecting Degree of Use, Continuous Use, and Recommendation," Korean Journal of Journalism & Communication Studies, vol. 55, no. 6, pp. 227-252, 2011.
  23. Venkatesh Viswanath, Morris G. Michael, Davis B. Gordon, Davis D. Fred, "User Acceptance of Information Technology: Toward a Unified View," MIS Quarterly, vol. 27, no. 3, pp. 425-478, 2003. https://doi.org/10.2307/30036540
  24. J. S. Lee, "Factors Influencing Mobile Commerce Adoption and the Moderating Effect of Gender: Focused on Shanghai and Guangzhou," Journal of International Commerce and Information, vol. 16, no. 3, pp. 26-50, 2014.
  25. S. Y. Lee, "Connectivity and Perfectly Secure Message Transmission on Mobile Networks," Journal of Korean Institute of Information Technology, vol. 8, no. 6, pp. 105-111, 2010.
  26. C. Van Slyke, J. T. Shim, R. Johnson, J. Jiang, "Concern for Information Privacy and Online Consumer Purchasing," Journal of the Association for Information Systems, vol. 7, no. 6, pp. 415-444, 2006. https://doi.org/10.17705/1jais.00092
  27. J. H. Lee, "The Main Country's Trend Analysis and Correspondence Strategy in E-commerce," The journal of professional management, vol. 6, no. 2, pp. 235-255, 2003.
  28. Kalakota, R., Robinson, M., M-Business: The Race to Mobility, New York, NY: McGrew-Hill, 2002.
  29. Hann, I-H., Hui, K-L., Lee, S-Y., Png, I. P. L., "Overcoming Online Information Privacy Concerns: An Information-Processing Theory Approach," Journal of Management Information Systems, vol. 24, no. 2, pp. 13-42, 2007. DOI: https://doi.org/10.2753/MIS0742-1222240202
  30. Belanger, F. and Crossler, R. E., "Privacy in the Digital Age: A Review of Information Privacy Research in Information Systems," MIS Quarterly, vol. 35, no. 4, pp. 1017-1041, 2011. https://doi.org/10.2307/41409971
  31. Thaler. R., "Mental accounting and consumer choice," Marketing Science, vol. 4, no. 3, pp. 199-214, 1985. DOI: https://doi.org/10.1287/mksc.4.3.199
  32. D. J. Kim, D. L. Ferrin, H. R. Rao, "A trust-based consumer decision-making model in electronic commerce: the role of trust, perceived risk, and their antecedents," Decision Support Systems, vol. 44, no. 2, pp. 544-564, 2008. DOI: https://doi.org/10.1016/j.dss.2007.07.001
  33. D. J. Kim, D. L. Ferrin, H. R. Rao, "Trust and satisfaction, two stepping stones for successful e-commerce relationships: a longitudinal exploration," Information Systems Research, vol. 20, no. 2, pp. 237-257, 2009. DOI: https://doi.org/10.1287/isre.1080.0188
  34. Kim, C., M. Mirusmonov and I. Lee, "An Empirical Examination of Factors Influencing the Intention to use Mobile Payment," Computers in Human Behavior, 26, pp. 310-322, 2010. DOI: https://doi.org/10.1016/j.chb.2009.10.013
  35. Lee Min-Hwa, "Determinants of Intention to Use Internet Banking: Social Influence, Perceived Risk and Individual Differences," Korea Journal of Business Administration, vol. 16, no. 3, pp. 757-776, 2003.
  36. G. H. Jung, Y. C. Choe, H. D. Park, I. H. Jang, "Study on the Relationship Between Factors of Farmers' Adoption and Continuous Use of Innovative Technology," Journal of Agricultural Education and Human Resource Development, vol. 42, no. 3, pp. 109-137, 2010. DOI: https://doi.org/10.23840/agehrd.2010.42.3.109
  37. Foxall, G. R., "Marketing new technology: Markets, hierarchies, and user-initiated innovation," Managerial and Decision Economics, vol. 9, no. 3, pp. 237-250, 1988. DOI: https://doi.org/10.1002/mde.4090090309
  38. H. H. Kuan and G. W. Bock, "Trust transference in brick and click retailers: an investigation of the before-online-visit phase," Information & Management, vol. 44, no. 2, pp. 175-187, 2007. DOI: https://doi.org/10.1016/j.im.2006.12.002
  39. J. Park, S. Yang, "The moderating role of consumer trust and experiences: value driven usage of mobile technology," International Journal of Mobile Marketing, vol. 1, no. 2, pp. 24-32, 2006.
  40. N. Mallat, "Exploring consumer adoption of mobile payments: a qualitative study," Journal of Strategic Information Systems, vol. 16, no. 4, pp. 413-432, 2007. DOI: https://doi.org/10.1016/j.jsis.2007.08.001
  41. Teo, T. S. H., Pok, S. H., "Adoption of WAP-enabled mobile phones among internet users," Omega, vol. 31, no. 6, pp. 483-498, 2003. DOI: https://doi.org/10.1016/j.omega.2003.08.005
  42. H. S. Han, S. I. Joung, W. S. Park, "Applications of Innovation Adoption and Diffusion Theory to IPTV Loyalty Formation Process," The Journal of Society for e-Business Studies, vol. 16, no. 4, pp. 335-357, 2011. https://doi.org/10.7838/jsebs.2011.16.4.335
  43. Y. E. Huh, S. H. Kim, "Do early adopters upgrade early? Role of post-adoption behavior in the purchase of next-generation products," Journal of Business Research, vol. 61, no. 1, pp. 40-46, 2008. DOI: https://doi.org/10.1016/j.jbusres.2006.05.007
  44. Y. J. Suh, E. J. Lim, M. H. Lim, S. H. Joung, "The Effect of Babyboom Generation's DISC behavior type on the Intention to Use Mobile Instant Messenger: Focused on Mediating Effect of Social Image and playfulness of Mobile Instant Messenger," Journal of Consumer Studies, vol. 25, no. 6, pp. 157-179, 2014.
  45. Chen, K., Rea, A. I., "Protecting Personal Information Online: A Survey of User Privacy Concerns and Control Techniques," Journal of Computer Information Systems, vol. 44, no. 4, pp. 85-92, 2004.
  46. S. H. Kim, Lei Li, "Factors Affecting the Intention to Use of Smart-Phone Banking Service: A Case of Chinese Users," The Korea Contents Society, vol. 12, no. 11, pp. 303-312, 2012.
  47. Schmidt, R., K. Lytinen, M. Keil, P. Cule, "Identifying Software Project Risks: An International Delphi Study," Journal of Management Information Systems, vol. 17, no. 4, pp. 5-36, 2001. DOI: https://doi.org/10.1080/07421222.2001.11045662
  48. K. Y. Lee, "Factors Influencing the Usage of the Mobile Payment System: Focused Payment Authentication System by Hand-held Phone," Journal of Business Research, vol. 20, no. 4, pp. 93-119, 2005.
  49. S. H. Kang, H. K. Kim, "A Study on the User's Acceptance and Use of Easy Payment Service: Focused on the Moderating Effect of Innovation Resistance," Management Information Systems review, vol. 35, no. 2, pp. 167-183, 2016.
  50. S. I. Chae, Social Science Investigation Methodology, Hakhyeonsa, 2001.
  51. Hong, S. H., Hwang, M. H., Lee, E. S., "Latent means analysis of the career-barrier scale for Korean female adolescents," The Korean Journal of Educational Psychology, vol. 19, no. 4, 1159-1177, 2005.