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Why Smartphone Users are Not Using Mobile Banking: Focusing on the Difference between Passive Resistance and Active Resistance

스마트폰 사용자가 모바일뱅킹을 사용하지 않는 이유: 소극적 저항과 적극적 저항의 차이를 중심으로

  • Received : 2018.08.27
  • Accepted : 2018.09.26
  • Published : 2018.09.30

Abstract

Purpose The purpose of this study is to investigate the reason why smartphone users do not use mobile banking based on Status Quo Bias and to find out whether there is a difference between passive resistance and active resistance. Design/methodology/approach This study made a design of the research model based on Status Quo Bias. SPSS 23.0 and SmartPLS 2.0 were used for the analysis. Multiple group analysis was performed to identify differences between groups. Findings According to the empirical analysis result, this study confirmed that inertia and perceived risk affected smartphone users who do not use mobile banking. According to the type of resistance, the active resistance group(64.2%) was more than the passive resistance group(35.8%), and it was confirmed that there was a difference in the reasons for not using mobile banking between passive and active resistance group. That is, the greatest difference between passive and active resistance groups was found to be perceived risk, which is an assessment of risk.

Keywords

References

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