Information Systems Review (경영정보학연구)

The Korea Society of Management Information Systems (한국경영정보학회)
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Do Innovation and Relative Advantage Affect the Actual Use of FinTech Services?: An Empirical Study using Classical Attitude Theory

핀테크 서비스의 혁신성과 상대적 장점은 실질이용에 영향을 미칠까?: 고전적 태도이론을 이용한 실증 연구

  • Se Hun Lim (Department of MIS, Sangji University)
  • 임세헌 (상지대학교 경영정보학과)
  • Received : 2019.02.11
  • Accepted : 2019.07.17
  • Published : 2019.08.31
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Abstract

The Fintech services provide innovation to financial services users using various mobile devices and computers in wired and wireless communication environments. In this study, we develope a theoretical research framework to explain the psychology of Fintech services users based on a cognitive, affective, and conative framework. Using this framework, this study analyzes the relationships between the cognitive characteristics (i.e., innovation, relative advantage, ease of use, and usefulness), emotional characteristic (i.e., attitude), and behavioral characteristic (i.e., actual use) toward Fintech services users. This study conducted an online survey of people who have experienced using Fintech services. And the data of the collected Fintech services users was analyzed using structural equation model software (i.e., SMART PLS 2.0 M3). The results of the empirical analysis show the relationships between innovation, relative advantage, perceived usefulness, perceived ease of use, attitude, and actual use of Fintech service users. The results of this study provide useful information to improve the practical use of Fintech services users in the Internet of Things (IoT) environment.

핀테크 서비스는 유무선 통신 환경에서 다양한 디바이스를 연결해 금융서비스 이용자들에게 혁신을 제공해 주었다. 본 연구에서는 고전적 태도이론을 이용해 핀테크 서비스 이용자의 심리를 설명하였다. 이 이론적 프레임워크에 기반해, 본 연구에서는 핀테크 서비스 이용자들이 인지하는 혁신성과 상대적 장점이 인지적 반응(인지된 유용성과 이용 용이성)과 감정적 반응(태도)에 미치는 영향관계를 분석하였고, 그리고 태도가 행동 반응(실질이용)에 미치는 영향 관계에 대한 분석하였다. 본 연구에서는 핀테크 서비스 이용 경험 있는 사람들을 대상으로 온라인 설문조사를 수행하였다. 그리고, 수집된 핀테크 서비스 이용자의 데이터를 구조방정식 소프트웨어인 SMART PLS 2.0 M3를 이용해 구조모델을 분석하였다. 실증분석 결과를 살펴보면, 핀테크 서비스 이용자의 혁신성, 상대적 장점, 유용성, 이용 용이성, 태도, 실질이용 사이에는 유의한 인과관계가 존재하는 것으로 나타났다. 이러한 연구결과는 사물인터넷 환경에서 핀테크 서비스 이용자들의 실질이용 증진을 위한 유용한 정보를 제공해 줄 것이다.

Keywords

Acknowledgement

저자는 연구에 유용한 의견을 제안해주신 편집위원장님, 편집위원님, 그리고 두 분의 심사위원님들께 감사드립니다. 더불어 본 연구자는 핀테크 연구에 다양한 도움을 제공해주신 중앙대학교 허연 교수님과 북텍사스대학교 김단종 교수님께 감사드립니다. 본 연구는 2019년 상지대학교 교수 연구년제(연구학기제) 지원에 의해 이루어졌음.

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