Journal of Digital Convergence (디지털융복합연구)

The Society of Digital Policy and Management (한국디지털정책학회)
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An Exploratory Study on the Factors Determining Acceptance of Blockchain-Based Financial Platform by Gender

블록체인 기반 금융 플랫폼의 성별 수용의도 결정요인에 관한 탐색 연구

  • Kim, Si-Wook (Department of Convergence Industry, Seoul Venture University) ;
  • Park, Hyeon-Suk (Department of Convergence Industry, Seoul Venture University)
  • 김시욱 (서울벤처대학원대학교 융합산업학과) ;
  • 박현숙 (서울벤처대학원대학교 융합산업학과)
  • Received : 2020.02.07
  • Accepted : 2020.03.20
  • Published : 2020.03.28
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Abstract

In the fourth revolution resulting from ICT convergence, Blockchain-based platform is being applied to various fields. This trend is expected to become stronger in the future. This study aims to explore several factors pertaining to user acceptance of Blockchain-based financial platform. It is important for finance business managers and blockchain technical managers to verify the user's willingness to accept the blockchain. In this study, the factors determining the acceptance of blockchain-based platform we explore are innovation, convenience, security and preference. Based on the results of the survey, 465 users(male 262, female 212) completed the questionnaire, a structural equation analysis was used in order to analyze the blockchain's users acceptance framework. Through the results we were able to identify and validate the differences in innovation and convenience by gender as well as the factors determining the acceptance of blockchain-based financial platform.

정보통신기술의 융합에 따른 4차 혁명의 파고가 거세지고 있는 가운데 블록체인 기반 플랫폼의 활용범위가 크게 확장되고 있다. 이에 이 연구는 블록체인 기반 금융 플랫폼에 초점을 맞춰 플랫폼 이용자의 수용의도를 결정하는 요인을 탐색하고자 하였다. 특히, 이 연구는 블록체인 기반 플랫폼에 대한 이용자 수용의도에 관한 결정요인 탐색에서 금융 플랫폼을 대상으로 했다는 점 그리고 플랫폼 이용자 수용의도가 남녀 간 성별 차이가 있는지를 확인하는데 연구의 초점을 맞춰 살펴봤다는 점에서 의의가 있다. 이는 블록체인과 관련해 이용자의 수용의도를 탐색하는 것은 금융업계뿐 아니라 블록체인 기술 개발자에게 매우 중요한 사안이기 때문이다. 연구방법은 474명(남성 262명, 여성 212명)이 참여한 설문조사 결과를 토대로 구조방정식 모형을 적용하여 블록체인 기반 플랫폼의 이용자 수용의도 구조를 탐구하였다. 연구결과, 블록체인 기반 금융 플랫폼 이용자의 수용의도 결정요인으로서 혁신성, 편의성, 보안성, 선호성이 작동하는 것으로 나타났고, 이중 혁신성과 편의성 요인에서 남녀 성별 차이에 따른 수용의도 결정요인이 차이가 있음이 확인되었다.

Keywords

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