Journal of the Korea Convergence Society (한국융합학회논문지)

Korea Convergence Society (한국융합학회)
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A Study on the Factors of Satisfaction & WOM Regarding to Financial Institutions Internet and Smartphones Application On-line Usage of Financial Customers

금융소비자의 인터넷, 스마트폰 어플리케이션 등 금융기관 온라인 시스템 이용에 따른 만족과 구전에 미치는 효과 요인 연구

  • Jeon, Seong-Ki (Department of Digital Design, Kyungsung University) ;
  • Kwon, Man-Woo (School of Digital Media, Kyungsung University) ;
  • Lee, Sang-Ho (School of Digital Media, Kyungsung University)
  • 전성기 (경성대학교 디지털디자인학과) ;
  • 권만우 (경성대학교 디지털미디어학부) ;
  • 이상호 (경성대학교 디지털미디어학부)
  • Received : 2020.05.25
  • Accepted : 2020.08.20
  • Published : 2020.08.28
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Abstract

Recently, in Korea, financial institutions such as banks are most severely affected by the universalization of the Internet and smartphones. On the other hand, the use of online systems by financial institutions keeps increasing; the convenience of online services has a significant influence on the attraction and the retention of financial customers; consumer needs are also diversely expressed. This paper deduces from the precedent researches a mechanism that online financial system enhances the trust of customers -the medium of the online system and other customers- and its perceived easiness affects its perceived effectiveness and then all these internal variables induce satisfaction. Plus, this paper aims at verification of the hypothesis in terms of an extended technology acceptance model, based on the hypothesis that word of mouth and repurchase are significantly linked to this mechanism. Through this study, the researchers tried to check how the online service quality and emotional factors of financial institutions affect the users in accordance with the trend of changes in the service usage method of financial institutions, and confirmed that the hypothesis was not rejected.

최근 국내에서 은행과 같은 금융기관은 인터넷과 스마트폰의 보편화로 인한 영향을 가장 심하게 받고 있다. 한편 금융기관의 온라인 시스템 이용은 계속 증가추세에 있고, 온라인 서비스의 편리성이 금융고객의 유치와 유지에 상당한 영향을 주고 있으며, 소비자 욕구도 다양하게 표출되고 있는 상황이다. 본 논문은 이러한 환경에서 선행연구를 통하여 추론한 온라인 금융의 고객접점인 고객의 신뢰를 증진시키면서 지각된 용이성이 지각된 유용성에 영향을 주고 이 내부변인들은 만족을 유도하며, 곧 구전과 재구매에 영향을 미치는 중요한 요소임을 가정하여 가설을 세웠고 확장된 기술수용모형으로써 검증하고자 하였다. 연구자들은 본 연구를 통해 금융기관 서비스 이용방법의 변화 트렌드에 맞춰 금융기관의 온라인 서비스 품질과 감성적 요인들이 이용자에게 어떤 영향을 주는지 확인하고자 하였으며, 가설이 기각되지 않음을 확인하였다. 또한 스마트폰 등을 활용한 금융기관 온라인 서비스의 혁신이 오프라인 객장의 감소에도 불구하고 온·오프라인 양측면의 활성화에 기여 할 수 있을 것으로 보았다.

Keywords

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