Journal of Internet of Things and Convergence (사물인터넷융복합논문지)

The Korea Internet of Things Society (한국사물인터넷학회)
권호 표지
DOI QR코드

DOI QR Code

A Study on Corporate Blockchain Business Conditions and Financial Platform Promotion Plans

블록체인 기업실태 및 금융플랫폼 촉진 방안 연구

  • Sangho Lee (Dept. of Smart Business, Mokpo National University) ;
  • Kwangmoon Cho (Dept. of Electronic Commerce, Mokpo National University)
  • 이상호 (목포대학교 스마트비즈니스학과) ;
  • 조광문 (목포대학교 전자상거래학과)
  • Received : 2023.04.08
  • Accepted : 2023.05.30
  • Published : 2023.06.30
Download PDF
⟨ Previous Next ⟩

Abstract

The purpose of this study is to identify the difficulties in business implementation that blockchain suppliers are experiencing, and to suggest ways to promote blockchain technology by solving them. First, industrial surveys of blockchain supply companies were collected. Next, a survey was conducted to confirm whether financial service users intend to use blockchain technology. The research results are as follows. First, in user characteristics, usefulness and innovation were found to have an effect on intention to use. In the technical characteristics, suitability and reliability were found to affect the intention to use. Second, in user characteristics, usefulness and innovativeness were found to affect the intention to use by mediating promotion conditions. In the technical characteristics, suitability and reliability were found to affect the intention to use by mediating the promotion conditions. Third, it was found that the new technology environment modulates the effect of ubiquity and innovativeness on the intention to use. The new technology environment was found to moderate the impact of security on intention to use. Fourth, it was found that the organizational environment moderates the effect of security and suitability on the intention to use. A plan to solve the difficulties of these blockchain suppliers and a plan to promote blockchain-based financial services are presented.

본 논문의 목적은 블록체인 공급기업이 겪고 있는 사업 수행의 어려움을 파악하고, 이를 해소하여 블록체인 기술을 촉진할 수 있는 방안을 제시하는데 있다. 먼저, 블록체인 공급기업의 산업실태조사를 수집하였다. 다음으로 금융서비스 이용자가 블록체인 기술을 사용할 의도가 있는지를 확인하기 위하여 설문조사를 실시하였다. 연구결과는 다음과 같다. 첫째, 이용자 특성에서 유용성과 혁신성은 사용 의도에 영향이 미치는 것으로 나타났다. 기술적 특성에서 적합성과 신뢰성은 사용 의도에 영향이 미치는 것으로 나타났다. 둘째, 이용자 특성에서 유용성과 혁신성은 촉진 조건을 매개하여 사용 의도에 영향을 미치는 것으로 나타났다. 기술적 특성에서 적합성과 신뢰성은 촉진 조건을 매개하여 사용 의도에 영향을 미치는 것으로 나타났다. 셋째, 신기술 환경은 편재성과 혁신성이 사용 의도에 미치는 영향을 조절하는 것으로 나타났다. 신기술 환경은 보안성이 사용 의도에 미치는 영향을 조절하는 것으로 나타났다. 넷째, 조직적 환경은 보안성과 적합성이 사용 의도에 미치는 영향을 조절하는 것으로 나타났다. 이러한 블록체인 공급기업의 애로사항을 해소할 수 있는 방안과 블록체인 기반 금융서비스를 촉진 방안을 제시하였다.

Keywords

References

  1. J.H.Seo, "Utilization of Blockchain in the Financial Industry and Future Tasks," Finance Brief, Vol.25, No.39, pp.3-9, 2016.
  2. S.H.Lee and K.M.Cho, "A Study on the Intention to Use the Loan Service of the Mobile-Based Financial Platform," Journal of The Korea Internet of Things Society, Vol.8, No.3, pp.1-10, 2022.
  3. National Information Society Agency, Block chain-based data distribution model vitalization plan, Digital Insight, 2022.
  4. J.H.Hong, "Technology Evaluation of Blockchain Technology and Applicability to Financial Sector," Journal of Payment and Settlement, Vol.13, No.1, pp.221-255, 2021. https://doi.org/10.22898/KPSAKR.2021.13.1.221
  5. National IT Industry Promotion Agency, 2021 blockchain industry fact-finding survey, 2022.
  6. S.I.Cho, "A Study on Factors Affecting the Intention to Use of New Access Media in e-Financial Transactions," Graduate School of Soongsil University, Doctoral Dissertation, 2018.
  7. H.J.Lee, "A Study on the Factors Causing the Intention to Use of Fintech-based Mobile Easy Payment Service," Graduate School of Soongsil University, Doctoral Dissertation, 2017.
  8. K.H.Kim,, "A Study on the Factors Affecting Switching Intention of Public Certificate Storage: Focused on Smart Certificate(USIM)," Graduate School of Soongsil University, Doctoral Dissertation, 2017.
  9. K.H.Kwak, "A Study on the Factors Affecting Usage Intention of Block Chain Based P2P(Peer to Peer) Lending Financial Platform," Graduate School of Soongsil University, Doctoral Dissertation, 2020.
  10. J.B.Seo, "A Study on Factors Affecting the Intention to Use Human Resource Cloud Service, Graduate School of Soongsil University," Doctoral Dissertation, 2018.
  11. P.K.Kannan, A.M.Chang and A.B.Whinston, Wireless Commerce: Marketing Issues and Possibilites, Proceedings of the 34th Hawaii International Conference System Science, IEEE Computer Society Press, Los Alamitos, 2001.
  12. S.Y.Kim, "A Study on the Factors Affecting the Intention to Use Biometrics in Payment Services," Graduate School of Soongsil University, Doctoral Dissertation, 2017.
  13. I.S.Park, "Study on the User Acceptance Model of Mobile Credit Card Sevices based on Unified Theory of Acceptance and Use of Technology(UTAUT)," Graduate School of Kookmin University, Doctoral Dissertation, 2013.
  14. K.K.Seo, "Factor Analysis of the Cloud Service Adoption Intension of Korean Firms : Applying the TAM and VAM, Journal of Digital Convergence," Vol.11 No.12, pp.155-160, 2013. https://doi.org/10.14400/JDPM.2013.11.12.155
  15. S.Y.Kim, "A Study on the Intention of Block Chain Acceptance and the Activation of Block Chain Technologies: Focused on the Logistics," Graduate School of Incheon National University, Doctoral Dissertation, 2018.
  16. B.C.Hwang, "An Empirical Study on the Factors Influencing the Users' Continuance Intention of Smartphone Payment Services by Types of Services," Graduate School of Kyungpook National University, Doctoral Dissertation, 2016.
  17. C.K.Han, "An Influence of the Perceived Risk Characteristic and User Characteristic Affecting Intent of the Use Biometric-Based Non Face-to-Face Authentication System in Financial Transactions," Graduate School of Hansung University, Doctoral Dissertation, 2018.
  18. R.M.Baron and D.A.Kenny, "The Moderate-Mediator Variable Distinction in Social Psychological Research: Conceptual, Strategic and Statistical Considerations," Journal of Personality and Social Psychology, Vol.51, pp.1173-1182, 1986. https://doi.org/10.1037/0022-3514.51.6.1173
  19. L.S.Aiken and S.G.West, "Multiple regression: Testing and interpreting interactions," Thousand Oaks: Sage Publications, 1991.