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http://dx.doi.org/10.5392/JKCA.2021.21.09.312

The Influence of Open Banking Characteristics on Intention to Use Open Banking  

Oh, Eun-Hae (대구한의대학교 통상경제학부)
Publication Information
The Journal of the Korea Contents Association / v.21, no.9, 2021 , pp. 312-321 More about this Journal
Abstract
With the full implementation of open banking in which both banks and fintech companies participate, changes in the whole society such as new types of products, services, and businesses are taking place. Whenever new systems and environments change, research on technology acceptance by system users has been continued, and this study also verified how the characteristics of open banking affect the perceived ease of use and usefulness of the Technology Acceptance Model, and the intention to use open banking. As a result of the study, it was found that both information provision, service interactivity, and system stability had a significant effect on perceived ease of use, usefulness, and intention to use open banking. In the future, open banking may bring significant benefits to data sharing, financial access, banking infrastructure, product innovation and pricing, but it is also expected to bring unexpected damage. Therefore, domestic financial institutions should actively cope with the situation where the business environment is greatly changing due to the digital environment change, and at the same time actively foster fintech companies and promote innovation in the financial industry.
Keywords
Open Banking; Information Provision; Service Interactivity; System Stability; Perceived Usefulness; Perceived Ease of Use; Intention to Use; TAM;
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