• The Journal of the Korea Contents Association
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• v.12 no.11
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• pp.303-312
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• 2012

In this paper we investigate the factors influencing the intention to use of smart-phone mobile banking service in China. We include the characteristics of smart-phone, mobile banking service, and users to the research model and also consider user satisfaction as an intervening variable. We try to find and prove the factors influencing the intention to use of smart-phone mobile banking service by surveying 206 chinese users and using structural equation model. This empirical paper proves that mobility, instance connectivity, use convenience, and intimacy give positive effects to intention to use of smart-phone mobile banking service. In addition, this paper indicates some managerial implications that mobility, access speed and the easy user interface can help to increase the degree of user acceptance.

• Informatization Policy
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• v.21 no.3
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• pp.102-127
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• 2014

Although mobile banking provides cost-saving opportunities as well as convenient banking experience for customers, today's banks still face challenges when deploying the technology because a good number of customers are reluctant to use mobile banking for personal reasons. This paper is an empirical investigation of the determinants of the intention to use smartphone-based mobile banking services. The determinants are grouped into two categories including personal factors and social influence factors. We conducted an empirical analysis using 751 survey responses collected from present users of mobile banking services. The results of the analysis reveal that all the personal factors have positive relationships with the intention to use mobile banking services. On the other hand, it was found that of the social influence factors, perceived herding behavior has significantly positive relationship with the intention to use smartphone-based services, whereas subjective norm is not significantly related to the intention. We provide practical as well as academic implications of the research findings.

• Proceedings of the Korean Society for Quality Management Conference
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• 2006.11a
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• pp.3-7
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• 2006

언제 어디서나 은행 업무를 처리할 수 있는 모바일 뱅킹 서비스는 모바일 환경의 급속한 성장으로 인해 관심이 높아지고 있다. 이에 본 연구에서는 새로운 채널로 부각되는 모바일 뱅킹서비스의 이용을 확대하기 위해서, 모바일 서비스 특성이 모바일 뱅킹 이용의도에 영향을 미치는 요인들을 규명하고자 한다. 이를 위해 정보기술의 수용 요인 분석에 유용한 TAM 모형을 기반으로 모바일 서비스 특성을 나타내는 즉시 연결성, 보안, 놀이성을 추가하였다. 또한, 모바일 서비스에 대한 개인의 신념이 모바일 뱅킹 사용의도에 미치는 영향을 살펴보고자 한다.

• 한국IT서비스학회:학술대회논문집
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• 2009.11a
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• pp.89-98
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• 2009

초고속 인터넷 서비스 보급의 확산에 따라 인터넷 이용이 더욱 편리해지고 일상화되면서 인터넷 뱅킹은 새로운 기술혁신의 수용이 아니라 생활 속에 자리 잡은 일상의 금융서비스가 되었다. 이러한 디지털 금융환경의 변화로 인해 이제 국내에도 인터넷 전문은행의 도입에 대한 시장여건이 한층 성숙되어지고 있으며, 이에 따라 인터넷 전문은행의 성공적인 시장 진입의 가능성에 대한 관심도 그 어느 때 보다 고조되고 있다. 본 연구는 이러한 시장의 관심을 반영하여, 기존 인터넷 뱅킹 사용자들이 인터넷 전문은행이 도입 될 경우 전환에 대해 어떠한 수용태도를 보일 것인지에 대해 실증 분석을 통해 그 가능성을 타진해 보고자 하였다.

• The Journal of the Korea Contents Association
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• v.10 no.6
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• pp.404-414
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• 2010

The primary purpose of this paper is to identify the influencing factors on the post acceptance behavior of user in internet banking. For this purpose, a research model and hypotheses are developed based on the relevant literature reviews. Data have been collected from 248 users who have used internet banking and the research hypotheses were tested by covariance structural model analysis. The results of this empirical study are summarized as follows. First, security, confirmation, and perceived ease of use have positive influence upon user's perceived usefulness. Second, security, economy efficiency, and confirmation have positive influence upon user's satisfaction. Third, loyalty incentives have positive influence upon continuance intention. Lastly, user's perceived usefulness have positive effect on the satisfaction, and user's perceived usefulness and satisfaction positively related to continuance intention in internet banking. The findings have significant implications for internet banking service providers.

• The Journal of Information Systems
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• v.22 no.1
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• pp.201-223
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• 2013

모바일뱅킹은 빠르게 성장하고있으며 은행서비스의 많은 부분이 모바일뱅킹에서 제공되고 있다. 하지만, 모바일뱅킹을 사용자들이 수용하는데 개인의 혁신성이 어떠한 영향을 미치는지에 대한 연구는 많이 이루어지지 않고 있다. 불행히도 모바일뱅킹은 그 특성상 제한된 화면을 사용자들이 사용하기가 용이하지 않다. 본 연구는 개인혁신성(PI)의 관점에서 모바일뱅킹을 수용하는데 영향을 미치는 요인을 밝히고 자하였다. 특히 다른 정보시스템에서 많이 사용된 지각된 유용성(USF) 및 사용의 용이성(EOU) 변수뿐만 아니라 지각된 즐거움(ENJ)의 요인을 추가하여 모바일뱅킹 수용에서 영향요인을 분석하고자 하였다. 또한, 본 연구에서는 336명의 모바일뱅킹의 사용자들에게 설문을 실시하였으며, 응답자들을 두 그룹(개인 혁신성이 높은 그룹과 낮은 그룹)으로 분류하여 구조방정식모형에서 집단간차이를 분석하였다. 본 연구결과 개인 혁신성(PI) 모바일뱅킹 수용에 영향을 미치는 것으로 분석되었다. 세부적으로 분석해 보면 개인혁신성이 높은 그룹이 낮은 그룹 보다 더 많은 영향을 받는 것으로 분석되었다. 특히, 사용의도와 사용의 유용성 그리고 지각된 즐거움 사이의 경로계수 값의 크기가 개인혁신성이 높은 그룹이 낮은 그룹보다 높았다. 여기서 지각된 즐거움의 경우 개인 혁신성이 높은 그룹이 낮은 그룹 보다 더 많은 영향을 받는 것으로 분석되었다. 이러한 연구의 결과는 모바일뱅킹 서비스의 성장과 확대에 실무적으로 사용할 수 있을 것으로 분석된다.

• The Journal of the Korea Contents Association
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• v.21 no.9
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• pp.312-321
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• 2021

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.

• Journal of Korea Society of Industrial Information Systems
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• v.14 no.1
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• pp.73-89
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• 2009

This research examines the factors that influence a consumer's decision to switch to new self-service technologies. The model related to attitudes, anticipated outcomes and intentions to change a behavior was assessed using structural equation modeling at the context of a banking industry. The results revealed that 1) an attitude toward a staff, Internet banking, and an ATM would influence an attitude toward a bank, 2) an attitude toward Internet banking and ATM influence utility and enjoyment, and an attitude toward Internet banking and staff affect social acceptance, 3) an attitude toward a bank was positively associated with enjoyment, 4) an attitude toward Internet banking had a positive effect on the intention, but an attitude toward an ATM had a negative one, and 5) both anticipated outcomes, enjoyment and social acceptance, were found to influence an intention to change behavior, but utility was found to affect negatively.

• Journal of Korea Society of Industrial Information Systems
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• v.22 no.1
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• pp.11-21
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• 2017

Internet Banking Offers Major Advantages for Both Banks and Customers. However, Not All People have equal Access or Skills to use such Services. The Main Objective of this Study is to Understand the Fctors Influencing Internet Banking Usage we Developed a Research Model Drawing from the UTAUT and Digital Divide Research. The Model was Tested and find more than 90% of Variance of Internet Banking Usage was Explained by the Model. Results Demonstrate that the Strongest Factor Influencing the Intention to adopt Internet Banking Services is the Degree to which an Individual Believes that it is Safe to use such Services. In the Paper, all the Hypotheses Except for the Hypothesis on the Effort Expectation are Accepted with Statistical Significance.

• Proceedings of the Korean DIstribution Association Conference
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• 2007.08a
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• pp.87-102
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• 2007