• The Journal of Information Systems
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• v.20 no.4
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• pp.103-117
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• 2011

The rapid pace of adoption of mobile handsets has created new mobile financial services. The success of mobile financial information systems will depend on consumer self-efficacy and a sound business model. Self-efficacy has been described as the belief that one is capable of performing in a certain manner to attain certain goals. This is directly related to consumer behavior, but it also affects consumer behaviors indirectly through its impact on goals. And self-efficacy influences the challenges that people take on as well as how high they set their goals. The objective of the study to investigates the effect of self-efficacy on mobile financial information systems. In order to do that, self-efficacy, mobile financial information systems reliability, mobile financial information systems use intensity are conceptualized by survey questionnaire. Our empirical analysis based on 462 survey data shows that self-efficacy effects on mobile financial information systems quality. In addition we also found that self-efficacy effects on mobile financial systems reliability and usage intention. And we found that mobile financial information systems reliability effects on mobile financial systems use intention. And we also found that mobile financial information systems usage intention effects mobile financial systems quality.

• Journal of Information Technology Applications and Management
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• v.13 no.2
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• pp.67-86
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• 2006

Based on literature relating to the TAM (technology acceptance model) and TPB (theory of planned behavior), this study extends the TAM in a mobile banking context. The extended model was tested using LISREL analysis on the sample of 222 users who have experience with the banking service. The model was partially supported in a mobile banking context, accounting for 49% of the variance in the usage intention. The results showed that the perceived usefulness, the perceived credibility, and the perceived financial cost play a significant role in influencing the usage intention of the mobile banking service. In addition, instant connectivity and perceived credibility were found to influence the perceived usefulness, and self-efficacy and instant connectivity were found to influence the perceived ease of use. Implications of these findings are discussed for researchers and practitioners.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.20 no.6
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• pp.1096-1102
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• 2016

Various services have been provided due to the recent development of IT technology and widespread usage of smartphones. In recent years, Fintech service that provides financial services through mobile devices has been the trending issue. However, mobile payment services haven't been widely used. The risk factors that appear when users seek to utilize a service, in particular, is one of the biggest hinderance in the expansion of mobile payment services. The failure of gaining the trust of the consumers appear to be the continuing hinderance factor. Therefore this study is to analyse the impact of perceived risk factors on trust and continuance intention of mobile payment services. For the research purpose, we conducted survey and the research results show that most of perceived risk factors have influence on trust and continuance intention except on the impact of perceived financial risk on trust.

• Journal of Digital Convergence
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• v.17 no.2
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• pp.127-134
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• 2019

The purpose of this study was to investigate the factors affecting the behavior intention of smartphone mobile banking service among tourists. Currently, due to the development of mobile Internet technology and the spread of smartphone all over the world, interest and spread of smart phone based mobile banking is popularized. Thus, we analyzed the relationship among performance expectancy, social influence, facilitating conditions, perceived financial cost, perceived habit, perceived security level, and user's behavioral intention as a dependent variable. In this study, 203 respondents were interviewed about Chinese tourists at Jeju International Airport, and the influence of independent variables was determined by Smartpls 3.0. The results showed that the perceived security level and habit had a positive effect on the behavior intention. Especially, perceived security is a major issue of smartphone-based mobile banking in recent years. This study is meaningful in that it is an analysis of behavior factors of smartphone-based mobile banking service for tourists.

• Journal of Intelligence and Information Systems
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• v.23 no.4
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• pp.33-56
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• 2017

As Internet usage is becoming more common worldwide and smartphone become necessity in daily life, technologies and applications related to mobile Internet are developing rapidly. The results of the Internet usage patterns of consumers around the world imply that there are many potential new business opportunities for mobile Internet technologies and applications. The location-based service (LBS) is a service based on the location information of the mobile device. LBS has recently gotten much attention among many mobile applications and various LBSs are rapidly developing in numerous categories. However, even with the development of LBS related technologies and services, there is still a lack of empirical research on the intention to use LBS. The application of previous researches is limited because they focused on the effect of one particular factor and had not shown the direct relationship on the intention to use LBS. Therefore, this study presents a research model of factors that affect the intention to use and actual use of LBS whose market is expected to grow rapidly, and tested it by conducting a questionnaire survey of 330 users. The results of data analysis showed that service customization, service quality, and personal innovativeness have a positive effect on the intention to use LBS and the intention to use LBS has a positive effect on the actual use of LBS. These results implies that LBS providers can enhance the user's intention to use LBS by offering service customization through the provision of various LBSs based on users' needs, improving information service qualities such as accuracy, timeliness, sensitivity, and reliability, and encouraging personal innovativeness. However, privacy concerns in the context of LBS are not significantly affected by service customization and personal innovativeness and privacy concerns do not significantly affect the intention to use LBS. In fact, the information related to users' location collected by LBS is less sensitive when compared with the information that is used to perform financial transactions. Therefore, such outcomes on privacy concern are revealed. In addition, the advantages of using LBS are more important than the sensitivity of privacy protection to the users who use LBS than to the users who use information systems such as electronic commerce that involves financial transactions. Therefore, LBS are recommended to be treated differently from other information systems. This study is significant in the theoretical point of contribution that it proposed factors affecting the intention to use LBS in a multi-faceted perspective, proved the proposed research model empirically, brought new insights on LBS, and broadens understanding of the intention to use and actual use of LBS. Also, the empirical results of the customization of LBS affecting the user's intention to use the LBS suggest that the provision of customized LBS services based on the usage data analysis through utilizing technologies such as artificial intelligence can enhance the user's intention to use. In a practical point of view, the results of this study are expected to help LBS providers to develop a competitive strategy for responding to LBS users effectively and lead to the LBS market grows. We expect that there will be differences in using LBSs depending on some factors such as types of LBS, whether it is free of charge or not, privacy policies related to LBS, the levels of reliability related application and technology, the frequency of use, etc. Therefore, if we can make comparative studies with those factors, it will contribute to the development of the research areas of LBS. We hope this study can inspire many researchers and initiate many great researches in LBS fields.

• Journal of Service Research and Studies
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• v.7 no.4
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• pp.51-68
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• 2017

Financial technology (FinTech) is an emerging financial service sector include innovations in financial literacy and investment, retail banking, education, and crypto-currencies like bitcoin. One of the crucial branch of financial technology-third-party payment (TPP) is undergoing rapid growth, with online/mobile systems replacing offline financial systems. System quality and user attitudes are key perceptions driving third-party payment usage, the importance of these perceptions, however, may be different with countries as users' thinking varies from country to country. Thus, the purpose of this study is to elaborate how factors differ from China to Korea by drawing on the unified theory of acceptance and use of technology (UTAUT2). Additionally, this study also aims to propose a multi-attribute evaluation of the third-party online payment system based on analytic hierarchy process (AHP), fuzzy sets and technique for order performance by similarity to ideal solution (TOPSIS), to examine the relative importance of the perceptions influencing new technology adoption intention. The results showed that the price value has the most significant influence on Chinese perceptions, while the perceived credibility has the most significant effect on Korean perceptions. Sub-criteria also performs different results to Chinese and Korean third-party online payment system.