오픈뱅킹 기반의 마이데이터 서비스 이용의도에 관한 연구

• 영문명: A Study on the Intention to Use MyData Service based on Open Banking
• 발행기관: 한국IT서비스학회
• 저자명: 이종섭(Jongsub Lee) 최재섭(Jaeseob Choi) 최정일(Jeongil Choi)
• 간행물 정보: 『한국IT서비스학회지』한국IT서비스학회지 제21권 제1호, 1~19쪽, 전체 19쪽
• 주제분류: 경제경영 > 경영학
• 파일형태: PDF
• 발행일자: 2022.02.28

영문 초록

With the revision of the Credit Information Use and Protection Act in August 2020, the MyData service based on open banking policy will take effect in January 2022. Nonetheless, the previous studies focused on the legal system or security-related issues of such service. Therefore, this paper conducted an empirical study on financial consumers aged 20 or older nationwide to analyze the factors which influence the intention to use MyData services based on open banking. Five characteristics representing open banking-based MyData service were derived through prior research, and a research model that combined value-based adoption model and privacy calculus theory was presented. The proposed research model and the relationship of its variables was analyzed using a sample of 400 users that is randomly selected. The results of empirical analysis showed that personalization had the greatest influence on benefits and reliability on sacrifice among service characteristics. They also suggested that MyData operators should devote themselves to providing customized services optimized for customers and establishing trust relationships. It was confirmed that both usefulness and enjoyment had a great influence on perceived value, and in terms of sacrifice, the burden of financial costs had a greater influence than privacy concerns. This study is meaningful in that it explored the psychological propensity of financial consumers to identify service utilization factors and presented a new approach that can contribute to the successful settlement of the domestic MyData industry.

목차

Ⅰ. 서론

Ⅱ. 이론적 배경

Ⅲ. 연구모형 및 가설

Ⅳ. 연구방법 및 실증분석

Ⅴ. 결론

키워드

MyData Open Banking Privacy Calculus Theory Value-based Adoption Model