학술논문
A Study on Influencing Factors on Users’ Intention to Accept Open Banking: Moderating Effect of Financial Literacy
이용수 15
- 영문명
- A Study on Influencing Factors on Users’ Intention to Accept Open Banking: Moderating Effect of Financial Literacy
- 발행기관
- 한국무역학회
- 저자명
- 고은하(Eun-Ha Koh)
- 간행물 정보
- 『Journal of Korea Trade (JKT)』Vol.27 No.6, 99~118쪽, 전체 20쪽
- 주제분류
- 경제경영 > 무역학
- 파일형태
- 발행일자
- 2023.12.31
5,200원
구매일시로부터 72시간 이내에 다운로드 가능합니다.
이 학술논문 정보는 (주)교보문고와 각 발행기관 사이에 저작물 이용 계약이 체결된 것으로, 교보문고를 통해 제공되고 있습니다.
국문 초록
영문 초록
Purpose - This study aims to explore the factors affecting users’ intentions regarding open banking. It extends the Unified theory of Acceptance and Use of Technology (UTAUT) by integrating perceived risk, initial trust, and financial literacy into the conceptual models. Since the government allowed open API access to the accounts of fintech firms and commercial banks, open banking has expanded rapidly in Korea from 2019. Understanding the factors influencing users’ intention to use this new system is important, given that open baking is still in the development stage.
Design/methodology - Conceptual models were adopted from relevant literature and a string of hypotheses were developed. This study analyzed a data set of 439 Korean survey respondents and applied the initial trust model and the united theory of acceptance and use of technology(UTAUT) model.
Findings - The results of the study show that performance expectancy, effort expectancy, and initial trust are the three major factors stimulating the use of open banking, whereas risks negatively affect its adoption. Financial literacy played a moderating role between these factors and the intention to use open banking. There was a difference in the impact of social influence on open banking users due to the degree of financial understanding. In addition, the moderating effect was verified according to the age group, the frequency of open banking use, and the number of accounts owned to check whether there are differences according to the characteristics of each group.
Originality/value - This study is significant because it uses the level of financial knowledge as a moderating variable in users’ adoption of open banks, and is the first to investigate whether differences in users’ levels of financial knowledge affect their intention to use financial innovation.
목차
1. Introduction
2. Literature Review
3. Conceptual Model and Hypotheses Development
4. Results of Empirical Analysis
5. Conclusion
References
해당간행물 수록 논문
- Journal of Korea Trade (JKT) Vol.27 No.6 목차
- What We Are Missing in the Analysis of Intranational Consumption Risk Sharing: Empirical Evidence from South Korea
- The Impact of Corporate Environmental Factors on Green Supply Chain Management and Corporate Performance
- The Impact of Drug Approval-Patent Linkage System on Patent Applications: Evidence from the KORUS FTA
- Enhancing Trade Settlement: A Meta- Analysis and VAR Model Approach to RMB Activation in International Transactions
- Determinants of Green Technology Diffusion and Green Trade
- A Study on Influencing Factors on Users’ Intention to Accept Open Banking: Moderating Effect of Financial Literacy
참고문헌
관련논문
최근 이용한 논문
교보eBook 첫 방문을 환영 합니다!
신규가입 혜택 지급이 완료 되었습니다.
바로 사용 가능한 교보e캐시 1,000원 (유효기간 7일)
지금 바로 교보eBook의 다양한 콘텐츠를 이용해 보세요!