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• 영문명: Impact of FinTech Users' UTAUT and User Characteristics on Continuance Intention
• 발행기관: 한일경상학회
• 저자명: 이정은(Jeong-Eun Lee)
• 간행물 정보: 『한일경상논집』제103권, 41~55쪽, 전체 15쪽
• 주제분류: 경제경영 > 경영학
• 파일형태: PDF
• 발행일자: 2024.05.30

영문 초록

Purpose: The purpose of this paper is to examine the effects of Effort Expectancy, Performance Expectancy, Social Influence, and Facilitation Condition on Continuance Intention through Innovation Resistance and Trust, based on the Unified Theory of Acceptance and Use of Technology among FinTech users. Research design, data, and methodology: The data for this study were collected through surveys distributed to employees of related companies in the Busan-Ulsan-Gyeongnam region, with 300 questionnaires distributed and 289 retrieved. After excluding 22 questionnaires due to insincere responses or missing data, a total of 267 valid questionnaires were used for statistical analysis. The analysis involved ensuring the normality of variables through descriptive statistics, verifying reliability with Cronbach's alpha values, confirming validity through exploratory factor analysis, and testing hypotheses with structural equation modeling. Results: The impact of Effort Expectancy on Innovation Resistance was rejected, while the impact of Performance Expectancy on Innovation Resistance was accepted. The effects of Social Influence on Innovation Resistance and Facilitation Condition on Innovation Resistance were both rejected. The impact of Effort Expectancy on Trust and the impact of Performance Expectancy on Trust were accepted. The effects of Social Influence on Trust were rejected, but the impact of Facilitation Condition on Trust was accepted. The influence of Innovation Resistance on Continuance Intention was rejected, while the impact of Trust on Continuance Intention was accepted. Implications: By analyzing the causes and effects of Innovation Resistance to FinTech services, this study presents a model for predicting Innovation Resistance that can be applied to various FinTech services. This is crucial for minimizing resistance and enhancing acceptance during the development of new FinTech services, providing a foundation for effective recommendations and marketing strategies for contact-less services based on the results of this study.

목차

1. 서론

2. 이론적 배경 및 연구가설

3. 연구설계

4. 실증분석

5. 결론

References

키워드

FinTech Unified Technology Theory of Acceptance(UTAUT) Innovation Resistance Trust Continuance Intention