핀테크와 기존은행 비교를 통한 금융 마이데이터 서비스 사용자 경험 분석

Abstract

Background With the development of digital technology, the perception of data sovereignty is increasing as various data are fused. Accordingly, MyData was implemented in earnest with the revision of the Data 3 Act in August 2020, and the utilization of MyData in the financial sector is increasing. Therefore, this study aims to find meaningful factors that affect the use of financial MyData to improve the user experience of financial MyData services and analyze the user experience by financial platform. Methods Through in-depth interviews, factors that have a significant effect on the use of MyData services were found, and menus mainly used were selected and analyzed. After evaluating factor items and surveying platform preference for each main menu through a survey, statistical analysis of paired t-test and chi-squared test was conducted using the SPSS 26.0 program. Result Factors affecting the use of financial MyData services discovered through in-depth interviews are intuition, understanding, reliability, convenience, and data initiative. When a total of five main menus were selected and analyzed, the contents provided by financial technology (fintech) and existing banks were different. As a result of the survey, fintech was highly evaluated for all five menus for platform preference. Conclusion This study is meaningful in that it analyzed and compared financial MyData services of fintech and existing banks to find meaningful factors that affect users through user surveys.