핀테크디지털샌드박스(D-테스트베드) 이용의도에 관한 연구
The Study on the Intention of the Use of Fintech Digital Sandbox (D-Testbed)
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Purpose: The purpose of this study was to investigate factors influencing the intention to use Fintech Digital Sand(D-Testbed), which facilitate digital innovation in the financial sectors and allow fintech startups to simulate the PoC their innovative ideas before starting a business. Methods: This study used the Extended Technology Acceptance Model (TAM2), with independent variables such as social influence, personal innovativeness, service quality, relative advantage, and security concerns used in previous studies, for analysis. For mediator variables, the perceived usefulness and perceived ease of use were used in this study. Results: The results indicated that social influence and perceived usefulness have a positive effect on the intention to use. It was also analyzed that relative advantage has a mediating effect on perceived usefulness whereas service quality nor personal innovativeness are not statistically significant mediation. On the other hand, perceived ease of use on the intention is not statistically significant. By this, it was confirmed that the intention to use Fintech Digital Sand(D-Testbed) was to improve the business performance of fintech companies, but not because it was easy to learn and take less effort. Conclusion: The finding of the study provides valuable implications for invigorating the use of fintech digital sandbox(D-testbed) and identifying the factors that affect the perception and intention to use among employees in fintech companies in advance.
Abstract
Purpose: The purpose of this study was to investigate factors influencing the intention to use Fintech Digital Sand(D-Testbed), which facilitate digital innovation in the financial sectors and allow fintech startups to simulate the PoC their innovative ideas before starting a business. Methods: This study used the Extended Technology Acceptance Model (TAM2), with independent variables such as social influence, personal innovativeness, service quality, relative advantage, and security concerns used in previous studies, for analysis. For mediator variables, the perceived usefulness and perceived ease of use were used in this study. Results: The results indicated that social influence and perceived usefulness have a positive effect on the intention to use. It was also analyzed that relative advantage has a mediating effect on perceived usefulness whereas service quality nor personal innovativeness are not statistically significant mediation. On the other hand, perceived ease of use on the intention is not statistically significant. By this, it was confirmed that the intention to use Fintech Digital Sand(D-Testbed) was to improve the business performance of fintech companies, but not because it was easy to learn and take less effort. Conclusion: The finding of the study provides valuable implications for invigorating the use of fintech digital sandbox(D-testbed) and identifying the factors that affect the perception and intention to use among employees in fintech companies in advance.
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