블록체인 기반 금융 플랫폼 특성과 사용 의도에 관한 연구
A Study on the Characteristics of Blockchain-Based Financial Platform and the Intention to Use
0
조회
0
다운로드
2
인용
0
참고문헌
키워드
초록
본 연구에서는 블록체인 기반 금융 플랫폼의 이용자 특성과 기술적 특성이 금융 소비자의 사용 의도에 미치는영향을 분석하였다. 또한 이러한 영향 관계에서 상대적 이점과 인지된 위험이 사용 의도에 어떠한 인과 관계가 있는지를 분석하였다. 2021년 6월 1일부터 7월 30일까지 블록체인 기술이 접목된 금융 플랫폼을 사용한 경험이 있는 대상자를 표본으로 비대면 자기기입식 온라인 설문조사를 실시하였고, 187부로 연구를 진행하였다. 통계처리는 SPSS 21.0 프로그램을 이용하여 빈도 분석, 탐색적 요인 분석, 신뢰도 분석, 상관관계 분석, 다중 회귀분석, 3단계 매개 회귀분석을실시하였다. 통계값의 유의 수준은 95% 미만으로 하였다. 연구 결과는 다음과 같다. 첫째, 이용자 특성에서 혁신성과유용성이 사용 의도에 영향을 미치는 것으로 나타났다. 둘째, 기술적 특성에서 적합성과 신뢰성이 사용 의도에 영향을미치는 것으로 나타났다. 셋째, 이용자 특성과 사용 의도의 관계에서 상대적 이점과 인지된 위험은 부분매개 역할을하는 것으로 나타났다. 넷째, 기술적 특성과 사용 의도의 관계에서 상대적 이점과 인지된 위험은 부분매개 역할을 하는것으로 나타났다. 다섯째, 인증서 사용 경험에 따라 이용자 특성의 편재성, 기술적 특성의 적합성, 사용 의도에서 차이가 있는 것으로 나타났다. 이러한 연구의 결과가 사물인터넷을 기반으로 한 금융 플랫폼 발전에 기여할 수 있을 것이다.
Abstract
In this study, the effect of user characteristics and technical characteristics of a blockchain-based financial platform on the intention to use of financial consumers was analyzed. Also, in this influence relationship, we analyzed what kind of causal relationship between relative advantage and perceived risk on intention to use. From June 1 to July 30, 2021, a non-face-to-face self-filling online survey was conducted with a sample of subjects who had experience using a financial platform grafted with blockchain technology, and the study was conducted in 187 copies. For statistical processing, frequency analysis, exploratory factor analysis, reliability analysis, correlation analysis, multiple regression analysis and 3-step mediated regression analysis were performed using SPSS 21.0 program. The significance level of the statistical value was set to less than 95%. The research results are as follows. First, it was found that innovativeness and usefulness affect the intention to use in the user characteristics. Second, in the technical characteristics, compatibility and reliability were found to affect the intention to use. Third, it was found that relative advantage and perceived risk play a partial mediating role in the relationship between user characteristics and intention to use. Fourth, it was found that relative advantage and perceived risk play a partial mediating role in the relationship between technical characteristics and intention to use. Fifth, it was found that there were differences in the ubiquity of user characteristics, compatibility of technical characteristics and intention to use according to the experience of using the certificate. The results of this study can contribute to the development of a financial platform based on the Internet of Things.
참고문헌 (21)
- S. I. Cho, "A Study on Factors Affecting the Intention to Use of New Access Media in e-Financial Transactions", Doctoral, pp.2018
- K. H. Kwak, "A Study on the Factors Affecting Usage Intention of Block Chain Based P2P(Peer to Peer)Lending Financial Platform", Doctoral, pp.2020
- S. Y. Kim, "A Study on the Factors Affecting the Intention to Use Biometrics in Payment Services", Doctoral, pp.2017
- H. J. Lee, "A Study on the Factors Causing the Intention to Use of Fintech-based Mobile Easy Payment Service", Doctoral, pp.2017
- K. H. Kim, "A Study on the Factors Affecting Switching Intention of Public Certificate Storage : Focused on Smart Certificate(USIM)", Doctoral, pp.2017
- P. K. Kannan, "Wireless Commerce: Marketing Issues and Possibilites", Proceedings of the 34th Hawaii International Conference System Science (2001), IEEE Computer Society Press
- K. Siau, "Mobile Commerce : Promises, Challenges, and Research Agenda", Journal of Database Marketing, 12(3), pp.4~13 (2001)
- J. B. Seo, "A Study on Factors Affecting the Intention to Use Human Resource Cloud Service, Graduate School of Soongsil University", Doctoral, pp.2018
- I. S. Park, "Study on the User Acceptance Model of Mobile Credit Card Sevices based on Unified Theory of Acceptance and Use of Technology(UTAUT)", Doctoral, pp.2013
- 서광규, "TAM과 VAM을 적용한 기업의 클라우드 서비스 채택의도의 영향요인 분석", 디지털융복합연구, 11(12), pp.155~160 (2013), 한국디지털정책학회[DOI]
- 정덕화, "오픈마켓 이용자의 지각된 위험이 신뢰와 충성도에 미치는 영향", 한국지식정보기술학회 논문지, 9(4), pp.455~463 (2014), 한국지식정보기술학회
- S. Y. Kim, "A Study on the Intention of Block Chain Acceptance and the Activation of Block Chain Technologies : Focused on the Logistics", Doctoral, pp.2018
- P. G. Schierz, "Understanding Consumer Acceptance of Mobile Payment Services : An Empirical Analysis", Electronic Commerce Research and Applications, 9(3), pp.209~216 (2010)
- B. C. Hwang, "An Empirical Study on the Factors Influencing the Users' Continuance Intention of Smartphone Payment Services by Types of Services", Doctoral, pp.2016
- S. Ram, "A Model of Innovation Resistance", Advances in Consumer Research, 14, pp.208~212 (1987)
- J. N. Sheth, "Psychology of Innovation Resistance : The Less Developed Concept in Diffusion Research", Research in Marketing, 4, pp.273~282 (1979)
- 황신해, "핀테크 지급결제 서비스 수용 저항요인 연구 : 혁신저항이론과 현상유지편향이론을 중심으로", 정보시스템연구, 27(1), pp.133~151 (2018), 한국정보시스템학회[DOI]
- J. S. Park, "A Study on Difference of Consumer Knowledge and Underlying Technology Perception on Introduction of Blockchain Based Transaction Authentication Technology : Focused on Innovation Resistance Model", Doctoral, pp.2018
- V. Venkatesh, "User Acceptance of Information Technology : Toward a Unified View", MIS Quarterly, 27(3), pp.425~478 (2003)
- C. K. Han, "An Influence of the Perceived Risk Characteristic and User Characteristic Affecting Intent of the Use Biometric-Based Non Face-to-Face Authentication System in Financial Transactions", Doctoral, pp.2018
- R. M. Baron, "The Moderate-Mediator Variable Distinction in Social Psychological Research : Conceptual, Strategic and Statistical Considerations", Journal of Personality and Social Psychology, 51, pp.1173~1182 (1986)