금융소비자의 마이데이터에 대한 인식과 맞춤형 마이데이터서비스 이용을 위한 금융정보 제공의향

Abstract

This study tried to find out whether financial consumers are aware of MyData, their perception of financial information management(hereinafter referred to as FIM) and their intention to use the service, and their intention to provide financial information for paid or free MyData service. The main research results are as follows. First, 66.8% of the survey subjects were unaware of MyData. Second, there was no difference by gender in the level of concern about damage caused by forgery, misuse, and infringement of financial information. There were significant differences according to age, education, and subjective financial knowledge. Those in their thirties, and the group with high subjective financial knowledge, had higher concerns about financial information management as well as the will to exercise their right to self-determination than those of other age groups. The level of education and income differed in the degree of concern about forgery or misuse of financial information. However, there was no significant difference between groups, although the mean itself was high in the severity of leakage. Third, the intention to use MyData service was higher in the younger group than in the older age group, in the group with higher education level than the group, in the group with higher subjective financial knowledge than in the group with low subjective financial knowledge, and in the group knowing more than the group not knowing MyData. appear. Fourth, regarding the intention to provide financial information to use the customized stock investment service, income expenditure management service, and comprehensive financial planning service for a fee, the intention to provide financial information was less than 2.5 in all services, and among them, the comprehensive financial planning service was the highest. When all services were free, the intention to provide information was higher than when all services were paid, and income expenditure management service was the highest. The intention to provide information for both free and paid stock investment services was lower than that of other services. Fifth, when income-expenditure management service and comprehensive financial planning service were paid, those in twenties were more likely to provide financial information than other age groups.