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The Effect of Consumers’ Cognitive and Practical Knowledge in Accepting Mobile Banking

김미예
한국소비자정책교육학회 (Korean Society of Consumer Policy and Education)|2020.03|소비자정책교육연구 (Consumer Policy and Education Review)|제16권 제1호|pp. 89-108

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참고문헌

키워드

신뢰TrustPractical KnowledgeAcceptancePerceived Ease of Use소비자 지식Mobile Banking ServiceConsumer Knowledge신기술 수용모바일뱅킹 서비스Cognitive Knowledge용이성 인식

초록

Recently, as internet-based shopping and internet banking services have expanded into the mobile sector, mobile banking services have been showing a rapid increase. The increasing number of consumers using mobile banking services means that consumers are rapidly adopting technologies related to mobile banking services. The study examined the influence of consumer knowledge on the acceptance of mobile banking services by applying the Technology Acceptance Model(TAM). The study structurally analyzed how consumer knowledge (cognitive knowledge and practical knowledge) influences mobile service acceptance after going through “perceived ease of use” and “trust,” which are critical variables in the mobile banking services. The result showed that the cognitive knowledge and practical knowledge are both positively influencing “perceived ease of use” and “trust” of mobile banking. Also, the study was able to confirm that both variables are positively impacting the acceptance of mobile banking. The study examined the relationship between consumer knowledge, mobile banking property, and acceptance through the structural equation model (SEM).

Abstract

Recently, as internet-based shopping and internet banking services have expanded into the mobile sector, mobile banking services have been showing a rapid increase. The increasing number of consumers using mobile banking services means that consumers are rapidly adopting technologies related to mobile banking services. The study examined the influence of consumer knowledge on the acceptance of mobile banking services by applying the Technology Acceptance Model(TAM). The study structurally analyzed how consumer knowledge (cognitive knowledge and practical knowledge) influences mobile service acceptance after going through “perceived ease of use” and “trust,” which are critical variables in the mobile banking services. The result showed that the cognitive knowledge and practical knowledge are both positively influencing “perceived ease of use” and “trust” of mobile banking. Also, the study was able to confirm that both variables are positively impacting the acceptance of mobile banking. The study examined the relationship between consumer knowledge, mobile banking property, and acceptance through the structural equation model (SEM).

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