모바일 뱅킹 이용자의 개인정보 유출사고 인지가 개인정보관리 준수행동에 미치는 영향에 대한 사전 연구
A Preliminary Research on the Impact of Perception of Personal Information Leakage Incidents on the Behavior of Individual Information Management in the Mobile Banking Contexts
0
조회
0
다운로드
7
인용
0
참고문헌
키워드
초록
최근 모바일 서비스 증가와 함께 다양한 개인정보 유출사고가 증가하고 있다. 개인정보 유출사고는 개인의 모바일 뱅킹 서비스 이용에 중요한 영향을 미친다. 이에 따라 본 연구에서는 다양한 개인정보 유출사고 인지가 모바일 뱅킹 이용자의 심리와 행동에 미치는 영향관계를 살펴보았다. 본 연구에서는 모바일 뱅킹 이용자의 심리와 행동 이해를 위해 인간의 심리와 행동을 설명해주는 대인행동이론과 외부 자극에 대한 반응 결과를 설명해주는 자극반응이론을 활용하였다. 본 연구자들은 모바일 뱅킹 이용자들을 대상으로 온라인을 통해 설문조사를 수행하였고, 구조방정식 모델을 통해 인과관계를 분석하였다. 본 연구결과는 모바일 뱅킹 서비스를 제공하는 금융기관에서 개인정보보호 관련 준수의도와 준수행동을 강화하는데 유용하게 활용될 것이다.
Abstract
Recently, personal information leakage incidents with increased usage of mobile services are increasing. Personal information leakage incidents can have a significant impact on an individual's mobile banking services. Accordingly, we examine relationships among individual's psychological characteristics, intention and behavior regarding compliance in an individual's perception on personal information leakage incidents in mobile banking contexts. In this study, for explaining our research model and understanding with personal psychology and behavior in mobile banking contexts, we adopted two theories, theory of interpersonal behavior and stimulus-response theory. We collected the 55 data using online surveyor and then analyzed structural equation model in order to find causal relationships among research variables. The results of this study should be useful to the mobile banking services companies in promoting service users to follow the information privacy policies.
참고문헌 (25)
- 김보, "모바일 앱 개인정보 침해현황 및 대응방안 (금융, 안드로이드 운영체제 중심으로)", 한국인터넷방송통신학회 논문지, 14(6), pp.267~272 (2014), 한국인터넷방송통신학회[DOI]
- The Bank of Korea, "The second quarter of 2015 domestic Internet banking service usage", ~ (2015)
- 윤일한, "정보보안 컴플라이언스와 위기대응이 정보보안 신뢰에 미치는 영향에 관한 연구", Information Systems Review, 17(1), pp.141~169 (2015), 한국경영정보학회[DOI]
- 정기석, "금융사 개인정보 유출 방지 방안에 관한 연구", 융합보안 논문지, 14(4), pp.109~116 (2014), 한국융합보안학회
- W. Cheung, "Prediction of Internet and World Wide Web usage at work: a test of an extended Triandis model", Decision Support Systems, 30(1), pp.83~100 (2000)
- L.G. Pee, "Explaining non-work-related computing in the workplace : A comparison of alternative models", Information & Management, 45(2), pp.120~130 (2008)
- F.D. Davis, "User Acceptance of Computer Technology : A Comparison of Two Theoretical Models", Management Science, 35(8), pp.982~1003 (1989)
- V. Venkatesh, "Consumer acceptance and use of information technology : extending the unified theory of acceptance and use of technology", MIS quarterly, 36(1), pp.157~178 (2012)
- V. Venkatesh, "Determinants of Perceived Ease of Use: Integrating Control, Intrinsic Motivation, and Emotion into the Technology Acceptance Model", Information System Research, 11(4), pp.342~365 (2000)
- V. Venkatesh, "A Theoretical Extension of the Technology Acceptance Model : Four Longitudinal Field Studies", Management Science, 46(2), pp.186~204 (2000)
- O.K.D. Lee, "Why employees do non-work-related computing: an exploratory investigation through multiple theoretical perspectives. In System Sciences", Proceedings of the 38th Annual Hawaii International Conference on, pp.185c~185c (2005), IEEE
- F. L. Goodenough, "Edward Lee Thorndike : 1874-1949", The American Journal of Psychology, 63(2), pp.291~301 (1950)
- T. Verhagen, "The influence of online store beliefs on consumer online impulse buying : A model and empirical application", Information & Management, 48(8), pp.320~327 (2011)
- H. Kim, "E-atmosphere, emotional, cognitive, and behavioral responses", Journal of Fashion Marketing & Management, 14(3), pp.412~428 (2010)
- E.T. Loiacono, "WebQual : An instrument for consumer evaluation of web sites", International Journal of Electronic Commerce, 11(3), pp.51~87 (2007)
- S. Gounaris, "Person–place congruency in the Internet banking context", Journal of Business Research, 63(9), pp.943~949 (2010)
- D.V. Parboteeah, "The influence of website characteristics on a consumer’s urge to buy impulsively", Information Systems Research, 20(1), pp.60~78 (2009)
- Y.J. Wang, "Web aesthetics effects on perceived online service quality and satisfaction in an e-tail environment : The moderating role of purchase task", Journal of Business Research, 63(9), pp.935~942 (2010)
- H.C. Triandis, "Interpersonal behavior", pp.1977, Brooks
- F. D. Davis, "Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology", MIS Quarterly, 13(3), pp.319~340 (1989)
- I. Ajzen, "The Theory of Planned Behavior", Organizational Behavior and Human Decision Processes, 50(2), pp.179~211 (1991)
- J.C. Nunnally, "Psychometric theory" (1994), McGraw-Hall
- J.F. Hair, Jr., "A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM)" (2013), SEGE Publications, Inc
- C. Fornell, "Evaluating structural equation models with unobservable variables and measurement error", Journal of marketing research, 18(1), pp.39~50 (1981)
- M. Conner, "Extending the Theory of Planned Behavior : a review and avenues for future research", Journal of Applied Social Psychology, 28(15), pp.1429~1464 (1998)