[논문]대중 교통을 위한 NFC 결제 시스템 사용의도에 영향을 미치는 요인에 관한 연구 -베트남 호치민 시민을 중심으로

리수안황; 한경석

doi:10.9728/dcs.2018.19.3.569

대중 교통을 위한 NFC 결제 시스템 사용의도에 영향을 미치는 요인에 관한 연구 -베트남 호치민 시민을 중심으로
A Study on Factors Influencing the Intention to Use NFC Payment System for Public Transport - Focused on Ho Chi Minh Citizens in Vietnam 원문보기

디지털콘텐츠학회 논문지 = Journal of Digital Contents Society, v.19 no.3, 2018년, pp.569 - 577

리수안황 (숭실대학교 경영대학 경영학과) , 한경석 (숭실대학교 경영대학 경영학과)

초록
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근거리 무선통신 (NFC)은 전 세계적으로 주목 받고 있는 유용한 기술이다. NFC 모바일 결제는 많은 금융 기관을 포함한 기술 회사에서 개발되었고 특히 대중교통에 많이 적용되고 있다. 본 연구에서 우리는 NFC 결제 시스템을 채택하려는 의도에 영향을 미치는 NFC 시스템에 관련된 주요 요인들을 확인하였다. 이러한 연구 가설을 검증하기 위하여 최근 한국에서 Post China로 많은 관심을 받고 있는 베트남의 경제 중심지인 호치민시에 거주하는 355 명의 응답자를 대상으로 설문을 통하여 자료를 수집하고 Amos를 활용하여 통계적 분석을 실시하였다. 이론적으로는 기술 수용 모델 (TAM)을 사용하였다. 사회적 영향력, 신뢰, 보안, 사용자의 편의성 모두가 매개변수(인지된 유용성 및 사용용이성)를 통하여 NFC결제 방법 사용의도 및 실제 사용에 영향을 미치는 중요한 역할을 하는 것으로 나타났다.

Abstract ▼ AI-Helper

Near-Field Communication(NFC) is a useful technology that is receiving worldwide attention. NFC mobile payment systems are being developed by many technology companies including financial institutions especially for the public transportation. In this research we find several factors for the intention to adopt NFC payment system. We surveyed 355 respondents who live in Ho Chi Minh city, Vietnam which became more interested by Korean as a post China country to test our research hypothesis. Using Technology Acceptance Model(TAM) we find that the factors of Social influence, Trust, Security, and Users' Convenience play the significant role to the factor of Intention to Use of NFC payment system.

주제어

AI 본문요약
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가설 설정

H1a: The social influence has a positive impact on the perceived ease of use of intention to use NFC payment.
H1b: The social influence has positive impact on the perceived usefulness of intention to NFC payment.
H2a: Trust has a positive impact on the perceived ease of use of intention to use NFC payment.
H2b: Trust has positive impact on the perceived usefulness of intention to NFC payment.
H3a: Security has a positive impact on the perceived ease of use of intention to use NFC payment.
H3b: Security has positive impact on the perceived usefulness of intention to NFC payment.
H4a: User’s Convenience has a positive impact on the perceived ease of use of intention to use NFC payment.
H4b: User’s Convenience has positive impact on the perceived usefulness of intention to NFC payment.
H5a: Perceived Ease of Use has a positive impact on the perceived usefulness of intention to NFC payment.
H5b: Perceived Ease of Use has positive impact on the intention to NFC payment.
H6: Perceived Usefulness has a positive impact on the perceived usefulness of intention to NFC payment.
H7: Intention to Use has a positive impact on the Usage to NFC payment.
H8 ~ H11: Intention to Use NFC payment will be moderated by Gender, Income, Education level and Age.

제안 방법

Moreover, perceived usefulness and perceived ease of use influence significant to intention to use and then contribute to the decision to use NFC. Although, there are limitation about sample and context, the research identified the overview of factors affecting intention of use NFC payment system for public transport.
An NFC chip in a smartphone can be used to communicate with another NFC-ready device. The technology operates in a two-way fashion, so that information can be passed in both directions. That means manager can electronically authorize payment to the station via an NFC-ready smartphone or smartphone, and the station's NFC payment terminal can then send the phone a receipt as well as a coupon or other promotion for a future purchase.
To evaluate the influence of Gender, Income, Education, and Age as a moderator on the research model, the moderating effect analysis was conducted. The pairwise parameter comparison confirms individually the difference between the groups.

대상 데이터

The data was collected through online survey randomly Vietnamese who live in Ho Chi Minh city, Vietnam by Google Docs tool (Table 2). A final analysis was conducted using 355 responses out of a total of 386 responses, excluding 31 negative responses.

성능/효과

945*** in the effect of the Perceived Ease of Use on Security. Finally, the result shows that Perceived Usefulness of the Gender effect the Usage, and the difference test statistic is -2.525**.
The analysis shows a significant finding with regard to Perceived Usefulness is the most influenced by Perceived Ease of Use (β=0.541, p<0.001).
In order to confirm the possibility of group differences according to the Income, we reorganized and compared under 500 USD/ month (Low Income) and upper 500 USD/ month (High Income). The results indicate that Perceived Usefulness has effect on Usage is more important in High Income than Low Income, the difference test statistic is -3.141*** (Table 9).
The study found that Intention to Use have similar effect to perceived ease of use and perceived usefulness. This mean if the users aware the perceived ease of use and perceived usefulness, it will enhance intention of use immediately.

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