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NTIS 바로가기디지털융복합연구 = Journal of digital convergence, v.18 no.8, 2020년, pp.133 - 149
The purpose of this study was to investigate the effect of perceived risk on continuous usage intention of Internet primary banks and to verify moderating effects of acceptance factors affecting customers' acceptance of Internet primary banks on the relationship between perceived risk and continuous...
핵심어 | 질문 | 논문에서 추출한 답변 |
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인터넷전문은행은 어떤 성과와 평가를 받았는가? | 무점포 비대면거래 방식으로 인터넷을 주요 채널로 활용하는 인터넷전문은행(Internet Primary Bank)이 2017년 정식 출범한지 2년이 되었다. 인터넷전문은행은 저금리와 저성장의 경제상황에서 금융 산업의 성장한계를 극복하고 혁신 기술 확보 및 경쟁을 촉진하는 성과를 가져왔으며, 금융 소비자에게 금융거래비용을 낮추고 접근의 편의성을 제공하였다는 긍정적 평가를 받았다[1,2]. 하지만 정착과정에서 인터넷전문은행의 자기자본비율이 크게 하락하고 순손실이 증가하며 지속성에 대한 의문이 제기되었으며, 2019년 1월 은산분리 규제정책이 완화되고 인터넷전문은행 추가 인가에 대한 논의가 시작되면서 인터넷전문은행의 실효성이 재조명되고 있다[3,4]. | |
기술 기반 금융서비스의 안정적인 성공에서 중요한 것은? | 지속적인 성장과 장기적 수익성이 보장되지 않고 있으며, 호기심으로 가입한 후 지속적으로 이용하지 않은 소비자가 상당하여 여전히 불안정한 상황을 내포하고 있다[7]. 인터넷전문은행, 온라인 은행, 온라인 주식거래 등과 같은 기술 기반 금융서비스의 안정적인 성공은 소비자의 최초 수용보다 지속적인 사용이 중요하다[8]. 소비자의 지속적인 사용이 이루어질 때 추가적인 성장과 안정적인 자리매김이 가능하기 때문이다. | |
인터넷전문은행에 대한 지각된 위험이 지속적 이용의도에 미치는 영향을 분석하고, 지각된 위험과 지속적 이용의도의 관계에서 수용적 요인의 조절효과를 검증하는 본 연구의 결과는? | 연구목적을 달성하기 위하여 인터넷전문은행 이용경험이 있는 20-50대 소비자 457명을 대상으로 중다회귀분석을 실시하였으며, 이를 근거로 수용요인의 상호작용효과를 분석하였다. 연구결과, 첫째, 인터넷전문은행이용 소비자의 지각된 위험, 수용요인과 지속적 이용의도 간에는 유의한 상관관계를 보였다. 둘째, 지각된 재무적, 기능적 위험은 인터넷전문은행의 지속적 이용의도에 유의한 영향을 미치는 것으로 나타났다. 셋째, 유용성은 보안적 위험과 지속적 이용의도의 관계에서 유의한 조절효과가 나타났으며, 편리성은 모든 지각된 위험과 지속적 이용의도의 관계에서 유의한 조절효과를 보였다. 인터넷전문은행의 안정적 정착을 확보하기 위해서는 소비자가 지각하는 재무적·기능적 위험을 완화하고 인터넷전문은행의 유용성과 편리성에 대한 확대가 이루어져야 한다. |
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