$\require{mediawiki-texvc}$

연합인증

연합인증 가입 기관의 연구자들은 소속기관의 인증정보(ID와 암호)를 이용해 다른 대학, 연구기관, 서비스 공급자의 다양한 온라인 자원과 연구 데이터를 이용할 수 있습니다.

이는 여행자가 자국에서 발행 받은 여권으로 세계 각국을 자유롭게 여행할 수 있는 것과 같습니다.

연합인증으로 이용이 가능한 서비스는 NTIS, DataON, Edison, Kafe, Webinar 등이 있습니다.

한번의 인증절차만으로 연합인증 가입 서비스에 추가 로그인 없이 이용이 가능합니다.

다만, 연합인증을 위해서는 최초 1회만 인증 절차가 필요합니다. (회원이 아닐 경우 회원 가입이 필요합니다.)

연합인증 절차는 다음과 같습니다.

최초이용시에는
ScienceON에 로그인 → 연합인증 서비스 접속 → 로그인 (본인 확인 또는 회원가입) → 서비스 이용

그 이후에는
ScienceON 로그인 → 연합인증 서비스 접속 → 서비스 이용

연합인증을 활용하시면 KISTI가 제공하는 다양한 서비스를 편리하게 이용하실 수 있습니다.

인터넷 전문은행 사용자의 금융서비스 전환 의도에 미치는 영향에 관한 연구: 케이뱅크와 카카오뱅크를 중심으로
A study on the effect of Internet Primary bank users on their intention to switch to financial services: Focusing on K-Bank and Kakao Bank 원문보기

디지털융복합연구 = Journal of digital convergence, v.20 no.2, 2022년, pp.91 - 105  

박영근 (부산대학교 경영학과) ,  옥석재 (부산대학교 경영학과)

초록
AI-Helper 아이콘AI-Helper

인터넷 전문은행 관련 선행연구들은 법안, 규제 그리고 도입 기대효과 등의 연구들이 대부분이며, 금융 소비자의 금융 서비스 전환 의도에 관한 연구는 미비한 상태이다. 본 연구의 목적은 금융소비자들이 시중은행에서 인터넷 전문은행으로 서비스 전환 의도에 대해 영향을 미치는 요인을 알아보고자 PPM(Push-Pull-Mooring)이론을 적용하였다. 실제 서비스 이용자들을 대상으로 설문조사를 하였고, Smart PLS 3.0을 사용하여 1차 요인분석과 2차 요인분석을 하였다. 연구 결과 풀요인, 푸시요인 그리고 무어링요인은 전환 의도에 긍정적인 영향을 미쳤으며, 조절변수인 무어링요인은 푸시요인과 풀요인의 전환 의도에 조절효과가 나타나지 않았다. 서비스 전환 연구에 활용되던 PPM이론의 활용 범위를 핀테크 서비스로 확장 하였고, 인터넷 전문은행의 전략과 확산 등 여러 가지 실무적인 유용한 시사점을 제공 할 수 있으며, 소비자 태도를 연구하는 다양한 연구에서 활용할 수 있을 것이다.

Abstract AI-Helper 아이콘AI-Helper

Most of the preceding studies related to Internet Primary banks are studies on laws, regulations, and expected effects of introduction, and studies on financial consumers' intention to switch to financial services are insufficient. Apply to the PPM(Push-Pull-Mooring)theory to find out the factors th...

주제어

표/그림 (11)

참고문헌 (66)

  1. Jeung, E. G., & Park, H. S. (2017). An empirical study on the user acceptance of internet primary bank based on UTAUT2. The e-business studies, 18(3), 75-95. 

  2. Kim, S. J., & Kim, C. B. (2017). A study on the relationships among SNS information characteristics, the characteristics of information provider and the intention to visit the restaurants: Focused on millennials generation. Korea Association of Business Education, 32(4), 279-299. 

  3. Bansal, H., S., Taylor, S., F., & St. James, Y. (2005). "Migrating" to new service providers: Toward a unifying framework of consumers' switching behaviors. Journal of the Academy of Marketing Science, 33(1), 96-115. 

  4. Jones, M. A., Mothersbaugh, D. L., & Beatty, S. E. (2002). Why customers stay: measuring the underlying dimensions of services switching costs and managing their differential strategic outcomes. Journal of business research, 55(6), 441-450. 

  5. Reichheld, F. F., & Sasser, W. E. (1990). Zero defeofions: Quoliiy comes to services. Harvard business review, 68(5), 105-111. 

  6. Keaveney, S. M. (1995). Customer switching behavior in service industries: An exploratory study. Journal of marketing, 59(2), 71-82. 

  7. Fornell, C. (1992). A national customer satisfaction barometer: The Swedish experience. Journal of marketing, 56(1), 6-21. 

  8. Lattin, J. M., & McAlister, L. (1985). Using a variety-seeking model to identify substitute and complementary relationships among competing products. Journal of Marketing Research, 22(3), 330-339. 

  9. Njite, D., Kim, W. G., & Kim, L. H. (2008). Theorizing consumer switching behavior: A general systems theory approach. Journal of Quality Assurance in Hospitality & Tourism, 9(3), 185-218. 

  10. Kim, J. W. (2010). A Study on The Switching Intention to the Internet Primary Bank affected by Internet Banking Users Satisfaction. Doctoral dissertation. Soongsil University, Seoul. 

  11. Financial Supervisory Service. (2015). Plan to Support Convergence of Finance and Technology. Seoul : Financial Supervisory Service. 

  12. Kim, D., & Kim, S. (2017). Factors to influence switching intention to Internet-only bank from legacy bank: Focused on financial consumers' asset management. Information Society & Media, 18(1), 105-134. 

  13. Bae, J. K. (2018). A study on the determinant factors of innovation resistance and innovation acceptance on internet primary bank services: Combining the theories of innovation diffusion and innovation resistance. The e-Business Studies, 19(2), 91-104. 

  14. Park, C, J & Ryu, D, J. (2018). Internet-only Banks: An Introductory Overview. Korean Academic Society Of Business Administration, 47(3), 549-576. 

  15. Lee, J. M. (2018). The effects of consumers' perceived value and network externality on continuous use intention of internet primary bank. Journal of Consumer Studies, 29(4), 139-159. 

  16. Amin, W., Parwani, A. V., Schmandt, L., Mohanty, S. K., Farhat, G., Pople, A. K., ... & Becich, M. J. (2008). National Mesothelioma Virtual Bank: a standard based biospecimen and clinical data resource to enhance translational research. BMC cancer, 8(1), 1-10. 

  17. Stokes, M. (2012). Globalization and the politics of world music. In The cultural study of music (pp. 129-138). Routledge. 

  18. Diniz, E., Birochi, R., & Pozzebon, M. (2012). Triggers and barriers to financial inclusion: The use of ICT-based branchless banking in an Amazon county. Electronic Commerce Research and Applications, 11(5), 484-494. 

  19. Kwon, H. G., & Lee, M. B. (2018). A study of factors influencing on the intention to use Internet Primary Bank. Journal of the Korea Industrial Information Systems Research, 23(1), 97-108. 

  20. Lee, K., & Kim, S. I. (2018). A Study on the Factors Affecting the reliability of User's Confidence in Korean Internet professional Bank-Focused on Kakao Bank and K Bank. Journal of the Korea Convergence Society, 9(1), 277-282. 

  21. Kim, S. R. (2017). A Review of Legal and Institutional issues related to the Establishment of an Internet professional bank. Korean Law Association, 17(3), 1-36. 

  22. Moon, Y. H. (2017). Factors affecting intention to use Internet Primary Bank: An exploratory difference of demographic characteristics. The Journal of Business Education, 31(6), 95-108. 

  23. Kim, S. H., & Park, T. K. (2017). Acceptance factors of financial consumers on Internet Primary Banks. Journal of Industrial Economics and Business, 30(2), 589-622. 

  24. Kwak, N. Y., Yoo, H., & Lee, C. C. (2018). Study on factors affecting financial customer's switching intention to internet only bank: focus on Kakao bank. Journal of Digital Convergence, 16(2), 157-167. 

  25. Kim, S. J., & Kim, C. B. (2018). The Effects of the Mobile-banking Characteristics and Internet-only bank Benefits on the Switching Value and the Use Intention. The Journal of the Korea Contents Association, 18(8), 109-117. 

  26. Kim, H. J., & Rha, J. Y. (2018). Consumers' adoption and resistance of branchless bank: Non-users perspective. Journal of Consumer Studies, 29(4), 97-118. 

  27. Lee, H. G., & Han, M. S. (2019). An Empirical Study on the Consumer Acceptance of Internet Primary Bank: The Application of UTAUT Model. The Journal of Business Education, 33(1), 59-87. 

  28. Jung, J. H., & Shin, J. I. (2019). The Effect of Choice Attributes of Internet primary bank on Satisfaction and Behavioral Intention. Journal of The Korea Society of Computer and Information, 24(9), 143-150. 

  29. Jung, J., & Cho, S. O. (2020). Relationship Between Perceived Risk and Continuous Use Intention of Internet Primary Banks: Moderating Effects of Acceptance Factors. Journal of Digital Convergence, 18(8), 133-149. 

  30. Lee, S., & Lee, J. (2020). Why People Adopt the Virtual Bank?-An Empirical Study on Motivational Factors. Journal of Digital Convergence, 18(12), 205-216. 

  31. Lewis, G. J. (1982). Human migration: a geographical perspective. Routledge. 

  32. Longino, C. F. (1992). The forest and the trees: micro-level considerations in the study of geographic mobility in old age. Elderly migration and population redistribution, 23- 34. 

  33. Moon, B. (1995). Paradigms in migration research: Exploring "moorings" as a schema. Progress in human geography, 19(4), 504-524. 

  34. Chiu, H. C., Hsieh, Y. C., Roan, J., Tseng, K. J., & Hsieh, J. K. (2011). The challenge for multichannel services: Cross-channel free-riding behavior. Electronic Commerce Research and Applications, 10(2), 268-277. 

  35. Kim, E., & Park, M. C. (2015). Antecedents of Cross-Channel Free-Riding Intention: The Moderating Effect of Product Categories Using Push-Pull-Mooring Framework. Proceedings of the Korea Society of Management Information Systems, 2015. 

  36. Choi, H. S., & Yang, S. B. (2016). An empirical study on influencing factors of switching intention from online shopping to webrooming. Journal of Intelligence and Information Systems, 22(1), 19-41. 

  37. Zhang, K. Z., Lee, M. K., Cheung, C. M., & Chen, H. (2009). Understanding the role of gender in bloggers' switching behavior. Decision Support Systems, 47(4), 540-546. 

  38. Zengyan, C., Yinping, Y., & Lim, J. (2009, January). Cyber migration: An empirical investigation on factors that affect users' switch intentions in social networking sites. In 2009 42nd Hawaii International Conference on System Sciences (pp. 1-11). IEEE. 

  39. Hou, A. C., Chern, C. C., Chen, H. G., & Chen, Y. C. (2011). 'Migrating to a new virtual world': Exploring MMORPG switching through human migration theory. Computers in Human Behavior, 27(5), 1892-1903. 

  40. Hsieh, J. K., Hsieh, Y. C., Chiu, H. C., & Feng, Y. C. (2012). Post-adoption switching behavior for online service substitutes: A perspective of the push-pull-mooring framework. Computers in Human Behavior, 28(5), 1912-1920. 

  41. Jung, J., Han, H., & Oh, M. (2015). Understanding Customer Switching Behavior in the Airline Industry : A Perspective of the Push-Pull-Mooring Framework. Korean Journal of Hospitality & Tourism, 24(1), 261-280 

  42. Lim, B., & Yook, R. (2012). A comparative study on user satisfaction and service quality of mobile commerce service between Korea and China. The Journal of Internet Electronic Commerce Research, 12(4), 335-359. 

  43. M. J. Noh. (2011). An effects of perceived risk and value on the trust and use intention of smart phone banking: Mediating effect of the trust. Korean Journal of Business Administration, 24(5), 2599-2615. 

  44. J. Y. Yang, J. H. Ahn & C. W. Park. (2006). The effect of perceived risk on the intention to adopt mobile banking services. Journal of Technology Innovation, 14(3), 183-208. 

  45. Carpenter, G. S., & Lehmann, D. R. (1985). A model of marketing mix, brand switching, and competition. Journal of marketing research, 22(3), 318-329. 

  46. Gerrard, P., & Cunningham, J. B. (2004). Consumer switching behavior in the Asian banking market. Journal of Services Marketing. 

  47. Bitner, M. J. (1990). Evaluating service encounters: the effects of physical surroundings and employee responses. Journal of marketing, 54(2), 69-82. 

  48. Blinn, J. D., Duncan, S. R., & Goodwin, B. (1991). 1990 cost of risk survey: a yardstick for managers. Risk management, 38(2), 46. 

  49. Lee, E. S. (1966). A theory of migration. Demography, 3(1), 47-57. 

  50. Stimson, R. J., & Minnery, J. (1998). Why people move to the'sun-belt': A case study of long-distance migration to the Gold Coast, Australia. Urban Studies, 35(2), 193-214. 

  51. Anton, C., Camarero, C., & Carrero, M. (2007). Analysing firms' failures as determinants of consumer switching intentions: The effect of moderating factors. European Journal of Marketing. 

  52. Kim, J. K., & Lee, D. H. (2005). A research on information security risk-based antecedents influencing electronic commerce user's trust. Asia pacific journal of information systems, 15(2), 65-96. 

  53. Swaminathan, V., Lepkowska-White, E., and Rao, B.P.(1999), "Browsers or Buyers in Cyberspace? An Investigation of Factors Influencing Electronic Exchange," Journal of Computer-Mediated Communication, 5(2) 

  54. Kim, S. S., Lee, C. K., & Klenosky, D. B. (2003). The influence of push and pull factors at Korean national parks. Tourism management, 24(2), 169-180. 

  55. Kim, G., Shin, B., & Lee, H. G. (2006). A study of factors that affect user intentions toward email service switching. Information & Management, 43(7), 884-893. 

  56. Kim, K., Seo, H., Yu, H., & Choi, J. (2017). A Study on the Factors Affecting Switching Intention of Public Certificate Storage: Focused on Smart Certificate (USIM). Journal of Information Technology Services, 16(1), 99-118. 

  57. Choi, G. B. (2012). An Empirical Study on the Post Acceptance of Mobile Banking Service. The Journal of Internet Electronic Commerce Resarch, 12(3), 1-27. 

  58. Han, H., & Hyun, S. S. (2013). Image congruence and relationship quality in predicting switching intention: Conspicuousnes of product use as a moderator variable. Journal of Hospitality & Tourism Research, 37(3), 303-329. 

  59. Han, K. H. (2001). A study on the evolution of mobile business model. The 2X2. 

  60. Kim, N. H., Kim, B. S., Seo, J. H., & Kim, J. K. (2008). A Preferencee Analysis of IT Components for Mobile Banking Service. Journal of Information Technology Services, 7(1), 89-101. 

  61. Parasuraman, A., Zeithaml, V. A., & Berry, L. (1988). SERVQUAL: A multiple-item scale for measuring consumer perceptions of service quality. 1988, 64(1), 12-40. 

  62. Baek, T. H., & King, K. W. (2011). Exploring the consequences of brand credibility in services. Journal of Services Marketing. 

  63. Kim, S. H. (2013). Moderating effects of switching cost on the IT service switching intention. The Journal of the Korea Contents Association, 13(10), 452-460. 

  64. Hair Jr, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2021). A primer on partial least squares structural equation modeling (PLS-SEM). Sage publications. 

  65. Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of marketing research, 18(1), 39-50. 

  66. Cohen, J. (1988). Statistical power analysis for the behavioral sciences. Academic press. 

저자의 다른 논문 :

관련 콘텐츠

오픈액세스(OA) 유형

BRONZE

출판사/학술단체 등이 한시적으로 특별한 프로모션 또는 일정기간 경과 후 접근을 허용하여, 출판사/학술단체 등의 사이트에서 이용 가능한 논문

이 논문과 함께 이용한 콘텐츠

저작권 관리 안내
섹션별 컨텐츠 바로가기

AI-Helper ※ AI-Helper는 오픈소스 모델을 사용합니다.

AI-Helper 아이콘
AI-Helper
안녕하세요, AI-Helper입니다. 좌측 "선택된 텍스트"에서 텍스트를 선택하여 요약, 번역, 용어설명을 실행하세요.
※ AI-Helper는 부적절한 답변을 할 수 있습니다.

선택된 텍스트

맨위로