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스마트기기 이용스타일에 따른 스마트뱅킹 앱(APP)에 대한 만족도 및 지속이용의향
고우빈 ( Go U-bin ),김현준 ( Kim Hyunjun ),유지형 ( Ryu Gee-hyung ),이소진 ( Lee Sojeen ),김민정 ( Kim Minjeung ) 한국금융소비자학회 2019 금융소비자연구 Vol.9 No.2
This study examined the evaluation factors of smart device use style and smart banking application of college students and identified the factors that affect the satisfaction and intention to use the smart banking application by smart device use style. As a result of major research, first, most of university students were using smart banking while using smart phones. They thought that convenience and stability of security transactions were important factors, and they had inconvenient experience with login method and system check. In addition, the ratio of using smart banking was higher when female students do not live with their parents compared to male students. Second, as the evaluation factors for smart banking app, convenience, service usefulness and reliability, authentication convenience, and information up-to-date information were extracted. In addition, the overall satisfaction with the smart banking app was 3.95 out of 5 points, and the intention to use the service was very high at 4.15. Third, among the evaluation factors of smart banking app, user convenience and service reliability had an effect on both satisfaction and intention of continuous use, and the influence was the highest. Fourth, college students were classified into leisure time utilization type, passive application type, active use type, and device intensive type according to the practicality, self-projection, functionality, playfulness, and appearance in using smart devices. Most of them were college students, and the second was device intensive type. Fifth, as a result of examining the effects of smart banking app evaluation factors on overall satisfaction and intention to use by smart device usage styles, the results showed that user convenience had the most influence on the use styles other than the device concentration type. The usage intention was influenced by the usage styles other than the active usage type, but the service reliability had a higher impact than the user convenience in the passive application and the device-intensive type.
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