Mobile Banking 사용 의도 결정 요인

국문 초록 (Abstract)

??기술수용모델과 계획행동이론 관련 연구들을 기반으로, 본 연구에서는 기술수용모델의 구조를 유지하면서 한 가지의 신뢰 관련 요인(인지된 신뢰성)과 두 가지의 인지된 행위 통제 요인(인지된 유효성과 인지된 비용), 그리고 국내의 특성을 고려한 기술적 적합성 항목을 모델에 추가하여 모바일 뱅킹 분야에 적합하게 기술수용모델의 적응성을 확장하였다. 국내에서 182개의 데이터를 수집하여, 구조방정식 모델 기법을 이용, 확장된 기술수용모델을 검증하였다. 본 연구의 결과는 모바일 뱅킹 채택에 대한 사용자 의도를 예측하는데 있어서 본 연구에서 사용된 확장된 기술수용모델을 지지하고 있다. 또한 정보기술/시스템 수용과 모바일 뱅킹 시스템 운영의 실제적인 시사점들이 논의되어졌다.

다국어 초록 (Multilingual Abstract)

Based on literature relating to the theory of planned behavior(TPB) and the TAM, this study extends the applicability of the TAM in a mobile banking context, by adding one trust-based construct(perceived credibility) and two resource-based constructs(perceived efficacy and perceived cost) and technical suitability constructs to the model, while paying careful attention to the placing of these constructs in the TAM's existing nomological structure. Data collected from 182 users in Korea were tested against the extended TAM, using the structural equation modeling approach. The results strongly support the extended TAM in predicting users' intentions to adopt mobile banking. Several implications for IT/IS acceptance research and mobile banking management practices are discussed.

목차 (Table of Contents)

• 초록
• ABSTRACT
• 1. 서론
• 2. 연구의 이론적 배경
• 3. 연구모델과 가설
• 4. 연구방법
• 5. 실증분석
• 6. 결론
• 참고문헌
• 저자소개

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