모바일 간편결제에 대한 지속사용의도: 개인의 혁신성, 신뢰 및 네트워크 효과를 고려한 UTAUT모형 시각에서의 접근 = Consumers` Intentions for the Usage of Mobile Payments: Extending UTAUT with Innovativeness, Trust and Network Effect

국문 초록 (Abstract)

본 연구는 최근 급성장 하고 있는 모바일 간편결제에서 어떤 요인들이 이를 이용하는 사용자들의 지속사용의도에 영향을 미쳤는지 살펴보았다. 구체적으로 개인의 혁신성, 모바일 간편결제에 대한 지각된 신뢰, 네트워크 효과에 대한 기대가 사용자들의 지속사용의도에 미치는 영향을 분석하였다. 이를 위해, 본 연구에서는 Venkatesh et al. (2003)의 UTAUT모형(Unified Theory of Acceptance and Use of Technology)을 적용하여 새로운 기술을 수용하는 사용자의 지속사용의도를 설명하고자 한다. 207명의 대학생을 대상으로 설문을 실시했으며, smartPLS를 통해 분석한 결과, UTAUT모형으로부터 성과기대, 노력기대, 사회적영향이 모바일 간편결제 사용자의 지속사용의도에 긍정적인 영향을 미치는 것으로 나타났으며, 본 연구를 통해 추가된 지각된 신뢰, 네트워크 효과에 대한 기대가 모바일 간편결제 사용자의 지속사용의도에 긍정적인 영향을 미치는 것으로 나타났다. 하지만, 모바일 간편결제 사용자의 혁신성은 지속사용의도에 유의한 영향을 미치지 않는 것으로 나타났다.

다국어 초록 (Multilingual Abstract)

In this study, we investigate various factors affecting technology acceptance by smartphone users (i.e., perceived trust, perceived network effects, and users` innovativeness) in relation to mobile payment services, which have recently been introduced in Korea. For this purpose, we employ the unified theory of acceptance and use of technology (UTAUT; Venkatesh et al., 2003) to explain the process of technology adoption and user experience in the case of the new mobile payment services. A smartPLS-software analysis based on a survey of 207 undergraduate students indicates that five factors including performance expectations, effort expectations, social influence, perceived network effects, and users` innovativeness influence the intention of smartphone users to use mobile payment services continuously.

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