금융 마이데이터 서비스에 대한 소비자 인식이 이용의도에 미치는 영향: 소득 수준에 따른 집단별 차이 분석 = The Impact of Consumer Awareness on the Intention to Use Financial MyData Services: An Analysis of Group Differences by Income Level

다국어 초록 (Multilingual Abstract)

This study identified the level of consumer awareness of the recently introduced financial MyData service and analyzed variables that affect the intention to use this service based on income level. To this end, an online survey was conducted from October 27 to November 4, 2022, analyzing response data from 272 mobile banking users in their 20s to 50s who had not yet used the Financial MyData service.
The research findings are as follows: First, perceived usefulness and convenience positively influenced consumers' intention to use the Financial MyData service, while perceived risk had a negative impact. Second, perceived ease of use was not a significant determinant in the intention to use Financial MyData. Third, the path analysis indicated that neither consumers' perceived ease of use nor their self-efficacy significantly affected their intention to use the Financial MyData service. Fourth, the analysis revealed a disparity between low-income and high-income groups in how perceived usefulness, convenience, and perceived risk influence the intention to use Financial MyData services. The study confirmed that the risk of personal information exposure is a concern among consumers using Financial MyData. To increase the intention to use Financial MyData services, it is crucial to enhance information security awareness, especially among low-income consumers, and to highlight the usefulness and convenience of financial information collection and management. This study is significant for analyzing the impact of consumer awareness on the intention to use the Financial MyData service in its early operational stages and for identifying service enhancements from a consumer-centered perspective by examining differences across income groups.