수용자의 모바일 간편결제에 대한 적극적 이용의도에 관한 연구 TAM2와 인지된 위험을 중심으로

초록

Prior research has focused on the internet-based payment(e-payment) service in examiningfactors affecting the intention to use a new payment service. This study tried to identify howvariables affect the intention to use a mobile easy payment(m-payment) service. Based on a totalof 16 hypotheses developed for this study, the intention to use of mobile payment service was predictedfrom social image and subjective norm as social influence, innovativeness and mobile-efficacy as individual factors, functional motive and relative advantage as functional factors and trustand security concern as risk factors. this study employed the extended Technology AcceptanceModel and analyzed questions given to people aged from 19 to 29(N=303) using hierarchical regressionanalyses. According to analysis, while perceived usefulness is positively affected by perceivedease of use and relative advantage, it is negatively affected by security concern. Mobile-efficacy andrelative advantage have an positive affect on perceived ease of use. Perceived risk is affected bytrust and security concern. However social image, innovativeness and functional motive did nothave any influence on perceived ease of use and perceived usefulness. Perceived usefulness, perceivedease of use, perceived risk and subjective norm have an influence on the intention to use. It seems that the respondents valued advantages of mobile easy payment service and subjectivenorm as social influence. The result of this study is not limited to theoretical implications, butextends to practical implications as well.

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