A Study on the Characteristics of Blockchain-Based Financial Platform and the Intention to Use (블록체인 기반 금융 플랫폼 특성과 사용 의도에 관한 연구)

Lee, Sangho (이상호); Kwangmoon Cho (조광문)

doi:10.20465/KIOTS.2021.7.3.081

A Study on the Characteristics of Blockchain-Based Financial Platform and the Intention to Use

Journal of Internet of Things and Convergence
Abbr : JKIOTS
2021, 7(3), pp.81-90
DOI : 10.20465/KIOTS.2021.7.3.081
Publisher : The Korea Internet of Things Society
Research Area : Engineering > Computer Science > Internet Information Processing
Received : August 12, 2021
Accepted : September 26, 2021
Published : September 30, 2021

Lee, Sangho ¹, Kwangmoon Cho ¹

¹목포대학교

Accredited

ABSTRACT

In this study, the effect of user characteristics and technical characteristics of a blockchain-based financial platform on the intention to use of financial consumers was analyzed. Also, in this influence relationship, we analyzed what kind of causal relationship between relative advantage and perceived risk on intention to use. From June 1 to July 30, 2021, a non-face-to-face self-filling online survey was conducted with a sample of subjects who had experience using a financial platform grafted with blockchain technology, and the study was conducted in 187 copies. For statistical processing, frequency analysis, exploratory factor analysis, reliability analysis, correlation analysis, multiple regression analysis and 3-step mediated regression analysis were performed using SPSS 21.0 program. The significance level of the statistical value was set to less than 95%. The research results are as follows. First, it was found that innovativeness and usefulness affect the intention to use in the user characteristics. Second, in the technical characteristics, compatibility and reliability were found to affect the intention to use. Third, it was found that relative advantage and perceived risk play a partial mediating role in the relationship between user characteristics and intention to use. Fourth, it was found that relative advantage and perceived risk play a partial mediating role in the relationship between technical characteristics and intention to use. Fifth, it was found that there were differences in the ubiquity of user characteristics, compatibility of technical characteristics and intention to use according to the experience of using the certificate. The results of this study can contribute to the development of a financial platform based on the Internet of Things.

KEYWORDS

User Characteristics, Technical Characteristics, Financial Platform, Intention to Use, Blockchain

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* References for papers published after 2023 are currently being built.

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Journal of Internet of Things and Convergence 2023 KCI Impact Factor : 0.89

A Study on the Characteristics of Blockchain-Based Financial Platform and the Intention to Use

ABSTRACT

KEYWORDS

Citation status

* References for papers published after 2023 are currently being built.

Journal of Internet of Things and Convergence 2023 KCI Impact Factor : 0.89

A Study on the Characteristics of Blockchain-Based Financial Platform and the Intention to Use

ABSTRACT

KEYWORDS

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* References for papers published after 2023 are currently being built.