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A Study on the Intention to Use the Loan Service of the Mobile-Based Financial Platform

  • Journal of Internet of Things and Convergence
  • Abbr : JKIOTS
  • 2022, 8(3), pp.1-10
  • Publisher : The Korea Internet of Things Society
  • Research Area : Engineering > Computer Science > Internet Information Processing
  • Received : April 18, 2022
  • Accepted : June 4, 2022
  • Published : June 30, 2022

Lee, Sangho 1 Kwangmoon Cho 1

1목포대학교

Accredited

ABSTRACT

The purpose of this study was to investigate how the characteristics of mobile-based financial platforms have an impact on the intention to use loan service users. In addition, it was attempted to investigate whether usefulness and ease of use had a mediating effect in the relationship between each characteristic of the mobile financial platform on the intention to use the loan service. Data collection was conducted from March 1 to April 30, 2022, and 200 people participated in the study. Analysis methods were frequency analysis, exploratory factor analysis, reliability analysis, correlation analysis, hierarchical multiple regression analysis, and three-step mediation regression analysis. The research results are as follows. First, the influence of user factors, technical factors, and environmental factors of a financial platform on the intention to use a mobile loan service was found to be ubiquity in user factors, reliability in technical factors, and facilitation conditions in environmental factors. Second, in the relationship between convenience and intention to use user factors, usefulness had a completely mediating effect. Third, in the relationship between reliability of technical factors and intention to use, usefulness showed a partial mediating effect. Fourth, in the relationship between the social impact of environmental factors and facilitation conditions and intention to use, the usefulness showed a partial mediating effect. Fifth, ease of use showed a completely mediating effect in the relationship between convenience and intention of use of user factors. Sixth, in the relationship between reliability of technical factors and intention to use, ease of use showed a partial mediating effect. Seventh, in the relationship between the social impact of environmental factors and intention to use, ease of use showed a partial mediating effect, and in the relationship between facilitation conditions and intention to use, ease of use showed a fully mediating effect. Through this study, we tried to present basic data on the determinants of the user's acceptable intention to use the mobile loan service.

Citation status

* References for papers published after 2022 are currently being built.