Informatization Policy 2023 KCI Impact Factor : 4.08
-
pISSN : 1598-3498
- https://journal.kci.go.kr/nia
KJCKorea
Journal Central
The Role of Personal and Social Dimensions in the Determination of the Intention to use Smartphone-based Mobile Banking Services: An Empirical Investigation
- Informatization Policy
- Abbr : 정보화정책
- 2014, 21(3), pp.102-127
- Publisher : NIA
- Research Area : Social Science > Public Policy
최재용 1, Ilyoo Barry Hong 2
1신용보증기금
2중앙대학교
Accredited
ABSTRACT
Although mobile banking provides cost-saving opportunities as well as convenient bankingexperience for customers, today's banks still face challenges when deploying the technology becausea good number of customers are reluctant to use mobile banking for personal reasons. This paper is an empiricalinvestigation of the determinants of the intention to use smartphone-based mobile banking services. Thedeterminants are grouped into two categories including personal factors and social influence factors. Weconducted an empirical analysis using 751 survey responses collected from present users of mobile bankingservices. The results of the analysis reveal that all the personal factors have positive relationships with theintention to use mobile banking services. On the other hand, it was found that of the social influence factors,perceived herding behavior has significantly positive relationship with the intention to use smartphone-basedservices, whereas subjective norm is not significantly related to the intention. We provide practical as well asacademic implications of the research findings.
Statistics
-
339 Viewed
-
1 Downloaded
Tools
Issue List
Citation status
* References for papers published after 2023 are currently being built.
[journal]
권성연
/ 2007
/
College Students' goal orientation and self-efficacy
/ 학습자중심교과교육연구
/ 학습자중심교과교육학회
7(2)
: 49~71
[thesis]
김문오
/ 2009
/ 모바일 웹 브라우징 서비스 사용 의도에 관한 연구 : 자기효능감과 사회적 영향, 서비스 특성의 관점으로
/ 석사
/ 연세대학교 정보대학원
[thesis]
김민수
/ 2005
/ 모바일 뱅킹 서비스 활성화 방안에 관한 연구
/ 석사
/ 제주대학교 경영대학원
[thesis]
김성개
/ 2009
/ 사용자 환경과 스마트폰 특성 요인이 인지된 유용성과 사용용이성 및 수용의도에 미치는 영향에 관한 연구
/ 석사
/ 홍익대학교 광고홍보대학원
[thesis]
김소영
/ 2010
/ 모바일 서비스 특성 및 개인 특성이 스마트폰 모바일뱅킹 수용의도에 미치는 영향
/ 석사
/ 홍익대학교 영상대학원
[journal]
김유섭
/ 2011
/ 모바일뱅킹 성장과 농협의 시사점
/ CEO Focus
/ 농협경제연구소
27
: 1~4
[thesis]
김지훈
/ 2010
/ 스마트폰의 수용의도에 관한 연구 : 확장된 TAM모형을 중심으로
/ 석사
/ 건국대학교 대학원
[journal]
김현철
/ 2010
/
Adoption Intention of Mobile Banking Service: A Test of Alternative Models
/ 상품학연구
/ 한국상품학회
28(1)
: 75~86
[journal]
김호영
/ 2002
/
An Empirical Research on Important Factors of Mobile Internet Usage
/ Asia Pacific Journal of Information Systems
/ 한국경영정보학회
12(3)
: 89~113
[thesis]
박종현
/ 2009
/ 모바일 뱅킹 이용의도에 영향을 미치는 요인에 관한 통합적 관점의 연구
/ 박사
/ 세종대학교 대학원
[journal]
박철우
/ 2007
/
Factors Influencing the Intention to Adopt Mobile Banking
/ 인터넷전자상거래연구
/ 한국인터넷전자상거래학회
7(3)
: 97~129
[book]
배병렬
/ 2009
/ Amos 17. 0 구조방정식모델링-원리와 실제
/ 도서출판 청람
[book]
성태제
/ 2012
/ 알기쉬운 통계분석
/ 학지사
: 367~399
[book]
안중호
/ 2005
/ 모바일 뱅킹의 이해와 활용
/ 서울대학교 전자상거래지원센터
[journal]
오영선
/ 2013
/ 국내 모바일뱅킹 이용자의 금융행동 분석과 시사점
/ 하나금융정보
/ 하나금융연구소
15
: 2~4
[book]
우종필
/ 2012
/ 구조방정식모델 개념과 이해
/ 한나래
[journal]
유일
/ 2004
/
An Empirical Study on the Factors Influencing the Usage Intention of Internet Banking Systems
/ 산업경제연구
/ 한국산업경제학회
17(6)
: 2383~2404
[journal]
유철우
/ 2008
/
The Effect of Herding Behavior and Perceived Usefulness on Intention to Purchase e-Learning Content: Comparison Analysis by Purchase Experience
/ Asia Pacific Journal of Information Systems
/ 한국경영정보학회
18(4)
: 105~130
[journal]
윤성민
/ 2005
/
Time Scale and and Efficiency of Foreign Exchange Market: Herd Behavior and Information Transmission
/ 경제학연구
/ 한국경제학회
53(2)
: 145~168
[journal]
이건창
/ 2002
/
Empirical Study about Relationship between Factors Influencing Korean User's Intention to Use the Internet Banking Service
/ Asia Pacific Journal of Information Systems
/ 한국경영정보학회
12(3)
: 191~212
[journal]
이경영
/ 2002
/ 국내 은행의 모바일 뱅킹 서비스현황-우리은행의 사례를 중심으로
/ 정보통신정책
14(8)
: 1~15
[thesis]
이동현
/ 2005
/ 기술수용모형을 이용한 모바일 뱅킹 이용에 관한 연구
/ 석사
/ 고려대학교 대학원
[journal]
이동형
/ 2011
/
Resistance in School Consultation:A Social Cognitive Theory Perspective
/ 한국심리학회지:학교
/ 한국심리학회산하학교심리학회
8(2)
: 111~132
[journal]
이원준
/ 2004
/
User Acceptance of the Mobile Internet Services
/ Asia Pacific Journal of Information Systems
/ 한국경영정보학회
14(2)
: 61~86
[thesis]
이주미
/ 2005
/ 무선인터넷 서비스 수용에 영향을 미치는 요인에 관한 연구 : 정보기술 사용자 수용의 통합이론을 중심으로
/ 석사
/ 한국외국어대학교 경영정보대학원
[thesis]
정유진
/ 2005
/ 모바일뱅킹 사용의도의 영향요인에 관한 실증 연구
/ 석사
/ 신라대학교 대학원
[thesis]
정준구
/ 2010
/ 스마트폰 수용의도 결정요인에 관한 연구 : TAM의 접근
/ 박사
/ 극동대학교 대학원
[journal]
지호근
/ 2002
/ The User’s Acceptance of Mobile Internet: A Re-examination of the TAM
/ 경영정보학연구
12(4)
: 956~962
[journal]
차윤숙
/ 2007
/
The Impact of Ubiquitous Factors on Intention to Use Mobile Services
/ 정보시스템연구
/ 한국정보시스템학회
16(2)
: 69~91
[journal]
최혁라
/ 2006
/
An Empirical Study On Factors Influencing the Use Intention of Mobile Banking Service
/ 한국전자거래학회지
/ 한국전자거래학회
11(3)
: 13~34
[report]
한국은행
/ 2007
/ 2007년 1분기 지급결제 동향
/ 한국은행
[report]
한국은행
/ 2004
/ 전자금융총람
/ 한국은행 금융결제국
[report]
한국은행
/ 2013
/ 2012년중 국내 인터넷뱅킹 서비스 이용현황
/ 한국은행
[report]
한국은행
/ 2013
/ 2013년 1분기 국내 인터넷뱅킹 서비스이용현황
/ 한국은행
[thesis]
한순호
/ 2009
/ 인터넷전문은행으로의 단계적 이행 과정에서의 소비자 만족도 및 충성도에 관한 연구 : w은행 모바일뱅킹 이용자를 중심으로
/ 석사
/ 연세대학교 경제대학원
[thesis]
호란
/ 2010
/ 확장된 UTAUT모델을 이용한 모바일뱅킹 채택에 관한 실증연구 : 몽골 모바일뱅킹을 중심으로
/ 석사
/ 광운대학교 대학원
[journal]
Adam D.
/ 1992
/ Perceived Usefulness, Ease of Use, and Usage of Information Technology: A Replication
/ MIS Quarterly
16(2)
: 227~248
[report]
Agarwal, R.
/ 1998
/ Early and Late Adopters of IT Innovations: Extensions to Innovation Diffusion Theory
/ Florida State University
[journal]
Agarwal, R.
/ 1988
/ A Conceptual and Operation Definition of Personal of Innovativeness in the Domain of Information Technology
/ Information System Research
9(2)
: 204~301
[journal]
Agarwal, R.
/ 2000
/ Research Report: The Evolving Relationship between General and Specific Computer Self-Efficacy - An Empirical Assessment
/ Information System Research
11
: 418~430
[book]
Ajzen, I.
/ 1980
/ Understanding Attitudes and Social Behavior
/ Prentice-Hall, Inc
[journal]
Ajzen, I.
/ 1986
/ Prediction of Goal-Directed Behavior; Attitude, Intentions and Perceived Behavioral Control
/ Journal of Experimental Social Psychology
22
[journal]
Ajzen, I.
/ 1991
/ The Theory of Planned Behavior
/ Organizational Behavior and Human Decision Processes
50
: 179~211
[journal]
Aladwani, A. M.
/ 2001
/ Online Banking: a Field Study of Drivers, Development Challenges, and Expectations
/ International Journal of Information Management
21
: 213~225
[journal]
Bandura, A.
/ 1977
/ Self-Efficacy: Toward a Unifying Theory of Behavioral Change
/ Psychological Review
84(2)
: 191~215
[journal]
Bandura, A.
/ 1982
/ Self-Efficacy Mechanism in Human Agency
/ American Psychologist
37(2)
: 122~147
[book]
Bandura, A.
/ 1986
/ Social Foundations of Thoughts and Action: A Social Cognitive Theory
/ Prentice Hall
[book]
Bandura, A.
/ 1997
/ Self-Efficacy: The Exercise of Control
/ W.H. Freeman
[book]
Bauer, R.
/ 1960
/ Dynamic Marketing for a Changing World
/ American Marketing Association
[journal]
Bentler, P.M.
/ 1979
/ Models of Attitudes-Behavior Relation
/ Psychological Review
86
: 452~464
[journal]
Bettman, James R.
/ 1973
/ Perceived Risk and Its Components: A Model and Empirical Test
/ Journal of Marketing Research
10
[journal]
Bikhchandani, S.
/ 1992
/ A Theory of Fads, Fashion, Custom, and Cultural Change as Information Cascade
/ The Journal of Political Economy
100(5)
: 992~1026
[journal]
Bonabeau, E.
/ 2004
/ The Perils of the Information Age
/ Harvard Business Review
82(6)
: 45~54
[journal]
Chan, S.C.
/ 2004
/ Understanding Internet Banking Adoption and Use Behavior: A Hong Kong Perspective
/ Journal of Global Information Management
12(2)
: 21~43
[book]
Chan, S.C.
/ 2006
/ Advanced Topics in Global Information Management
/ Idea Group Inc
[journal]
Chau, P. Y. L.
/ 2001
/ Influence of Computer Attitude and Self-Efficacy on IT usage Behavior
/ Journal of End User Computing
13(1)
: 26~36
[book]
Colman, A.
/ 2003
/ Oxford Dictionary of Psychology
/ Oxford University Press
[journal]
Compeau, D. R
/ 1995
/ Computer Self-Efficacy: Development of a Measure and Initial Test
/ MIS Quarterly
19(2)
: 189~211
[journal]
Conner, M.
/ 1998
/ Extending the theory of planned behavior: A review and avenues for further research
/ Journal of Applied Social Psychology
28
: 1429~1464
[journal]
Conner, M.
/ 1999
/ Alcohol consumption and theory of planned behavior: An examination of the cognitive mediation of past behavior
/ Journal of Applied Social Psychology
29
: 1676~1704
[thesis]
Davis, F. D.
/ 1986
/ A Technology Acceptance Model for Empirically Testing New End- User Information System: Theory and Results
/ 박사
[journal]
Davis, F. D.
/ 1989
/ Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology
/ MIS Quarterly
13(3)
: 319~340
[journal]
Davis, F.D
/ 1989
/ User Acceptance of Computer Technology: A Comparison of Two Theoretical Models
/ Management Science
35(8)
: 982~1003
[book]
Dillon, A.
/ 1996
/ Annual Review of Information Science and Technology, 31
/ Information Today
: 3~32
[book]
Fishbein M.
/ 1975
/ Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research
/ Addition-Wesley
[journal]
Forsythe, Sandra M
/ 2003
/ Consumer Patronage and Risk Perception in Internet Shopping
/ Journal of Business Research
56
: 867~875
[journal]
Gefen, D.
/ 2003
/ Trust and TAM in Online shopping: An Integrated model
/ MIS Quarterly
27(1)
: 51~90
[journal]
Han, Jin K.
/ 1988
/ Market Oriented and Organizational Performance: Is Innovation a Missing Link?
/ The Journal of Marketing
62
: 30~45
[journal]
Hartwick, J.
/ 1994
/ Explaining the Role of user Participation in Information System Use
/ Management Science
40(4)
[journal]
Hsu, M. H.
/ 2004
/ Internet Self-Efficacy and Electronic Service Acceptance
/ Decision Support Systems
38(3)
: 130~161
[journal]
Igbaria, M. N.
/ 1995
/ Testing the Determinants of Microcomputer Usage via a Structural Equation Model
/ Journal of Management Information Systems
11(4)
: 87~114
[journal]
Jarvenpaa, S.L
/ 1997
/ Consumer Reactions to Electronic Shopping on the World Wide Web
/ International Journal of Electronic Commerce
1
: 139~152
[journal]
Joseph, B.
/ 1984
/ Concurrent validity of a measure of innovative cognitive style
/ Journal of the Academy of Marketing Science
12
: 159~175
[confproc]
Kauffman, R.J.
/ 2003
/ Payoff Externalities, Informational Cascades and Managerial Incentives: A Theoretical Framework for IT Adoption Herding
/ INORMS Conference on IS and Technology
[confproc]
Klepper, R.
/ 2002
/ Information Cascades and New Technology Acquistion in IT
/ Diffusion Interest Group in information Technology Workshop (DIGIT)
[journal]
구철모
/ 2013
/
A Study of Mobile and Internet Banking Service: Applying for IS Success Model
/ Asia Pacific Journal of Information Systems
/ 한국경영정보학회
23(1)
: 65~86
[journal]
Kuisma, T.
/ 2007
/ Mapping the Reasons for Resistance to Internet Banking: a Means-End Approach
/ International Journal of Information Management
27(2)
: 75~85
[journal]
Kuo, Y.F.
/ 2009
/ Towards an Understanding of the Behavioral Intention to use 3G Mobile Value-Added Services
/ Computers in Human Behavior
25
: 103~110
[journal]
Kwasi A. G.
/ 2004
/ An Extension of the Technology Acceptance Model in anERP Implementation Environment
/ Information & Management
41
: 731~745
[journal]
Lai, V. S.
/ 2005
/ Technology Acceptance Model for Internet Banking: An Invariance Analysis
/ Information & Management
42(2)
: 373~386
[journal]
Laukkanen, T.
/ 2004
/ Internet vs mobile banking: comparing customer value perceptions
/ Business Process Management Journal
13(6)
: 788~797
[journal]
Leavitt, C
/ 1975
/ “Development of A Scale for Innovativeness”in Advances in Consumer Research
/ An Arbor, Mi: Association for Consumer Research
2
: 545~554
[journal]
Lederer, A. L.
/ 2000
/ The Technology Acceptance Model and the World Wide Web
/ Decision Support Systems
29
: 269~282
[journal]
Lee, H. Y.
/ 2005
/ The Intention to Use Computerized Reservation System: The Moderation Effects of Organizational Support and Supplier Incentive
/ Journal of Business Research
58
: 1552~1561
[report]
Lee, K.C
/ 2007
/ An Empirical Analysis of the Influence of Self-Efficacyon Internet Banking Adoption Behaviour
[journal]
Lee, M. C.
/ 2009
/ Factors Influencing the doption of Internet Banking: An Integration of TAM and TPB with Perceived Risk and Perceived Benefit
/ Electronic Commerce Research and Applications
8
: 130~141
[journal]
Liao, S.
/ 1999
/ The Adoption of Virtual Banking:An Empirical Study
/ International Journal of Information Management
19(1)
: 63~74
[journal]
Liao, Z.
/ 2002
/ Internet-Based E-Banking and Comsumer Attitudes: An Empirical Study
/ Information & Management
39(4)
: 283~295
[journal]
Lu, Y.
/ 2009
/ Exploring Chinese Users’Acceptance of Instant Messaging Using the Theory of Planned Behavior, the Technology Acceptance Model, and the Flow Theory
/ Computers in Human Behavior
25
: 29~39
[journal]
Luarn, P.
/ 2005
/ Toward an Understanding of the Behavioral Intentionto Use Mobile Banking
/ Computers in Human Behavior
21(6)
: 873~891
[book]
Luo, X.
/ 2010
/ Examining Multi-Dimensional Trust and Multi-Faceted Risk in Intial Acceptance of Emerging Technologies: An Empirical Study of Mobile Banking Services
/ Decision Support Systems
[journal]
Martins, C.
/ 2014
/ Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application
/ International Journal of Information Management
34
: 1~13
[journal]
Mathieson, K.
/ 1991
/ Predicting User Intentions:Comparing the Technology Acceptance Model with the Theory of Planned Behavior
/ Information Systems Research
2(3)
: 173~191
[journal]
Miyazaki, A.D.
/ 2001
/ Consumer Perceptions of Privacy and Security Risks for Online Shopping
/ The Journal of Consumer Affairs
35(1)
: 27~41
[journal]
Mols, N. P.
/ 1999
/ The Internet and the Banks' Straegic Distribution Channel Decision
/ International Journal of Bank Maketing
17(6)
: 295~300
[journal]
Moore. G. C.
/ 1991
/ Development of and Instrument to Measure the Percetions of Adopting an Information Technology Innovation
/ Information Systems Research
2(3)
: 192~222
[journal]
Morris, M.G.
/ 2001
/ Assessing Users Subjective of Experience with World Wide WEB: an Exploratory Examination of Temporal Changes in Technology Acceptance
/ International Journal of Human-Computer Studies
54
: 877~901
[journal]
Ong, C. S
/ 2004
/ Factors Affecting Engineers' Acceptanceof Asynchronous E-Learning Systems in Hi-Tech Companies
/ Information & Management
41
: 795~804
[web]
Pajares, F.
/ Overview of Social Cognitive Theory and of Self-Efficacy
/ http//www.emory.edu/EDUCATION/mfp/edd.html
[book]
Rogers, E. M.
/ 1986
/ Communication Technology:The New Media and Society
/ The Free Press
[book]
Rogers, E. M.
/ 1995
/ Definition of Innovation (4th ed)
/ The Free Press
[journal]
Roselius, Ted
/ 1971
/ Consumer Rankings of Risk Reduction Methods
/ Journal of Marketing
35
: 56~61
[journal]
Rotchanakitumnuai, S.
/ 2003
/ Barriers to Internet banking adoption: a qualitative study among corporate customers in Thailand
/ International Journal of Bank Marketing
21(6/7)
: 312~323
[book]
Saga V.L.
/ 1994
/ Diffusion, Transfer and Implementation of Information Technology
/ Elservier Science
[journal]
Sathy, M.
/ 1999
/ Adoption of Internet Banking by Australian Consumers: An Empirical Investigation
/ International Journal of Banking Marketing
17(7)
: 324~334
[book]
Shapiro, C.
/ 1999
/ Information Rules
/ Havard Business School Press
[journal]
Swaminathan, V.
/ 1999
/ Browser or Buyers in Cyberspace? An Investigation of Factor Influencing Electronic Exchange
/ Journal of Computer-Mediated Communication
[journal]
Tan, M.
/ 2000
/ Factors Influencing the Adoption of the Internet Banking
/ Journal of the Association for Information Systems
1
: 1~42
[journal]
Taylor, S.
/ 1995
/ Assessing IT Usage: the Role of Prior Experiences
/ MIS Quarterly
19(4)
: 561~570
[journal]
Venkatesh, V.
/ 2000
/ A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies
/ Management Science
46
: 186~204
[journal]
Venkatesh, V.
/ 2003
/ User Acceptance of Information Technology: Toward a Unified View
/ MIS Quarterly
27(3)
: 425~478
[journal]
Vijasarathy, L. R.
/ 2004
/ Predicting Consumer Intentions to Use On-line Shopping: The Case for an Augmented Technoloy Acceptance Model
/ Information & Management
41
: 747~762
[journal]
Wang, Y. S.
/ 2003
/ Determinants of User Acceptance of Internet Banking: An Empirical Study
/ International Journal of Service Industry Management
14(5)
: 501~519