중국의 스마트폰 결제 서비스 사용의도에 대한 연구 : 기술수용모델을 중심으로 (A Study on the Intention to Use of Chinese Smartphone Payment Services : Focused on the Technology Acceptance Model)

서지정보

· 발행기관 : 한국생산성학회
· 수록지 정보 : 생산성연구: 국제융합학술지 / 34권 / 2호 / 181 ~ 204페이지
· 저자명 : 유원동, 한웅희

초록

Chinese smart phone payment services are experiencing remarkable growth both in quantity and quality. At the same time, the smartphone payment services as a new payment service have many challenges to be solved, such as securing the stability of the smartphone payment and changing the habit of the existing payment method.
Based on previous studies on the use of smartphone or mobile payment services, this study conducted a discriminatory study in the following respects. First, perceived ease of use was adopted by this study as well as perceived usefulness as important determinants to describe the acceptance of smartphone payment services, which are the major variables of the initial TAMS. Second, this study adopted a attitude of use for smartphone payment services as a dependent variable. This study adopted a perceived risk to identify the effect of uncertainty avoidance associated with the use of smartphone payment services on the intention to use and the attitude of use of Chinese consumers for smartphone payment services.
The purpose of this study is to identify variables affecting the acceptance of smartphone payment services for Chinese users in the Chinese smartphone payment services market, which have begun to be activated relatively recently. Specifically, this study investigated the effect of perceived ease of use on Chinese consumers’ intention to use and attitude of use of smartphone payment services as well as the effect of perceived usefulness. Based on the literature reviews, this study merged TAM and perceived risk. This study verified the research models and hypothesis by using structural equations model.
First, According to the results of present study, perceived ease of use was proved to have a positive impact on the attitude of use and the perceived usefulness. Second, it has been found that perceived risks influence negatively on the intention to use and the attitude of use. Third, perceived usefulness has a positive influence on consumers’ intention of use, but not on attitude of use. Finally, the attitude of use was not found to have impact on the intention of use.
As predicted by hypotheses 1 and 2, it has been shown that perceived ease of use for smartphone payment services has a positive impact on consumer’s perceived usefulness and the attitudes toward use. Contrary to expectations in hypotheses 3 and 4, perceived usefulness for smartphone payment services did not have a positive effect on attitudes of use, and the attitude of use for smartphone payment services did not have a positive effect on intentions to use. As predicted by hypothesis 5, it has been found that perceived usefulness for smartphone payment services has a positive effect on consumers’ intention to use. As predicted by hypotheses 6 and 7, perceived risks to smartphone payment services have a negative effect on attitudes of use and intentions to use.
Based of these results, theoretical implications and practical implications were discussed and suggested. Finally, the limitations of present research as well as future research were discussed.

영어초록

Chinese smart phone payment services are experiencing remarkable growth both in quantity and quality. At the same time, the smartphone payment services as a new payment service have many challenges to be solved, such as securing the stability of the smartphone payment and changing the habit of the existing payment method.
Based on previous studies on the use of smartphone or mobile payment services, this study conducted a discriminatory study in the following respects. First, perceived ease of use was adopted by this study as well as perceived usefulness as important determinants to describe the acceptance of smartphone payment services, which are the major variables of the initial TAMS. Second, this study adopted a attitude of use for smartphone payment services as a dependent variable. This study adopted a perceived risk to identify the effect of uncertainty avoidance associated with the use of smartphone payment services on the intention to use and the attitude of use of Chinese consumers for smartphone payment services.
The purpose of this study is to identify variables affecting the acceptance of smartphone payment services for Chinese users in the Chinese smartphone payment services market, which have begun to be activated relatively recently. Specifically, this study investigated the effect of perceived ease of use on Chinese consumers’ intention to use and attitude of use of smartphone payment services as well as the effect of perceived usefulness. Based on the literature reviews, this study merged TAM and perceived risk. This study verified the research models and hypothesis by using structural equations model.
First, According to the results of present study, perceived ease of use was proved to have a positive impact on the attitude of use and the perceived usefulness. Second, it has been found that perceived risks influence negatively on the intention to use and the attitude of use. Third, perceived usefulness has a positive influence on consumers’ intention of use, but not on attitude of use. Finally, the attitude of use was not found to have impact on the intention of use.
As predicted by hypotheses 1 and 2, it has been shown that perceived ease of use for smartphone payment services has a positive impact on consumer’s perceived usefulness and the attitudes toward use. Contrary to expectations in hypotheses 3 and 4, perceived usefulness for smartphone payment services did not have a positive effect on attitudes of use, and the attitude of use for smartphone payment services did not have a positive effect on intentions to use. As predicted by hypothesis 5, it has been found that perceived usefulness for smartphone payment services has a positive effect on consumers’ intention to use. As predicted by hypotheses 6 and 7, perceived risks to smartphone payment services have a negative effect on attitudes of use and intentions to use.
Based of these results, theoretical implications and practical implications were discussed and suggested. Finally, the limitations of present research as well as future research were discussed.

참고자료

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