정보기술수용모델(TAM)을 적용한 신용평가시스템의 실증적 연구

Since International Monetary Fund (IMF), many Korean banks are using the Credit Risk Ratio System (CRRS) to systematically evaluate the borrower's credits. However, there are few research focusing on the key antecedents of successful CRRS utilization. Therefore, the purpose of this paper is to investigate the factors influencing individual intention to use and actual use of CRRS, and to analyze the relationships among those factors. Doing so, this study employs TAM (Technology Acceptance Model) proposed by Davis (1989) as a main framework. The results show that industry competition, diversity of customers‘ needs, organizational support, organizational experience, technical interchangeability, users’ participation, and social norms make direct and/or indirect impacts on behavioral intention and actual use through perceived ease of use and perceived usefulness. The empirical findings from this study may prove useful for both IS researchers and practitioners.