핀테크 지급결제서비스 지속사용 영향요인 연구 : 무리행동이론과 제도적 신뢰 관점에서

Fintech service combines IT technolo gy with existing financial services. It provides innovative financial services that were not provided by existing fin ancial institutions and is changing the paradigm of the traditional financial s ystem. In the fintech industry, compet ition is intensifying due to the continu ous enhancement of current service providers and the entry of new comp etitors. However, many users still feel uncomfortable in terms of convenien ce and universal acceptance. This study aims to investigate the fac tors affecting the continuous intention to use of fintech payment service. The research model was formulated based on user’s psychological aspects and technical service characteristics. The proposed model was empirically valid ated using component based SEM(P LS). The data analysis results showed that universality and security concerns were the most influential factors for user’s continuance intention to use. Imitation of others and perceived ben efits also show a positive effect on the continuance intention to use. Nev ertheless, the effects of complexity a nd institution-based trust were not st atistically significant. However, institu tion-based trust has strong negative effect on security concerns.