개인정보 침해위험이 이용의도에 미치는 영향에 대한 연구 - 국내은행의 스마트뱅킹 서비스 중심으로

Purpose: The purpose of this study is how personal information protection risks affect the intention to use domestic smart banking services. VAM(Value based Adoption Model) model is validated as a theoretical background, selecting ease of use, usefulness and perceived security as a benefit factor, and considers perceived cost, technical complexity, and risk of personal information leakage as a sacrifice factor. Methods: The method of this study used questionnaire survey to collect 365 data on suer's perception on smart banking services, and also performed a structural equation modeling method using by AMOS 23. Results: The result of this paper shows that all hypothesis are accepted statistically significant except 1 hypothesis. Conclusion: This research is concluded that perceived value is affected on statistically positive impact on ease of use, usefulness and perceived security, and negative impact on perceived cost and risk of personal information violation, not statistically technical complexity.