핀테크 지급결제 서비스 수용 요인 연구: 혁신확산이론과 성과기대 모형 관점에서

[Purpose] Fintech payment service, a convergence service of finance and information technology, has been introduced and is expected to lead digital innovations of conservative financial industry. Despite the increasing importance of fintech payment service in Korea, empirical studies explaining users’ acceptance factors of fintech payment service are very limited and related studies has failed to provide sufficient understanding on fintech user behaviors. [Methodology] In this study, we construct a research model by classifying user acceptance factors as individual, social, performance expectation factors based on innovation diffusion theory and performance －expectation model. The proposed model was empirically verified using PLS(Least Square) based structural equation model. [Findings] Data analysis results show the influence of performance expectation was the strongest on users’ acceptance intention of Fintech payment service adoption. Personal innovativeness and social influence were also statistically significant. The performance expectation was influenced by convenience and economic benefit, but both psychological and security risk were not significant. [Implications] Economic benefit has a significant impact on performance expectancy which is a crucial factor for user’s fintech payment service. Thus, the role of economic benefit in the service adoption should not be neglected, especially in the early adoption stage.