FinTech기반 간편 결제 서비스 이용자의 유용성과 위험인식 연구

This study explored the usefulness and perception level of risk from the viewpoint of users through the information technology acceptance model of the simple payment service based on FinTech. The results show that the users' value, expected profit, and perceived risk of the simple payment service based on FinTech have a mutual influence on usability, satisfaction, and utilization. In the ICT environment, how to avoid losses in the gain and loss areas obtained by using them rather than technical factors can be regarded as a main determinant of FinTech-based easy payment service utilization. FinTech-based simple settlement service has proved that it is necessary to understand usability by providing interactions with service system more easily in terms of convenience and technical approach. Therefore, the simple payment service based on FinTech should focus on providing faster, more efficient, easier and more efficient service. In addition, it was found that the users' expectation is expected to be compensated for when the loss due to the utility or error is occurred while using the application program. Therefore, using the simple payment service based on FinTech, it can be said that the characteristics of meeting various economic value added experience, expectations and expectations are important. Finally, it was confirmed that cost risk, service risk, and safety of processing result are considered as key variables in order to be provided based on reliability.