핀테크 기반 모바일 간편결제 모델의 기술적 특성과 고객의 이용의도에 관한 연구: 중국 소비자의 사례

Fintech application tends to expand to various industries and services as digital and intelligent technologies advance these days. In particular, mobile easy payment service has become a daily necessity for consumers in many countries as a common service model. This study investigated the relationship between fintech technology characteristics and consumers’ intention to use in the Chinese market, differentiating from previous studies that have mainly focused on service or service quality characteristics. Five independent factors such as convenience, security, accessibility, diversity, and personalization were extracted, referring to the technology acceptance model (TAM), information system success model, and e-SERVQUAL model. The research model also adopted three mediating factors such as trust, ease of use, and perceived usefulness. In total, 393 questionnaires were collected from Alipay and WeChat Pay users in the Chinese market and put into the analysis, using factor analysis, path analysis, and mediating effect analysis. For the test, SPSS version 19 and AMOS version 26 were used. As a result, this study proved that most independent factors significantly influence the intention to use, and the mediating factors also play meaningful roles in the relationships.