핀테크 서비스와 프라이버시 염려에 관한 연구

This study analyses whether privacy concerns, which are pointed out as the biggest impediment to the revitalization of the fintech services, actually affect the degree, frequency, and behavior of use of various fintech services. Data from 2020-2021 of ‘KISDI media panel data’, which includes information on fintech service usage and privacy concerns, are used as analysis data. Treatment effect model, Heckman two-stage model, discrete and ordered probit model were used for empirical analysis. Empirical results are as follows. First, in the analysis of discrete choice model and treatment effect model, a 'privacy paradox', which refers to a phenomenon in which consumers with high privacy concerns are more actively using the service, was found in overall fintech services and mobile remittance services. Second, in the analysis performed by defining fintech service as an ordinal variable to explicitly consider the problem of sample selection bias, the privacy paradox significantly exists in the participation equation that determines whether to use fintech service, but fintech service use The privacy paradox was not found in the quantity equation that determines frequency. From these results, the privacy paradox is mainly observed in first-time users of the service rather than appearing throughout the fintech service, and it was suggested that more benefits should be provided to consumers to cross the threshold of fintech use in order to revitalize the fintech services.