핀테크 이용자의 통합기술수용요인과 사용자특성이 지속사용의도에 미치는 영향

The purpose of this paper is to examine the effects of Effort Expectancy, Performance Expectancy, Social Influence, and Facilitation Condition on Continuance Intention through Innovation Resistance and Trust, based on the Unified Theory of Acceptance and Use of Technology among FinTech users. The data for this study were collected through surveys distributed to employees of related companies in the Busan-Ulsan-Gyeongnam region, with 300 questionnaires distributed and 289 retrieved. After excluding 22 questionnaires due to insincere responses or missing data, a total of 267 valid questionnaires were used for statistical analysis. The analysis involved ensuring the normality of variables through descriptive statistics, verifying reliability with Cronbach's alpha values, confirming validity through exploratory factor analysis, and testing hypotheses with structural equation modeling. The impact of Effort Expectancy on Innovation Resistance was rejected, while the impact of Performance Expectancy on Innovation Resistance was accepted. The effects of Social Influence on Innovation Resistance and Facilitation Condition on Innovation Resistance were both rejected. The impact of Effort Expectancy on Trust and the impact of Performance Expectancy on Trust were accepted. The effects of Social Influence on Trust were rejected, but the impact of Facilitation Condition on Trust was accepted. The influence of Innovation Resistance on ContinuanceIntention was rejected, while the impact of Trust on Continuance Intention was accepted. By analyzing the causes and effects of Innovation Resistance to FinTech services, this study presents a model for predicting Innovation Resistance that can be applied to various FinTech services. This is crucial for minimizing resistance and enhancing acceptance during the development of new FinTech services, providing a foundation for effective recommendations and marketing strategies for contact-less services based on the results of this study.