금융기관의 ESG 경영에 대한 소비자의 인식이 금융기관의 신뢰와 평판, 지속적 거래 의도에 미치는 영향

This study investigated the ESG management practices of major financial groups in Korea (KB, Woori, Shinhan, Hana, IBK) by analyzing their sustainable management reports. It also assessed the impact of these practices on consumer decision-making and behavior through a nationwide survey of individual consumers aged 10 and above, considering their primary banking institution. Findings revealed that domestic financial groups share common initiatives such as carbon neutrality, climate change adaptation, collaboration with international organizations, green finance, and support programs for vulnerable groups. However, differences were noted in their environmental priorities and approaches based on business strategies, supported projects, international collaborations, and partnerships. Environmental and governance factors positively influenced consumers' intention to sustain transactions, while the social factor had no significant impact. Institutional trust and reputation mediated the relationship between environmental and governance factors and consumers' transaction intentions. This research suggests that consumer perception and behavior may vary across different ESG management domains within financial institutions, highlighting the need for tailored strategies in environmental, social, and governance practices to effectively influence consumer behavior.