은행 메타버스 환경에서 사용자들의 이용 의도에 영향을 미치는 요인: 원격 실재감의 역할

As the development of metaverse technology is progressing globally, the metaverse replaces real world. Service industry attempts to expand into the metaverse to keep pace with this change. This study posits telepresence and perceived risk as the key factors to influence user’s intention to use metaverse in banking. The main goal of this study is to identify the key factors that influence user’s intention to use metaverse in banking. The study highlights the critical role of telepresence and perceived risk in shaping user’s intention to use metaverse in banking. To validate the proposed theoretical framework, structural equation modeling (SEM) was applied to data collected from 300 users. The SEM was used to assess the hypotheses and examine the relationships between the variables. The analysis results show that telepresence has a significant positive effect on user’s intention to use the metaverse in banking, while perceived risk has a significant negative effect on it. Second, the findings indicate that perceived trialability, perceived relative benefit, and self-efficacy significantly influence telepresence. Additionally, perceived complexity and self-efficacy are found to be key predictors of perceived risk.