모바일 간편 결제 사용 여부에 미치는 영향 요인 연구

초록

The rapid adoption of smart devices and the emergence of various mobile-based services are having a significant impact on the payment market. In this study, we conducted an empirical analysis to identify the factors that influence the use of mobile easy payment by households and users. In the user group, convenience and affordability had a significant effect on ease of use, while security and affordability had a significant effect on usability. User mobility and trust had a significant impact on perceived usefulness and perceived ease of use. In the non-user group, convenience, security, and affordability had a significant impact on ease of use, with convenience having a significant impact on usability. When looking at users by generation, affordability and trust have a significant impact on perceived ease of use for Gen Xers'. For Gen M, convenience has a significant impact on ease of use and convenience, security, affordability, and trust have a significant impact on usability, while for Gen Z, convenience and affordability have a significant impact on usability. For generational non-users, trust has a significant impact on usability for Generation X, convenience and enjoyment have a significant impact on usability for Generation M, and social influence has a significant impact on usability. The results of this study can be used as a basis for establishing an integrated marketing communication strategy to develop a differentiated competitive advantage as an essential core competency, not just an internal dimension of a company.

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