사물인터넷 환경에서 핀테크 이용자의 서비스, 플랫폼, 네트워크, 디바이스, 프라이버시 우려의 영향

Impact of Concerns on Service, Platform, Network, Device, and Privacy in the Use of Fintech in the Internet of Things Environment

Purpose- This study aims to analyze the relationship between perceived risk, privacy concerns, continual intention to use of Fintech services. Design/methodology/approach- This research developed a conceptual framework using attitude theory and analyzed the relationship between risk perception to Fintech services, Fintech concerns(service concern, platform concern, network concern, device concern, and privacy concern), and continual use in the context of Fintech services. In this study, Data analyzed using the PLS(partial least squares) structural equation model approach. Findings- As a result of empirical analysis, Fintech risk perception affected service concern, platform concern, network concern, device concern, and privacy concern. In addition, it was found that privacy risk did not affect continual use of Fintech services. In addition, among Fintech service concerns, platform concern, network concern, and privacy concern did not affect continual use of Fintech services. However, only device concern affected the intention to continual use of Fintech services. Research implications or Originality- The results will help to understand the psychology of Fintech service users and develop more stable Fintech services continual use strategies.