블록체인 기술 혜택의 효과가 블록체인 보험 서비스의 수용의도에 미치는 영향 : UTAUT 모형을 기반으로

Abstract

In this study, we analyze the acceptance theories of insurance services using blockchain technology. Although insurance services using block-chain technology are still in discussion, specific development methods for service methods applying block-chain technology in insurance services are being studied. In this study, the following analysis was conducted to analyze the acceptance of insurance services using block chain technology, focusing on four factors of the UTAUT model. As a result of the analysis, the technology benefits of the blockchain affecting the performance expectations of UTAUT are security and reliability. In addition, the factors influencing UTAUT 's effort expectations were found to be availability and economics. Therefore, it was found that performance expectation and effort expectation for technology acceptance are influenced by different technology benefits. Among the four factors of UTAUT, the factors affecting the insurance service using the blockchain technology are performance expectation and effort expectation, and social influence and promotion condition have no effect on acceptance intention. Also, the moderating effect of user innovation on acceptance intention of insurance service applying blockchain was significant only for effort expectation among UTAUT factors.