신기술기반 은행 정보시스템의 지속사용의도 결정요인에 관한 연구: 사용자경험기간 조절효과 중심으로

Abstract

Purpose: Present study was designed to examine the casual relationships among service quality, self-efficacy, perceived usefulness, user satisfaction and Continuous Usage in new technology-based banking system. Also, we intended to testify the moderating effects of user experience period in causal model. We applied path analysis model in order to test the hypotheses and research model. Methods: Survey tool, that is, questionnaire has obtained validity through literature survey, exploratory survey and pretest and sample 279 was selected. For statistical treatment of pretest and main analysis, SPSS20.0 and AMOS 20.0 were employed and structural equation model was employed as analysis method. Results: Result of this study shows as follows. All factors have an effect on user satisfaction and Continuous Usage, and we found that user experience period played moderating effect in causal relationship. Therefore, new technology-based banking system is found that the determinants of continuous usage intention is different according to the user experience period. Conclusion: Present study shows that self-efficacy in via of user experience period, there is a need to emphasize that the main consideration factor new technology-based banking system. However, present study has some limitations to additionally research in the future.