모바일 간편결제시스템 사용의 감성적, 인지적, 행동적 반응 과정 연구

• Published in: 한국정보통신학회논문지 Vol. 26; no. 8; pp. 1158 - 1164
• Main Authors: 최유정(Yoo-Jung Choi), 황보현우(Hyunwoo Hwangbo)
• Format: Journal Article
• Language: Korean
• Published: 한국정보통신학회 2022
• Subjects: 전자/정보통신공학; 행동적 반응; 인지적 반응; Cognitive Response; Mobile payment; Emotional Response; 감성적 반응; 모바일 결제; Behavioral Response
• ISSN: 2234-4772; 2288-4165
• DOI: 10.6109/jkiice.2022.26.8.1158

In this study, the emotional reaction process and the cognitive reaction process were divided into the process of building trust in order to form a continuous use intention in the process of using the mobile simple payment system. We examined the process by which various external factors generate continuous use intentions, that is, behavioral responses through the process of each reaction. External factors were divided into social factors, systemic factors, and social factors. Among them, system factors were social norms and images, and systemic factors were simplicity and accessibility. And the social factors consisted of security and compatibility. And the emotional response was set as pleasure and emotional trust, the cognitive response was cognitive trust, and the final dependent variable was set as continuous use intention. A survey was conducted for model analysis, and the analysis results were derived using PLS. 본 연구는 모바일 간편결제 시스템을 사용하는 과정에서 지속적인 사용 의도를 형성하기 위해 신뢰가 구축되는 과정을 감성적 반응 과정과 인지적 반응 과정을 구분하고, 여러 외부 요인들이 각 반응 과정을 통해 지속적 사용 의도 즉, 행동적 반응을 발생시키는 과정을 살펴보았다. 외부 요인은 사회적(사회적 규범, 이미지), 시스템적(간편성, 접근성), 사회적(보안성, 호환성) 특성으로 구분하고, 감성적 반응은 즐거움과 정서적 신뢰, 인지적 반응은 인지적 신뢰, 그리고 종속 변수는 지속 사용의도로 설정하고, 모형 분석을 위해 설문 조사를 실시하고, 분석 결과를 도출하였다.