인터넷 뱅킹 사용자의 수용 후 행동에 영향을 미치는 요인

Abstract

The primary purpose of this paper is to identify the influencing factors on the post acceptance behavior of user in internet banking. For this purpose, a research model and hypotheses are developed based on the relevant literature reviews. Data have been collected from 248 users who have used internet banking and the research hypotheses were tested by covariance structural model analysis. The results of this empirical study are summarized as follows. First, security, confirmation, and perceived ease of use have positive influence upon user`s perceived usefulness. Second, security, economy efficiency, and confirmation have positive influence upon user`s satisfaction. Third, loyalty incentives have positive influence upon continuance intention. Lastly, user`s perceived usefulness have positive effect on the satisfaction, and user`s perceived usefulness and satisfaction positively related to continuance intention in internet banking. The findings have significant implications for internet banking service providers.