DOI QR코드

DOI QR Code

블록체인 기반 금융 플랫폼의 성별 수용의도 결정요인에 관한 탐색 연구

An Exploratory Study on the Factors Determining Acceptance of Blockchain-Based Financial Platform by Gender

  • 김시욱 (서울벤처대학원대학교 융합산업학과) ;
  • 박현숙 (서울벤처대학원대학교 융합산업학과)
  • Kim, Si-Wook (Department of Convergence Industry, Seoul Venture University) ;
  • Park, Hyeon-Suk (Department of Convergence Industry, Seoul Venture University)
  • 투고 : 2020.02.07
  • 심사 : 2020.03.20
  • 발행 : 2020.03.28

초록

정보통신기술의 융합에 따른 4차 혁명의 파고가 거세지고 있는 가운데 블록체인 기반 플랫폼의 활용범위가 크게 확장되고 있다. 이에 이 연구는 블록체인 기반 금융 플랫폼에 초점을 맞춰 플랫폼 이용자의 수용의도를 결정하는 요인을 탐색하고자 하였다. 특히, 이 연구는 블록체인 기반 플랫폼에 대한 이용자 수용의도에 관한 결정요인 탐색에서 금융 플랫폼을 대상으로 했다는 점 그리고 플랫폼 이용자 수용의도가 남녀 간 성별 차이가 있는지를 확인하는데 연구의 초점을 맞춰 살펴봤다는 점에서 의의가 있다. 이는 블록체인과 관련해 이용자의 수용의도를 탐색하는 것은 금융업계뿐 아니라 블록체인 기술 개발자에게 매우 중요한 사안이기 때문이다. 연구방법은 474명(남성 262명, 여성 212명)이 참여한 설문조사 결과를 토대로 구조방정식 모형을 적용하여 블록체인 기반 플랫폼의 이용자 수용의도 구조를 탐구하였다. 연구결과, 블록체인 기반 금융 플랫폼 이용자의 수용의도 결정요인으로서 혁신성, 편의성, 보안성, 선호성이 작동하는 것으로 나타났고, 이중 혁신성과 편의성 요인에서 남녀 성별 차이에 따른 수용의도 결정요인이 차이가 있음이 확인되었다.

In the fourth revolution resulting from ICT convergence, Blockchain-based platform is being applied to various fields. This trend is expected to become stronger in the future. This study aims to explore several factors pertaining to user acceptance of Blockchain-based financial platform. It is important for finance business managers and blockchain technical managers to verify the user's willingness to accept the blockchain. In this study, the factors determining the acceptance of blockchain-based platform we explore are innovation, convenience, security and preference. Based on the results of the survey, 465 users(male 262, female 212) completed the questionnaire, a structural equation analysis was used in order to analyze the blockchain's users acceptance framework. Through the results we were able to identify and validate the differences in innovation and convenience by gender as well as the factors determining the acceptance of blockchain-based financial platform.

키워드

참고문헌

  1. T. Menner. (2019). Digital Assets and the Future of Blockchain Technologies. Finteck.Blockchain Conference. FinD 2019.
  2. S. Nakamoto (2008). Bitcoin: A Peer-to-Peer Electronic Cash System. https://bitcoin.org/bitcoin.pdf
  3. J. K. Lee. (2016). Gender Difference in Risk Attitudes and Personality Traits - An Experimental Study, Institute for Humanities and Social Sciences, 17(1), 565-588. https://doi.org/10.15818/IHSS.2016.17.1.565
  4. J. E. V Johnson & P. L. Powell. (1994). Decision Making, Risk and Gender: Are Managers Different? British Journal of Management, 5, 123-138. DOI : 10.1111/j.1467-8551.1994.tb00073.x
  5. A. E. Sunden & B. J. Surette. (1998). Gender Differences in the Allocation of Assets in Retirement Savings Plans, American Economic Review, 88(2), 207-211.
  6. F. M. Vieider, T. Chmura, T, Fisher, T. Kusakawa, P. Martinsson, F. M. Thompson, & A. Sunday. (2015). Within-versus between- Country Differences in Risk Attitudes: Implications for Cultural Comparisons, Theory and Decision, 78(2), 209-218. https://doi.org/10.1007/s11238-014-9418-3
  7. E. U. Weber, A. R. Blais & N. E. Betz. (2002). A Domain-Specific Risk-Attitude Scale: Measuring Risk Perceptions and Risk Behaviors. Journal of Behavioral Decision Making, 15(4), 263-290. DOI : 10.1002/bdm.414
  8. S. W Han & S. I. Kim (2018). A User Experience Study In Blockchain Based Social Platform-Focused on a Steemit, Journal of the Korea Convergence Society 9(8), 135-141. DOI : 10.15207/JKCS.2018.9.8.135
  9. J. W. Ko, J. Y. Kim, H. W. Kim & K. S. Han. (2017), An Empirical Study on the Effects of Innovation Resistance on the Factors affecting the Intention to accept Blockchain in the Finance Sector, Journal of Digital Contents Society, 20(4), 783-795.
  10. J. P. Kim & Y. J. Song. (2018), The Effects of BlockChain Technology Benefits on Acceptance Intentions of BlockChain Insurance Services : Based on the UTAUT Mode, Journal of Information Technology Services, 17(4), 163-189. DOI : 10.9716/KITS.2018.17.4.163
  11. S. D. Kim & Y. J. Kim. (2019), An Empirical Study on Users' Intention to Use Insurtech Digital Insurance Platform Service, Korean Management Review, 48(4), 997-1043. DOI : 10.17287/kmr.2019.48.4.997
  12. S. Y. Kim & S. B. Ahn. (2018), A Study on Identifying Affecting Factors to Accept Blockchain System-Focused on Logistics Industry-, Korea Logistics Review, 28(1), 71-85. DOI : 10.17825/klr.2018.28.1.71
  13. K. J. Jang. (2017). The A Study on Innovative Financial Services of Business Models Using BlockChain Technology, The e-Business Studies, 18(6), 113-130. DOI : 10.20462/tebs.2017.12.18.6.113
  14. S. J. Kim. (2018). Innovation in financial transactions with block chains focusing on the financing sector, Journal of Payment and Settlement, 10(1), 129-155.
  15. F. D. Davis. (1989), Perceived usefulness, perceived ease of use, and user acceptance of information technology, MIS Quarterly, 13(3), 319-340. https://doi.org/10.2307/249008
  16. E. M. Rogers. (2003), Diffusion of Innovations, 5th ed, New York: Free Press.
  17. G. Zaltman & M. Wallendorf. (1983) Consumer behavior: Basic findings and management implications. New York, NY: John Wiley & Sons.
  18. S. Ram. (1987). A model of innovation resistance, Advances in Consumer Research, 14(1), 208-212.
  19. S. Ram & J. N. Sheth. (1989). Consumer resistance to innovations: The marketing problem and its solutions, Journal of Consumer Marketing, 6(2), 5-14. https://doi.org/10.1108/EUM0000000002542
  20. R. Martins, T. Oliveira, & M. A. Thomas. (2016). An Empirical Analysis to Assess the Determinants of SaaS Diffusion in Firms, Computers in Human Behavior, 62, 19-33. https://doi.org/10.1016/j.chb.2016.03.049
  21. J. S. Kim. (2017). A Study on Factors Affecting the Intention to Accept Blockchain Technology, Korea Society of IT Service, 16(2), 1-20.
  22. S. Y. Kim & S. B. Ahn. (2018). Study on Identifying Affecting Factors to Accept Blockchain System-Focused on Logistics Industry, Korea Logistics Review, 28(1), 71-85.
  23. S. W. Lee, J. S. Jung & Y. H. Yoon. (2019), A Study on the Acceptance Intention of Blockchain Technology Using UTAUT2 Model, Korean Corporation Management Review, 26(6), 1-28. https://doi.org/10.21052/kcmr.2019.26.6.01
  24. S. W Nam. (2018). A Study on the Determinants of Consumer Trust toward Internet-Only Banks. Journal of Convergence for Information Technology, 8(2), 157-162. https://doi.org/10.22156/CS4SMB.2018.8.2.157
  25. Y. H. You.. (2019). Acceptance Intention and using Behavior of Blockchain-Based Copyright Distribution Platform by Vietnamese Consumers, Doctorial Dissertation, The Gradute School Seoul Venture University
  26. Y. H. You & H. S. Park. (2019). A Study on User's Acceptance of Blockchain-based Copyright Distribution Platforms and Its Usage, The Journal of Industrial Distribution & Business, 10(3), 59-72. https://doi.org/10.13106/IJIDB.2019.VOL10.NO3.59.
  27. M. W. Browne & R. Cudeck. (1992). Alternative Ways of Assessing Model Fit, Sociological Methods & Research, 21(2), 230-258. DOI : 10.1177/0049124192021002005
  28. P. M. Bentler. (1990). Comparative Fit Indexes in Structural Models, Psychological Bulletin, 107(2), 238-246. DOI :10.1037/0033-2909.107.2.238
  29. L. T. Hu. & P. M. Bentler. (1999). Cutoff Criteria for Fit Indexes in Covariance Structure Analysis: Conventional Criteria versus New Alternatives, Structural Equation Modeling, 6(1), 1-55. DOI:10.1080/10705519909540118