모바일 뱅킹 사용의도에 영향을 미치는 요인에 관한 연구 - 한국 내 거주 영어가능 베트남 고객을 대상으로

초록

While most Korean residents embrace mobile banking as a convenient style, the adoption rate of this service among international customers is still underused than expected. Therefore, the objective of this paper was to provide the model of customer behavioral intention towards mobile banking among international users, focused on Vietnamese, living in Korea. Technology Acceptance Model (TAM) with extended factors in a more comprehensive manner and Structural Equation Modeling (SEM) were used to test the research model and hypotheses. The results of this study indicated that Facilitating conditions, Perceived credibility, Perceived self-efficacy enhanced the Mobile banking adoption indirectly through Perceived usefulness and Perceived ease of use. Besides, Language support was the additional factor, which has not been put into previous studies. This study also discovered that Age, Period of stay in Korea and Korean proficiency, defined as three moderating factors, significantly influenced the adoption of mobile banking among this set of users.

키워드