Earticle

초록

영어

Online financial technology products are an important consumer finance innovation. While a large body of previous research has focused on initial adoption and consumer willingness to use these products, little research explores the continued use of these products beyond the initial adoption phase. In particular, special attention should be paid to how users‘ trust and perceptions of privacy and security affect continued use behavior. This paper integrates the expectation confirmation model of information system continuance (ECM-ISC), the information system success model (ISSM) and the security and trust literatures to investigate continued use of online financial technology. To test the research model, we collected 398 valid questionnaires from Ant Credit Pay users. The research results show that system and service quality positively impact users‘ expectation confirmation, while information quality has no significant impact. Expectation confirmation and perceived usefulness positively affect user satisfaction. Moreover, the user‘s perception of privacy and security plays a vital role in user satisfaction. Satisfaction and perceived trust jointly promote users‘ continuance behaviors. Findings of this study indicates the importance of the information system success factors and security factors due to their influence on the continued use of Fintech products. This conclusion has implications for enterprises in improving the product qualities and enhancing the degree of security to meet user needs.

목차

ABSTRACT
Ⅰ. Introductions
Ⅱ. Theoretical Perspective and Literature Review
2.1. ECM-ISC Model
2.2. IS Success Model
2.3. Privacy Concern and Privacy Security
Ⅲ. Research Hypothesis and Model
Ⅳ. Research Design
4.1. Questionnaire Design and Variable Measurements
4.2. Data Collection
Ⅴ. Data Analysis
5.1. Reliability and Validity Tests
5.2. Model Fitting and Hypotheses Testing
Ⅵ. Discussion
Ⅶ. Conclusions
7.1. Research Implications
7.2. Limitations and Future Research
Acknowledgement

저자

• Wanchao Liu [ Postgraduate Student, School of Management, Wuhan Textile University, China ]
• Huosong Xia [ Professor, School of Management, Wuhan Textile University, China ]
• Jian Mou [ Associate Professor, School of Business, Pusan National University, Korea ] Corresponding Author

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