Earticle

초록

영어

Mobile banking is now widely used in everyday financial life, but continued use is not explained well enough by service quality or satisfaction alone. This study examines continuance intention from the perspective of usage inertia which develops as users repeatedly rely on the same service over time. In this study, usage inertia is examined through three perceptions: financial stability after use, switching burden, and the recognition of a main banking service. The study also considers whether this tendency works through cognitive changes. More specifically, it examines whether users experience less cognitive burden when making financial decisions and whether they feel less need to keep checking and monitoring financial matters. Survey data collected from mobile banking users were analyzed with structural equation modeling. The results show that post-use financial stability significantly reduced both decision-making effort and cognitive monitoring burden. However, neither factor significantly mediated continuance intention. By contrast, an exploratory analysis revealed that main banking service perception had a strong direct effect on continuance intention (β = .838). Overall, the findings suggest that continued use of mobile banking is primarily driven by the perception of a service as the main banking service, rather than by reduced cognitive burden alone.

목차

Abstract
1. 서론
2. 이론적 배경
2.1 모바일 뱅킹과 금융 의사결정 맥락
2.2 사용 후 금융 안정감 인식
2.3 전환 부담 인식과 금융 선택의 고착
2.4 주거래 서비스 인식과 금융 행동의 기준점
2.5 모바일 뱅킹 이용 관성의 통합적 개념화
2.6 지각된 금융 의사결정 노력
2.7 지각된 금융 인지적 감시 부담 감소
3. 연구 방법
3.1 연구 대상
3.2 연구모형 및 연구가설
3.3 자료수집
4. 분석 결과
4.1 측정 모형 검증
4.2 구조모형 적합도
4.3 연구가설 검증
4.4 매개효과 검증
4.5 분석 결과 정리
5. 결론
5.1 연구 결과의 요약
5.2 연구의 의의 및 시사점
5.3 연구의 한계점 및 향후 연구 방향
[References]

키워드

저자

• 안상민 [ Sangmin Ahn | 한양대학교 경영대학 경영학부 ] 제1저자
• 부제만 [ Jeman Boo | 한양대학교 경영대학 경영학부 부교수 ] 제2저자
• 이태원 [ Taewon Lee | 동국대학교 WISE캠퍼스 경영학과 조교수 ] 교신저자

참고문헌

발행기관

간행물

표지보기 관심저널 등록

• 간행물명

  프로젝트경영연구 [Project Management Review]

• 간기

  반년간

• eISSN

  2799-3434

• 수록기간

  2021~2026

• 등재여부

  KCI 등재

• 십진분류

  KDC 325 DDC 658