Earticle

초록

영어

Rapid advances in mobile technology have accelerated the adoption of personal financial management (PFM) apps and sparked scholarly interest in their influence on consumers’ financial decision‑making. Although prior research has linked financial literacy to prudent financial management behaviors, psychological antecedents—especially motivation—have received comparatively little attention. Drawing on self‑determination theory, this study distinguishes between intrinsic and extrinsic motivation for financial management and examines how each form of motivation shapes PFM behaviors and, ultimately, financial well‑being. Additionally, we explore how specific finance app features—management and external control—moderate the motivation–behavior link. A cross‑sectional survey of 600 active PFM app users reveals that both intrinsic and extrinsic motivations are positively associated with PFM behavior, with app features strengthening the impact of intrinsic motivation toward financial management. This study contributes to the literature by highlighting motivation as a key predictor of PFM behavior and demonstrating the contingent role of specific app features in translating motivation into action. Practically, the findings guide financial service providers in tailoring feature sets to users’ motivational profiles, thereby fostering more effective financial management practices and promoting consumer financial well‑being.

목차

ABSTRACT
Ⅰ. Introduction
Ⅱ. Theoretical Background
2.1. SDT
2.2. PFM Behavior
Ⅲ. Research Model and Hypotheses
3.1. Motivation and PFM Behavior
3.2. PFM Behavior and Subjective Financial Well-Being
3.3. Moderating Effects of App Features
Ⅳ. Research Methodology
4.1. Data Collection
4.2. Instrument Development
4.3. Data Analysis
Ⅴ. Results
5.1. Sample
5.2. Measurement Model Analysis
5.3. Structural Model Analysis
Ⅵ. Discussion and implications
6.1. Discussion of Findings
6.2. Limitations and Future Research Directions
6.3. Implications for Research and Practice

키워드

저자

• Minjin Kim [ Ph.D. Student, Graduate School of Information, Yonsei University, Korea ]
• Beomsoo Kim [ Professor, Graduate School of Information, Yonsei University, Korea ]
• Jaeyoung Park [ Assistant Professor, Department of Digital Finance, Pukyong National University, Korea ] Corresponding Author

참고문헌

발행기관

간행물

표지보기 관심저널 등록

• 간행물명

  Asia Pacific Journal of Information Systems

• 간기

  계간

• pISSN

  2288-5404

• eISSN

  2288-6818

• 수록기간

  1990~2026

• 등재여부

  KCI 등재,SCOPUS

• 십진분류

  KDC 325 DDC 658