An Empirical Study of the Impacts of Perceived Security and Knowledge on Continuous Intention to Use Mobile Fintech Payment Services

Lim, Se Hun; Kim, Dan J.; Hur, Yeon; Park, Kunsu

doi:10.1080/10447318.2018.1507132

Cited by 203 publications

(192 citation statements)

References 31 publications

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“…Chuang et al (2016) discovered, that such factors of brand and service trust, perceived usefulness, perceived ease of use, made influence on user's attitude and finally the usage intention, based on technology acceptance model (TAM) theory [24]. Moreover, Lim et al (2019) proved the relationship between variations of confirmation, perceived usefulness and satisfaction that influences the usage of fintech-knowledge and perceived security of the mobile fintech service causes an influence on user confirmation but perceived usefulness, perceived security does not cause an influence on user satisfaction and continual intention to use [26].…”

Section: Literature Reviewmentioning

confidence: 99%

“…Also, several papers have revealed that the fintech industry's ecosystem and business model with distinct characteristics from the existing financial industry [1,4,22]. From the customer's perspective, most analyses are focused on the user's intention to consume fintech products and services; this includes determining major factors of user intention, such as usefulness and ease of use [23][24][25][26]. In economic perspective, Porras-Gonzalez et al (2019) introduced the positive impacts and limitations of blockchain technology on the global economy [27].…”

Section: Introductionmentioning

confidence: 99%

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Feasibility of the Fintech Industry as an Innovation Platform for Sustainable Economic Growth in Korea

Shin

Choi

2019

Sustainability

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This paper examines the feasibility of fintech as a platform for sustainable economic growth and as a prompter of the fourth industrial revolution. To analyze the role of fintech in the national economy, we first broaden its definition and compare its economic performance using three methodologies—Demand-driven model, Supply-driven model and industry linkage effect in interindustry analysis. We find that the fintech industry has a stronger effect on production inducement. Regarding industry linkage effects, fintech ranked the top in all 31 industries for the forward linkage effect and 22 for the background linkage effect—much higher than the traditional financial industry. This implies that the fintech industry is effective as the intermediate good with national demand as well as the final good. Particularly, this industry plays the roles of intermediate and final goods across almost all industries. That is, fintech could better promote overall national economic performance as a platform industry. Because most businesses within the fintech industry depend on innovation through the integration of finance and information technology, we find that fintech can feasibly prompt the fourth industrial revolution. Nonetheless, this industry is characterized by excessive regulations in Korea, indicating the need for negative regulation for new, innovative businesses within the fintech industry that would critically emphasize innovativeness for inclusive, sustainable economic growth.

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Section: Literature Reviewmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

Feasibility of the Fintech Industry as an Innovation Platform for Sustainable Economic Growth in Korea

Shin

Choi

2019

Sustainability

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“…Innovative mobile Fintech payment services such as Apple Pay, Samsung Pay, Kakao Pay, etc., are driving the mobile payment sector from the consumers' perspective [8]. Since its eventual success is determined primarily by users' continued use, initial adoption of Fintech payment services is a crucial first step [9].…”

Section: Introductionmentioning

confidence: 99%

The Effect of Choice Attributes of Internet Specialized Banks on Integrated Loyalty: The Moderating Effect of Gender

Jung

Shin

2019

Sustainability

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There is growing interest in how Internet specialized banks that provide the Internet as a major customer channel can change the paradigm of the banking industry by securing a niche market in competition with existing banks that have a multi-channel strategy. The purpose of this study is to investigate how the choice attributes of Internet specialized banks affect attitudinal loyalty and intention of continuous use, and to identify the moderating effect of gender. A structural equation analysis was performed using 215 respondents. They have experience using Internet specialized banks in South Korea. The results of the empirical analysis are as follows. First, information, transaction, and safety of choice attributes in Internet specialized banks have a positive effect on attitudinal loyalty. Second, information, transaction, and safety of choice attributes in Internet specialized banks have a positive effect on intention of continuous use. Third, attitudinal loyalty has a positive effect on intention of continuous use. Fourth, the gender moderating effects between information, transaction, safety and attitudinal loyalty, and intention of continuous use are rejected at the significance level of 0.05. It is found that information, transaction, and safety, which are choice attributes of Internet specialized banks, are the main factors that improve attitudinal loyalty and intention of continuous use. Contrary to expectations, the gender moderating effect between the choice attributes, attitudinal loyalty, and intention of continuous use is not significant, but there is a difference in the degree of influence between men and women. Therefore, in order to improve the performances of attitudinal loyalty and intention of continuous use in Internet specialized banks, the choice attribute should be managed from users’ perspective. The management of successful choice attributes that customers want will be the foundation for Internet specialized banks’ sustainability.

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“…However, it may be noted that FinTech provides a number of services to its users shows in Figure 1 but it faces security and privacy challenges mainly because of IT applications that it uses for providing the required services [20]- [25]. Besides, maintaining confidentiality, integrity, authorization and ensuring availability are additional challenges that Fin-Tech needs to be considered for reliably completing its job.…”

Section: Introductionmentioning

confidence: 99%

Towards Secure FinTech: A Survey, Taxonomy, and Open Research Challenges

et al. 2020

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Financial Technology (FinTech) has attracted a wide range of attention and is rapidly proliferating. As a result of its consistent growth new terms have been introduced in this domain. The term 'FinTech' is one such terminology. This term is used for describing various operations that are being frequently employed in the financial technology sector. These operations are usually practiced in enterprises or organizations and provide requested services by using Information Technology based applications. The term does take into account various other sensitive issues, like, security, privacy, threats, cyber-attacks, etc. This is important to note that the development of FinTech is indebted to the mutual integration of different state of the art technologies, for example, technologies related to a mobile embedded system, mobile networks, mobile cloud computing, big data, data analytics techniques, and cloud computing etc. However, this technology is facing several security and privacy issues that are much needed to be addressed in order to improve the acceptability of this new technology among its users. In an effort to secure FinTech, this article provides a comprehensive survey of FinTech by reviewing the most recent as well as anticipated financial industry privacy and security issues. It provides a comprehensive analysis of current security issues, detection mechanisms and security solutions proposed for FinTech. Finally, it discusses future challenges to ensure the security and privacy of financial technology applications.

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An Empirical Study of the Impacts of Perceived Security and Knowledge on Continuous Intention to Use Mobile Fintech Payment Services

Cited by 203 publications

References 31 publications

Feasibility of the Fintech Industry as an Innovation Platform for Sustainable Economic Growth in Korea

Feasibility of the Fintech Industry as an Innovation Platform for Sustainable Economic Growth in Korea

The Effect of Choice Attributes of Internet Specialized Banks on Integrated Loyalty: The Moderating Effect of Gender

Towards Secure FinTech: A Survey, Taxonomy, and Open Research Challenges

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