As mobile devices, represented by smart phones,are coming into a wide use and as 4G communication and short distance communication technologies such as NFC(Near field communicator) are developing, mobile payments are becoming simple and convenient; as a result, more and more consumers are using mobile payments and the market is growing rapidly. However, due to incidents involving hacking or personal information leaks, anxiety about the security threat and information leak on mobile payments is a significant potential barrier for consumers to accept and use mobile payments. Following above, this study presents the effect of consumer perception on security when accepting mobile payment services, through scientific research.
This study constructed the research model based on TAM(Technology Acceptance Model) by adding perceived usefulness and perceived ease of use as core variables with also perceived security, and social pressure and individual innovativeness are included as external factors.
To analyze the effects and causal relationship among the variables, SPSS 18.0, a statistics package program, and AMOS 18.0, a structure model program, are used for proof of collected data. As a result of analysis, 10 out of 15 hypotheses were proved to be meaningful, and we could verify that perceived security has meaningful impact on intention to use of accepting mobile payments. Also, we could verify that perceived security has a greater meaningful impact on consumers' intention to use of accepting mobile payments than perceived usefulness or perceived ease of use, and perceived security has meaningful impact on perceived usefulness and ease of use.
Thus, we can assure that perceived security is the greatest consideration for consumers accepting mobile services, and we can realize that in order to enhance mobile services consumers need to be free of anxiety on security for using mobile payment services.
This study result implies that although the convenience of mobile payments may be crucial to businesses related to mobile payment services, security measures for consumers to use safely must be established in order to invigorate mobile payment services.
스마트폰으로 대변되는 모바일 기기의 발전/보급과 4G 통신 기술 및 NFC(Near field communication)와 같은 근거리 통신기술의 발달로 인하여 모바일 결제 시장은 PC기반의 온라인 중심에서 모바일 기기를 이용한 오프라인까지 시장영역이 확장되고 있다. 모바일 결제가 간편하고 편리해짐에 따라 많은 사용자들이 모바일 결제를 사용하면서 모바일 결제 시장은 급격히 성장하고 있으나, 여전히 해킹, 개인정보 유출 등의 보안사고로 인하여, 사용자 입장에서 모바일 결제에 대한 불안감은 모바일 결제 서비스 수용에 있어서 매우 큰 장애요인으로 잠재해 있다. 이에 따라, 본 연구에서는 사용자 입장에서 모바일 결제 서비스가 상품 구매 시 제공하는 편리함과 보안에 대한 불안감 사이에 어떠한 인과관계가 있는지를 살펴보고, 최종적으로 사용자의 모바일 결제에 대한 보안의식이 모바일 결제 서비스 수용에 미치는 영향을 학술적으로 설명할 수 있는 모형을 연구하여 모바일 결제 서비스 시장 확대 및 신규 사용자 유입을 위한 시사점을 제공하고자 한다.
