The Journal of Korean Institute of Communications and Information Sciences (한국통신학회논문지)

The Korean Institute of Commucations and Information Sciences (한국통신학회)
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Influence of Personal Information Security Vulnerabilities and Perceived Usefulness on Bank Customers' Willingness to Stay

개인정보 보안취약성과 지각된 유용성이 지속적인 은행이용의도에 미치는 영향

  • Seo, Dong-Jin (Department of Information Security Management, Chungbuk National University) ;
  • Kim, Tae-Sung (Department of Management Information Systems, Chungbuk National University)
  • Received : 2015.05.28
  • Accepted : 2015.07.20
  • Published : 2015.08.31
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Abstract

Privacy of financial customers is becoming important due to frequent leakage of personal information. Financial customers, who experience the leakage of personal information, feel threatened by their privacy and this changes customer's awareness about financial institutions or behavioral intentions. By examining the influence relation of personal information security vulnerability of the bank information system with usefulness, trust and attractiveness perceived by bank customers, this study aims to analyze the effect of each variable on bank customers' willingness to stay.

금융기관에서 개인정보가 유출되는 사건이 빈번히 일어남에 따라 금융소비자들의 프라이버시 보호문제가 중요해지고 있다. 개인정보가 유출되는 사건을 경험한 금융소비자는 자신의 프라이버시에 대한 위협을 느끼게 되고, 이는 금융기관에 대한 인식이나 행동의도에 변화를 가져오게 된다. 본 연구에서는 대표적 금융기관인 은행을 이용하는 금융소비자를 대상으로 은행정보시스템의 개인정보 보안취약성과 은행에 대한 지각된 유용성, 신뢰성과 기업매력성 등의 영향관계를 살펴봄으로써, 실제 은행의 지속적 이용의도에 각 변수가 어떠한 영향을 주는지 분석하였다.

Keywords

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