Journal of Venture Innovation (벤처혁신연구)

Korean Academy of Venture Innovation (한국벤처혁신학회)
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Factors Influencing Digital Native's Acceptance and Use of 4th Industrial Revolution Technology : Focusing on FinTech and AR (Augmented Reality) Technology

Digital Native의 4차산업혁명 기술수용 영향 요인: FinTech 및 AR(증강현실) 기술을 중심으로

  • Received : 2021.05.12
  • Accepted : 2021.09.15
  • Published : 2021.09.30
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Abstract

In the midst of the progress of the 4th industrial revolution, the Corona19 Pandemic was forming giant double wave. Companies riding this wave can win, but companies that do not will fall into the wave and struggle. In connection with the 4th industrial revolution, various technologies are emerging and commercialized. At this point, consumers, especially digital natives, who have been with digital since birth, tried to find out what factors affect the intention to use these technologies and which factors have the most important influence. For this purpose, data were collected through a survey on factors affecting the intention to use FinTech technology and AR technology for 150 digital natives in their 20s. Based on this, statistical analysis was conducted and the following results were obtained. As a result of the overall analysis regardless of the type of technology, it was found that performance expectancy, effort expectancy, social influence, and habits have a positive (+) effect on digital natives' intention to use the 4th industrial technology. On the other hand, a significant influence relationship between the facilitating conditions, hedonic motivation and intention to use the 4th industrial technology was not tested. It was found that the influence was greatly influenced by social influence and habits. In the case of FinTech and AR, which were further subdivided into this study, different aspects were revealed as a result of separate analysis. In the case of FinTech technology that emphasizes utilitarian value, performance expectancy, effort expectancy, social influence, and habits had a positive (+) effect on intention to use. It was found that the influence was greatly influenced by habits and social influence. In the case of AR, which emphasizes the hedonic value, all the variables adopted in this study had a positive (+) effect on the intention to use the technology. It was found that hedonic motivation and social influence had a great influence. Combining the results of the analysis, social influence was found to be an important influence variable regardless of the type of 4th industrial technology. FinTech technologies such as mobile banking, where services are becoming more common, are habits, and in the case of AR, which has not yet been universalized and is provided mainly for entertainment, hedonic motivation was found to be an important factor. This study was able to present academic and practical implications based on the above confirmation of factors affecting digital natives' acceptance and use of the 4th industry technology.

4차산업혁명과 코로나19 팬데믹이라는 2중의 파도속에서 이 파도를 타는 기업은 승승장구 할 수 있지만, 그렇지 못한 기업은 파도 속에 빠져 허우적거릴 것이다. 4차산업혁명과 관련하여 다양한 기술들이 나오고 상용화되고 있다. 이러한 시점에서 소비자 특히 태어나면서부터 디지털과 함께 온 디지털 네이티브 들은 이러한 기술을 사용 함에 있어서 어떠한 요인들이 사용 의도에 영향을 미치며 그 요인 중에서 가장 중요하게 영향을 미치는 것이 무엇인지를 규명하고자 했다. 이를 위해 디지털 네이티브인 20대 150명을 대상으로 FinTech 기술과 AR기술의 사용의도에 영향을 미치는 요인에 대해 데이터를 설문조사를 통해 수집하였다.이를 토대로 통계분석을 실시한 결과 다음과 같은 결과를 얻었다. 기술의 종류에 상관없이 전체적으로 분석을 한 결과는 성과기대, 노력기대, 사회적영향, 습관이 디지털 네이티브의 4차산업기술 사용의도에 정(+)의 영향을 미치는 것으로 나타났다. 반면, 촉진조건과 쾌락적 동기는 유의한 영향관계가 검정되지 않았다. 영향력은 사회적영향과 습관이 매우 큰 영향을 미치는 것으로 나타났다. 이를 보다 세분화하여 본 연구에서 대상으로 삼은 FinTech와 AR의 경우 나누어 분석한 결과 다른 양상이 나타났다. 실용적인 가치를 중시하는 FinTech 기술의 경우 성과기대, 노력기대, 사회적영향, 습관이 사용의도에 정(+)의 영향을 미쳤다. 영향력은 습관과 사회적 영향이 큰 영향을 미치는 것으로 나타났다. 쾌락적 가치를 중시하는 AR의 경우 본 연구에서 채택한 모든 변인들이 기술 사용의도에 정(+)의 영향을 미쳤다. 쾌락적 동기와 사회적 영향이 큰 영향을 미치는 것으로 나타났다. 분석결과를 종합해보면 사회적 영향은 4차산업기술의 종류와 관계없이 중요한 영향 변수로 나타났다. 서비스가 보편화되고 있는 모바일 뱅킹과 같은 FinTech 기술은 습관이, 아직은 보편화 되어 있지 않고 엔터테인먼트 위주로 서비스 되고 있는 AR의 경우 쾌락적 동기가 중요한 영향 요인으로 나타났다. 본 연구는 디지털 네이티브들의 4차산업 기술 수용에 영향을 미치는 요인을 위와 같이 확인함으로써 이를 토대로 학술적 및 실무적 시사점을 제시할 수 있었다.

Keywords

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