Informatics Publishing Limited

Choong-Keun Han ¹, Jung-Wan Hong ², Yen-Yoo You ¹

Affiliations
1 Department of Knowledge Service & Consulting, Hansung University, KR
2 Department of Industrial and Management Engineering, Hansung University, KR

Abstract

Objectives: This research tries to discern psychological conflict elements related with biometric-based non face-to-face authentication system in financial transactions, and examine how these elements affect the intention to use the biometric system. Methods/Statistical Analysis: Research data were collected from the survey to users. To test goodness of fit of the research model and hypotheses, structural equation modeling was used. Findings: The analysis found out that perceived risk characteristics like privacy concern and routine seeking personality have significant effects on usage conflict, and, then, usage conflict has negative effect on the intention to use the biometric system. Improvements/Applications: This research implicates that financial institutions should be aware of antecedent variables affecting usage conflict and try to make efforts to reduce such negative perception on the biometric system.

Keywords

Biometrics, Information Privacy Risk, Negative Mass Media, Privacy Concern, Routine Seeking Personality, Usage Conflict.

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Choong-Keun Han ¹, Seok-Kee Lee ², Yen-Yoo You ¹

Affiliations
1 Department of Knowledge Service and Consulting, Hansung University, KR
2 Division of Computer Engineering, Hansung University, KR

Abstract

Objectives: This study intends to examine factors which have effects of the biometric-based non-face-to-face authentication system on end users’ willingness to use the system, and how such factors affect their willingness to use the biometric system. Methods/Statistical Analysis: This study offers a biometric system user model which adds user innovativeness, self-efficacy, and perceived playfulness, focusing on the unified theory of acceptance and use of technology (UTAUT) which proved to be very effective in explaining the willingness to use information technology of users. To test goodness of fit and hypotheses, hierarchical regression analysis was performed. Findings: The analysis proved that effort expectancy, social influence, user innovativeness, self-efficacy, and perceived playfulness have meaningful effects on the intention to use the system. And, the experience of using general biometric media was found to have moderating effects on the relationship between intention to use and social influence. Improvements/Applications: This study suggests that more efforts should be made to increase usefulness and convenience of the system and to strengthen the basis of facilitating conditions.

Keywords

Biometrics, Perceived Playfulness, Self-Efficacy, UTAUT, User Innovativeness.

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