IDEAS home Printed from https://ideas.repec.org/p/hal/journl/hal-03584620.html
   My bibliography  Save this paper

Fintech et seniors Sud-Coréens : Une étude des facteurs d'acceptation

Author

Listed:
  • Sa-Rang Um

    (Kyung Hee Université)

  • Hye-Ri Shin

    (Kyung Hee Université)

  • Young-Sun Kim

    (Kyung Hee Université)

  • Gurvan Branellec

    (BBS - Brest business school)

  • Ji-Yong Lee

    (Audencia Business School)

Abstract

Cette recherche a pour but d'explorer les facteurs d'acceptation de la Fintech chez les seniors. Différents courants théoriques traitent les variables qui influencent l'acceptation des innovations technologiques. Le modèle choisi au niveau de cette étude est inspiré du modèle d'acceptation de la technologie (MAT ou, plus fréquemment, TAM pour Technology Acceptance Model). Notre modèle inclut les variables de l'utilité perçue, de la facilité d'utilisation, de l'accessibilité, du coût d'accès, de l'esprit d'innovation et de l'incertitude. La validation empirique du modèle a été réalisée à l'aide des méthodes d'équations structurelles sur un échantillon de 457 adultes coréens. Une analyse statistique a été réalisée par les logiciels SPSS 23.0 et AMOS 18. Nos résultats montrent que l'acceptation de la Fintech par les seniors est influencée par l'utilité perçue, la facilité d'utilisation, l'esprit d'innovation et l'incertitude. Toutefois, l'accessibilité et le coût d'accès n'ont pas une influence statistiquement significative sur l'intention d'utilisation de la Fintech. Cette étude a des implications pour les Fintech puisqu'elle peut leur permettre d'adapter leurs solutions à ce segment du marché voire de développer des produits adaptés à cette population (assurance vie en ligne, solutions de gestion de patrimoine et de succession…).

Suggested Citation

  • Sa-Rang Um & Hye-Ri Shin & Young-Sun Kim & Gurvan Branellec & Ji-Yong Lee, 2022. "Fintech et seniors Sud-Coréens : Une étude des facteurs d'acceptation," Post-Print hal-03584620, HAL.
  • Handle: RePEc:hal:journl:hal-03584620
    Note: View the original document on HAL open archive server: https://audencia.hal.science/hal-03584620
    as

    Download full text from publisher

    File URL: https://audencia.hal.science/hal-03584620/document
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Barbara H. Wixom & Peter A. Todd, 2005. "A Theoretical Integration of User Satisfaction and Technology Acceptance," Information Systems Research, INFORMS, vol. 16(1), pages 85-102, March.
    2. Denis Guiot & Ziad Malas & Eloïse Sengès, 2014. "Peut-on prédire la consommation des 50-65 ans à partir du critère du Bien Vieillir Désiré ?," Post-Print hal-01651174, HAL.
    3. Steenkamp, Jan-Benedict E M & Baumgartner, Hans, 1992. "The Role of Optimum Stimulation Level in Exploratory Consumer Behavior," Journal of Consumer Research, Journal of Consumer Research Inc., vol. 19(3), pages 434-448, December.
    4. repec:dau:papers:123456789/14133 is not listed on IDEAS
    5. Viswanath Venkatesh & Fred D. Davis, 2000. "A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies," Management Science, INFORMS, vol. 46(2), pages 186-204, February.
    6. Quentin Oget, 2021. "When Economic Promises Shape Innovation and Networks: A Structural Analysis of Technological Innovation in the Silver Economy," Post-Print hal-03321141, HAL.
    7. Quentin Oget, 2021. "When Economic Promises Shape Innovation and Networks: A Structural Analysis of Technological Innovation in the Silver Economy," Journal of Innovation Economics, De Boeck Université, vol. 0(2), pages 55-80.
    8. Posner, Richard A., 1995. "Aging and Old Age," University of Chicago Press Economics Books, University of Chicago Press, number 9780226675664, Febrero.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Ofir Turel & Catherine E. Connelly, 2012. "Team Spirit: The Influence of Psychological Collectivism on the Usage of E-Collaboration Tools," Group Decision and Negotiation, Springer, vol. 21(5), pages 703-725, September.
    2. Roxana Ologeanu-Taddei & David Morquin & Claudio Vitari, 2016. "Perceptions of an Electronic Medical Record (EMR): lessons from a French longitudinal survey," Grenoble Ecole de Management (Post-Print) halshs-01923438, HAL.
    3. Morgan-Thomas, Anna & Veloutsou, Cleopatra, 2013. "Beyond technology acceptance: Brand relationships and online brand experience," Journal of Business Research, Elsevier, vol. 66(1), pages 21-27.
    4. Johannes Putzke & Detlef Schoder & Kai Fischbach, 2010. "Adoption of Mass-Customized Newspapers: An Augmented Technology Acceptance Perspective," Journal of Media Economics, Taylor & Francis Journals, vol. 23(3), pages 143-164.
    5. Donglin Han & Huiying (Cynthia) Hou & Hao Wu & Joseph H. K. Lai, 2021. "Modelling Tourists’ Acceptance of Hotel Experience-Enhancement Smart Technologies," Sustainability, MDPI, vol. 13(8), pages 1-19, April.
    6. Kathrin Dudenhöffer, 2013. "Why electric vehicles failed," Metrika: International Journal for Theoretical and Applied Statistics, Springer, vol. 24(2), pages 95-124, July.
    7. Rolfsen Christian Nordahl & Lassen Ann Karina, 2020. "On-site inspections: the shift from forms to digital capture," Organization, Technology and Management in Construction, Sciendo, vol. 12(1), pages 2064-2071, January.
    8. Avornyo, Philip & Fang, Jiaming & Antwi, Collins Opoku & Aboagye, Michael Osei & Boadi, Evans Asante, 2019. "Are customers still with us? The influence of optimum stimulation level and IT-specific traits on mobile banking discontinuous usage intentions," Journal of Retailing and Consumer Services, Elsevier, vol. 47(C), pages 348-360.
    9. Anna Vinnikova & Liangdong Lu & Jiuchang Wei & Guangbao Fang & Jing Yan, 2020. "The Use of Smartphone Fitness Applications: The Role of Self-Efficacy and Self-Regulation," IJERPH, MDPI, vol. 17(20), pages 1-17, October.
    10. Roxana Ologeanu-Taddei & David Morquin & Claudio Vitari, 2016. "Perceptions of an Electronic Medical Record (EMR): lessons from a French longitudinal survey," Post-Print halshs-01923438, HAL.
    11. Arpan Kumar Kar, 2021. "What Affects Usage Satisfaction in Mobile Payments? Modelling User Generated Content to Develop the “Digital Service Usage Satisfaction Model”," Information Systems Frontiers, Springer, vol. 23(5), pages 1341-1361, September.
    12. Hsiao, Chun Hua & Yang, Chyan, 2011. "The intellectual development of the technology acceptance model: A co-citation analysis," International Journal of Information Management, Elsevier, vol. 31(2), pages 128-136.
    13. Sasmita Palo & Linu Charles, 2015. "Investigating Factors Affecting Knowledge Sharing Intention of Salespeople," Management and Labour Studies, XLRI Jamshedpur, School of Business Management & Human Resources, vol. 40(3-4), pages 302-324, August.
    14. Cheikh-Ammar, Mustapha, 2024. "Toward a theory of technology desirability: Blending task and feature fit with mutual values," Technological Forecasting and Social Change, Elsevier, vol. 198(C).
    15. Pillet, Jean-Charles & Carillo, Kevin Daniel André, 2016. "Email-free collaboration: An exploratory study on the formation of new work habits among knowledge workers," International Journal of Information Management, Elsevier, vol. 36(1), pages 113-125.
    16. Paul Juinn Bing Tan, 2019. "An Empirical Study of How the Learning Attitudes of College Students toward English E-Tutoring Websites Affect Site Sustainability," Sustainability, MDPI, vol. 11(6), pages 1-19, March.
    17. Nan Zhang & Xunhua Guo & Guoqing Chen, 2011. "Why adoption and use behavior of IT/IS cannot last?—two studies in China," Information Systems Frontiers, Springer, vol. 13(3), pages 381-395, July.
    18. Tanuj Singh & Alka Sharma & Chandra B. Singh, 2016. "Social Construction of Technology: A Flexible Strategy for DL Success," Global Journal of Flexible Systems Management, Springer;Global Institute of Flexible Systems Management, vol. 17(3), pages 265-273, September.
    19. Kwahk, Kee-Young & Ahn, Hyunchul & Ryu, Young U., 2018. "Understanding mandatory IS use behavior: How outcome expectations affect conative IS use," International Journal of Information Management, Elsevier, vol. 38(1), pages 64-76.
    20. Gabor Aranyi & Paul Schaik, 2015. "Modeling user experience with news websites," Journal of the Association for Information Science & Technology, Association for Information Science & Technology, vol. 66(12), pages 2471-2493, December.

    More about this item

    Keywords

    Fintech; Technology Acceptance; Seniors; Acceptation de la technologie;
    All these keywords.

    NEP fields

    This paper has been announced in the following NEP Reports:

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:hal:journl:hal-03584620. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: CCSD (email available below). General contact details of provider: https://hal.archives-ouvertes.fr/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.