A Study on the Factors Affecting the Intention to Payment Service Using Biometrics

Abstract

As personal customized service is accelerating and system networked is spreading, the methods of user authentication have developed. However, even though biometric technology is an innovative technology of user authentication, this field has a lack of systematic studies or researches considerably Therefore, this study conducted an empirical study on influential factors in intention to use of biometric authentication focusing on financial payment service. 18 hypotheses were verified, only four hypotheses were rejected. First of all, transaction convenience, perceived security, and perceived compatibility had a positive effect on performance expectancy and effort expectancy. Second, benefit convenience had a positive effect on effort expectancy but it did not have an effect on performance expectancy. Third, perceived mobility had a positive effect on performance expectancy but it did not have an effect on effort expectancy. Fourth, personal innovativeness did not have a positive effect on both performance expectancy and effort expectancy. Fifth, performance expectancy, effort expectancy, social influence, Lastly, the experience of biometric authentication usage and regulation effect by ages showed significant result. This study suggested the practical level implications to use biometric authentication payment in the future and discussed the limitation of the study and henceforth future research.