Fintech Users' Information Privacy Concerns and User Resistance: Investigating the Interaction Effect with Regulatory Focus

Abstract

Recently, there is a growing interest in Fintech which is a bus iness based on using IT to provide financial services. At the early stage of diffusion of Fintech, one of the issues raised i s the concern for information security. This study examines actual users' information privacy concern and user resistance to Finte ch services. We also investigates the effects of social influen ce and mobile Internet literacy on information privacy concern and user resistance. In particular, this research verifies the interaction effect between regulatory focus and information privacy concern to influence user resistance. Based on the findings, the resul ts of this study provide strategic implications for firms which at tempt to reduce user resistance to Fintech services and prolife rate Fintech usage. Keywords: Fintech, Information Privacy Concern, User Resistance, Regulatory Focus I.서 론 * 인터넷의 발달로 인한 각 산업영역의 융복합화 현상은 관련 산업을 활성화시켜왔다. 특히 최근에는 보수성이 강한 금융 분야와 개방성이 특징인 IT서비스 Received(10. 01. 2015), Modified(11. 02. 2015), Accepted(11. 02. 2015)†주저자, arlee12@naver.com‡교신저자,