A Study on the Intention to Use New Innovative Financial Service

With the passage of the Data 3 Act on January 9, 2020, the safe protection of personal information in the era of the data economy and the foundation for innovative finance utilizing data have been laid. In the financial field, the use-value of data is expanding by combining new technologies such as big data, blockchain, and artificial intelligence. In particular, with the introduction of My Data, personal information distributed among banks, card companies, and telecommunication companies can be integrated and checked in one place, and customized financial recommendation services with more favorable conditions for financial consumers are possible. In this study, as the general public can become financially vulnerable due to illness, accident, or job loss, a questionnaire was conducted on user characteristics, service characteristics, technical characteristics, and environmental characteristics for general financial consumers. A study on the intention to use new innovative financial services for general financial consumers is expected to be able to apply My Data to financially vulnerable groups in the future.