The Effect of Intension to use Biometric-based Non- Face-to-Face Authentication System in Financial Transactions - Focusing on Extended UTAUT Model

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.