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A Study on Psychological Conflict Elements Affecting Intention to Use Biometric-Based Non Face-to-Face Authentication System in Financial Transactions


  • Department of Knowledge Service & Consulting, Hansung University, Korea, Republic of
  • Department of Industrial and Management Engineering, Hansung University, Korea, Republic of


Objectives: This research tries to discern psychological conflict elements related with biometric-based non face-to-face authentication system in financial transactions, and examine how these elements affect the intention to use the biometric system. Methods/Statistical Analysis: Research data were collected from the survey to users. To test goodness of fit of the research model and hypotheses, structural equation modeling was used. Findings: The analysis found out that perceived risk characteristics like privacy concern and routine seeking personality have significant effects on usage conflict, and, then, usage conflict has negative effect on the intention to use the biometric system. Improvements/Applications: This research implicates that financial institutions should be aware of antecedent variables affecting usage conflict and try to make efforts to reduce such negative perception on the biometric system.


Biometrics, Information Privacy Risk, Negative Mass Media, Privacy Concern, Routine Seeking Personality, Usage Conflict.

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