IDEAS home Printed from https://ideas.repec.org/a/gam/jijfss/v13y2025i2p56-d1628492.html
   My bibliography  Save this article

A Study on Factors Influencing Continuous Usage Intention of Chatbot Services in South Korean Financial Institutions

Author

Listed:
  • Yeun-su Choi

    (Department of IT Policy and Management, Graduate School of Soongsil University, 369 Sangdo-ro, Dongjak-gu, Seoul 06978, Republic of Korea)

  • Seung-zoon Lee

    (Department of Business Administration, Graduate School of Soongsil University, 369 Sangdo-ro, Dongjak-gu, Seoul 06978, Republic of Korea)

  • Jeongil Choi

    (School of Business Administration, Soongsil University, 369 Sangdo-ro, Dongjak-gu, Seoul 06978, Republic of Korea)

Abstract

The South Korean AI market has grown significantly, yet while chatbot adoption is well-studied, sustained use remains underexplored. This study surveyed 250 financial institution chatbot users in South Korea in February 2024, using SPSS and R to investigate quality effects on intention of continuous usage. Results showed that social presence, response accuracy, assurance, and interactivity positively influenced expectation confirmation. In contrast, responsiveness, reliability, and usability had no significant effect, while security negatively impacted frequent users, reflecting trust concerns. These findings guide financial institutions in enhancing chatbot retention through interactivity and trust. Conducted in a pre-generative AI context, this study suggests future longitudinal research to address evolving AI technologies and user behaviors.

Suggested Citation

  • Yeun-su Choi & Seung-zoon Lee & Jeongil Choi, 2025. "A Study on Factors Influencing Continuous Usage Intention of Chatbot Services in South Korean Financial Institutions," IJFS, MDPI, vol. 13(2), pages 1-18, April.
    • Handle: RePEc:gam:jijfss:v:13:y:2025:i:2:p:56-:d:1628492
    as

    Download full text from publisher

    File URL: https://www.mdpi.com/2227-7072/13/2/56/pdf
    Download Restriction: no
    File URL: https://www.mdpi.com/2227-7072/13/2/56/
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Meyer-Waarden, Lars & Pavone, Giulia & Poocharoentou, Thanida & Prayatsup, Piyanut & Ratinaud, Maëlis & Tison, Agathe & Torné, Sara, 2020. "How Service Quality Influences Customer Acceptance and Usage of Chatbots?," SMR - Journal of Service Management Research, Nomos Verlagsgesellschaft mbH & Co. KG, vol. 4(1), pages 35-51.
    2. William H. DeLone & Ephraim R. McLean, 1992. "Information Systems Success: The Quest for the Dependent Variable," Information Systems Research, INFORMS, vol. 3(1), pages 60-95, March.
    3. Giulia Pavon & Lars Meyer-Waarden & Thanida Poocharoentou & Piyanut Prayatsup & Maelis Ratinaud & Sara Torne, 2020. "How Service Quality Influences Customer Acceptance and Usage of Chatbots?," Post-Print hal-03145866, HAL.
    4. Peter B. Seddon, 1997. "A Respecification and Extension of the DeLone and McLean Model of IS Success," Information Systems Research, INFORMS, vol. 8(3), pages 240-253, September.
    5. Oliver, Richard L, 1993. "Cognitive, Affective, and Attribute BAses of the Satisfaction Response," Journal of Consumer Research, Journal of Consumer Research Inc., vol. 20(3), pages 418-430, December.
    6. James E. Bailey & Sammy W. Pearson, 1983. "Development of a Tool for Measuring and Analyzing Computer User Satisfaction," Management Science, INFORMS, vol. 29(5), pages 530-545, May.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Shin, Bongsik & Lee, Sanghoon & Lee, Ho Geun, 2016. "Examining an extended duality perspective regarding success conditions of IT service," International Journal of Information Management, Elsevier, vol. 36(2), pages 226-239.
    2. Nurlia Dewi & Willy Abdillah & Muhartini Salim & Slamet Widodo, 2021. "The Role of Leadership in Implementation Public Information System of Local Government Institutions in Indonesia," International Review of Management and Marketing, Econjournals, vol. 11(6), pages 1-9.
    3. Nripendra P. Rana & Yogesh K. Dwivedi & Michael D. Williams & Vishanth Weerakkody, 2015. "Investigating success of an e-government initiative: Validation of an integrated IS success model," Information Systems Frontiers, Springer, vol. 17(1), pages 127-142, February.
    4. Stockdale, Rosemary & Standing, Craig, 2006. "An interpretive approach to evaluating information systems: A content, context, process framework," European Journal of Operational Research, Elsevier, vol. 173(3), pages 1090-1102, September.
    5. Jani Merikivi & Antti Salovaara & Matti Mäntymäki & Lilong Zhang, 2018. "On the way to understanding binge watching behavior: the over-estimated role of involvement," Electronic Markets, Springer;IIM University of St. Gallen, vol. 28(1), pages 111-122, February.
    6. Brown, Susan A. & Venkatesh, Viswanath & Kuruzovich, Jason & Massey, Anne P., 2008. "Expectation confirmation: An examination of three competing models," Organizational Behavior and Human Decision Processes, Elsevier, vol. 105(1), pages 52-66, January.
    7. Hadziroh Ibrahim & Nur Zahiyah Othman, 2014. "The Influence of Techno stress and Organizational-Is Related Support on User Satisfaction in Government Organizations: A Proposed Model and Literature Review," Information Management and Business Review, AMH International, vol. 6(2), pages 63-71.
    8. Sun, Jonghak & Teng, James T.C., 2017. "The construct of information systems use benefits: Theoretical explication of its underlying dimensions and the development of a measurement scale," International Journal of Information Management, Elsevier, vol. 37(5), pages 400-416.
    9. Rajiv Sabherwal & Anand Jeyaraj & Charles Chowa, 2006. "Information System Success: Individual and Organizational Determinants," Management Science, INFORMS, vol. 52(12), pages 1849-1864, December.
    10. Kwahk, Kee-Young & Ahn, Hyunchul & Ryu, Young U., 2018. "Understanding mandatory IS use behavior: How outcome expectations affect conative IS use," International Journal of Information Management, Elsevier, vol. 38(1), pages 64-76.
    11. Barbara H. Wixom & Peter A. Todd, 2005. "A Theoretical Integration of User Satisfaction and Technology Acceptance," Information Systems Research, INFORMS, vol. 16(1), pages 85-102, March.
    12. Nguyen-Phuoc, Duy Quy & Su, Diep Ngoc & Tran, Phuong Thi Kim & Le, Diem-Trinh Thi & Johnson, Lester W., 2020. "Factors influencing customer's loyalty towards ride-hailing taxi services – A case study of Vietnam," Transportation Research Part A: Policy and Practice, Elsevier, vol. 134(C), pages 96-112.
    13. Vicki McKinney & Kanghyun Yoon & Fatemeh “Mariam” Zahedi, 2002. "The Measurement of Web-Customer Satisfaction: An Expectation and Disconfirmation Approach," Information Systems Research, INFORMS, vol. 13(3), pages 296-315, September.
    14. Dani Safaa & Faridi Mohamed, 2020. "The factors of acceptance and use of HRIS," Technium Social Sciences Journal, Technium Science, vol. 9(1), pages 397-404, July.
    15. Lee, Sang-Yong Tom & Kim, Hee-Woong & Gupta, Sumeet, 2009. "Measuring open source software success," Omega, Elsevier, vol. 37(2), pages 426-438, April.
    16. Nils Urbach & Stefan Smolnik & Gerold Riempp, 2009. "The State of Research on Information Systems Success," Business & Information Systems Engineering: The International Journal of WIRTSCHAFTSINFORMATIK, Springer;Gesellschaft für Informatik e.V. (GI), vol. 1(4), pages 315-325, August.
    17. Mahmoud Hany M. Dalloul & Zuraeda binti Ibrahim & Sharina Tajul Urus, 2023. "Financial Crises Management in Light of Accounting Information Systems Success: Investigating Direct and Indirect Influences," Sustainability, MDPI, vol. 15(10), pages 1-31, May.
    18. Floropoulos, Jordan & Spathis, Charalambos & Halvatzis, Dimitrios & Tsipouridou, Maria, 2010. "Measuring the success of the Greek Taxation Information System," International Journal of Information Management, Elsevier, vol. 30(1), pages 47-56.
    19. Abdesamad Zouine & Pierre Fenies, 2014. "The Critical Success Factors Of The ERP System Project: A Meta-Analysis Methodology," Post-Print hal-01419785, HAL.
    20. Jong Uk Kim & Rajiv Kishore, 2019. "Do we Fully Understand Information Systems Failure? An Exploratory Study of the Cognitive Schema of IS Professionals," Information Systems Frontiers, Springer, vol. 21(6), pages 1385-1419, December.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:gam:jijfss:v:13:y:2025:i:2:p:56-:d:1628492. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: MDPI Indexing Manager (email available below). General contact details of provider: https://www.mdpi.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.