With the spread of smart devices connected to the Internet anytime and anywhere, FinTech-based mobile easy payment services are emerging in commerce and consumption activities. In order to realize a cashless society, each country adopts mobile payment method as its main policy objective. It is actively promoting regulations and alleviating regulations. This is a very important task. Since the mobile easy payment services are still in the infancy phase, it is being investigated that the acceptance rate among the layers is various. Through previous researches, it was confirmed that the most important factor affecting the intention of using mobile easy payment service was perceived usefulness, and the factors influencing perceived usefulness were classified as personal characteristics, service characteristics, environmental characteristics and service characteristics. The purpose of this study is to investigate whether people with experience using mobile easy payment service will continue to use the service in the future and what factors influence the intention to use the service continuously. The results of the study showed that the variables of personal characteristics and service characteristics influenced the intention to use continuously in the future through perceived usefulness. In addition, it has been found that the various gaps between the layers are important factors in the future intention of mobile payment service. According to the results of this study, the important national task in spreading mobile payment service is suggesting that how to resolve the smart divide and the income gap is an important policy task.
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Lee et al. (2018) studied this question.