earticle

영어

This research examines how ChatGPT characteristics influence user acceptance in finance, exploring the interplay with the Technology Acceptance Model (TAM) (Davis 1989). It emphasizes accuracy, innovation, recommendation, perceived usefulness, and ease of use, analyzing their impact on financial communication and decision-making. Findings from the structural equation model show accuracy significantly affects perceived usefulness, while innovation and recommendation impact ease of use. The study also assesses how digital proficiency moderates the relationship between perceived usefulness, ease of use, and acceptance intentions. The structural equation model employed in the study demonstrates overall suitability, with accuracy significantly affecting perceived usefulness and innovation and recommendation significantly affecting perceived ease of use. Notably, perceived usefulness and ease of use emerge as key factors influencing acceptance intentions, particularly among less digitally skilled financiers. This paper adopts the questionnaire survey method and the questionnaire survey was conducted from September to November 2023 in Korea. 182 copies of the questionnaires were used as final analysis data. SPSS 26.0 and Amos 28.0 software were used to analyze the data. In summary, this paper provides valuable insights into the interplay of ChatGPT characteristics and acceptance intention within the financial sector. By combining these insights with an understanding of the financial landscape, the study contributes to a comprehensive knowledge base on the factors influencing AI adoption in finance, facilitating informed decision-making in this evolving technological landscape.