금융환경변화가 은행원의 직무성과에 미치는 영향

Abstract

Environmental changes in the banking industry have made it difficult for banks to secure sustainability with existing management techniques. In order for banks to secure sustainability by adapting to the changed environment, it is necessary to investigate the job competency of bankers suitable for the changed environment. At the same time, it is necessary to analyze the path through which the job competency of the bankers has a positive effect on their job performance. To implement these research opportunities, this study analyze the effect of environmental changes in the banking industry on job competency of bankers. In addition, the study unveils whether bankers' job competency affects both service immersion and job performance of bankers. This study first reviews previous studies on environmental changes in the banking industry, job competency, service immersion and job performance of bankers. Reviewing prior studies, the study classifies environmental changes in banking industry into four categories such as information technology capability, internet banks, competition, and reduction in bank support. At the same time, the study divides job competence into individual, organizational, and managerial competency. Then, the study empirically verifies not only the effect of environmental changes in the banking industry on job competency, but also the impact of job competency on both service immersion and job performance. In this study, a survey was conducted on bankers in Korea to collect data for analysis. A total of 203 questionnaires were distributed online from November 9 to 27, 2022. Among the collected questionnaires, 190 copies were used for analysis, excluding 13 unfaithful questionnaires that were not suitable for statistical analysis. The study performed the structural equations model using Smart PLS 4.0. The main test results are as follows. First, information technology capability, intensified competition, and reduced support from banks have significantly positive effects on job competency classified into individual, organizational, and managerial competency. Second, individual, organizational, and managerial competency have significantly positive effects on service immersion of bankers. Third, service immersion of bankers have a significantly positive effect on job performance. Finally, service immersion of bankers plays a mediated role in the relationship between job competency and performance. The academic and practical implications of this study are as follows. First, unlike previous studies focusing on the service industry. this study empirically analyzes not only factors affecting work competency, but also the relationship among job competence, service immersion and job performance in the banking industry. Therefore, the test results of this study provide important empirical evidence useful for future research. Second, the test results of this study help banks prepare ways to improve their competitiveness.