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NTIS 바로가기디지털융복합연구 = Journal of digital convergence, v.18 no.2, 2020년, pp.57 - 71
엄사랑 (경희대학교 노인학과) , 신혜리 (경희대학교 노인학과) , 김영선 (경희대학교 노인학과)
The purpose of this study is to extend Davis's Technology Acceptance Model(TAM) to verify the intention of use fintech factors in which usefulness, easiness, accessibility, affordability, innovation, and uncertainty for middle-aged and older adult. Data was derived from the 2017 Driving and Mobility...
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핵심어 | 질문 | 논문에서 추출한 답변 |
---|---|---|
핀테크 (fintech)란 무엇인가? | 모바일의 급속한 확산과 IT기술의 발전으로 인해 금융소비자의 생활 패턴이 변화하였고, 금융위기 등에 따른 대안 금융을 모색하고 정부차원의 육성 및 규제 해체 등으로 인해 최근 핀테크 산업이 급격하게 발전하게 되었다. 금융 (financial)과 기술(technology)을 결합한 핀테크 (fintech)는 금융업과 모바일 산업 모두에게 파장을 주고 있다[1]. 이에 글로벌 모바일 트래픽은 연평균 61%씩 급증하고 있고, 글로벌 모바일 결제시장 규모 또한 6년간 6. | |
중・고령자들에게 기술의 발전은 어떻게 다가왔는가? | 기술의 발전은 많은 인구집단 중에서도 특히 중・고령자들은 서비스 수혜자임에도 불구하고 정보 및 활용수준의 부족으로 인해 배울 수 있는 기회가 제한되어 핀테크 등과 같은 온라인 뱅킹 등을 활용하는데 장벽을 경험한다[9]. 특히 한국의 은행들은 누구보다도 빠르게 핀테크 기술에 힘쓰고 있으나, 고령자 70세 이상 중 모바일 뱅킹을 쓰는 인구는 단 6%일 정도로 전체 이용자가 매우 적어서 한국 고령자의 소외감은 다른 나라에 비해 커지고 있다[10]. | |
중・고령자들의 핀테크 기술 이용 현황은 어떠한가? | 기술의 발전은 많은 인구집단 중에서도 특히 중・고령자들은 서비스 수혜자임에도 불구하고 정보 및 활용수준의 부족으로 인해 배울 수 있는 기회가 제한되어 핀테크 등과 같은 온라인 뱅킹 등을 활용하는데 장벽을 경험한다[9]. 특히 한국의 은행들은 누구보다도 빠르게 핀테크 기술에 힘쓰고 있으나, 고령자 70세 이상 중 모바일 뱅킹을 쓰는 인구는 단 6%일 정도로 전체 이용자가 매우 적어서 한국 고령자의 소외감은 다른 나라에 비해 커지고 있다[10]. 중・고령자의 핀테크 활용수준이 높아진다면 재정적 노후준비 및 노후생활의 안정을 도모할 수 있을 뿐 아니라, 사회적 고립을 온라인을 통하여 해결할 수있기에 재정적·사회적·심리적 관점에서 중・고령자의 핀테크 활용은 주요하게 다뤄질 필요가 있다. |
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