소비생활복지 인식에 영향을 미치는 객관적·주관적 디지털 역량 및 관련 요인의 탐색

In modern society, consumption is an important area for judging the quality of a life. This study identified the impact of objective digital knowledge and practice of digital transaction on subjective digital competency. Furthermore, the direct and indirect effects of subjective digital competency on consumption life well-being awareness for those with digital consumption experience has been examined. Digital knowledge and practice, which are considered as objective digital competency, have a positive impact on subjective digital competency. The digital practice has a significant impact on improving awareness of consumption life well-being through the mediating effect of subjective digital competency. It has been found that those in their 20s to 50s by age group had a direct negative impact on consumption life well-being awareness compared to those in their 60s and older. But, it was confirmed that consumption life well-being awareness was improved through the mediating effect of subjective digital competency. In addition, consumer education and consumer problem experience were found to have a positive effect on consumption life well-being awareness through the indirect effect of subjective digital competency. The results suggest the importance of consumer education to increase consumer confidence and digital competency. During this time of accelerating changes in the digital market environment after COVID-19 and the need to prepare policy measures to improve consumption life well-being.