고령자의 소득수준과 디지털금융서비스 이용의향 간의 관계: 디지털정보활용역량의 조절효과를 중심으로

The purpose of this study is to verify the moderating effect of digital information literacy on the relationship between income level and intention to use digital financial services among elderly people. To achieve this purpose, we used the 2022 Korean Senior Technology Acceptance Panel data constructed by the Digital New Aging Research Institute at Kyung Hee University. The study subjects were 509 people aged 60 and over living in all provinces of Korea. The research model was verified using Hayes(2013)'s PROCESS macro ver.4.1. The results of the study showed that income level and digital information literacy had a positive effect on the intention to use digital financial services, so that the higher the income level and digital information literacy, the higher the intention to use digital financial services. In addition, digital information literacy was found to moderate the relationship between income level and intention to use digital financial services, confirming that the influence of income level on the intention to use digital financial services varied depending on the level of digital information literacy. This study is significant in that it expanded academic discussions by proving the moderating effect of digital information literacy on the relationship between income level and intention to use digital financial services among elderly people, which was overlooked in previous studies. In addition, it has policy significance in that it provided empirical evidence for establishing a strategic approach to increase the intention to use digital financial services among elderly people. Based on the analysis results, practical directions and policy implications were presented to enhance the intention to use digital financial services among elderly people.