고령 금융소비자의 기술준비도(Technology Readiness Index: TRI)에 따른 디지털금융서비스 수용에 관한 연구

This study investigated the psychological factors influencing the adoption of digital financial services among older adult financial consumers, based on the Technology Readiness Index(TRI) theory in a rapidly evolving financial environment. Structural Equation Modeling(SEM) was performed using the 2024 Korean Older Adults Technology Adoption Panel Survey data(N=435) with SPSS 23 and AMOS 28. The findings indicated that among the sub‑factors of technology readiness, optimism and innovativeness have a significant positive relationship with adoption attitude, whereas discomfort and insecurity have a negative relationship with adoption attitude. Notably, optimism had the stronger positive influence than innovativeness, and insecurity had a more substantial negative impact than discomfort. Furthermore, adoption attitude had the strongest direct effect on adoption intention, and the sub-factors of technology readiness had significant indirect effects on adoption intention mediated by adoption attitude. This study empirically demonstrated that the psychological factors proposed by the Technology Readiness theory significantly influence in the context of older adult financial consumers’ adoption of digital financial services. The findings offer policy and practical implications, suggesting that in order to promote older adult financial consumers’ adoption of digital financial services, psychological approaches and support systems aimed at enhancing positive technology affinity and alleviating anxiety are necessary. Furthermore, this study is expected to serve as a practical foundation for developing strategies to enhance the digital financial inclusion of older adult financial consumers.