An Analysis of the Factors Affecting Technology Acceptance : Focusing on fintech in high-end technology

중·고령자의 기술수용도(Technology Acceptance) 영향요인 분석 : 최신기술 핀테크(Fintech)를 중심으로

  • Received : 2019.12.03
  • Accepted : 2020.02.20
  • Published : 2020.02.28


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 Survey of Older Adult Korean, which was collected from 457 middle-aged and older adult aged 55 and over in Seoul and Gyeonggi-do Province. Then, structural equation was used to verify the fintech technology acceptance factors of the middle-aged and older adult. The results showed that fintech technology acceptance factors of middle-aged and older adult were verified as usefulness, easiness, innovation, and uncertainty. Namely, the higher usefulness, easiness and innovation resulted in higher the intention to use fintech. Also, the lower the uncertainty resulted in higher the intention to use fintech. This study has implication for fintech, a representative technology of the Aging-Friendly Finance Industry, to identify the technology acceptance factors by expanding the Technology Acceptance Model(TAM) for middle-aged and older adult.


Supported by : National Research Foundation of Korea


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