문화기술의 융합 (The Journal of the Convergence on Culture Technology)

  • 제9권3호
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  • Pages.443-450
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  • 2023
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  • 2384-0358(pISSN)
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  • 2384-0366(eISSN)
국제문화기술진흥원 (The International Promotion Agency of Culture Technology)
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고령층 친화적 디지털 금융환경 조성 가이드라인연구

A study on Guidelines for creating a Senior-friendly Digital financial environment

  • 투고 : 2023.04.05
  • 심사 : 2023.05.10
  • 발행 : 2023.05.31
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초록

이 연구는 갈수록 늘어가는 고령층이 디지털 금융을 원활히 사용할 수 있도록 하는 가이드를 개발하기 위한 연구이다. 선행 연구를 통해 고령층 및 디지털 금융에 대한 정의 등을 알아보고 디지털 금융과 관련한 고령층 지원 제도 등을 검토하였다. 고령층 디지털 금융 지원 제도의 경우 해외와 국내 현황을 비교 검토하여 이의 시사점을 도출하였으며, 기술적 측면에서의 해외 관련 기관 및 민간 기업이 시행하고 있는 고령친화 디지털 가이드 사례를 제도를 제시하였다. 가이드 개발을 위하여 국내 고령자들의 디지털 금융 활용 사례를 실측을 통해 검토하여 사용상의 불편과 이를 개선하기 위한 필요 사항 등을 도출하여 디지털 금융의 제도적 가이드에 필요한 보완사항을 제시하였다. 연구 결과 선행연구 및 사례와 고령층 실측 결과를 바탕으로 ISO 표준안 중 고령층 지원 표준을 바탕으로 고령자 디지털 금융앱에 필요한 총 10개의 가이드라인을 제시하였다. 이번 연구는 늘어가는 고령층의 원활한 디지털 금융사용을 위한 가이드를 제공하였다는 측면에서 의미가 있으며, 이를 통한 제도 개선 및 금융시장에서의 적용이 필요할 것으로 보인다.

This study is a study to develop a guide for the increasing number of elderly people to use digital finance smoothly. Through previous studies, the definition of the elderly and digital finance was found out, and the elderly support system related to digital finance was reviewed. In the case of the digital financial support system for the elderly, the current status of overseas and domestic situations were compared to derive implications, and cases of senior-friendly digital guides implemented by overseas institutions and private companies in the technical aspect were presented. In order to develop the guide, cases of using digital finance by the elderly in Korea were reviewed through actual measurement, and inconveniences in use and needs for improvement were derived, and supplementary items necessary for the institutional guide for digital finance were presented. Research Results Based on previous studies and case studies and actual measurement results of the elderly, a total of 10 guidelines for digital financial apps for the elderly were presented based on the ISO standards for supporting the elderly. This study is meaningful in that it provided a guide for the smooth use of digital finance by the increasing number of seniors, and it seems necessary to improve the system and apply it to the financial market.

키워드

과제정보

본 연구는 2020년 금융위원회의 연구용역(고령층 친화적 디지털 금융환경 조성 가이드라인 마련, 공고 제2020-131호)을 통해 수행한 연구임 이 논문은 산업통상자원부가 지원한 '산업혁신기반구축사업' 으로 지원을 받아 수행된 연구 결과입니다 . [과제명: 고령노약자 친화형 라이프케어로봇 실증기반조성/과제번호 : P0014807]

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