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특별히 해당 조사에서 대다수의 고령층들은 ‘스마트폰뱅킹, ‘오픈뱅킹 개념조차 모르는 답변이 많았다. 간편결제, 앱카드, 스마트폰 소액결제를 이용하는 90대 이상은 각각 1%, 1.9%, 1%에 그쳤다. 코로나 바이러스 이후 은행들이 온라인 지점들을 줄이고 오프라인이나 비대면 금융 서비스를 확대하고 있는 상태에서 고령층 대상들의 이해도와 접근이 보다 쉽고 편리해져야 있다는 지적이
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