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높은 휴대전화 보급률, 비대면 서비스 활성화로 인하여 핸드폰만 있으면 일상생활에서 간편하게 사용할 수 있는 각종 서비스들이 인기다. 핸드폰소액결제, 신용카드, 아이디어이용료현금화 서비스 그런가하면 스마트폰을 활용한 간편 서비스의 일종으로, 복잡한 절차 없이 20분 내외면 서비스 사용이 종료되기 때문에 누구나 제약 없이 편리하게 이용할 수 있다는 점이 특성이다.
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특히 해당 조사에서 대다수의 고령층들은 ‘핸드폰뱅킹, ‘오픈뱅킹 개념조차 모르는 답변이 많았다. 간편결제, 앱카드, 휴대폰 소액결제를 사용하는 50대 이상은 각각 6%, 1.7%, 5%에 그쳤다. 코로나19 이후 은행들이 오프라인 지점들을 떨어뜨리고 온/오프라인이나 비대면 금융 서비스를 확대하고 있는 상태에서 고령층 고객들의 파악도와 접근이 보다 쉽고 편리해져야 있다는 지적이