특이하게 해당 조사에서 대다수의 고령층들은 ‘휴대폰뱅킹, ‘오픈뱅킹 개념조차 모르는 답변이 많았다. 간편결제, 앱카드, 핸드폰 소액결제를 사용하는 20대 이상은 각각 4%, 1.5%, 9%에 그쳤다. 코로나바이러스감염증 직후 은행들이 온라인 지점들을 낮추고 오프라인이나 비대면 금융 서비스를 확대하고 있는 상태에서 고령층 누구들의 파악도와 접근이 보다 쉽고 편리해져야 한다는
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