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With the increasing degree of population aging, the traditional pension service model has been difficult to solve the problem of low matching degree between users and the supply and demand of pension service, and the transition from the traditional pension model to the wisdom endowment model is an inevitable trend. In order to improve the user acceptance of wisdom endowment application, this paper, after studying the current situation of wisdom endowment application, constructs UTAUT modification model for the user and potential user behavior of wisdom endowment application. Effective questionnaires were collected for data analysis with the help of SPSS statistical analysis software, and the AMOS structural equation model was used for empirical analysis. Finally, the paper makes a comparative analysis of the existing work, points out the future development direction of the application of wisdom endowment, and puts forward countermeasures and suggestions.

Study on Factors Influencing User Behavior of Wisdom Endowment Platform Based on UTAUT Modified Model