ArticleFrontiers in psychology2024
Exploring the mechanisms driving elderly Fintech engagement: the role of social influence and the elderly's digital literacy.
Article in Frontiers in psychology, 2024. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 6 papers.
What it found
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Who cites it
6 citing papers in PubMed.
- How social influence and innovativeness shape technology perceptions and usage intentions: a TAM extension.BMC psychology · 2026Article
- Psychological and social factors influencing AI painting tool adoption among young-old adults in the context of creative aging.Frontiers in psychology · 2026Article
- Driving older adults' online engagement through an integrated service experience: a mixed-methods study in an online-merge-offline educational context.Frontiers in public health · 2026Article
- Impact of digital literacy on aging attitudes of the elderly from the perspective of social cognitive theory.BMC public health · 2025Article
- Exploring the determinants of online purchase intention for aging-friendly products: evidence from senior consumers in urban Chinese context.Frontiers in public health · 2025Article
- Digital village construction and the mental health of rural older adults: Evidence from China.Digital healthArticle
Corrections and comments
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Authors and funding
1 author.
Funding
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Abstract
Objective: This study aims to investigate the elderly digital engagement (acceptance and utilization of technology), with a focus on the widespread application of financial technology: mobile banking (m-banking). Methods: Guided by social influence theory, the research examines the various social dynamics that encourage elderly engagement with m-banking and the moderating effects of their digital literacy. Data was gathered online utilizing a disjunctive approach and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Results: The study reveals that both word-of-mouths (WOMs) and peer engagement significantly influence the elderly's perceived usefulness of the platform, thereby influencing their m-banking engagement. Additionally, the level of digital literacy among older adults was found to impact their perceived usefulness of m-banking services. Interestingly, digital literacy among older adults negatively moderates the positive associations of WOMs and peer engagement on perceived usefulness. Discussion: These insights advance our understanding of how social interactions can steer technological engagement, particularly for the silver generation with diverse levels of digital literacy. As society ages and becomes increasingly digitized, it is imperative to promote digital engagement among the elderly and foster a more inclusive digital environment.
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Registered trials
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