Empowerment or Exposure? Digital Literacy and the Vulnerabilities of Trust in Strangers Among Older Adults: Evidence from China.

Digital literacy is widely promoted as enabling later-life inclusion, but its potential to generate trust-related vulnerabilities remains insufficiently examined, particularly in rapidly ageing societies. Using nationally representative data from the 2022 China Family Panel Studies including 1583 adults aged 60 and above, this study examines whether digital literacy is associated with older adults' trust in strangers, which is interpreted here as a form of trust vulnerability in low-verifiability interactions. In this study, trust vulnerability is operationalised through respondents' self-reported trust in strangers, while digital literacy is operationalised through behavioural competences spanning information and data literacy, communication and collaboration, content creation, digital transactions, and problem-solving. OLS regression models with Huber-White robust standard errors are employed. The findings indicate that higher levels of digital literacy are positively associated with stronger trust in strangers, suggesting that competence may heighten older adults' inclination to trust and increase exposure to digital risks. This association is driven primarily by functional competences, with mobile payment use and problem-solving skills showing the largest and most consistent associations. By contrast, subjective well-being and perceived platform security show no significant mediating roles. The study recommends integrating functional training, trust calibration and risk-recognition education, alongside interpretable and verifiable safeguards that make security more visible to older adults.