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      Exploring the mechanisms driving elderly Fintech engagement: the role of social influence and the elderly’s digital literacy

      research-article
      Author(s): * ,
      Publication date (Electronic):
      Journal: Frontiers in Psychology
      Publisher: Frontiers Media S.A.
      Keywords: silver generation, digital literacy, social influence, elderly digital engagement, m-banking

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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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          Most cited references83

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          Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology

          Fred D. Davis (1989)
          Article 0 comments Cited 4457 times – based on 0 reviews     Review now
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            When to use and how to report the results of PLS-SEM

            Joseph Hair, Jeffrey J. Risher, Marko Sarstedt … (2019)
            Article 0 comments Cited 2360 times – based on 0 reviews     Review now
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              An assessment of the use of partial least squares structural equation modeling (PLS-SEM) in hospitality research

              Christian M. Ringle, Marko Sarstedt, Faizan Ali … (2018)
              Article 0 comments Cited 246 times – based on 0 reviews     Review now
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                Author and article information

                Contributors
                Journal
                Journal ID (nlm-ta): Front Psychol
                Journal ID (iso-abbrev): Front Psychol
                Journal ID (publisher-id): Front. Psychol.
                Title: Frontiers in Psychology
                Publisher: Frontiers Media S.A.
                ISSN (Electronic): 1664-1078
                Publication date (Electronic): 21 June 2024
                Publication date Collection: 2024
                Volume: 15
                Electronic Location Identifier: 1420147
                Affiliations
                School of Finance, Zhejiang University of Finance & Economics , Hangzhou, Zhejiang, China
                Author notes

                Edited by: Eleni Mitsea, National Centre of Scientific Research Demokritos, Greece

                Reviewed by: Martin Gameli Akakpo, Regent University College of Science and Technology, Ghana

                Jie Wang, Chizhou University, China

                *Correspondence: Yi Mei, 1196594680@ 123456zufe.edu.cn
                Article
                DOI: 10.3389/fpsyg.2024.1420147
                PMC ID: 11224538
                SO-VID: 688ab441-ad3e-463c-9462-4e01e5c9d9b9
                Copyright © Copyright © 2024 Mei.
                License:

                This is an open-access article distributed under the terms of the Creative Commons Attribution License (CC BY). The use, distribution or reproduction in other forums is permitted, provided the original author(s) and the copyright owner(s) are credited and that the original publication in this journal is cited, in accordance with accepted academic practice. No use, distribution or reproduction is permitted which does not comply with these terms.

                History
                Date received : 19 April 2024
                Date accepted : 07 June 2024
                Page count
                Figures: 3, Tables: 10, Equations: 0, References: 83, Pages: 16, Words: 11345
                Funding
                Funded by: National Natural Science Foundation of China, doi 10.13039/501100001809;
                The author(s) declare that financial support was received for the research, authorship, and/or publication of this article. This research was partly supported by the National Natural Science Foundation of China [72301238] and the Zhejiang Provincial Natural Science Foundation of China [LQ23G20002].
                Categories
                Subject: Psychology
                Subject: Original Research
                Custom metadata
                section-at-acceptance Psychology of Aging

                ScienceOpen disciplines: Clinical Psychology & Psychiatry
                Keywords: silver generation,digital literacy,social influence,elderly digital engagement,m-banking
                Data availability:
                ScienceOpen disciplines: Clinical Psychology & Psychiatry
                Keywords: silver generation, digital literacy, social influence, elderly digital engagement, m-banking

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