老年人在移动支付场景中的风险感知与应对策略

Risk Perception and Coping Strategies of the Elderly in the Mobile Payment Scenario

摘要: 随着我国老龄化程度加深与数字经济的蓬勃发展，移动支付已成为主流的支付方式，但老年群体“数字鸿沟”问题凸显，其风险感知是阻碍数字化融入的关键。本文基于现有研究，系统分析了老年人在移动支付场景中风险感知的多维表现，包括账户资金与隐私安全、操作与技术障碍及电信诈骗风险。进一步地，本文深入剖析了影响风险感知及使用意愿的关键因素，如感知有用性、感知易用性、代际技术支持、社会影响与个体特征等，并指出在技术日趋成熟的背景下，感知风险对使用意愿的直接影响已不显著，感知有用性、社会影响等成为更核心的驱动力。最后，本文从优化产品设计、强化家庭与社区支持、完善社会服务层面的包容性建设及加强安全治理四个层面，提出综合应对策略，旨在弥合数字鸿沟，推动老年群体共享数字经济发展成果。

Abstract: With the deepening of China’s aging and the vigorous development of digital economy, mobile payment has become the mainstream payment method, but the problem of “digital divide” among the elderly is prominent, and their risk perception is the key to hinder digital integration. Based on the existing research, this paper systematically analyzes the multi-dimensional manifestations of risk perception of the elderly in the mobile payment scenario, including account funds and privacy security, operational and technical obstacles and telecom fraud risks. Furthermore, this paper deeply analyzes the key factors affecting risk perception and willingness to use, such as perceived usefulness, perceived ease of use, intergenerational technical support, social influence and individual characteristics, and points out that under the background of increasingly mature technology, the direct influence of perceived risk on willingness to use is not significant, and perceived usefulness and social influence have become more core driving forces. Finally, this paper puts forward comprehensive countermeasures from four aspects: optimizing product design, strengthening family and community support, improving inclusive construction of social services and strengthening security governance, aiming at bridging the digital divide and promoting the elderly to share the fruits of digital economy development.