Probe - Accounting, Auditing and Taxation

Mechanism analysis of digital financial inclusion in narrowing the elderly digital divide

Gangzhen Wang

School of Finance, Anhui University of Finance and Economics

Yujie Zhao

School of Finance, Anhui University of Finance and Economics

DOI: https://doi.org/10.59429/paat.v8i3.15710

Keywords: elderly digital divide; digital inclusive finance; urban-rural structure; educational expenditure level

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Abstract

Using provincial panel data from 2012–2023, this paper examines whether digital inclusive finance mitigates the elderly digital divide. Empirical results show a significant narrowing effect. Urban-rural structure and educational expenditure serve as key mediating channels. Policy should promote age-adapted digital finance, improve resource allocation, and enhance elderly digital literacy.

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