互联网背景下移动支付对老年人社会适应的影响研究
Research on the Impact of Mobile Payment on Social Adaptation of the Elderly in the Internet Context

如今，互联网移动支付发展越来越快，技术越来越成熟，逐渐渗透到人们日常生活的各个方面。目前我国已进入中度老龄化社会，正向着重度老龄化社会迈进，庞大的老年群体如何熟练使用移动支付、顺利适应当代数字社会已成为社会各界广泛关注的重要议题。基于CLASS2020的数据，采用陈勃开发的社会适应量表，利用多元回归模型、倾向值得分匹配方法，实证研究移动支付对老年人社会适应的影响。研究结果表明，移动支付对老年人社会适应水平具有一定的积极影响，而且该影响存在区域异质性，即移动支付对城市老年人的影响更大。因此，为了推进积极老龄化，不仅需要鼓励老年人积极使用移动支付，还要加强对移动支付的风险管理，营造安全可靠的支付环境，让移动支付成为老年人适应数字社会的有效途径。
Nowadays, Internet mobile payment is developing faster and faster, and its technology is becoming more and more mature, gradually penetrating into all aspects of people’s daily life. At present, China has entered a moderately aging society and is moving towards a severely aging society. How the vast elderly population can proficiently use mobile payments and smoothly adapt to the contemporary digital society has become an important issue of widespread concern in all sectors of society. Based on the data from CLASS2020, using the social adaptation scale developed by Chen Bo, and employing multiple regression models and propensity score matching methods, this study empirically investigates the impact of mobile payments on the social adaptation of the elderly. The research results indicate that mobile payments have a certain positive impact on the social adaptation level of elderly people, and this impact has regional heterogeneity, that is, mobile payments have a greater impact on urban elderly people. Therefore, in order to promote active aging, it is not only necessary to encourage the elderly to actively use mobile payments, but also to strengthen risk management of mobile payments, create a safe and reliable payment environment, and make mobile payments an effective way for the elderly to adapt to the digital society.