Study On The Willingness To Use Online Payment And Its Influencing Factors Of The Urban Elderly

Along with the development of Internet of things technology,the intelligent application of smart phone is widely used,and the network payment is generally accepted by social groups because of its fast,convenient and efficient characteristics.Payment method also gradually by the original traditional cash,bank card payment,developed into the current multi-channel network payment,network payment all over the city community.Especially during this year's outbreak of new crown disease,closed management and fear of contact made online payment a necessary skill.However,for the elderly who are forced into the increasingly common online payment system,this convenient application may become a threshold and barrier to life.In this paper,the author conducted in-depth interviews with the elderly in a community in Jinan,and selected the interviews as the text content of this study,this paper makes an in-depth analysis and summary on the willingness to use network payment and its dilemma of the urban elderly.At the same time,331 valid questionnaires were collected to analyze the factors that affect the willingness to use internet payment of the urban elderly in Jinan by using data analysis software.From the perspective of innovation diffusion,it is found that the network payment willingness of the aged in Jinan is in three stages:active use,passive use and refusal use.There are some difficulties in the use of network payment for the elderly:psychological access is difficult to overcome,lack of digital thinking,high risk of network payment.Perceived risk,perceived usefulness,and individual perceived value were the influential factors of the elderly group's internet payment willingness.Among them,perceived risk negatively affects the network payment intention of the urban elderly,perceived usefulness and individual perceived value positively affect the network payment intention of the urban elderly.Finally,on the basis of research and analysis,this paper gives some suggestions on the difficulties of network payment for the elderly:paying attention to interactive feedback,helping the elderly to learn the use of network payment,perfecting risk management,to eliminate the fear of using network payment for the elderly,enhance the sense of service,and ensure the use of network payment for the elderly.