The Relationship Between Future Time Perspective of the Elderly and the Use of E-banking: A Moderated Mediator Model

Lidan Liu; Yonghong Yu

doi:doi:10.11648/j.pbs.20231201.13

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The Relationship Between Future Time Perspective of the Elderly and the Use of E-banking: A Moderated Mediator Model

Lidan Liu, Yonghong Yu

Published in Psychology and Behavioral Sciences (Volume 12, Issue 1)

Received: 17 January 2023 Accepted: 7 February 2023 Published: 24 February 2023

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Abstract

Digital finance has increasingly become an indispensable part in life, and integral to digital finance is E-banking. However, the elderly, who are one of the target groups of inclusive finance, have a low utilization rate of digital finance and E-banking. Based on socioemotional selectivity theory, this study explored the relationship between future time perspective of the elderly in China and their use of E-banking, and the mechanism underlying the relationship. A total of 1400 elderly people (including 623 males and 777 females) aged over 60 in Ningbo and Guangzhou were recruited. Their use of E-banking, security perception, attitude and future time perspective of digital finance were investigated. The results showed that future time perspective was significantly correlated with attitude towards digital finance and use of E-banking. Future time perspective indirectly affects use of E-banking through the attitude towards digital finance. Perception of digital finance security moderated the relationship between future time perspective and attitude towards digital finance. The current research finds that the perception of future time of the elderly will affect their attitude towards digital finance and their use behavior, which can be used to promote the use of E-banking and digital finance in real life. In addition, in order to change the attitude towards digital finance of the elderly, their views on future digital financial security should also be considered. The research needs to further explore the factors that affect attitude towards digital finance of the elderly, and how to change their attitude towards digital finance through intervention.

Published in	Psychology and Behavioral Sciences (Volume 12, Issue 1)
DOI	10.11648/j.pbs.20231201.13
Page(s)	23-30
Creative Commons	This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.
Copyright	Copyright © The Author(s), 2023. Published by Science Publishing Group

Keywords

The Elderly, Future Time Perspective, Digital Financial Attitude, Security Perception, E-banking

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Lidan Liu, Yonghong Yu. (2023). The Relationship Between Future Time Perspective of the Elderly and the Use of E-banking: A Moderated Mediator Model. Psychology and Behavioral Sciences, 12(1), 23-30. https://doi.org/10.11648/j.pbs.20231201.13

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ACS Style

Lidan Liu; Yonghong Yu. The Relationship Between Future Time Perspective of the Elderly and the Use of E-banking: A Moderated Mediator Model. Psychol. Behav. Sci. 2023, 12(1), 23-30. doi: 10.11648/j.pbs.20231201.13

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AMA Style

Lidan Liu, Yonghong Yu. The Relationship Between Future Time Perspective of the Elderly and the Use of E-banking: A Moderated Mediator Model. Psychol Behav Sci. 2023;12(1):23-30. doi: 10.11648/j.pbs.20231201.13

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@article{10.11648/j.pbs.20231201.13,
  author = {Lidan Liu and Yonghong Yu},
  title = {The Relationship Between Future Time Perspective of the Elderly and the Use of E-banking: A Moderated Mediator Model},
  journal = {Psychology and Behavioral Sciences},
  volume = {12},
  number = {1},
  pages = {23-30},
  doi = {10.11648/j.pbs.20231201.13},
  url = {https://doi.org/10.11648/j.pbs.20231201.13},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.pbs.20231201.13},
  abstract = {Digital finance has increasingly become an indispensable part in life, and integral to digital finance is E-banking. However, the elderly, who are one of the target groups of inclusive finance, have a low utilization rate of digital finance and E-banking. Based on socioemotional selectivity theory, this study explored the relationship between future time perspective of the elderly in China and their use of E-banking, and the mechanism underlying the relationship. A total of 1400 elderly people (including 623 males and 777 females) aged over 60 in Ningbo and Guangzhou were recruited. Their use of E-banking, security perception, attitude and future time perspective of digital finance were investigated. The results showed that future time perspective was significantly correlated with attitude towards digital finance and use of E-banking. Future time perspective indirectly affects use of E-banking through the attitude towards digital finance. Perception of digital finance security moderated the relationship between future time perspective and attitude towards digital finance. The current research finds that the perception of future time of the elderly will affect their attitude towards digital finance and their use behavior, which can be used to promote the use of E-banking and digital finance in real life. In addition, in order to change the attitude towards digital finance of the elderly, their views on future digital financial security should also be considered. The research needs to further explore the factors that affect attitude towards digital finance of the elderly, and how to change their attitude towards digital finance through intervention.},
 year = {2023}
}

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TY  - JOUR
T1  - The Relationship Between Future Time Perspective of the Elderly and the Use of E-banking: A Moderated Mediator Model
AU  - Lidan Liu
AU  - Yonghong Yu
Y1  - 2023/02/24
PY  - 2023
N1  - https://doi.org/10.11648/j.pbs.20231201.13
DO  - 10.11648/j.pbs.20231201.13
T2  - Psychology and Behavioral Sciences
JF  - Psychology and Behavioral Sciences
JO  - Psychology and Behavioral Sciences
SP  - 23
EP  - 30
PB  - Science Publishing Group
SN  - 2328-7845
UR  - https://doi.org/10.11648/j.pbs.20231201.13
AB  - Digital finance has increasingly become an indispensable part in life, and integral to digital finance is E-banking. However, the elderly, who are one of the target groups of inclusive finance, have a low utilization rate of digital finance and E-banking. Based on socioemotional selectivity theory, this study explored the relationship between future time perspective of the elderly in China and their use of E-banking, and the mechanism underlying the relationship. A total of 1400 elderly people (including 623 males and 777 females) aged over 60 in Ningbo and Guangzhou were recruited. Their use of E-banking, security perception, attitude and future time perspective of digital finance were investigated. The results showed that future time perspective was significantly correlated with attitude towards digital finance and use of E-banking. Future time perspective indirectly affects use of E-banking through the attitude towards digital finance. Perception of digital finance security moderated the relationship between future time perspective and attitude towards digital finance. The current research finds that the perception of future time of the elderly will affect their attitude towards digital finance and their use behavior, which can be used to promote the use of E-banking and digital finance in real life. In addition, in order to change the attitude towards digital finance of the elderly, their views on future digital financial security should also be considered. The research needs to further explore the factors that affect attitude towards digital finance of the elderly, and how to change their attitude towards digital finance through intervention.
VL  - 12
IS  - 1
ER  -

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Author Information

Lidan Liu

School of Sociology and Psychology, Central University of Finance and Economics, Beijing, China
Yonghong Yu

School of Sociology and Psychology, Central University of Finance and Economics, Beijing, China

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APA Style

Lidan Liu, Yonghong Yu. (2023). The Relationship Between Future Time Perspective of the Elderly and the Use of E-banking: A Moderated Mediator Model. Psychology and Behavioral Sciences, 12(1), 23-30. https://doi.org/10.11648/j.pbs.20231201.13

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ACS Style

Lidan Liu; Yonghong Yu. The Relationship Between Future Time Perspective of the Elderly and the Use of E-banking: A Moderated Mediator Model. Psychol. Behav. Sci. 2023, 12(1), 23-30. doi: 10.11648/j.pbs.20231201.13

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AMA Style

Lidan Liu, Yonghong Yu. The Relationship Between Future Time Perspective of the Elderly and the Use of E-banking: A Moderated Mediator Model. Psychol Behav Sci. 2023;12(1):23-30. doi: 10.11648/j.pbs.20231201.13

Copy | Download

@article{10.11648/j.pbs.20231201.13,
  author = {Lidan Liu and Yonghong Yu},
  title = {The Relationship Between Future Time Perspective of the Elderly and the Use of E-banking: A Moderated Mediator Model},
  journal = {Psychology and Behavioral Sciences},
  volume = {12},
  number = {1},
  pages = {23-30},
  doi = {10.11648/j.pbs.20231201.13},
  url = {https://doi.org/10.11648/j.pbs.20231201.13},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.pbs.20231201.13},
  abstract = {Digital finance has increasingly become an indispensable part in life, and integral to digital finance is E-banking. However, the elderly, who are one of the target groups of inclusive finance, have a low utilization rate of digital finance and E-banking. Based on socioemotional selectivity theory, this study explored the relationship between future time perspective of the elderly in China and their use of E-banking, and the mechanism underlying the relationship. A total of 1400 elderly people (including 623 males and 777 females) aged over 60 in Ningbo and Guangzhou were recruited. Their use of E-banking, security perception, attitude and future time perspective of digital finance were investigated. The results showed that future time perspective was significantly correlated with attitude towards digital finance and use of E-banking. Future time perspective indirectly affects use of E-banking through the attitude towards digital finance. Perception of digital finance security moderated the relationship between future time perspective and attitude towards digital finance. The current research finds that the perception of future time of the elderly will affect their attitude towards digital finance and their use behavior, which can be used to promote the use of E-banking and digital finance in real life. In addition, in order to change the attitude towards digital finance of the elderly, their views on future digital financial security should also be considered. The research needs to further explore the factors that affect attitude towards digital finance of the elderly, and how to change their attitude towards digital finance through intervention.},
 year = {2023}
}

Copy | Download

TY  - JOUR
T1  - The Relationship Between Future Time Perspective of the Elderly and the Use of E-banking: A Moderated Mediator Model
AU  - Lidan Liu
AU  - Yonghong Yu
Y1  - 2023/02/24
PY  - 2023
N1  - https://doi.org/10.11648/j.pbs.20231201.13
DO  - 10.11648/j.pbs.20231201.13
T2  - Psychology and Behavioral Sciences
JF  - Psychology and Behavioral Sciences
JO  - Psychology and Behavioral Sciences
SP  - 23
EP  - 30
PB  - Science Publishing Group
SN  - 2328-7845
UR  - https://doi.org/10.11648/j.pbs.20231201.13
AB  - Digital finance has increasingly become an indispensable part in life, and integral to digital finance is E-banking. However, the elderly, who are one of the target groups of inclusive finance, have a low utilization rate of digital finance and E-banking. Based on socioemotional selectivity theory, this study explored the relationship between future time perspective of the elderly in China and their use of E-banking, and the mechanism underlying the relationship. A total of 1400 elderly people (including 623 males and 777 females) aged over 60 in Ningbo and Guangzhou were recruited. Their use of E-banking, security perception, attitude and future time perspective of digital finance were investigated. The results showed that future time perspective was significantly correlated with attitude towards digital finance and use of E-banking. Future time perspective indirectly affects use of E-banking through the attitude towards digital finance. Perception of digital finance security moderated the relationship between future time perspective and attitude towards digital finance. The current research finds that the perception of future time of the elderly will affect their attitude towards digital finance and their use behavior, which can be used to promote the use of E-banking and digital finance in real life. In addition, in order to change the attitude towards digital finance of the elderly, their views on future digital financial security should also be considered. The research needs to further explore the factors that affect attitude towards digital finance of the elderly, and how to change their attitude towards digital finance through intervention.
VL  - 12
IS  - 1
ER  -

Copy | Download