Abstract
Digital financial inclusion has become an increasingly important issue in ageing societies, where access to financial products and services is increasingly provided through digital channels. This article examines the role of electronic banking in digital financial inclusion among older adults in Poland. The analysis is based on survey data collected in the fourth quarter of 2023 from 380 households of older adults. The study compares the use of financial products and services by electronic banking users and non-users. The findings indicate that electronic banking users demonstrate a higher level of activity in the financial services market, particularly in relation to online payments, payment cards, and insurance products. Some older adults, despite holding a bank account, do not use electronic banking, which may limit their participation in the digital financial market and increase the risk of digital financial exclusion. Electronic banking may act as a gateway technology, enabling broader use of digital financial services. From an information systems perspective, promoting technology adoption requires reducing barriers such as technology anxiety, perceived risk, lack of trust, and interface complexity. The study contributes to the literature on digital financial inclusion and provides practical implications for designing accessible, trustworthy, and senior-friendly digital financial services.
Paper Type
Poster
DOI
10.62036/ISD.2026.123
Digital Financial Inclusion Among Older Adults: Use of Financial Products and Online Banking Services
Digital financial inclusion has become an increasingly important issue in ageing societies, where access to financial products and services is increasingly provided through digital channels. This article examines the role of electronic banking in digital financial inclusion among older adults in Poland. The analysis is based on survey data collected in the fourth quarter of 2023 from 380 households of older adults. The study compares the use of financial products and services by electronic banking users and non-users. The findings indicate that electronic banking users demonstrate a higher level of activity in the financial services market, particularly in relation to online payments, payment cards, and insurance products. Some older adults, despite holding a bank account, do not use electronic banking, which may limit their participation in the digital financial market and increase the risk of digital financial exclusion. Electronic banking may act as a gateway technology, enabling broader use of digital financial services. From an information systems perspective, promoting technology adoption requires reducing barriers such as technology anxiety, perceived risk, lack of trust, and interface complexity. The study contributes to the literature on digital financial inclusion and provides practical implications for designing accessible, trustworthy, and senior-friendly digital financial services.
Recommended Citation
Strzelecka, A., Szafraniec-Siluta, E., Poczekajło, P., Zawadzka, D. & Suszyński, R.(2026). Digital Financial Inclusion Among Older Adults: Use of Financial Products and Online Banking Services. In M. Valenta, B. Mannová, R. Pergl, A. Przybylek, M. Lang, H. Linger, C. Schneider, N. Iivari, & E. Insfran (Eds.), Making ISD Sustainable: Reloaded with AI and Automation (ISD2026 Proceedings). Prague, Czech Republic: Czech Technical University in Prague. ISBN: 978-80-01-07585-2. https://doi.org/10.62036/ISD.2026.123