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Online Shopping and Financial Literacy Among the Elderly

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  • Xu Cui
  • Jing Jian Xiao
  • Jinpeng Wang

Abstract

The financial literacy of the elderly is important in an aging society. However, even though online shopping has been integrated into the daily lives of many elderly people, the relationship between online shopping and financial literacy among the elderly remains underresearched. In this study, we examine the relationship between online shopping and financial literacy among the elderly with data from the China Household Finance Survey. We find that online shopping is positively associated with financial literacy among the elderly. The relationship is mediated through obtaining financial information online and engaging in online financial practices. The correlation is stronger for those with better health status, higher education level, higher openness to experience, greater extraversion, and greater economic capacity, while gender differences are not pronounced. Moreover, it is more pronounced among the elderly in urban areas than in rural areas.

Suggested Citation

  • Xu Cui & Jing Jian Xiao & Jinpeng Wang, 2025. "Online Shopping and Financial Literacy Among the Elderly," Journal of Consumer Affairs, Wiley Blackwell, vol. 59(3), September.
    • Handle: RePEc:bla:jconsa:v:59:y:2025:i:3:n:e70023
    DOI: 10.1111/joca.70023
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