New Normal Payment Method among Elderly in COVID-19 Pandemic

Monthana Kongkaew, Auntika Thipjumnong
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Abstract

The study under the topic the of new standard payment method among the elderly in the COVID-19 pandemic aimed to investigate: 1) elderly payment behavior, 2) factors affecting payment platform selection, and 3) acceptance and adaptation toward digital payment among the elderly. The sample group was 400 elderlies in Nakhon Si Thammarat Province, Songkhla Province, and Phatthalung Province. The research collecting tool was the questionnaires, and the statistics used in analyzing data were frequency, percentage, mean, standard deviation, multiple regression, and Principal Component Analysis. Research findings showed as the followings. The first aspect, the financial behavior among elderlies, was mainly still in cash; however, the elderly chose to pay via digital platforms during the COVID-19 pandemic to access the finance state welfare or get financial aid from the government. Secondly, factors affecting the payment platform selection were payment security, convenience, age, educational levels, and familiarity with the payment platform. Thirdly, the elderly acceptance and adaptation toward digital payment were because of security and mistake concerns. Lastly, the result of hypothesis testing revealed that the electronic device owned, the frequency of cash payment, the frequency of cashless payment, and the digital payment experience during the pandemic situation all positively influenced the acceptance and adaptation among elderlies toward the digital payment with statistical significance of 0.05 (R=0.642), In contrast, the cofactors toward the payment platform selection among elderlies were categorized into 9 factors with a variable variation of 62.46 percent.
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COVID-19大流行中老年人新常态支付方式
新冠肺炎疫情下老年人新标准支付方式的研究旨在调查:1)老年人的支付行为;2)影响支付平台选择的因素;3)老年人对数字支付的接受和适应。样本组为那空西塔玛拉省、宋卡省和法塔隆省的400名老年人。研究的收集工具为问卷调查,数据分析的统计方法为频次、百分比、均值、标准差、多元回归和主成分分析。研究结果如下:第一个方面,老年人的金融行为仍以现金为主;然而,在新冠肺炎疫情期间,老年人选择通过数字平台支付,以获得财政国家福利或获得政府的财政援助。其次,影响支付平台选择的因素是支付安全性、便利性、年龄、受教育程度和对支付平台的熟悉程度。第三,老年人对数字支付的接受和适应是出于安全性和误用的考虑。最后,假设检验结果显示,拥有的电子设备、现金支付频率、无现金支付频率和疫情期间的数字支付经历对老年人对数字支付的接受和适应均有正向影响,差异有统计学意义0.05 (R=0.642)。影响老年人支付平台选择的辅助因素共分为9个,变量变异率为62.46%。
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CiteScore
1.20
自引率
11.10%
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0
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