Rapid digitalization and an aging population are leading to an increasingly prominent age-based digital divide among the world's elderly population. This study focuses on China, one of the most rapidly aging and digitalizing countries in the world. Employing a mixed-method approach, this research examines how elderly individuals experience the digital transformation and the associated digital divide. The findings suggest that the elderly interviewees encounter multiple barriers to learning and using digital technologies, which highlights the significant role of social support and networks in facilitating their adaptation to the digital society and lifestyle. Attitudes toward digital engagement and digitalization vary greatly among the elderly, ranging from being optimistic to feeling left behind and having multiple concerns. Our findings further reveal that the Chinese government has implemented numerous digital apps tailored to the demands of the elderly and provided training opportunities to bridge the gray digital divide. This emphasizes the responsiveness and adaptiveness of Chinese authorities in addressing pressing societal issues. However, we identify a gap in digital outreach, as most elderly interviewees have limited awareness of government digital inclusion policies and programs. This article contributes to digital divide research and offers practical implications for countries grappling with the gray digital divide.
AbstractThere are significant digital inclusion disparities between low‐ and high‐income households across countries. Yet, there is a lack of in‐depth research about the relationship between digital and social participation in low‐income family households, especially in households facing multiple forms of disadvantage and discrimination due to language, cultural or literacy barriers. This article is based on long‐term ethnographic research with low‐income, migrant family households in the most culturally diverse region of Australia—Western Sydney. We find that household digital inclusion is perceived as necessary and important by parents—but also as a burden that has social, financial and emotional dimensions. We also find that a lack of targeted and culturally informed digital and social inclusion services constrain what digital connection can achieve for families. We argue that under these conditions, equitable digital inclusion cannot be achieved.
This open access book considers how inclusive learning, wellbeing and active citizenship can be encouraged, taught, learnt, and supported in a digital world. The book poses and seeks to address three questions: How can governments and intergovernmental organisations support learning inclusion and active citizenship? How can the education sector and public/private enterprises support learning inclusion and active citizenship? How can professionals and communities work with vulnerable adults who are disadvantaged in a participatory, empowering manner? The Examples discussed in the book draw on the experiences of adult refugees and migrants, as well as people who may experience disadvantage and/or discrimination as a result of their social, economic, political, cultural, religious, physical, mental, age or gender-related status. One methodological pillar in this work is the development of skills in digital storytelling and digital stories creation for personal, community and professional purposes. Conceptually and of interest for researcher and policy makers at local, national and transnational levels, this book brings together a number of related concepts to generate innovative understanding and practices of applied relevance in the age of the pandemic and its aftermath.
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"Digital rights education is essential in Timor-Leste to empower individuals to protect their privacy, promote freedom of expression, and foster digital inclusion."
Technology, Policy, and Inclusion looks at the intersections between public policy and technology in India. It explores the barriers in instituting effective governance and development and examines how these can be mitigated through technological interventions in developing countries.
Increased digitisation of the economy has added to the development challenges in India and issues such as exclusion and social inequality. This volume stresses the need for governments to leverage technology to bring more vulnerable and marginalised groups into the fold of financial and social inclusion. It also focuses on the importance of regulation for a responsible integration of technologies and minimising risks. The book includes examples and case studies from different areas including management of the COVID-19 pandemic through digital means, real estate digital infrastructure, digital census, e-markets for farmers, and government interventions that use technology to deliver financial services in remote areas of the country. It also outlines various solutions for fostering equity and socio-economic development.
Part of the Innovations, Practice and the Future of Public Policy in India series, this volume will be of interest to students and researchers of public policy, political science, development studies, and sociology as well as policy professionals and technocrats.
This book is freely available as a downloadable Open Access PDF at http://www.taylorfrancis.com under a Creative Commons (CC-BY-NC-ND) 4.0 license.
Abstract Despite the rapid growth in digital payments (DP) adoption and its positive socio-economic impacts in low-income countries, a large portion of the population remains disconnected from DP. At the same time, usage of DP conditional on adoption is low, highlighting the unexplored potential for financial inclusion and economic advancement. This paper reviews the burgeoning academic literature on DP and categorizes both macro-level adoption barriers (extensive margin) and micro-level usage challenges (intensive margin). We draw on the Transaction Cost Index, a new comprehensive database encompassing 16 low-income countries, to shed light on major themes in markets for DP. We conclude by outlining potential avenues for future research in this area.
"This is an excellent Handbook with varied, interesting and relevant chapters that present sophisticated approaches to the human aspects of technology usage and digital life" - Robin Mansell, Professor Emerita, Department of Media and Communications, London School of Economics and Political Science, UK "Bringing together an unparalleled collection of global technology scholars, this Handbook offers keen insights into our quotidian digital routines. It is an exemplar of inclusionary voices. A must read for all media and internet scholars!" - Inês Vitorino Sampaio, Professor, Federal University of Ceará, Brazil, and Faculty Associate, Harvard Berkman Klein Center, USA This comprehensive Handbook explores the multiple ways in which people experience digital life. It maps the transitions in human civilization generated by such digital technologies as the internet, mobile telephony, artificial intelligence, the metaverse, social media platforms and algorithms. It explores how the scarcity or abundance of digital affordances impacts access, governance and livelihoods in various parts of the world. The book's 27 chapters are organised in five sections: Social Media and Digital Lifeworlds; Digital Affordances and Contestations; Digital Divides and Inclusion Strategies; Work, Culture and Digital Consumption, and New Media and Digital Journalism. The present and future of digital transitions are interrogated in the context of everyday social production and consumption. Hopeton S. Dunn is Professor of Communications Policy and Digital Media at the University of Botswana and Senior Research Associate, University of Johannesburg, South Africa. Massimo Ragnedda is Associate Professor in Media and Communication at Northumbria University, U.K. and Visiting Professor at the Faculty of Journalism, Lomonosov Moscow State University, Russia. Maria Laura Ruiu is Senior Lecturer in Sociology at Northumbria University, U.K. She holds a Ph.D. in Sociology from University of Sassari, Italy and a PhD in Media and Communication from Northumbria University, UK. Laura Robinson is Professor in the Department of Sociology at Santa Clara University, USA, and Faculty Associate at the Harvard Berkman Klein Center for Internet and Society, USA. .
La igualdad de género, hoy en día, se consolida como un tema a abordar para alcanzar la reducción de brecha de género, debido a que es un factor que impacta al desarrollo social de las naciones. De tal manera, el objetivo para la presente entrega es determinar el efecto de la implementación de políticas de igualdad de género en la inclusión de la mujer en el consejo de accionistas de empresas mexicanas. Son consideradas 145 empresas que cotizaron en la Bolsa Mexicana de Valores en los años 2014 – 2018, a través de un diseño metodológico de datos panel. Como parte de los resultados, se encontró un efecto positivo en la implementación de políticas de igualdad de género en la inclusión de la mujer en los consejos de accionistas, lo cual permite asumir que la generación de políticas sobre la igualdad de oportunidades a nivel de alta gerencia favorece la incorporación de mujeres a los niveles de tomas de decisiones, rompiendo el famoso techo de cristal que existe en México.
About thirty years ago, when the Internet started to be commercialised, access to the medium became a topic of research and debate. Up-to-date evidence about key predictors, such as age, is crucial because of the Internet's ever-changing nature and the challenges associated with gaining access to it. This paper aims to give an overview of New Zealand's Internet access trends and how they relate to age. It is based on secondary analysis of data from a larger online panel survey with 1,001 adult respondents. The Chi-square test of independence and Cramer's V were used in the analysis. The study provides new evidence to understand the digital divide. Specifically, it uncovers a growing disparity in the quality of Internet connectivity. Even though fibre is the most common type of broadband connection at home, older adults are less likely to have it and more likely to use wireless broadband, which is a slower connection type. Additionally, a sizable majority of people in all age categories have favourable opinions on the Internet. Interestingly, this was more prevalent among older people, although they report an increased concern about the security of their personal information online. The implications of the results are discussed and some directions for future research are proposed.
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Dan Cassara (CEGA Project Manager, Financial Inclusion) and Ariana Zapanta (IPA Research Manager, Financial Inclusion) introduce a new synthesis on the relationship between the digitization of credit and development. Explore the full report or a condensed summary.The first digital credit loan was made in Kenya in 2012 [1]. By 2019, these loans had spread across the globe, with billions of dollars of credit disbursed to consumers in low- and middle-income countries (LMICs) [2]. Though the proliferation of quick and easy loans made demand for these products clear, their impact on consumers was uncertain.While proponents hailed digital credit as a transformative development with the potential to drive financial inclusion and reduce poverty, reports of fraud, exploitation, and over-indebtedness led to concerns that many digital credit users suffered financial harm. Until now, a shortage of rigorous evidence has made it difficult to answer questions about the true impacts of the first wave of digital loans. Even as a sufficient body of evidence has formed to evaluate early digital credit products, rapid evolution in the market and the digitization of new credit products over the past decade has further complicated the challenge of fully understanding the impacts of digital credit today. Insights from early evaluations should be applied to critically assess newer forms of digital credit and focus future support on more productive and impactful products.A New SynthesisSupported by the Bill & Melinda Gates Foundation, Mobile Instant Credit: Impacts, Challenges, and Lessons for Consumer Protection is a collaborative report from the Center for Effective Global Action (CEGA) and Innovations for Poverty Action (IPA) that contributes to a shared vocabulary, reference base, and conceptual framework to advance discussion on the relationship between the digitization of credit and development. The report draws on evidence mainly from CEGA's Digital Credit Observatory (DCO) and IPA's Consumer Protection Research Initiative (CPRI). Both initiatives have supported extensive research on digital credit and approaches to better protect consumers and support their financial health.This new report should temper both the fears of critics and optimism of proponents. The current evidence on digital credit suggests the average consumer has not benefited economically, but did see modest improvements in subjective well-being. Causal studies did not find that recipients were harmed by digital loans, but descriptive evidence showed a rise in problems such as debt stress, price shrouding, overcharging, and predatory collection practices. When considered alongside the proliferation of digital credit, these challenges necessitate new consumer protections.A small-business owner can be seen serving patrons in her restaurant in Nkhoma, Malawi. | Credit: Bill & Melinda Gates Foundation/Barbara KinneyKey EvidenceThe report focuses on studies investigating the welfare impacts of digital credit, the forms of misconduct associated with digital credit, and the effectiveness of consumer protection tools. It emphasizes the narrower topic of Mobile Instant Credit (MIC) — small digital loans that are primarily marketed and used for consumption — and airtime loans, which together comprised the first wave of credit digitization. As digital credit continues to evolve with new products like Buy-Now Pay-Later, overdraft facilities, and Pay-As-You-Go schemes, this report synthesizes research on MIC to generate insights that can inform digital credit-related policy more broadly.The report's main findings include:The current evidence on MIC and airtime loans reveals modest improvements in subjective well-being for the average consumer. Most loans are small — the average loan was less than US$3 in half of the studies on the welfare effects of digital loans — which may limit how large the impacts can be. Although the majority of evidence indicates MIC has not affected financial outcomes, including resilience, consumption, and financial health, studies that examined subjective well-being found a positive impact. One research team speculated — with the caveat that more evidence is needed — that the ability to access resources in times of need can relax constraints that damage mental health, consistent with prior studies [3, 4].The absence of negative impacts contrasts with robust descriptive evidence on the diverse consumer harms associated with rapidly digitizing credit, including rising debt stress, price shrouding and overcharging, predatory collections, and fraud. The rapid digitization of finance in many regions of the world has revealed new and growing consumer protection risks. While digital credit does not appear, on average, to harm consumers' financial health, ability to save, or overall spending, descriptive evidence from digital finance and mobile money, which underlies MIC and digital credit, reveals misconduct and other risks.Upgrading consumer protection regimes is imperative given the increasing digitization of finance and credit. Fortunately, there are promising approaches to improve market monitoring and empower consumers. Despite existing challenges, a handful of causal studies and pilot interventions confirm the effectiveness and feasibility of interventions to address consumer protection concerns. New data sources and collection methods, along with advanced data analytics, suggest that a next-generation approach to market monitoring would enable regulators to move towards preventative interventions. Further, several interventions directly targeting consumer and provider behavior have empowered consumers in early evaluations, and may be effective if scaled up.Policy InsightsDigital credit is growing and evolving rapidly, with providers increasingly using digital lending to offer more than just small consumer loans and targeting a wider array of sectors, from agricultural finance to e-commerce. The digital credit model has the potential to enable growth as reduced costs, faster underwriting, and better information on prospective borrowers may lead to more suitable and sustainable products, particularly in more productive parts of the economy. Evidence on Mobile Instant Credit and airtime loans is particularly informative for emergent forms of consumer-oriented digital credit, such as Buy-Now Pay-Later and overdraft products. However, the effectiveness of many forms of digital credit, particularly those focused on productive activities, remains unexplored, and regulatory frameworks are still being developed in many countries, leaving consumers at risk. More research is needed to understand who benefits from digital credit, and why.There are also clear dangers to maintaining the status quo in unregulated or underregulated markets. Although causal studies have not found clear negative impacts of MIC and airtime loans, decision-makers should consider a broader set of evidence. Robust descriptive studies highlight diverse consumer protection challenges associated with digitizing credit, and there is evidence that the most vulnerable people are more susceptible to fraud and exploitation as they enter the formal financial system via digital credit. Though risks have grown, initial research on new market monitoring techniques and interventions to directly support consumers have shown promise, and could pave the road to more proactive regulatory approaches.Despite what remains unknown, there are reasons for optimism. Digitization has catalyzed rapid growth in financial inclusion, and addressing known policy issues now can be instructive for informing management and regulation of digital credit products more broadly, including the potential movement of digital credit into more productive parts of the economy. Mobile Instant Credit: Impacts, Challenges, and Lessons for Consumer Protection gathers existing evidence on the relationship between the digitization of credit and development, while clarifying the need for further research. Whether the next evolution of digital credit improves upon the first to provide less risky and more transformative solutions will depend on the evolution of commercial product design and public policy to monitor markets and protect consumers.References:[1] Totolo, E. (2018) Kenya's Digital Credit Revolution 5 Years On. FSD Kenya, Blog. https://www.fsdkenya.org/blogs-publications/blog/kenyas-digital-credit-revolution-5-years-on/[2] Cornelli, G., J. Frost, L. Gambacorta, P.R. Rau, R. Wardrop, T. Ziegler, (2023) Fintech and big tech credit: drivers of the growth of digital lending. Journal of Finance and Banking, 148, 106742. https://doi.org/10.1016/j.jbankfin.2022.106742[3] Haushofer, J., E. Fehr, (2014) On the Psychology of Poverty. Science 344, no. 6186: 862–867. https://www.science.org/doi/10.1126/science.1232491[4] Banerjee, A., M. Faye, A. Krueger, P. Niehaus, T. Suri, (2020) Effects of a Universal Basic Income during the pandemic. UC San Diego Technical Report.The Promise and Harms of Digital Credit: What Does the Evidence Say? was originally published in CEGA on Medium, where people are continuing the conversation by highlighting and responding to this story.