Challenges and Strategies of Financial Inclusion in an Aging Society: An Analysis of Internet Banking and Anti-Fraud Practices
DOI:
https://doi.org/10.54536/ijsscs.v1i1.5544Keywords:
Digital Divide, Digital FinTech, Inclusive Finance, Internet BankingAbstract
In the context of an aging society and the rapid digitalization of financial services, this study investigates the challenges faced by older adults in using internet banking and mobile biometric technologies. It highlights the usability and security barriers encountered by individuals aged 65 and above, particularly in digital interfaces, multi-factor authentication procedures, and fraud risks. Drawing on literature analysis and case-based insights, the research proposes a layered risk management mechanism combining system alerts, manual verification, and law enforcement collaboration to prevent financial fraud. The study also explores the potential of integrating voice recognition and facial recognition technologies to enhance accessibility, while emphasizing the need for user-friendly interface design and human-centered assistance protocols. It calls for cross-sectoral cooperation, data privacy safeguards, and gradual policy experimentation to ensure that FinTech development remains inclusive, secure, and responsive to the needs of vulnerable populations. This research contributes to building a framework that promotes equitable access to financial technologies for older users, advancing the goal of inclusive finance in the digital age.
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