Revisión de las estrategias para la promoción de la alfabetización financiera digital de los mayores: eficacia y limitaciones

María Elena Líndez Macarro

doi:10.31637/epsir-2025-1408

Authors

María Elena Líndez Macarro Rey Juan Carlos University https://orcid.org/0000-0002-6116-4792

DOI:

https://doi.org/10.31637/epsir-2025-1408

Keywords:

financial literacy, digital skills, elderly, financial inclusion, strategies, limitations, review, survey of financial competences

Abstract

Introduction: This article addresses the critical need for financial literacy to promote the inclusion of older adults in the digital age. As financial services migrate to digital environments, the importance of older adults acquiring basic financial skills that enable them to participate effectively and safely in today's economic system becomes evident. Methodology: An analysis of different financial literacy programs aimed at older adults was carried out, based on the results of the Financial Competencies Survey (ECF) of the Bank of Spain and the National Securities Market Commission (CNMV) for the years 2016 and 2021. The barriers identified by these institutions were examined and the effectiveness of existing initiatives was assessed. Results: The analysis of the ECF data revealed that, despite multiple initiatives implemented to improve the financial literacy of the elderly, the participation of this age group remains insufficient. Barriers to their full inclusion in the digital financial sphere persist, highlighting the need for more personalized approaches and greater involvement of public services. Discussion: The results show that, although some progress has been made in promoting financial literacy and reducing barriers, current strategies are not fully effective in integrating older adults. The need to design specific interventions that respond to the characteristics and limitations of this population is highlighted, as well as the importance of a continuous review and updating of existing programs. Conclusions: It is imperative to drive new models of financial education that not only reduce barriers, but also promote the full participation of seniors in the digital economy. The study provides a solid framework for the development of comprehensive and sustainable strategies that address the needs of older adults and ensure their inclusion in an increasingly digital financial environment.

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Author Biography

María Elena Líndez Macarro, Rey Juan Carlos University

María Elena Líndez Macarro, Professor in the Department of Financial Economics and Accounting at the Universidad Rey Juan Carlos (URJC). She obtained her degree in Economics at the University of Granada and continued her postgraduate studies with the Master in Tax and Financial Advisory in a National and International Framework at the URJC, where she has been teaching since March 2022. In the same year, she began her research career as a doctoral student at the International Doctoral School of the URJC following the research line of fraud and digital financial inclusion in the elderly.

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